Oregon Community Bank Mortgage Rates, Fees & Info

Oregon, WI

LEI: 549300CS1XP28EERR469

Tax ID: 39-1229545

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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  • SimulatedRates™
  • Mortgage Calculator

    • Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Bank Data

  • Branches
  • Income
  • Loan Types
  • Deposit Mix
  • Loan Performance
  • Assets
  • Business Loans

    • Review & Overview

    Oregon Community Bank is a smaller bank specializing in Home Purchase loans. Oregon Community Bank has a high proportion of conventional loans. Their top markets by origination volume include: Madison, Baraboo, Janesville, Chicago, and Whitewater among others. We have data for 11 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Oregon Community Bank has an above average approval rate when compared to the average across all lenders. They have an above average pick rate when compared to similar lenders. Oregon Community Bank is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    30 Year Conventional Purchase 6.27% 11/22/24
    30 Year Conventional Refi 6.39% 11/22/24
    30 Year Cash-out Refi 6.15% 11/22/24
    15 Year Conventional Purchase 5.87% 11/22/24
    15 Year Conventional Refi 5.95% 11/22/24
    15 Year Cash-out Refi 5.95% 11/22/24
    These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

    Oregon Community Bank Mortgage Calculator






    Your Estimates

    Estimated Loan Payment: Update the calculator values and click calculate payment!

    This is not an official calculator from Oregon Community Bank. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

    The default purchase price is the median sales price across the US for 2022Q4, per FRED.


    Originations

    285

    Origination Dollar Volume (All Markets)

    $93,545,000

    Employee count

    84

    Awards

    Oregon Community Bank 30 Year Conventional Loans silver Oregon Community Bank 30 Year Conventional Loans silver
    Show all (2) awards

    Top Markets

    Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

    Market Originations Total Value Average Loan Average Fees Average Rate
    MADISON, WI (FHA|USDA|VA) 243 $83,355,000 $343,025 $1,787 4.82%
    Baraboo, WI (FHA|USDA|VA) 5 $3,695,000 $739,000 $1,958 4.51%
    Outside of Metro Areas 16 $2,520,000 $157,500 $2,979 4.79%
    JANESVILLE-BELOIT, WI (FHA|USDA|VA) 8 $1,140,000 $142,500 $1,611 4.89%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 2 $1,080,000 $540,000 $0 4.82%
    Whitewater, WI (FHA|USDA|VA) 2 $500,000 $250,000 $2,452 4.63%
    FOND DU LAC, WI (FHA|USDA|VA) 2 $460,000 $230,000 $7 4.79%
    MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 4 $340,000 $85,000 $1,770 4.73%
    OSHKOSH-NEENAH, WI (FHA|USDA|VA) 1 $205,000 $205,000 $2,485 5.25%
    WAUSAU-WESTON, WI (FHA|USDA|VA) 1 $145,000 $145,000 $0 5.10%
    Wisconsin Rapids-Marshfield, WI (FHA|USDA|VA) 1 $105,000 $105,000 $1,515 3.80%
    Oregon Community Bank's top markets include Madison, Baraboo, Janesville, Chicago, and Whitewater among others.

    Their top states include:
  • Wisconsin (FHA|USDA|VA)
  • Iowa (FHA|USDA|VA)

    • Similar Lenders

    We use machine learning to identify the top lenders compared against Oregon Community Bank based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    Bank of Milton
    Similarity Rank: 25
    First Community Credit Union
    Similarity Rank: 63
    HERITAGE CREDIT UNION
    Similarity Rank: 78
    United Community Bank
    Similarity Rank: 147
    Landmark Credit Union
    Similarity Rank: 192
    State Bank of Cross Plains
    Similarity Rank: 207
    Mound City Bank
    Similarity Rank: 280
    Farmers and Merchants Union Bank
    Similarity Rank: 288
    EDUCATORS CREDIT UNION
    Similarity Rank: 306
    Blackhawk Community Credit Union
    Similarity Rank: 350

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 285 $93,545,000 $328,228 $1,827 4.81%

    For 2018, Oregon Community Bank's most frequently originated type of loan was Conventional, with 285 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 192 $74,670,000 $388,906 $2,055 4.80%
    Refi 43 $11,475,000 $266,860 $1,408 4.80%
    Cash Out Refi 29 $6,075,000 $209,483 $1,744 4.72%
    Home Improvement 12 $870,000 $72,500 $1,200 5.12%
    Other 9 $455,000 $50,556 $712 5.02%

    For 2018, Oregon Community Bank's most frequently cited loan purpose was Home Purchase, with 192 originations. The 2nd most popular reason was Refi, with 43 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 153 $40,875,000 $267,157 $2,098 4.71%
    Other 64 $20,740,000 $324,063 $2,290 5.09%
    15 Year 33 $5,385,000 $163,182 $1,216 4.58%
    5 Year 19 $5,725,000 $301,316 $423 5.10%
    20 Year 11 $1,465,000 $133,182 $982 4.78%
    3 Year 4 $19,130,000 $4,782,500 $0 5.31%
    10 Year 1 $225,000 $225,000 $0 4.00%

    For 2018, Oregon Community Bank's most frequently cited loan duration was 30 Year, with 153 originations. The 2nd most popular length was Other, with 64 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 181 $41,915,000 $231,575
    $1k-2k 5 $1,215,000 $243,000
    $2k-3k 3 $1,195,000 $398,333
    $5k+ 2 $620,000 $310,000

    Oregon Community Bank's average total fees were $2,098, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 181 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 193 $54,255,000 $281,114
    5-6% 76 $35,100,000 $461,842
    3-4% 14 $3,680,000 $262,857
    7-8% 1 $15,000 $15,000

    During 2018, Oregon Community Bank's average interest rate for loans was 4.71%, while their most frequently originated rate bucket for loans was 4-5%, with 193 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 99 $28,415,000 $287,020 $2,094 4.70%
    $100k-200k 86 $13,070,000 $151,977 $1,883 4.85%
    $100,000 or less 48 $2,310,000 $48,125 $878 5.05%
    $400k-600k 36 $16,480,000 $457,778 $2,149 4.63%
    $600k-1MM 13 $9,915,000 $762,692 $3,001 5.07%
    $1MM+ 3 $23,355,000 $7,785,000 $0 5.11%

    2018 saw Oregon Community Bank place emphasis on $200k-400k loans with 99 originations, totaling $28,415,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 55 $13,625,000 $247,727 $1,823 4.70%
    $150k-250k 43 $13,325,000 $309,884 $1,826 4.67%
    $50k-75k 35 $5,825,000 $166,429 $1,924 4.74%
    $75k-100k 35 $6,405,000 $183,000 $1,933 4.72%
    $50k or less 31 $4,345,000 $140,161 $1,601 4.92%
    $250k+ 25 $8,735,000 $349,400 $1,952 4.68%

    Oregon Community Bank lent most frequently to those with incomes in the $100k-150k range, with 55 originations. The second most popular income band? $150k-250k, with 43 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 62 $16,240,000 $261,935 $2,010 4.63%
    30-36% 39 $8,175,000 $209,615 $1,683 4.78%
    <20% 18 $4,130,000 $229,444 $1,762 4.66%
    42% 10 $2,810,000 $281,000 $1,978 4.73%
    36% 10 $2,400,000 $240,000 $1,421 4.78%
    43% 9 $2,025,000 $225,000 $2,945 4.66%
    38% 9 $1,895,000 $210,556 $1,461 4.76%
    39% 8 $2,270,000 $283,750 $1,850 4.60%
    44% 7 $1,115,000 $159,286 $1,882 4.61%
    48% 5 $1,315,000 $263,000 $1,682 4.60%
    50-60% 4 $930,000 $232,500 $1,823 5.18%
    40% 4 $1,110,000 $277,500 $1,673 4.54%
    37% 4 $680,000 $170,000 $1,515 4.44%
    46% 3 $365,000 $121,667 $609 5.12%
    47% 3 $795,000 $265,000 $2,205 4.71%
    49% 3 $995,000 $331,667 $1,689 4.29%
    41% 2 $350,000 $175,000 $1,571 5.29%
    >60% 1 $245,000 $245,000 $2,275 4.50%
    45% 1 $315,000 $315,000 $1,445 4.63%

    Oregon Community Bank lent most frequently to those with DTI ratios of 20-30%, with 62 originations. The next most common DTI ratio? 30-36%, with 39 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 195 $46,325,000 $237,564 $1,894 4.75%
    Not applicable 53 $39,835,000 $751,604 $0 5.15%
    Not provided 32 $5,910,000 $184,688 $1,618 4.66%
    Asian 3 $845,000 $281,667 $1,168 4.59%
    Black 2 $630,000 $315,000 $912 4.96%

    Approval Rates

    Total approvals of all applications
    94.80%

    Oregon Community Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    91.58%

    Oregon Community Bank has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 285 $93,545,000 $328,228

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 15 $28,235,000 $1,882,333
    Single Family (1-4 Units):Site-Built 270 $65,310,000 $241,889

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 23 $3,515,000 $152,826 $1,344 4.70%
    40-60% 24 $5,940,000 $247,500 $1,997 4.51%
    60-80% 118 $57,610,000 $488,220 $1,988 4.78%
    80-100% 78 $21,660,000 $277,692 $2,360 4.79%
    Over 100% 6 $1,260,000 $210,000 $0 5.11%
    Under 20% 34 $3,200,000 $94,118 $511 5.19%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Oregon Community Bank 101 Alpine Parkway Oregon, WI 53575 Full Service B&M $11,193
    Oregon Community Bank 1351 Water Wheel Drive Waunakee, WI 53597 Full Service B&M $30,160
    Oregon Community Bank 733 North Main Street Oregon, WI 53575 Full Service B&M $253,719

    For 2018, Oregon Community Bank had 3 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $19,048
    Net interest income $16,663
    Total noninterest income $2,431
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $228
    Trading account gains and fees $0
    Additional Noninterest Income $2,203
    Pre-tax net operating income $9,926
    Securities gains (or losses, -) $0
    Income before extraordinary items $7,612
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $7,612
    Minority interest net income $0
    Net income $7,612
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $7,612

    Oregon Community Bank's gross interest income from loans was $19,048,000.
    Oregon Community Bank's net interest income from loans was $16,663,000.
    Oregon Community Bank's fee based income from loans was $228,000.
    Oregon Community Bank's net income from loans was $7,612,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $2,385
    Provision for credit losses $0
    Total noninterest expense $9,168
    Salaries and employee benefits $5,540
    Premises and equipment expense $1,243
    Additional noninterest expense $2,385
    Applicable income taxes $2,314
    Net charge-offs $-286
    Cash dividends $0

    Oregon Community Bank's interest expense for loans was $2,385,000.
    Oregon Community Bank's payroll and benefits expense were $5,540,000.
    Oregon Community Bank's property, plant and equipment expenses $1,243,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 0.0%
    Real Estate loans 0.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 0.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 1.0%
    HELOC loans 0.0%
    All other family 1.0%
    Commercial & industrial loans 0.0%
    Personal loans 0.0%
    Credit card loans 0.0%
    Other individual loans 0.0%
    Auto loans 0.0%
    Other consumer loans 1.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $379,830
    Deposits held in domestic offices $379,830
    Deposits by Individuals, partnerships, and corporations $353,520
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $23,617
    Deposits by Commercial banks and other depository institutions in U.S. $2,693
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $157,343
    Demand deposits $107,334
    Nontransaction accounts $222,487
    Money market deposit accounts (MMDAs) $102,345
    Other savings deposits (excluding MMDAs) $41,067
    Total time deposits $79,075
    Total time and savings deposits $272,496
    Noninterest-bearing deposits $107,334
    Interest-bearing deposits $272,496
    Retail deposits $360,523
    IRAs and Keogh plan accounts $14,803
    Brokered deposits $8,770
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $463,188
    Cash & Balances due from depository institutions $16,804
    Interest-bearing balances $6,326
    Total securities $40,424
    Federal funds sold & reverse repurchase $15,260
    Net loans and leases $377,476
    Loan and leases loss allowance $4,157
    Trading account assets $0
    Bank premises and fixed assets $7,328
    Other real estate owned $622
    Goodwill and other intangibles $1,548
    All other assets $3,726

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $463,188
    Total Liabilities $396,378
    Total deposits $379,830
    Interest-bearing deposits $272,496
    Deposits held in domestic offices $379,830
    % insured (estimated) $78
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $16,000
    Subordinated debt $0
    All other liabilities $548

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $377,476
    Loan and leases loss allowance $4,157
    Total loans and leases (domestic) $381,633
    All real estate loans $358,218
    Real estate loans in domestic offices $358,218
    Construction and development loans $38,965
    Residential 1-4 family construction $19,093
    Other construction, all land development and other land $19,872
    Loans secured by nonfarm nonresidential properties $175,827
    Nonfarm nonresidential secured by owner-occupied properties $57,665
    Commercial real estate & other non-farm, non-residential $118,162
    Multifamily residential real estate $55,025
    1-4 family residential loans $87,925
    Farmland loans $476
    Loans held in foreign offices $0
    Farm loans $255
    Commercial and industrial loans $16,931
    To non-U.S. addressees $0
    Loans to individuals $1,585
    Credit card loans $817
    Related Plans $1
    Consumer Auto Loans $384
    Other loans to individuals $383
    All other loans & leases $4,644
    Loans to foreign governments and official institutions $0
    Other loans $57
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $0
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $543
    Non 1-4 family restructured loans & leases $115
    Total loans and leases (foreign) $0

    Oregon Community Bank had $377,476,000 of loans outstanding in 2018. $358,218,000 of loans were in real estate loans. $38,965,000 of loans were in development loans. $55,025,000 of loans were in multifamily mortgage loans. $87,925,000 of loans were in 1-4 family mortgage loans. $255,000 of loans were in farm loans. $817,000 of loans were in credit card loans. $384,000 of loans were in the auto loan category.

    Small Business Loans

    Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
    Nonfarm, nonresidential loans - <$1MM 188 $60,373 $321,133
    Nonfarm, nonresidential loans - <$100k 33 $1,470 $44,545
    Nonfarm, nonresidential loans - $100-250k 54 $7,922 $146,704
    Nonfarm, nonresidential loans - $250k-1MM 101 $50,981 $504,762
    Commercial & Industrial, US addressed loans - <$1MM 229 $13,558 $59,205
    Commercial & Industrial, US addressed loans - <$100k 171 $3,565 $20,848
    Commercial & Industrial, US addressed loans - $100-250k 35 $4,073 $116,371
    Commercial & Industrial, US addressed loans - $250k-1MM 23 $5,920 $257,391
    Farmland loans - <$1MM 8 $476 $59,500
    Farmland loans - <$100k 8 $476 $59,500
    Agriculture operations loans - <$1MM 10 $255 $25,500
    Agriculture operations loans - <$100k 10 $255 $25,500