Applications / Mortgage Analytics / Lenders / Illinois / OSB Community Bank
Ottawa, IL · State non-member bank · FDIC · $363 million assets · 100 loans in 2025
OSB Community Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
100
loans originated, 2025
133
applications, 2025
6
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
OSB Community Bank, an Illinois bank renamed in 2021, is a home-purchase lender: purchases made up 85.0% of its 100 loans in 2025.
Home purchase accounted for 85.0% of its loans and refinancing for 12.0%. Its typical loan was $150,000, against $175,000 at the typical similar lender (state non-member banks making between half and twice as many loans). Manufactured homes were 6.0% of its loans, against 3.2%.
Low- and moderate-income borrowers took 35.9% of its loans, against 27.4% at the typical peer, a share higher than at about three in four of them. In 2020 the figure was 18.1%.
It made 100 loans in 2025, close to the 103 of 2024, but far fewer than the 576 of 2020. Weaker demand in its markets, or a narrower range of loans, could account for the fall. Volume fell 3% on the year while similar banks grew by 9% and the whole market by 10%, a small gap at this size.
Non-metro Illinois is its largest market, where it ranked 55 of 572 lenders. It also lends in five other states; in Carson City its share rose to 0.5% and it ranked 34 of 139. It was Ottawa Savings Bank until 2021 and merged with Twin Oaks Savings Bank in 2015.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. OSB Community Bank took 133 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 85.0% · Refinance 12.0% · Home improvement 3.0%
Conventional 100.0% · of 100 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 |
|---|---|---|
| Illinois | 89 | 89.0% |
| Wisconsin | 7 | 7.0% |
| Alabama | 1 | 1.0% |
| Florida | 1 | 1.0% |
| Nevada | 1 | 1.0% |
| Tennessee | 1 | 1.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Chicago-Naperville-Schaumburg | 18 |
| Milwaukee-Waukesha | 7 |
| Elgin | 2 |
| Cape Coral-Fort Myers | 1 |
| Carson City | 1 |
| Daphne-Fairhope-Foley | 1 |
| Knoxville | 1 |
| Peoria | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493002OMAT2S3H4OF48 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 725077 | 2015–2023 |
| Respondent ID (the HMDA filer code before 2018) | 1717997 | 2015–2017 |
Established 1 January 1871. Reported under HMDA 2015-2025.
Mergers, name changes, data editions and corrections: OSB Community Bank's data.
OSB Community Bank's data
$215
OSB Community Bank and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
Buy OSB Community Bank's data, $215Jenner Mortgage Analytics: all the data
$2,110
Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
Buy the data, $2,110Jenner, the SAS-compatible software
See prices
Jenner runs programs written in the SAS language. It drew every chart on these pages and fitted the fair-lending model, PROC GLIMMIX on 3.5 million applications. Run the programs that come with the data, or your own.
Get JennerQuestions, or the data and Jenner together: [email protected]