Oakstar Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2012
Oakstar Bank 2012 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Oakstar Bank 1020 E Battlefield Springfield, MO 65807 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 |
| Total Number of Mortgage Applications | 2,116 |
| Total Mortgage Loan Application Amount | $386,242,000 |
| Average Mortgage Loan Application Amount | $125,333 |
| Highest Mortgage Loan Application Amount | $3,560,000 |
| Average Applicant Income | $107,666 |
| Highest Applicant Income | $9,548,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2012 with Oakstar Bank. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Oakstar Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2012 breaks down Oakstar Bank's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Oakstar Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by Oakstar Bank, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Oakstar Bank's mortgage activity for 2012.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Greene County Missouri | 909 | $ 150,771,000 | $ 165,000 | $ 96,000 |
| Christian County Missouri | 272 | $ 43,593,000 | $ 160,000 | $ 83,000 |
| Johnson County Kansas | 243 | $ 55,753,000 | $ 229,000 | $ 117,000 |
| Jackson County Missouri | 163 | $ 34,674,000 | $ 212,000 | $ 107,000 |
| Clay County Missouri | 158 | $ 28,981,000 | $ 183,000 | $ 88,000 |
| Stone County Missouri | 38 | $ 7,291,000 | $ 191,000 | $ 233,000 |
| Webster County Missouri | 35 | $ 5,172,000 | $ 147,000 | $ 67,000 |
| Platte County Missouri | 27 | $ 5,256,000 | $ 194,000 | $ 123,000 |
| Taney County Missouri | 23 | $ 6,135,000 | $ 266,000 | $ 99,000 |
| Wright County Missouri | 20 | $ 3,007,000 | $ 150,000 | $ 77,000 |
| Lawrence County Missouri | 15 | $ 2,049,000 | $ 136,000 | $ 78,000 |
| Polk County Missouri | 15 | $ 2,138,000 | $ 142,000 | $ 68,000 |
| Wyandotte County Kansas | 12 | $ 1,753,000 | $ 146,000 | $ 71,000 |
| Cass County Missouri | 10 | $ 1,931,000 | $ 193,000 | $ 100,000 |
| Washington County Arkansas | 7 | $ 1,916,000 | $ 273,000 | $ 255,000 |
| Laclede County Missouri | 6 | $ 751,000 | $ 125,000 | $ 88,000 |
| Ray County Missouri | 6 | $ 974,000 | $ 162,000 | $ 131,000 |
| Clark County Washington | 5 | $ 2,594,000 | $ 518,000 | $ 70,000 |
| Douglas County Kansas | 4 | $ 732,000 | $ 183,000 | $ 141,000 |
| Camden County Missouri | 4 | $ 646,000 | $ 161,000 | $ 401,000 |
| St. Louis County Missouri | 4 | $ 1,145,000 | $ 286,000 | $ 128,000 |
| Maricopa County Arizona | 3 | $ 1,201,000 | $ 400,000 | $ 695,000 |
| Leavenworth County Kansas | 3 | $ 421,000 | $ 140,000 | $ 42,000 |
| Barry County Missouri | 3 | $ 353,000 | $ 117,000 | $ 96,000 |
| Boone County Missouri | 3 | $ 432,000 | $ 144,000 | $ 100,000 |
| Douglas County Missouri | 3 | $ 168,000 | $ 56,000 | $ 49,000 |
| Jasper County Missouri | 3 | $ 567,000 | $ 189,000 | $ 92,000 |
| Texas County Missouri | 3 | $ 314,000 | $ 104,000 | $ 54,000 |
| Douglas County Nebraska | 3 | $ 470,000 | $ 156,000 | $ 125,000 |
| Broward County Florida | 2 | $ 886,000 | $ 443,000 | $ 211,000 |
| Franklin County Kansas | 2 | $ 209,000 | $ 104,000 | $ 161,000 |
| Miami County Kansas | 2 | $ 498,000 | $ 249,000 | $ 76,000 |
| Wayne County Michigan | 2 | $ 602,000 | $ 301,000 | $ 97,000 |
| Scott County Minnesota | 2 | $ 461,000 | $ 230,000 | $ 165,000 |
| Buchanan County Missouri | 2 | $ 360,000 | $ 180,000 | $ 118,000 |
| Cedar County Missouri | 2 | $ 161,000 | $ 80,000 | $ 44,000 |
| Clinton County Missouri | 2 | $ 395,000 | $ 197,000 | $ 92,000 |
| Howell County Missouri | 2 | $ 414,000 | $ 207,000 | $ 58,000 |
| Johnson County Missouri | 2 | $ 459,000 | $ 229,000 | $ 110,000 |
| Newton County Missouri | 2 | $ 269,000 | $ 134,000 | $ 51,000 |
| Ozark County Missouri | 2 | $ 251,000 | $ 125,000 | $ 178,000 |
| St. Charles County Missouri | 2 | $ 538,000 | $ 269,000 | $ 149,000 |
| Nassau County New York | 2 | $ 649,000 | $ 324,000 | $ 80,000 |
| Chatham County North Carolina | 2 | $ 463,000 | $ 231,000 | $ 170,000 |
| Orange County North Carolina | 2 | $ 598,000 | $ 299,000 | $ 199,000 |
| Tulsa County Oklahoma | 2 | $ 434,000 | $ 217,000 | $ 84,000 |
| Wagoner County Oklahoma | 2 | $ 286,000 | $ 143,000 | $ 65,000 |
| Roane County Tennessee | 2 | $ 237,000 | $ 118,000 | $ 75,000 |
| Shelby County Tennessee | 2 | $ 367,000 | $ 183,000 | $ 107,000 |
| Collin County Texas | 2 | $ 498,000 | $ 249,000 | $ 140,000 |
| Dallas County Texas | 2 | $ 359,000 | $ 179,000 | $ 55,000 |
| Montgomery County Texas | 2 | $ 663,000 | $ 331,000 | $ 92,000 |
| Yavapai County Arizona | 1 | $ 350,000 | $ 350,000 | $ 159,000 |
| Yuma County Arizona | 1 | $ 140,000 | $ 140,000 | $ 173,000 |
| Benton County Arkansas | 1 | $ 299,000 | $ 299,000 | $ 96,000 |
| Boone County Arkansas | 1 | $ 77,000 | $ 77,000 | $ 15,000 |
| Crittenden County Arkansas | 1 | $ 70,000 | $ 70,000 | $ 77,000 |
| Faulkner County Arkansas | 1 | $ 130,000 | $ 130,000 | $ 70,000 |
| Mississippi County Arkansas | 1 | $ 100,000 | $ 100,000 | $ 98,000 |
| Calaveras County California | 1 | $ 178,000 | $ 178,000 | $ 82,000 |
| Fresno County California | 1 | $ 110,000 | $ 110,000 | $ 194,000 |
| Los Angeles County California | 1 | $ 323,000 | $ 323,000 | $ 152,000 |
| Ventura County California | 1 | $ 226,000 | $ 226,000 | $ 155,000 |
| Arapahoe County Colorado | 1 | $ 115,000 | $ 115,000 | $ 61,000 |
| Broomfield County Colorado | 1 | $ 170,000 | $ 170,000 | $ 80,000 |
| Denver County Colorado | 1 | $ 310,000 | $ 310,000 | $ 137,000 |
| Jefferson County Colorado | 1 | $ 349,000 | $ 349,000 | $ 179,000 |
| Larimer County Colorado | 1 | $ 174,000 | $ 174,000 | $ 73,000 |
| Routt County Colorado | 1 | $ 381,000 | $ 381,000 | $ 686,000 |
| Weld County Colorado | 1 | $ 196,000 | $ 196,000 | $ 85,000 |
| Brevard County Florida | 1 | $ 86,000 | $ 86,000 | $ 144,000 |
| Charlotte County Florida | 1 | $ 104,000 | $ 104,000 | $ 51,000 |
| Collier County Florida | 1 | $ 417,000 | $ 417,000 | $ 192,000 |
| Lee County Florida | 1 | $ 297,000 | $ 297,000 | $ 237,000 |
| Chatham County Georgia | 1 | $ 292,000 | $ 292,000 | $ 509,000 |
| Forsyth County Georgia | 1 | $ 156,000 | $ 156,000 | $ 170,000 |
| Honolulu County Hawaii | 1 | $ 533,000 | $ 533,000 | $ 0 |
| Adams County Illinois | 1 | $ 233,000 | $ 233,000 | $ 98,000 |
| Monroe County Illinois | 1 | $ 168,000 | $ 168,000 | $ 65,000 |
| Rock Island County Illinois | 1 | $ 70,000 | $ 70,000 | $ 82,000 |
| Sangamon County Illinois | 1 | $ 135,000 | $ 135,000 | $ 36,000 |
| Will County Illinois | 1 | $ 379,000 | $ 379,000 | $ 344,000 |
| Dallas County Iowa | 1 | $ 200,000 | $ 200,000 | $ 0 |
| Monroe County Iowa | 1 | $ 133,000 | $ 133,000 | $ 48,000 |
| Webster County Iowa | 1 | $ 173,000 | $ 173,000 | $ 96,000 |
| Allen County Kansas | 1 | $ 720,000 | $ 720,000 | $ 0 |
| Linn County Kansas | 1 | $ 108,000 | $ 108,000 | $ 63,000 |
| Sedgwick County Kansas | 1 | $ 163,000 | $ 163,000 | $ 85,000 |
| East Baton Rouge County Louisiana | 1 | $ 275,000 | $ 275,000 | $ 135,000 |
| Prince George's County Maryland | 1 | $ 427,000 | $ 427,000 | $ 132,000 |
| Barnstable County Massachusetts | 1 | $ 160,000 | $ 160,000 | $ 0 |
| Calhoun County Michigan | 1 | $ 142,000 | $ 142,000 | $ 121,000 |
| Washtenaw County Michigan | 1 | $ 239,000 | $ 239,000 | $ 107,000 |
| Dakota County Minnesota | 1 | $ 180,000 | $ 180,000 | $ 108,000 |
| Stearns County Minnesota | 1 | $ 308,000 | $ 308,000 | $ 113,000 |
| Barton County Missouri | 1 | $ 154,000 | $ 154,000 | $ 100,000 |
| Bates County Missouri | 1 | $ 136,000 | $ 136,000 | $ 66,000 |
| Benton County Missouri | 1 | $ 62,000 | $ 62,000 | $ 148,000 |
| Dade County Missouri | 1 | $ 15,000 | $ 15,000 | $ 53,000 |
| Dallas County Missouri | 1 | $ 50,000 | $ 50,000 | $ 15,000 |
| Hickory County Missouri | 1 | $ 40,000 | $ 40,000 | $ 56,000 |
| Lafayette County Missouri | 1 | $ 190,000 | $ 190,000 | $ 83,000 |
| Linn County Missouri | 1 | $ 100,000 | $ 100,000 | $ 85,000 |
| Pemiscot County Missouri | 1 | $ 89,000 | $ 89,000 | $ 48,000 |
| Pulaski County Missouri | 1 | $ 92,000 | $ 92,000 | $ 83,000 |
| Reynolds County Missouri | 1 | $ 204,000 | $ 204,000 | $ 100,000 |
| Saline County Missouri | 1 | $ 108,000 | $ 108,000 | $ 70,000 |
| Stoddard County Missouri | 1 | $ 26,000 | $ 26,000 | $ 27,000 |
| Sarpy County Nebraska | 1 | $ 163,000 | $ 163,000 | $ 117,000 |
| Suffolk County New York | 1 | $ 391,000 | $ 391,000 | $ 278,000 |
| Mecklenburg County North Carolina | 1 | $ 74,000 | $ 74,000 | $ 160,000 |
| Wake County North Carolina | 1 | $ 289,000 | $ 289,000 | $ 65,000 |
| Hamilton County Ohio | 1 | $ 196,000 | $ 196,000 | $ 114,000 |
| Oklahoma County Oklahoma | 1 | $ 192,000 | $ 192,000 | $ 196,000 |
| Rogers County Oklahoma | 1 | $ 181,000 | $ 181,000 | $ 115,000 |
| Delaware County Pennsylvania | 1 | $ 1,170,000 | $ 1,170,000 | $ 9,548,000 |
| Northampton County Pennsylvania | 1 | $ 153,000 | $ 153,000 | $ 151,000 |
| Davidson County Tennessee | 1 | $ 77,000 | $ 77,000 | $ 51,000 |
| Williamson County Tennessee | 1 | $ 345,000 | $ 345,000 | $ 136,000 |
| Travis County Texas | 1 | $ 310,000 | $ 310,000 | $ 115,000 |
| Van Zandt County Texas | 1 | $ 273,000 | $ 273,000 | $ 83,000 |
| Roanoke County Virginia | 1 | $ 121,000 | $ 121,000 | $ 100,000 |
Mortgage Loan Application Detail Totals for Oakstar Bank in 2012
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 |
|---|---|---|---|---|---|---|
| Refinancing | 1,559 | $291,753,000 | $187,000 | $3,560,000 | $111,000 | $9,548,000 |
| Home Purchase | 553 | $94,412,000 | $170,000 | $660,000 | $92,000 | $1,018,000 |
| Home Improvement | 4 | $77,000 | $19,000 | $43,000 | $120,000 | $167,000 |
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 | 1,905 | $343,022,000 | $180,000 | $1,260,000 | $110,000 | $9,548,000 |
| Not applicable | 60 | $16,401,000 | $273,000 | $3,560,000 | $4,000 | $196,000 |
| Not Provided | 50 | $10,181,000 | $203,000 | $417,000 | $100,000 | $239,000 |
| Asian | 46 | $7,925,000 | $172,000 | $393,000 | $109,000 | $646,000 |
| Hispanic | 24 | $4,145,000 | $172,000 | $291,000 | $75,000 | $244,000 |
| Black or African American | 23 | $3,648,000 | $158,000 | $272,000 | $76,000 | $181,000 |
| American Indian or Alaskan Native | 6 | $689,000 | $114,000 | $163,000 | $38,000 | $70,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $231,000 | $115,000 | $155,000 | $22,000 | $45,000 |
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) | 1,751 | $327,255,000 | $186,000 | $3,560,000 | $117,000 | $9,548,000 |
| FHA-insured (Federal Housing Administration) | 250 | $37,277,000 | $149,000 | $303,000 | $55,000 | $346,000 |
| VA-guaranteed (Veterans Administration) | 86 | $18,397,000 | $213,000 | $592,000 | $48,000 | $156,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 29 | $3,313,000 | $114,000 | $179,000 | $43,000 | $71,000 |
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 | 1,750 | $324,423,000 | $185,000 | $3,560,000 | $104,000 | $1,401,000 |
| Application Withdrawn By Applicant | 192 | $35,381,000 | $184,000 | $1,170,000 | $156,000 | $9,548,000 |
| Application Denied By Financial Institution | 160 | $23,870,000 | $149,000 | $660,000 | $74,000 | $800,000 |
| Application Approved But Not Accepted | 8 | $1,764,000 | $220,000 | $338,000 | $88,000 | $166,000 |
| File Closed For Incompleteness | 6 | $804,000 | $134,000 | $200,000 | $82,000 | $161,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 64 | $9,967,000 | $155,000 | $417,000 | $92,000 | $800,000 |
| Credit History | 51 | $6,883,000 | $134,000 | $430,000 | $46,000 | $259,000 |
| Debt-To-Income Ratio | 28 | $3,631,000 | $129,000 | $389,000 | $53,000 | $249,000 |
| Other | 5 | $1,214,000 | $242,000 | $660,000 | $184,000 | $423,000 |
| Employment History | 4 | $749,000 | $187,000 | $342,000 | $94,000 | $240,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $561,000 | $140,000 | $194,000 | $46,000 | $60,000 |
| Unverifiable Information | 1 | $39,000 | $39,000 | $39,000 | $13,000 | $13,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Oakstar Bank's 2012 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 Oakstar 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.
For a list of all lenders in Missouri, download the full spreadsheet
with aggregated HMDA statistics today.