Oakstar Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2018
Oakstar Bank 2018 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 | 1,629 |
| Total Mortgage Loan Application Amount | $322,315,000 |
| Average Mortgage Loan Application Amount | $158,200 |
| Highest Mortgage Loan Application Amount | $5,895,000 |
| Average Applicant Income | $91,600 |
| Highest Applicant Income | $1,020,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2018 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 2018 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 2018.
| 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 | 533 | $ 107,555,000 | $ 201,000 | $ 101,000 |
| Christian County Missouri | 178 | $ 36,990,000 | $ 207,000 | $ 100,000 |
| Polk County Missouri | 100 | $ 12,740,000 | $ 127,000 | $ 66,000 |
| Jackson County Missouri | 96 | $ 19,710,000 | $ 205,000 | $ 156,000 |
| Hickory County Missouri | 81 | $ 6,185,000 | $ 76,000 | $ 64,000 |
| Johnson County Kansas | 66 | $ 16,570,000 | $ 251,000 | $ 119,000 |
| Dallas County Missouri | 57 | $ 5,255,000 | $ 92,000 | $ 47,000 |
| Henry County Missouri | 52 | $ 5,820,000 | $ 111,000 | $ 72,000 |
| Clay County Missouri | 34 | $ 7,240,000 | $ 212,000 | $ 104,000 |
| Webster County Missouri | 34 | $ 4,950,000 | $ 145,000 | $ 69,000 |
| Camden County Missouri | 33 | $ 4,495,000 | $ 136,000 | $ 81,000 |
| Jasper County Missouri | 23 | $ 1,965,000 | $ 85,000 | $ 68,000 |
| Platte County Missouri | 23 | $ 5,755,000 | $ 250,000 | $ 126,000 |
| Lawrence County Missouri | 18 | $ 2,100,000 | $ 116,000 | $ 68,000 |
| Taney County Missouri | 17 | $ 4,805,000 | $ 282,000 | $ 104,000 |
| Stone County Missouri | 16 | $ 3,310,000 | $ 206,000 | $ 151,000 |
| Benton County Missouri | 13 | $ 1,455,000 | $ 111,000 | $ 62,000 |
| St. Clair County Missouri | 13 | $ 1,205,000 | $ 92,000 | $ 90,000 |
| Cedar County Missouri | 11 | $ 1,645,000 | $ 149,000 | $ 91,000 |
| Benton County Arkansas | 8 | $ 1,510,000 | $ 188,000 | $ 102,000 |
| Newton County Missouri | 8 | $ 1,520,000 | $ 190,000 | $ 184,000 |
| Honolulu County Hawaii | 7 | $ 3,925,000 | $ 560,000 | $ 151,000 |
| Miller County Missouri | 6 | $ 790,000 | $ 131,000 | $ 83,000 |
| Wyandotte County Kansas | 5 | $ 705,000 | $ 141,000 | $ 73,000 |
| Cass County Missouri | 5 | $ 995,000 | $ 199,000 | $ 269,000 |
| St. Louis County Missouri | 5 | $ 2,775,000 | $ 555,000 | $ 223,000 |
| Barry County Missouri | 4 | $ 970,000 | $ 242,000 | $ 109,000 |
| Bexar County Texas | 4 | $ 1,280,000 | $ 320,000 | $ 119,000 |
| Collin County Texas | 4 | $ 1,970,000 | $ 492,000 | $ 199,000 |
| Dallas County Texas | 4 | $ 1,120,000 | $ 280,000 | $ 181,000 |
| Harris County Texas | 4 | $ 830,000 | $ 207,000 | $ 138,000 |
| Washington County Arkansas | 3 | $ 615,000 | $ 205,000 | $ 48,000 |
| Laclede County Missouri | 3 | $ 655,000 | $ 218,000 | $ 102,000 |
| Morgan County Missouri | 3 | $ 455,000 | $ 151,000 | $ 134,000 |
| Ozark County Missouri | 3 | $ 475,000 | $ 158,000 | $ 116,000 |
| St. Louis City County Missouri | 3 | $ 545,000 | $ 181,000 | $ 115,000 |
| Wright County Missouri | 3 | $ 575,000 | $ 191,000 | $ 68,000 |
| Clark County Nevada | 3 | $ 805,000 | $ 268,000 | $ 94,000 |
| Loudoun County Virginia | 3 | $ 1,565,000 | $ 521,000 | $ 162,000 |
| Spotsylvania County Virginia | 3 | $ 1,045,000 | $ 348,000 | $ 113,000 |
| Stafford County Virginia | 3 | $ 1,125,000 | $ 375,000 | $ 129,000 |
| Mobile County Alabama | 2 | $ 690,000 | $ 345,000 | $ 0 |
| Maricopa County Arizona | 2 | $ 430,000 | $ 215,000 | $ 134,000 |
| Los Angeles County California | 2 | $ 1,500,000 | $ 750,000 | $ 221,000 |
| San Diego County California | 2 | $ 1,360,000 | $ 680,000 | $ 436,000 |
| Jefferson County Colorado | 2 | $ 630,000 | $ 315,000 | $ 94,000 |
| Broward County Florida | 2 | $ 950,000 | $ 475,000 | $ 123,000 |
| Collier County Florida | 2 | $ 1,030,000 | $ 515,000 | $ 200,000 |
| Lee County Florida | 2 | $ 720,000 | $ 360,000 | $ 275,000 |
| Polk County Florida | 2 | $ 350,000 | $ 175,000 | $ 146,000 |
| Doniphan County Kansas | 2 | $ 250,000 | $ 125,000 | $ 54,000 |
| Douglas County Kansas | 2 | $ 480,000 | $ 240,000 | $ 127,000 |
| Johnson County Missouri | 2 | $ 490,000 | $ 245,000 | $ 91,000 |
| Pettis County Missouri | 2 | $ 350,000 | $ 175,000 | $ 0 |
| Saunders County Nebraska | 2 | $ 530,000 | $ 265,000 | $ 277,000 |
| Sandoval County New Mexico | 2 | $ 1,600,000 | $ 800,000 | $ 268,000 |
| Knox County Tennessee | 2 | $ 500,000 | $ 250,000 | $ 94,000 |
| Nueces County Texas | 2 | $ 550,000 | $ 275,000 | $ 74,000 |
| Tarrant County Texas | 2 | $ 500,000 | $ 250,000 | $ 112,000 |
| Wichita County Texas | 2 | $ 250,000 | $ 125,000 | $ 64,000 |
| Williamson County Texas | 2 | $ 660,000 | $ 330,000 | $ 119,000 |
| Prince William County Virginia | 2 | $ 600,000 | $ 300,000 | $ 157,000 |
| Waukesha County Wisconsin | 2 | $ 400,000 | $ 200,000 | $ 64,000 |
| Morgan County Alabama | 1 | $ 305,000 | $ 305,000 | $ 117,000 |
| Yavapai County Arizona | 1 | $ 455,000 | $ 455,000 | $ 92,000 |
| Boone County Arkansas | 1 | $ 125,000 | $ 125,000 | $ 96,000 |
| Lonoke County Arkansas | 1 | $ 215,000 | $ 215,000 | $ 66,000 |
| Alameda County California | 1 | $ 575,000 | $ 575,000 | $ 102,000 |
| Placer County California | 1 | $ 395,000 | $ 395,000 | $ 174,000 |
| San Luis Obispo County California | 1 | $ 205,000 | $ 205,000 | $ 132,000 |
| Santa Cruz County California | 1 | $ 635,000 | $ 635,000 | $ 230,000 |
| Solano County California | 1 | $ 425,000 | $ 425,000 | $ 129,000 |
| Adams County Colorado | 1 | $ 435,000 | $ 435,000 | $ 141,000 |
| Boulder County Colorado | 1 | $ 425,000 | $ 425,000 | $ 128,000 |
| Sussex County Delaware | 1 | $ 95,000 | $ 95,000 | $ 45,000 |
| District of Columbia County District Of Columbia | 1 | $ 695,000 | $ 695,000 | $ 145,000 |
| Brevard County Florida | 1 | $ 845,000 | $ 845,000 | $ 217,000 |
| Charlotte County Florida | 1 | $ 225,000 | $ 225,000 | $ 50,000 |
| Hillsborough County Florida | 1 | $ 215,000 | $ 215,000 | $ 59,000 |
| Lake County Florida | 1 | $ 145,000 | $ 145,000 | $ 46,000 |
| Manatee County Florida | 1 | $ 445,000 | $ 445,000 | $ 134,000 |
| Okaloosa County Florida | 1 | $ 235,000 | $ 235,000 | $ 72,000 |
| Osceola County Florida | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Pinellas County Florida | 1 | $ 435,000 | $ 435,000 | $ 137,000 |
| Bleckley County Georgia | 1 | $ 125,000 | $ 125,000 | $ 43,000 |
| Fayette County Georgia | 1 | $ 585,000 | $ 585,000 | $ 143,000 |
| Houston County Georgia | 1 | $ 135,000 | $ 135,000 | $ 55,000 |
| Kauai County Hawaii | 1 | $ 605,000 | $ 605,000 | $ 202,000 |
| Maui County Hawaii | 1 | $ 455,000 | $ 455,000 | $ 352,000 |
| Ada County Idaho | 1 | $ 235,000 | $ 235,000 | $ 63,000 |
| Monroe County Illinois | 1 | $ 475,000 | $ 475,000 | $ 199,000 |
| Posey County Indiana | 1 | $ 175,000 | $ 175,000 | $ 53,000 |
| Vanderburgh County Indiana | 1 | $ 125,000 | $ 125,000 | $ 30,000 |
| Marion County Iowa | 1 | $ 285,000 | $ 285,000 | $ 49,000 |
| Cloud County Kansas | 1 | $ 455,000 | $ 455,000 | $ 337,000 |
| Crawford County Kansas | 1 | $ 105,000 | $ 105,000 | $ 64,000 |
| Jefferson County Kansas | 1 | $ 205,000 | $ 205,000 | $ 55,000 |
| Leavenworth County Kansas | 1 | $ 385,000 | $ 385,000 | $ 107,000 |
| Miami County Kansas | 1 | $ 85,000 | $ 85,000 | $ 52,000 |
| Sedgwick County Kansas | 1 | $ 115,000 | $ 115,000 | $ 58,000 |
| Shawnee County Kansas | 1 | $ 265,000 | $ 265,000 | $ 150,000 |
| Jefferson County Kentucky | 1 | $ 145,000 | $ 145,000 | $ 158,000 |
| Anne Arundel County Maryland | 1 | $ 965,000 | $ 965,000 | $ 338,000 |
| Talbot County Maryland | 1 | $ 455,000 | $ 455,000 | $ 538,000 |
| Suffolk County Massachusetts | 1 | $ 615,000 | $ 615,000 | $ 181,000 |
| Antrim County Michigan | 1 | $ 235,000 | $ 235,000 | $ 91,000 |
| St. Louis County Minnesota | 1 | $ 555,000 | $ 555,000 | $ 647,000 |
| DeSoto County Mississippi | 1 | $ 165,000 | $ 165,000 | $ 79,000 |
| Buchanan County Missouri | 1 | $ 35,000 | $ 35,000 | $ 96,000 |
| Cape Girardeau County Missouri | 1 | $ 35,000 | $ 35,000 | $ 16,000 |
| Douglas County Missouri | 1 | $ 175,000 | $ 175,000 | $ 131,000 |
| Howell County Missouri | 1 | $ 205,000 | $ 205,000 | $ 100,000 |
| Jefferson County Missouri | 1 | $ 205,000 | $ 205,000 | $ 66,000 |
| St. Charles County Missouri | 1 | $ 175,000 | $ 175,000 | $ 99,000 |
| St. Francois County Missouri | 1 | $ 65,000 | $ 65,000 | $ 51,000 |
| Stoddard County Missouri | 1 | $ 605,000 | $ 605,000 | $ 0 |
| Texas County Missouri | 1 | $ 245,000 | $ 245,000 | $ 0 |
| Vernon County Missouri | 1 | $ 175,000 | $ 175,000 | $ 84,000 |
| Flathead County Montana | 1 | $ 315,000 | $ 315,000 | $ 163,000 |
| Sweet Grass County Montana | 1 | $ 245,000 | $ 245,000 | $ 87,000 |
| Douglas County Nebraska | 1 | $ 225,000 | $ 225,000 | $ 58,000 |
| Grafton County New Hampshire | 1 | $ 425,000 | $ 425,000 | $ 152,000 |
| Dona Ana County New Mexico | 1 | $ 155,000 | $ 155,000 | $ 204,000 |
| Santa Fe County New Mexico | 1 | $ 1,455,000 | $ 1,455,000 | $ 952,000 |
| Richmond County New York | 1 | $ 465,000 | $ 465,000 | $ 0 |
| Suffolk County New York | 1 | $ 725,000 | $ 725,000 | $ 438,000 |
| Westchester County New York | 1 | $ 475,000 | $ 475,000 | $ 167,000 |
| Durham County North Carolina | 1 | $ 215,000 | $ 215,000 | $ 89,000 |
| Forsyth County North Carolina | 1 | $ 175,000 | $ 175,000 | $ 115,000 |
| Moore County North Carolina | 1 | $ 325,000 | $ 325,000 | $ 156,000 |
| Williams County North Dakota | 1 | $ 105,000 | $ 105,000 | $ 65,000 |
| Clark County Ohio | 1 | $ 65,000 | $ 65,000 | $ 51,000 |
| Miami County Ohio | 1 | $ 275,000 | $ 275,000 | $ 109,000 |
| Delaware County Oklahoma | 1 | $ 185,000 | $ 185,000 | $ 60,000 |
| Oklahoma County Oklahoma | 1 | $ 95,000 | $ 95,000 | $ 66,000 |
| Lane County Oregon | 1 | $ 605,000 | $ 605,000 | $ 480,000 |
| Centre County Pennsylvania | 1 | $ 725,000 | $ 725,000 | $ 430,000 |
| Mifflin County Pennsylvania | 1 | $ 225,000 | $ 225,000 | $ 80,000 |
| Richland County South Carolina | 1 | $ 265,000 | $ 265,000 | $ 73,000 |
| Minnehaha County South Dakota | 1 | $ 455,000 | $ 455,000 | $ 187,000 |
| Denton County Texas | 1 | $ 195,000 | $ 195,000 | $ 737,000 |
| Ellis County Texas | 1 | $ 315,000 | $ 315,000 | $ 169,000 |
| Hays County Texas | 1 | $ 315,000 | $ 315,000 | $ 72,000 |
| Hidalgo County Texas | 1 | $ 195,000 | $ 195,000 | $ 139,000 |
| Titus County Texas | 1 | $ 365,000 | $ 365,000 | $ 130,000 |
| Chittenden County Vermont | 1 | $ 385,000 | $ 385,000 | $ 377,000 |
| Arlington County Virginia | 1 | $ 825,000 | $ 825,000 | $ 650,000 |
| Fairfax County Virginia | 1 | $ 345,000 | $ 345,000 | $ 63,000 |
| New Kent County Virginia | 1 | $ 235,000 | $ 235,000 | $ 76,000 |
| Norfolk County Virginia | 1 | $ 425,000 | $ 425,000 | $ 92,000 |
| Powhatan County Virginia | 1 | $ 555,000 | $ 555,000 | $ 124,000 |
| King County Washington | 1 | $ 265,000 | $ 265,000 | $ 75,000 |
| Kitsap County Washington | 1 | $ 495,000 | $ 495,000 | $ 107,000 |
| Pierce County Washington | 1 | $ 545,000 | $ 545,000 | $ 250,000 |
| Thurston County Washington | 1 | $ 205,000 | $ 205,000 | $ 71,000 |
Mortgage Loan Application Detail Totals for Oakstar Bank in 2018
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 | 1,197 | $247,495,000 | $206,000 | $5,895,000 | $105,000 | $1,020,000 |
| Refinancing | 275 | $45,065,000 | $163,000 | $1,295,000 | $98,000 | $1,012,000 |
| Cash-out Refinancing | 113 | $25,395,000 | $224,000 | $965,000 | $106,000 | $650,000 |
| Home Improvement | 31 | $3,035,000 | $97,000 | $495,000 | $72,000 | $224,000 |
| Other Purpose | 13 | $1,325,000 | $101,000 | $405,000 | $77,000 | $147,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 1,403 | $260,055,000 | $185,000 | $1,455,000 | $103,000 | $1,020,000 |
| Not applicable | 123 | $37,905,000 | $308,000 | $5,895,000 | $0 | $0 |
| Asian | 28 | $6,870,000 | $245,000 | $855,000 | $134,000 | $737,000 |
| Hispanic | 27 | $6,475,000 | $239,000 | $695,000 | $94,000 | $244,000 |
| Black or African American | 22 | $6,570,000 | $298,000 | $965,000 | $126,000 | $338,000 |
| Not Provided | 18 | $3,240,000 | $180,000 | $655,000 | $135,000 | $396,000 |
| American Indian or Alaskan Native | 5 | $685,000 | $137,000 | $295,000 | $122,000 | $286,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $115,000 | $115,000 | $115,000 | $29,000 | $29,000 |
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) | 1,335 | $255,885,000 | $191,000 | $5,895,000 | $109,000 | $1,020,000 |
| VA-guaranteed (Veterans Administration) | 126 | $42,220,000 | $335,000 | $1,455,000 | $117,000 | $952,000 |
| FHA-insured (Federal Housing Administration) | 116 | $18,310,000 | $157,000 | $425,000 | $64,000 | $195,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 52 | $5,900,000 | $113,000 | $215,000 | $43,000 | $77,000 |
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 | 1,396 | $273,760,000 | $196,000 | $5,895,000 | $102,000 | $1,012,000 |
| Application Withdrawn By Applicant | 150 | $35,700,000 | $238,000 | $1,205,000 | $137,000 | $1,020,000 |
| Application Denied By Financial Institution | 69 | $10,495,000 | $152,000 | $1,295,000 | $65,000 | $480,000 |
| Application Approved But Not Accepted | 13 | $2,345,000 | $180,000 | $605,000 | $118,000 | $480,000 |
| File Closed For Incompleteness | 1 | $15,000 | $15,000 | $15,000 | $10,000 | $10,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 1,560 | $311,820,000 | $199,000 | $5,895,000 | $106,000 | $1,020,000 |
| Credit History | 26 | $3,210,000 | $123,000 | $605,000 | $64,000 | $208,000 |
| Debt-To-Income Ratio | 21 | $2,345,000 | $111,000 | $285,000 | $46,000 | $110,000 |
| Collateral | 14 | $1,790,000 | $127,000 | $315,000 | $68,000 | $216,000 |
| Credit Application Incomplete | 5 | $2,575,000 | $515,000 | $1,295,000 | $189,000 | $480,000 |
| Other | 2 | $110,000 | $55,000 | $95,000 | $49,000 | $53,000 |
| Unverifiable Information | 1 | $465,000 | $465,000 | $465,000 | $114,000 | $114,000 |
| 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Oakstar Bank's 2018 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.