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 Refi and Home Purchase loans. Oregon Community Bank has a high proportion of conventional loans. Their top markets by origination volume include: Madison, Janesville, Baraboo, Milwaukee, and Watertown among others. We have data for 21 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 a below 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% 12/2/24
    30 Year Conventional Refi 6.39% 12/2/24
    30 Year Cash-out Refi 6.15% 12/2/24
    15 Year Conventional Purchase 5.87% 12/2/24
    15 Year Conventional Refi 5.95% 12/2/24
    15 Year Cash-out Refi 5.95% 12/2/24
    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

    974

    Origination Dollar Volume (All Markets)

    $308,390,000

    Employee count

    197

    Awards

    Oregon Community Bank 30 Year Conventional Loans bronze 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) 735 $253,885,000 $345,422 $2,363 3.01%
    Outside of Metro Areas 127 $26,285,000 $206,969 $2,236 3.10%
    JANESVILLE-BELOIT, WI (FHA|USDA|VA) 34 $7,430,000 $218,529 $2,354 2.98%
    Baraboo, WI (FHA|USDA|VA) 12 $6,530,000 $544,167 $2,022 3.29%
    MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 21 $5,525,000 $263,095 $2,637 3.27%
    Watertown-Fort Atkinson, WI (FHA|USDA|VA) 11 $3,005,000 $273,182 $2,082 3.03%
    Beaver Dam, WI (FHA|USDA|VA) 7 $1,275,000 $182,143 $1,881 3.23%
    OSHKOSH-NEENAH, WI (FHA|USDA|VA) 6 $850,000 $141,667 $2,152 3.64%
    GREEN BAY, WI (FHA|USDA|VA) 2 $580,000 $290,000 $1,410 3.63%
    WAUSAU-WESTON, WI (FHA|USDA|VA) 3 $545,000 $181,667 $2,606 2.75%
    EAU CLAIRE, WI (FHA|USDA|VA) 1 $385,000 $385,000 $3,323 3.13%
    RACINE, WI (FHA|USDA|VA) 2 $340,000 $170,000 $0 4.31%
    Whitewater, WI (FHA|USDA|VA) 2 $340,000 $170,000 $2,882 3.63%
    Wisconsin Rapids-Marshfield, WI (FHA|USDA|VA) 2 $270,000 $135,000 $2,396 3.06%
    FOND DU LAC, WI (FHA|USDA|VA) 2 $240,000 $120,000 $1,962 3.31%
    LA CROSSE-ONALASKA, WI-MN (FHA|USDA|VA) 2 $240,000 $120,000 $0 4.13%
    Escanaba, MI (FHA|USDA|VA) 1 $185,000 $185,000 $2,519 3.00%
    Marinette, WI-MI (FHA|USDA|VA) 1 $125,000 $125,000 $2,201 2.25%
    Platteville, WI (FHA|USDA|VA) 1 $125,000 $125,000 $1,676 2.25%
    Stevens Point, WI (FHA|USDA|VA) 1 $115,000 $115,000 $2,435 2.63%
    APPLETON, WI (FHA|USDA|VA) 1 $115,000 $115,000 $2,505 3.75%
    Oregon Community Bank's top markets include Madison, Janesville, Baraboo, Milwaukee, and Watertown among others.

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

    EDUCATORS CREDIT UNION
    Similarity Rank: 264
    SENB Bank
    Similarity Rank: 396
    DMB Community Bank
    Similarity Rank: 400
    Dane County Credit Union
    Similarity Rank: 531
    WISCONSIN MORTGAGE CORPORATION
    Similarity Rank: 561
    PremierBank
    Similarity Rank: 663
    The Greenwood's State Bank
    Similarity Rank: 750
    Farmers & Merchants State Bank
    Similarity Rank: 784
    Monona Bank
    Similarity Rank: 793
    Hometown Bank
    Similarity Rank: 798

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 972 $308,160,000 $317,037 $2,340 3.03%
    HELOC 2 $230,000 $115,000 n/a 4.88%

    For 2021, Oregon Community Bank's most frequently originated type of loan was Conventional, with 972 originations. Their 2nd most popular type was HELOC, with 2 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 424 $128,240,000 $302,453 $2,061 2.86%
    Home Purchase 326 $123,790,000 $379,724 $2,758 3.29%
    Cash Out Refi 215 $52,195,000 $242,767 $2,395 2.94%
    Home Improvement 5 $685,000 $137,000 $1,472 3.80%
    Other 4 $3,480,000 $870,000 $0 5.62%

    For 2021, Oregon Community Bank's most frequently cited loan purpose was Refi, with 424 originations. The 2nd most popular reason was Home Purchase, with 326 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 551 $161,115,000 $292,405 $2,494 3.08%
    15 Year 190 $43,610,000 $229,526 $2,045 2.42%
    5 Year 81 $56,065,000 $692,160 $245 3.93%
    20 Year 80 $16,660,000 $208,250 $2,135 2.94%
    10 Year 29 $10,755,000 $370,862 $2,162 2.57%
    3 Year 18 $3,280,000 $182,222 $0 4.03%
    1 Year 17 $8,235,000 $484,412 $0 4.12%
    Other 8 $8,670,000 $1,083,750 $1,676 4.21%

    For 2021, Oregon Community Bank's most frequently cited loan duration was 30 Year, with 551 originations. The 2nd most popular length was 15 Year, with 190 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 712 $186,500,000 $261,938
    $1k-2k 82 $18,920,000 $230,732
    $2k-3k 42 $12,240,000 $291,429
    $3k-4k 17 $5,785,000 $340,294
    $5k+ 12 $4,210,000 $350,833
    $4k-5k 11 $4,085,000 $371,364

    Oregon Community Bank's average total fees were $2,494, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 712 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    2.5-3% 403 $114,195,000 $283,362
    3-4% 329 $128,635,000 $390,988
    <2.5% 190 $41,990,000 $221,000
    4-5% 47 $19,665,000 $418,404
    5-6% 4 $650,000 $162,500
    7-8% 1 $3,255,000 $3,255,000

    During 2021, Oregon Community Bank's average interest rate for loans was 3.08%, while their most frequently originated rate bucket for loans was 2.5-3%, with 403 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 435 $120,935,000 $278,011 $2,452 2.96%
    $100k-200k 271 $40,855,000 $150,756 $2,159 3.00%
    $400k-600k 140 $68,660,000 $490,429 $2,725 3.04%
    $100,000 or less 87 $5,715,000 $65,690 $1,656 3.26%
    $1MM+ 21 $56,075,000 $2,670,238 $2,020 3.77%
    $600k-1MM 20 $16,150,000 $807,500 $2,471 3.46%

    2021 saw Oregon Community Bank place emphasis on $200k-400k loans with 435 originations, totaling $120,935,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 218 $59,810,000 $274,358 $2,382 2.92%
    $150k-250k 192 $60,930,000 $317,344 $2,318 2.98%
    $75k-100k 154 $34,700,000 $225,325 $2,245 2.93%
    $50k-75k 127 $23,365,000 $183,976 $2,380 2.96%
    $250k+ 114 $43,920,000 $385,263 $2,663 3.12%
    $50k or less 82 $12,240,000 $149,268 $2,052 2.97%

    Oregon Community Bank lent most frequently to those with incomes in the $100k-150k range, with 218 originations. The second most popular income band? $150k-250k, with 192 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 238 $61,890,000 $260,042 $2,386 2.88%
    30-36% 166 $44,600,000 $268,675 $2,471 2.92%
    <20% 151 $38,195,000 $252,947 $2,256 2.83%
    39% 34 $8,720,000 $256,471 $2,541 3.08%
    43% 25 $6,955,000 $278,200 $2,215 2.97%
    36% 25 $6,365,000 $254,600 $2,259 3.08%
    41% 25 $6,455,000 $258,200 $2,340 3.15%
    40% 24 $5,850,000 $243,750 $2,541 3.09%
    38% 24 $6,310,000 $262,917 $2,003 3.19%
    46% 23 $5,785,000 $251,522 $2,322 3.03%
    42% 21 $6,305,000 $300,238 $2,230 3.04%
    44% 18 $4,050,000 $225,000 $2,241 3.12%
    37% 18 $5,080,000 $282,222 $2,279 2.85%
    48% 18 $5,190,000 $288,333 $2,238 2.92%
    47% 15 $3,285,000 $219,000 $1,940 3.11%
    45% 13 $3,255,000 $250,385 $2,068 2.89%
    50-60% 11 $5,445,000 $495,000 $2,507 3.47%
    49% 10 $2,770,000 $277,000 $2,939 3.09%
    >60% 3 $2,545,000 $848,333 $2,852 3.54%

    Oregon Community Bank lent most frequently to those with DTI ratios of 20-30%, with 238 originations. The next most common DTI ratio? 30-36%, with 166 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 735 $193,815,000 $263,694 $2,382 2.92%
    Not applicable 75 $70,785,000 $943,800 $0 3.97%
    Not provided 129 $33,635,000 $260,736 $1,976 3.21%
    Asian 13 $3,815,000 $293,462 $2,429 2.88%
    Black 10 $2,800,000 $280,000 $2,629 3.01%
    Asian Indian 5 $1,425,000 $285,000 $2,829 2.38%
    American Indian 4 $1,410,000 $352,500 $2,394 3.25%
    Vietnamese 1 $325,000 $325,000 $2,476 2.75%
    Chinese 1 $285,000 $285,000 $1,651 2.88%
    Other Asian 1 $95,000 $95,000 $2,236 2.13%

    Approval Rates

    Total approvals of all applications
    90.16%

    Oregon Community Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    87.89%

    Oregon Community Bank has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 974 $308,390,000 $316,622

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    974 $308,390,000 $316,622

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 100 $18,150,000 $181,500 $2,106 2.72%
    40-60% 189 $46,545,000 $246,270 $2,182 2.73%
    60-80% 436 $157,070,000 $360,252 $2,474 3.04%
    80-100% 208 $76,390,000 $367,260 $2,629 3.32%
    Over 100% 5 $4,305,000 $861,000 $0 3.89%
    Under 20% 35 $2,675,000 $76,429 $823 3.65%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    One Community Bank 101 Alpine Parkway Oregon, WI 53575 Full Service B&M $0
    One Community Bank 120 East Valette Street Oxford, WI 53952 Full Service B&M $21,135
    One Community Bank 1351 Water Wheel Drive Waunakee, WI 53597 Full Service B&M $34,197
    One Community Bank 205 East Washington Street Stoughton, WI 53589 Limited, Drive-thru $0
    One Community Bank 2401 Jackson Street Stoughton, WI 53589 Full Service B&M $144,295
    One Community Bank 2580 Ironwood Drive Sun Prairie, WI 53590 Full Service B&M $42,973
    One Community Bank 501 North Main Street Adams, WI 53910 Full Service B&M $115,098
    One Community Bank 5990 Highway 51 Mc Farland, WI 53558 Full Service B&M $312,685
    One Community Bank 643 County Road E Grand Marsh, WI 53936 Full Service B&M $7
    One Community Bank 733 N Main St Oregon, WI 53575 Full Service B&M $602,641
    One Community Bank 8215 Greenway Blvd Middleton, WI 53562 Full Service B&M $0

    For 2021, Oregon Community Bank had 11 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $54,833
    Net interest income $50,992
    Total noninterest income $9,967
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $258
    Trading account gains and fees $0
    Additional Noninterest Income $9,709
    Pre-tax net operating income $27,518
    Securities gains (or losses, -) $48
    Income before extraordinary items $20,260
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $20,260
    Minority interest net income $0
    Net income $20,260
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $20,222

    Oregon Community Bank's gross interest income from loans was $54,833,000.
    Oregon Community Bank's net interest income from loans was $50,992,000.
    Oregon Community Bank's fee based income from loans was $258,000.
    Oregon Community Bank's net income from loans was $20,260,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $3,841
    Provision for credit losses $2,833
    Total noninterest expense $30,608
    Salaries and employee benefits $17,312
    Premises and equipment expense $5,265
    Additional noninterest expense $8,031
    Applicable income taxes $7,306
    Net charge-offs $-349
    Cash dividends $9,700

    Oregon Community Bank's interest expense for loans was $3,841,000.
    Oregon Community Bank's payroll and benefits expense were $17,312,000.
    Oregon Community Bank's property, plant and equipment expenses $5,265,000.

    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 0.0%
    HELOC loans 1.0%
    All other family 0.0%
    Commercial & industrial loans 0.0%
    Personal loans 0.0%
    Credit card loans 0.0%
    Other individual loans 1.0%
    Auto loans 2.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $1,347,872
    Deposits held in domestic offices $1,347,872
    Deposits by Individuals, partnerships, and corporations $1,199,762
    Deposits by U.S. Government $17
    Deposits by States and political subdivisions in the U.S. $141,280
    Deposits by Commercial banks and other depository institutions in U.S. $6,813
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $643,888
    Demand deposits $631,795
    Nontransaction accounts $703,984
    Money market deposit accounts (MMDAs) $374,048
    Other savings deposits (excluding MMDAs) $149,067
    Total time deposits $180,869
    Total time and savings deposits $716,077
    Noninterest-bearing deposits $364,154
    Interest-bearing deposits $983,719
    Retail deposits $1,266,670
    IRAs and Keogh plan accounts $25,663
    Brokered deposits $51,314
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $1,614,121
    Cash & Balances due from depository institutions $19,462
    Interest-bearing balances $2,139
    Total securities $150,546
    Federal funds sold & reverse repurchase $50,414
    Net loans and leases $1,320,767
    Loan and leases loss allowance $9,793
    Trading account assets $0
    Bank premises and fixed assets $16,358
    Other real estate owned $319
    Goodwill and other intangibles $22,668
    All other assets $33,587

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $1,614,121
    Total Liabilities $1,434,148
    Total deposits $1,347,872
    Interest-bearing deposits $983,719
    Deposits held in domestic offices $1,347,872
    % insured (estimated) $62
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $75,599
    Subordinated debt $0
    All other liabilities $10,677

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $1,320,767
    Loan and leases loss allowance $9,793
    Total loans and leases (domestic) $1,330,560
    All real estate loans $1,216,567
    Real estate loans in domestic offices $1,216,567
    Construction and development loans $168,697
    Residential 1-4 family construction $39,201
    Other construction, all land development and other land $129,496
    Loans secured by nonfarm nonresidential properties $640,536
    Nonfarm nonresidential secured by owner-occupied properties $209,482
    Commercial real estate & other non-farm, non-residential $431,054
    Multifamily residential real estate $194,428
    1-4 family residential loans $191,271
    Farmland loans $21,635
    Loans held in foreign offices $0
    Farm loans $405
    Commercial and industrial loans $108,349
    To non-U.S. addressees $0
    Loans to individuals $1,781
    Credit card loans $1,196
    Related Plans $352
    Consumer Auto Loans $233
    Other loans to individuals $0
    All other loans & leases $3,458
    Loans to foreign governments and official institutions $0
    Other loans $904
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $13,271
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $291
    Non 1-4 family restructured loans & leases $93
    Total loans and leases (foreign) $0

    Oregon Community Bank had $1,320,767,000 of loans outstanding in 2021. $1,216,567,000 of loans were in real estate loans. $168,697,000 of loans were in development loans. $194,428,000 of loans were in multifamily mortgage loans. $191,271,000 of loans were in 1-4 family mortgage loans. $405,000 of loans were in farm loans. $1,196,000 of loans were in credit card loans. $233,000 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 418 $129,695 $310,275
    Nonfarm, nonresidential loans - <$100k 49 $1,846 $37,673
    Nonfarm, nonresidential loans - $100-250k 110 $14,929 $135,718
    Nonfarm, nonresidential loans - $250k-1MM 259 $112,920 $435,985
    Commercial & Industrial, US addressed loans - <$1MM 554 $51,990 $93,845
    Commercial & Industrial, US addressed loans - <$100k 353 $7,855 $22,252
    Commercial & Industrial, US addressed loans - $100-250k 95 $9,702 $102,126
    Commercial & Industrial, US addressed loans - $250k-1MM 106 $34,433 $324,840
    Farmland loans - <$1MM 9 $1,402 $155,778
    Farmland loans - <$100k 3 $157 $52,333
    Farmland loans - $100-250k 4 $500 $125,000
    Farmland loans - $250k-1MM 2 $745 $372,500
    Agriculture operations loans - <$1MM 2 $405 $202,500
    Agriculture operations loans - <$100k 1 $6 $6,000
    Agriculture operations loans - $250k-1MM 1 $399 $399,000