OSB Community Bank in Illinois vs the state
8.3%Denial rate-8.86 pts vs state
9.4%Decision denial rate-12.33 pts vs state
73.6%Origination rate+14.81 pts vs state
—Median rate
—Rate spread (pts)
$93kMedian applicant income
89Loans originated
10Denied
Trend in Illinois
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 128 | 99 | 3.9% | 6.50% | #292 |
| 2024 | 117 | 101 | 2.6% | — | #310 |
| 2025 | 121 | 89 | 8.3% | — | #318 |
What OSB Community Bank lends in Illinois
By loan purpose
By loan type
Where in Illinois
Counties with the most OSB Community Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| LaSalle County | 77 | 56 | 7 | 9.1% |
| Will County | 11 | 7 | 1 | 9.1% |
| Bureau County | 10 | 6 | 1 | 10.0% |
| Grundy County | 6 | 5 | 1 | 16.7% |
| DuPage County | 6 | 5 | 0 | 0.0% |
| Putnam County | 4 | 3 | 0 | 0.0% |
| Kendall County | 2 | 2 | 0 | 0.0% |
| Fulton County | 1 | 1 | 0 | 0.0% |
| Iroquois County | 1 | 1 | 0 | 0.0% |
| Cook County | 1 | 1 | 0 | 0.0% |
Other large lenders in Illinois
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Guaranteed Rate | B | 17,479 | 4.9% | 6.63% |
| Rocket Mortgage | C | 16,971 | 19.7% | 6.75% |
| United Shore Financial Services | B | 15,644 | 13.0% | 6.50% |
| JPMorgan Chase Bank | B | 13,574 | 9.7% | 6.49% |
| U.S. Bank | D | 10,076 | 38.3% | 7.00% |
| Crosscountry Mortgage | B | 8,779 | 4.5% | 6.75% |
| Fifth Third Bank | D | 8,628 | 32.1% | 7.50% |
| The Huntington National Bank | D | 8,226 | 31.9% | 6.99% |
| BMO Bank | F | 8,007 | 32.7% | 8.33% |
| Loandepot.Com | D | 7,019 | 17.7% | 6.88% |
Frequently asked questions
Illinois: 121 applications in 2025, of which 89 were originated and 10 denied.
8.3% of all applications, or 9.4% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are OSB Community Bank's own HMDA filing for properties located in Illinois, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology