Oakstar Bank Mortgage Lending & HMDA Data, 2015

In 2015, Oakstar Bank of Springfield, MO reported 1,717 mortgage applications totaling $374.3 million, up 34% from 2014. The average application was for $217,969, and applicants reported an average income of $102,722. 88% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Springfield, MO (949), Kansas City, MO-KS (414) and Washington-Arlington-Alexandria, DC-VA-MD-WV (18) (applications in parentheses).

Mortgage Company & Address Oakstar Bank
1020 E Battlefield
Springfield, MO 65807
Tel #: available with data download
Federal Regulator * available with data download
Years 2025  2024  2023  2022  2021  2020  2019  2018  2017  2016  2015  2014  2013  2012  
Total Number of Mortgage Applications 1,717
Total Mortgage Loan Application Amount $374,254,000
Average Mortgage Loan Application Amount $217,969
Highest Mortgage Loan Application Amount $3,280,000
Average Applicant Income $102,722
Highest Applicant Income $1,942,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Oakstar Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.

Mortgage Loan Application Totals for Oakstar Bank by County in 2015

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Greene, Missouri 668 $ 114,028,000 $ 170,700 $ 81,000
Christian, Missouri 220 $ 40,692,000 $ 184,963 $ 99,000
Jackson, Missouri 154 $ 30,330,000 $ 196,948 $ 104,000
Johnson, Kansas 142 $ 33,142,000 $ 233,394 $ 120,000
Clay, Missouri 51 $ 10,608,000 $ 208,000 $ 98,000
Cass, Missouri 37 $ 5,986,000 $ 161,783 $ 81,000
Webster, Missouri 31 $ 6,580,000 $ 212,258 $ 80,000
Polk, Missouri 27 $ 3,626,000 $ 134,296 $ 64,000
Stone, Missouri 20 $ 4,673,000 $ 233,650 $ 251,000
Platte, Missouri 19 $ 4,836,000 $ 254,526 $ 117,000
Taney, Missouri 15 $ 2,454,000 $ 163,600 $ 89,000
Honolulu, Hawaii 13 $ 7,534,000 $ 579,538 $ 42,000
Lawrence, Missouri 13 $ 1,821,000 $ 140,076 $ 80,000
Maricopa, Arizona 7 $ 2,142,000 $ 306,000 $ 188,000
Clark, Nevada 7 $ 1,894,000 $ 270,571 $ 117,000
Los Angeles, California 6 $ 3,913,000 $ 652,166 $ 191,000
Santa Clara, California 6 $ 2,983,000 $ 497,166 $ 76,000
Hillsborough, Florida 6 $ 2,310,000 $ 385,000 $ 63,000
Wyandotte, Kansas 6 $ 932,000 $ 155,333 $ 70,000
Jasper, Missouri 6 $ 1,279,000 $ 213,166 $ 109,000
Laclede, Missouri 5 $ 526,000 $ 105,200 $ 105,000
Loudoun, Virginia 5 $ 2,489,000 $ 497,800 $ 124,000
King, Washington 5 $ 2,454,000 $ 490,800 $ 58,000
Orange, California 4 $ 3,003,000 $ 750,750 $ 23,000
Lee, Florida 4 $ 953,000 $ 238,250 $ 173,000
Phelps, Missouri 4 $ 349,000 $ 87,250 $ 0
St. Louis, Missouri 4 $ 1,162,000 $ 290,500 $ 67,000
Fairfax, Virginia 4 $ 1,692,000 $ 423,000 $ 111,000
Baxter, Arkansas 3 $ 758,000 $ 252,666 $ 297,000
Benton, Arkansas 3 $ 526,000 $ 175,333 $ 153,000
Pulaski, Arkansas 3 $ 638,000 $ 212,666 $ 83,000
San Diego, California 3 $ 2,431,000 $ 810,333 $ 151,000
Larimer, Colorado 3 $ 816,000 $ 272,000 $ 255,000
Douglas, Kansas 3 $ 307,000 $ 102,333 $ 41,000
Boone, Missouri 3 $ 510,000 $ 170,000 $ 766,000
Camden, Missouri 3 $ 514,000 $ 171,333 $ 117,000
Clinton, Missouri 3 $ 507,000 $ 169,000 $ 76,000
Dallas, Missouri 3 $ 603,000 $ 201,000 $ 114,000
Wright, Missouri 3 $ 418,000 $ 139,333 $ 91,000
Douglas, Nebraska 3 $ 333,000 $ 111,000 $ 125,000
Dallas, Texas 3 $ 2,203,000 $ 734,333 $ 252,000
Denton, Texas 3 $ 704,000 $ 234,666 $ 508,000
Guadalupe, Texas 3 $ 576,000 $ 192,000 $ 22,000
Williamson, Texas 3 $ 946,000 $ 315,333 $ 119,000
Tallapoosa, Alabama 2 $ 2,847,000 $ 1,423,500 $ 649,000
Cleburne, Arkansas 2 $ 744,000 $ 372,000 $ 906,000
Alameda, California 2 $ 1,113,000 $ 556,500 $ 0
Douglas, Colorado 2 $ 621,000 $ 310,500 $ 177,000
Jefferson, Colorado 2 $ 737,000 $ 368,500 $ 87,000
District of Columbia, District Of Columbia 2 $ 1,491,000 $ 745,500 $ 84,000
Sarasota, Florida 2 $ 664,000 $ 332,000 $ 97,000
Fulton, Georgia 2 $ 525,000 $ 262,500 $ 117,000
Hawaii, Hawaii 2 $ 468,000 $ 234,000 $ 249,000
Kauai, Hawaii 2 $ 1,054,000 $ 527,000 $ 6,000
Cook, Illinois 2 $ 926,000 $ 463,000 $ 290,000
Warrick, Indiana 2 $ 290,000 $ 145,000 $ 68,000
Barren, Kentucky 2 $ 306,000 $ 153,000 $ 61,000
Jefferson, Kentucky 2 $ 796,000 $ 398,000 $ 158,000
Anne Arundel, Maryland 2 $ 1,037,000 $ 518,500 $ 0
Prince George's, Maryland 2 $ 618,000 $ 309,000 $ 57,000
Middlesex, Massachusetts 2 $ 801,000 $ 400,500 $ 21,000
Douglas, Missouri 2 $ 255,000 $ 127,500 $ 59,000
Ozark, Missouri 2 $ 209,000 $ 104,500 $ 61,000
St. Charles, Missouri 2 $ 294,000 $ 147,000 $ 60,000
St. Louis City, Missouri 2 $ 408,000 $ 204,000 $ 92,000
Suffolk, New York 2 $ 717,000 $ 358,500 $ 265,000
Moore, North Carolina 2 $ 568,000 $ 284,000 $ 43,000
Delaware, Oklahoma 2 $ 495,000 $ 247,500 $ 34,000
Tulsa, Oklahoma 2 $ 409,000 $ 204,500 $ 336,000
Multnomah, Oregon 2 $ 727,000 $ 363,500 $ 15,000
Sevier, Tennessee 2 $ 755,000 $ 377,500 $ 147,000
Bexar, Texas 2 $ 1,232,000 $ 616,000 $ 493,000
Collin, Texas 2 $ 521,000 $ 260,500 $ 168,000
Harris, Texas 2 $ 853,000 $ 426,500 $ 229,000
Salt Lake, Utah 2 $ 997,000 $ 498,500 $ 155,000
Arlington, Virginia 2 $ 1,139,000 $ 569,500 $ 251,000
Isle of Wight, Virginia 2 $ 1,595,000 $ 797,500 $ 232,000
Prince William, Virginia 2 $ 715,000 $ 357,500 $ 16,000
Benton, Washington 2 $ 626,000 $ 313,000 $ 253,000
Chelan, Washington 2 $ 1,695,000 $ 847,500 $ 0
Island, Washington 2 $ 881,000 $ 440,500 $ 93,000
Jefferson, Alabama 1 $ 3,280,000 $ 3,280,000 $ 0
Mobile, Alabama 1 $ 412,000 $ 412,000 $ 0
St. Clair, Alabama 1 $ 171,000 $ 171,000 $ 91,000
Tuscaloosa, Alabama 1 $ 154,000 $ 154,000 $ 189,000
Mohave, Arizona 1 $ 426,000 $ 426,000 $ 151,000
Pinal, Arizona 1 $ 113,000 $ 113,000 $ 141,000
Carroll, Arkansas 1 $ 410,000 $ 410,000 $ 510,000
Contra Costa, California 1 $ 290,000 $ 290,000 $ 110,000
Kings, California 1 $ 154,000 $ 154,000 $ 136,000
Nevada, California 1 $ 244,000 $ 244,000 $ 147,000
Riverside, California 1 $ 391,000 $ 391,000 $ 88,000
San Joaquin, California 1 $ 441,000 $ 441,000 $ 0
San Mateo, California 1 $ 470,000 $ 470,000 $ 141,000
Solano, California 1 $ 478,000 $ 478,000 $ 97,000
Adams, Colorado 1 $ 310,000 $ 310,000 $ 0
Boulder, Colorado 1 $ 146,000 $ 146,000 $ 197,000
Fairfield, Connecticut 1 $ 718,000 $ 718,000 $ 235,000
New Haven, Connecticut 1 $ 417,000 $ 417,000 $ 324,000
Alachua, Florida 1 $ 351,000 $ 351,000 $ 146,000
Broward, Florida 1 $ 353,000 $ 353,000 $ 150,000
Charlotte, Florida 1 $ 225,000 $ 225,000 $ 205,000
Collier, Florida 1 $ 534,000 $ 534,000 $ 203,000
Indian River, Florida 1 $ 178,000 $ 178,000 $ 149,000
Manatee, Florida 1 $ 170,000 $ 170,000 $ 120,000
Orange, Florida 1 $ 363,000 $ 363,000 $ 200,000
Chatham, Georgia 1 $ 1,080,000 $ 1,080,000 $ 600,000
Cobb, Georgia 1 $ 297,000 $ 297,000 $ 168,000
DeKalb, Georgia 1 $ 234,000 $ 234,000 $ 165,000
Forsyth, Georgia 1 $ 174,000 $ 174,000 $ 102,000
Maui, Hawaii 1 $ 723,000 $ 723,000 $ 0
Nez Perce, Idaho 1 $ 253,000 $ 253,000 $ 75,000
Winnebago, Illinois 1 $ 204,000 $ 204,000 $ 163,000
Vanderburgh, Indiana 1 $ 114,000 $ 114,000 $ 48,000
Labette, Kansas 1 $ 144,000 $ 144,000 $ 290,000
Miami, Kansas 1 $ 276,000 $ 276,000 $ 91,000
Sedgwick, Kansas 1 $ 109,000 $ 109,000 $ 356,000
Shawnee, Kansas 1 $ 43,000 $ 43,000 $ 327,000
Daviess, Kentucky 1 $ 185,000 $ 185,000 $ 90,000
Oldham, Kentucky 1 $ 715,000 $ 715,000 $ 0
Avoyelles, Louisiana 1 $ 355,000 $ 355,000 $ 170,000
Lincoln, Louisiana 1 $ 86,000 $ 86,000 $ 197,000
Orleans, Louisiana 1 $ 400,000 $ 400,000 $ 165,000
Calvert, Maryland 1 $ 644,000 $ 644,000 $ 274,000
Frederick, Maryland 1 $ 417,000 $ 417,000 $ 146,000
Montgomery, Maryland 1 $ 501,000 $ 501,000 $ 74,000
Kent, Michigan 1 $ 333,000 $ 333,000 $ 220,000
Livingston, Michigan 1 $ 340,000 $ 340,000 $ 236,000
Wayne, Michigan 1 $ 778,000 $ 778,000 $ 350,000
Carver, Minnesota 1 $ 304,000 $ 304,000 $ 0
Olmsted, Minnesota 1 $ 130,000 $ 130,000 $ 51,000
Barry, Missouri 1 $ 251,000 $ 251,000 $ 1,547,000
Cole, Missouri 1 $ 306,000 $ 306,000 $ 86,000
Dade, Missouri 1 $ 80,000 $ 80,000 $ 57,000
Hickory, Missouri 1 $ 113,000 $ 113,000 $ 54,000
Jefferson, Missouri 1 $ 231,000 $ 231,000 $ 123,000
Johnson, Missouri 1 $ 65,000 $ 65,000 $ 48,000
Lafayette, Missouri 1 $ 68,000 $ 68,000 $ 47,000
Newton, Missouri 1 $ 328,000 $ 328,000 $ 116,000
Pettis, Missouri 1 $ 41,000 $ 41,000 $ 22,000
Ripley, Missouri 1 $ 117,000 $ 117,000 $ 30,000
Shannon, Missouri 1 $ 230,000 $ 230,000 $ 74,000
Vernon, Missouri 1 $ 240,000 $ 240,000 $ 96,000
Lancaster, Nebraska 1 $ 118,000 $ 118,000 $ 56,000
Sarpy, Nebraska 1 $ 230,000 $ 230,000 $ 186,000
Morris, New Jersey 1 $ 951,000 $ 951,000 $ 345,000
Bernalillo, New Mexico 1 $ 320,000 $ 320,000 $ 256,000
Dona Ana, New Mexico 1 $ 373,000 $ 373,000 $ 112,000
Essex, New York 1 $ 69,000 $ 69,000 $ 40,000
Orange, New York 1 $ 305,000 $ 305,000 $ 153,000
Bertie, North Carolina 1 $ 404,000 $ 404,000 $ 155,000
Currituck, North Carolina 1 $ 375,000 $ 375,000 $ 161,000
Edgecombe, North Carolina 1 $ 279,000 $ 279,000 $ 0
Mecklenburg, North Carolina 1 $ 121,000 $ 121,000 $ 0
Union, North Carolina 1 $ 559,000 $ 559,000 $ 124,000
Wake, North Carolina 1 $ 308,000 $ 308,000 $ 76,000
Clark, Ohio 1 $ 128,000 $ 128,000 $ 111,000
Franklin, Ohio 1 $ 460,000 $ 460,000 $ 146,000
Oklahoma, Oklahoma 1 $ 41,000 $ 41,000 $ 42,000
Clackamas, Oregon 1 $ 295,000 $ 295,000 $ 39,000
Curry, Oregon 1 $ 637,000 $ 637,000 $ 119,000
Lane, Oregon 1 $ 225,000 $ 225,000 $ 96,000
Allegheny, Pennsylvania 1 $ 235,000 $ 235,000 $ 0
Cumberland, Pennsylvania 1 $ 326,000 $ 326,000 $ 162,000
Dauphin, Pennsylvania 1 $ 300,000 $ 300,000 $ 60,000
Montgomery, Pennsylvania 1 $ 476,000 $ 476,000 $ 107,000
Northampton, Pennsylvania 1 $ 209,000 $ 209,000 $ 0
Washington, Rhode Island 1 $ 381,000 $ 381,000 $ 245,000
Anderson, South Carolina 1 $ 125,000 $ 125,000 $ 37,000
Berkeley, South Carolina 1 $ 149,000 $ 149,000 $ 190,000
Charleston, South Carolina 1 $ 354,000 $ 354,000 $ 192,000
Dorchester, South Carolina 1 $ 308,000 $ 308,000 $ 0
Lexington, South Carolina 1 $ 383,000 $ 383,000 $ 210,000
Montgomery, Tennessee 1 $ 299,000 $ 299,000 $ 88,000
Shelby, Tennessee 1 $ 304,000 $ 304,000 $ 0
Ector, Texas 1 $ 507,000 $ 507,000 $ 0
Ellis, Texas 1 $ 290,000 $ 290,000 $ 110,000
Fort Bend, Texas 1 $ 158,000 $ 158,000 $ 84,000
Montgomery, Texas 1 $ 409,000 $ 409,000 $ 0
Travis, Texas 1 $ 363,000 $ 363,000 $ 199,000
Washington, Texas 1 $ 350,000 $ 350,000 $ 85,000
Summit, Utah 1 $ 584,000 $ 584,000 $ 132,000
Henrico, Virginia 1 $ 499,000 $ 499,000 $ 103,000
Virginia Beach, Virginia 1 $ 617,000 $ 617,000 $ 213,000
Asotin, Washington 1 $ 431,000 $ 431,000 $ 92,000
Spokane, Washington 1 $ 225,000 $ 225,000 $ 350,000
Walla Walla, Washington 1 $ 356,000 $ 356,000 $ 0

Mortgage Loan Application Detail Totals for Oakstar Bank in 2015

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
Home Purchase 1,011 $190,803,000 $188,000 $3,280,000 $94,000 $1,318,000
Refinancing 703 $182,940,000 $260,000 $3,130,000 $115,000 $1,942,000
Home Improvement 3 $511,000 $170,000 $417,000 $165,000 $234,000

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 1,504 $311,155,000 $206,000 $1,451,000 $106,000 $1,942,000
Not applicable 87 $21,166,000 $243,000 $3,280,000 $0 $0
Asian 42 $10,446,000 $248,000 $566,000 $150,000 $684,000
Black or African American 28 $9,714,000 $346,000 $805,000 $97,000 $244,000
Not Provided 25 $11,317,000 $452,000 $890,000 $149,000 $806,000
Hispanic 20 $6,845,000 $342,000 $981,000 $153,000 $585,000
American Indian or Alaskan Native 7 $1,673,000 $239,000 $380,000 $97,000 $231,000
Native Hawaiian or Other Pacific Islander 4 $1,938,000 $484,000 $629,000 $12,000 $50,000

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) 1,271 $254,571,000 $200,000 $3,280,000 $113,000 $1,942,000
VA-guaranteed (Veterans Administration) 211 $84,130,000 $398,000 $1,451,000 $93,000 $806,000
FHA-insured (Federal Housing Administration) 190 $30,166,000 $158,000 $723,000 $59,000 $225,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 45 $5,387,000 $119,000 $209,000 $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 1,506 $330,328,000 $219,000 $3,280,000 $101,000 $1,942,000
Application Withdrawn By Applicant 133 $26,944,000 $202,000 $1,080,000 $118,000 $600,000
Application Denied By Financial Institution 62 $13,580,000 $219,000 $1,378,000 $86,000 $362,000
Application Approved But Not Accepted 10 $2,713,000 $271,000 $890,000 $201,000 $801,000
File Closed For Incompleteness 6 $689,000 $114,000 $248,000 $99,000 $126,000
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 0 $0 $0 $0 $0 $0
Credit Application Incomplete 0 $0 $0 $0 $0 $0
Credit History 0 $0 $0 $0 $0 $0
Debt-To-Income Ratio 0 $0 $0 $0 $0 $0
Employment History 0 $0 $0 $0 $0 $0
Insufficient Cash (Downpayment, Closing Cost) 0 $0 $0 $0 $0 $0
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0
Other 0 $0 $0 $0 $0 $0
Unverifiable Information 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Oakstar Bank's 2015 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.

Download the Missouri Lender List