OSB Community Bank at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the B grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
55th8.5% deniedProcesswithdrawn + incomplete share, weight 15%
51st11.3%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 138 | 108 | 3.6% | 4.1% | 6.63% | $25M |
| 2024 | 120 | 103 | 2.5% | 2.8% | — | $20M |
| 2025 | 133 | 100 | 7.5% | 8.5% | — | $37M |
What OSB Community Bank lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 9 manufactured homes, 35 investment properties.
Who gets approved at OSB Community Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 39 | 26 | 15.2% |
| $100k – $150k | 25 | 18 | 9.5% |
| $150k – $250k | 21 | 14 | 5.6% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 35 | 24 | 10.7% |
| 35–44 | 21 | 16 | 15.0% |
Where OSB Community Bank lends
6 states and 17 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
OSB Community Bank denied 8.5% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 55th percentile of small mortgage lenders.
In 2025, 82% of its applications were for home purchases, 15% for refinancing (including cash-out), and 3% for home improvement or other purposes. By loan type: 95% conventional, 5% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.