Osb Community Bank Mortgage Lending & HMDA Data, 2023
In 2023, Osb Community Bank of Ottawa, IL reported 138 mortgage applications totaling $31.3 million, down 52% from 2022. The average application was for $226,449, and applicants reported an average income of $161,014. 78% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Chicago-Naperville, IL (26), Elgin, IL (4) and Lake County-Kenosha County, IL-WI (4) (applications in parentheses).
| Mortgage Company & Address | Osb Community Bank 925 Lasalle Street Ottawa, IL 61350 |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 |
| Total Number of Mortgage Applications | 138 |
| Total Mortgage Loan Application Amount | $31,250,000 |
| Average Mortgage Loan Application Amount | $226,449 |
| Highest Mortgage Loan Application Amount | $1,785,000 |
| Average Applicant Income | $161,014 |
| Highest Applicant Income | $3,730,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Osb Community Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| LaSalle, Illinois | 77 | $ 13,855,000 | $ 179,935 | $ 114,000 |
| DuPage, Illinois | 9 | $ 6,715,000 | $ 746,111 | $ 919,000 |
| Grundy, Illinois | 8 | $ 2,620,000 | $ 327,500 | $ 135,000 |
| Will, Illinois | 8 | $ 1,800,000 | $ 225,000 | $ 138,000 |
| Putnam, Illinois | 6 | $ 890,000 | $ 148,333 | $ 89,000 |
| Bureau, Illinois | 5 | $ 705,000 | $ 141,000 | $ 85,000 |
| Kenosha, Wisconsin | 4 | $ 210,000 | $ 52,500 | $ 0 |
| Kendall, Illinois | 3 | $ 765,000 | $ 255,000 | $ 117,000 |
| Lee, Illinois | 2 | $ 700,000 | $ 350,000 | $ 155,000 |
| Marshall, Illinois | 2 | $ 200,000 | $ 100,000 | $ 76,000 |
| McLean, Illinois | 2 | $ 680,000 | $ 340,000 | $ 255,000 |
| Carson City, Nevada | 2 | $ 280,000 | $ 140,000 | $ 0 |
| Cook, Illinois | 1 | $ 625,000 | $ 625,000 | $ 0 |
| Kane, Illinois | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Livingston, Illinois | 1 | $ 135,000 | $ 135,000 | $ 82,000 |
| Moultrie, Illinois | 1 | $ 65,000 | $ 65,000 | $ 32,000 |
| Peoria, Illinois | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Whiteside, Illinois | 1 | $ 55,000 | $ 55,000 | $ 34,000 |
| LaPorte, Indiana | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Scott, Iowa | 1 | $ 415,000 | $ 415,000 | $ 153,000 |
| Ripley, Missouri | 1 | $ 65,000 | $ 65,000 | $ 31,000 |
| Washoe, Nevada | 1 | $ 145,000 | $ 145,000 | $ 0 |
Mortgage Loan Application Detail Totals for Osb Community Bank in 2023
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 115 | $27,125,000 | $235,000 | $1,785,000 | $176,000 | $3,730,000 |
| Cash-out Refinancing | 13 | $1,635,000 | $125,000 | $445,000 | $87,000 | $179,000 |
| Refinancing | 7 | $2,145,000 | $306,000 | $895,000 | $99,000 | $111,000 |
| Other Purpose | 3 | $345,000 | $115,000 | $185,000 | $52,000 | $65,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 98 | $21,000,000 | $214,000 | $1,755,000 | $159,000 | $3,730,000 |
| Not applicable | 20 | $3,660,000 | $183,000 | $895,000 | $0 | $0 |
| Not Provided | 10 | $1,380,000 | $138,000 | $205,000 | $107,000 | $214,000 |
| Hispanic | 6 | $1,580,000 | $263,000 | $455,000 | $130,000 | $237,000 |
| Asian | 3 | $3,275,000 | $1,091,000 | $1,785,000 | $506,000 | $642,000 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 137 | $31,125,000 | $227,000 | $1,785,000 | $164,000 | $3,730,000 |
| FHA-insured (Federal Housing Administration) | 1 | $125,000 | $125,000 | $125,000 | $34,000 | $34,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 108 | $24,770,000 | $229,000 | $1,785,000 | $173,000 | $3,730,000 |
| Application Withdrawn By Applicant | 15 | $3,535,000 | $235,000 | $625,000 | $152,000 | $254,000 |
| Application Approved But Not Accepted | 10 | $1,980,000 | $198,000 | $525,000 | $97,000 | $190,000 |
| Application Denied By Financial Institution | 5 | $965,000 | $193,000 | $445,000 | $83,000 | $179,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 133 | $30,285,000 | $227,000 | $1,785,000 | $165,000 | $3,730,000 |
| Collateral | 3 | $805,000 | $268,000 | $445,000 | $179,000 | $179,000 |
| Credit History | 2 | $160,000 | $80,000 | $95,000 | $36,000 | $43,000 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Osb Community Bank's 2023 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Osb Community Bank's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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with aggregated HMDA statistics today.
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