Applications / Mortgage Analytics / Lenders / Wisconsin / One Community Bank
Oregon, WI · State member bank · FRS · $2.6 billion assets · 461 loans in 2025
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461
loans originated, 2025
561
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
One Community Bank, a Wisconsin bank, made 185% more loans in 2025 than in 2024, the year it merged with Intercity State Bank, and ranks 6 of 380 lenders around Madison, WI.
It made 461 loans, after 162 in 2024. Similar lenders, state member banks making between half and twice as many loans, grew 7%, and it grew faster than nearly all of them. The merger with Intercity State Bank is one possible source of the rise. It made 1,197 loans in 2020.
Purchases made up 48.6% of its loans and refinances 26.2%, all conventional. Its loans came to $239.2 million, against $125.8 million at a typical peer. Borrowers of low and moderate income (LMI) took 31.4%, against 28.2%, higher than at about two in three similar lenders.
Around Madison, WI it ranked 6 of 380, with 2.7% of the market, up 0.9 points. Summit Credit Union and UW Credit Union led.
Its share rose to 1.1% in Wausau and 0.9% in Eau Claire, from 0.0% in each. Intercity State Bank's filings now count as its own in these figures, which may account for much of that.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. One Community Bank took 561 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 48.6% · Refinance 26.2% · Home improvement 15.0% · Other 10.2%
Conventional 100.0% · of 461 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Wisconsin | 454 | 98.5% |
| Illinois | 5 | 1.1% |
| Arizona | 1 | 0.2% |
| Utah | 1 | 0.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Madison | 244 |
| Wausau | 41 |
| La Crosse-Onalaska | 30 |
| Janesville-Beloit | 21 |
| Milwaukee-Waukesha | 5 |
| Rockford | 4 |
| Appleton | 2 |
| Champaign-Urbana | 1 |
| Eau Claire | 1 |
| Fond du Lac | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300CS1XP28EERR469 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 247140 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 2247140 | 2002–2017 |
Established 15 September 1976. Reported under HMDA 2002-2025.
Mergers, name changes, data editions and corrections: One Community Bank's data.
One Community Bank's data
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