Oakstar Bank Mortgage Lending & HMDA Data, 2019

In 2019, Oakstar Bank of Springfield, MO reported 2,123 mortgage applications totaling $515.4 million, up 30% from 2018. The average application was for $242,757, and applicants reported an average income of $121,108. 80% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Springfield, MO (1,114), Kansas City, MO-KS (366) and Washington-Arlington-Alexandria, DC-VA-MD-WV (26) (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 2,123
Total Mortgage Loan Application Amount $515,375,000
Average Mortgage Loan Application Amount $242,757
Highest Mortgage Loan Application Amount $22,285,000
Average Applicant Income $121,108
Highest Applicant Income $4,489,000

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Act (HMDA) records Oakstar Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2019

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Greene, Missouri 654 $ 140,580,000 $ 214,954 $ 127,000
Christian, Missouri 239 $ 50,695,000 $ 212,112 $ 100,000
Johnson, Kansas 162 $ 49,610,000 $ 306,234 $ 158,000
Polk, Missouri 132 $ 18,850,000 $ 142,803 $ 79,000
Jackson, Missouri 103 $ 25,855,000 $ 251,019 $ 149,000
Camden, Missouri 77 $ 11,135,000 $ 144,610 $ 78,000
Hickory, Missouri 66 $ 5,920,000 $ 89,696 $ 60,000
Dallas, Missouri 64 $ 6,260,000 $ 97,812 $ 58,000
Henry, Missouri 60 $ 8,540,000 $ 142,333 $ 83,000
Clay, Missouri 35 $ 8,205,000 $ 234,428 $ 127,000
Platte, Missouri 33 $ 8,935,000 $ 270,757 $ 128,000
Stone, Missouri 27 $ 5,175,000 $ 191,666 $ 158,000
Webster, Missouri 25 $ 4,755,000 $ 190,200 $ 76,000
Taney, Missouri 18 $ 4,760,000 $ 264,444 $ 77,000
Honolulu, Hawaii 16 $ 9,300,000 $ 581,250 $ 124,000
Wyandotte, Kansas 15 $ 5,915,000 $ 394,333 $ 204,000
Benton, Missouri 15 $ 1,875,000 $ 125,000 $ 188,000
Jasper, Missouri 15 $ 1,965,000 $ 131,000 $ 91,000
Yavapai, Arizona 14 $ 4,430,000 $ 316,428 $ 135,000
Cedar, Missouri 13 $ 1,975,000 $ 151,923 $ 75,000
Benton, Arkansas 12 $ 3,150,000 $ 262,500 $ 173,000
Barry, Missouri 11 $ 1,665,000 $ 151,363 $ 93,000
St. Clair, Missouri 10 $ 800,000 $ 80,000 $ 47,000
Cass, Missouri 8 $ 2,030,000 $ 253,750 $ 120,000
Lawrence, Missouri 8 $ 1,250,000 $ 156,250 $ 63,000
Maricopa, Arizona 7 $ 2,335,000 $ 333,571 $ 267,000
Miller, Missouri 7 $ 1,175,000 $ 167,857 $ 63,000
Douglas, Nebraska 7 $ 1,845,000 $ 263,571 $ 187,000
Loudoun, Virginia 6 $ 2,940,000 $ 490,000 $ 153,000
Los Angeles, California 5 $ 3,425,000 $ 685,000 $ 95,000
Lee, Florida 5 $ 1,275,000 $ 255,000 $ 190,000
Leavenworth, Kansas 5 $ 1,495,000 $ 299,000 $ 102,000
Johnson, Missouri 5 $ 1,005,000 $ 201,000 $ 100,000
Laclede, Missouri 5 $ 785,000 $ 157,000 $ 114,000
Bexar, Texas 5 $ 1,985,000 $ 397,000 $ 198,000
Harris, Texas 5 $ 1,615,000 $ 323,000 $ 165,000
Fairfax, Virginia 5 $ 4,015,000 $ 803,000 $ 0
District of Columbia, District Of Columbia 4 $ 2,620,000 $ 655,000 $ 117,000
Hillsborough, Florida 4 $ 1,170,000 $ 292,500 $ 174,000
Buchanan, Missouri 4 $ 15,170,000 $ 3,792,500 $ 70,000
St. Charles, Missouri 4 $ 1,470,000 $ 367,500 $ 161,000
St. Louis, Missouri 4 $ 590,000 $ 147,500 $ 165,000
Durham, North Carolina 4 $ 1,220,000 $ 305,000 $ 193,000
Williamson, Tennessee 4 $ 1,940,000 $ 485,000 $ 228,000
Norfolk, Virginia 4 $ 1,680,000 $ 420,000 $ 88,000
San Luis Obispo, California 3 $ 1,295,000 $ 431,666 $ 678,000
Camden, Georgia 3 $ 745,000 $ 248,333 $ 0
Fayette, Georgia 3 $ 1,735,000 $ 578,333 $ 0
St. Clair, Illinois 3 $ 845,000 $ 281,666 $ 185,000
Douglas, Kansas 3 $ 755,000 $ 251,666 $ 193,000
Miami, Kansas 3 $ 645,000 $ 215,000 $ 130,000
Prince George's, Maryland 3 $ 1,575,000 $ 525,000 $ 246,000
Berkshire, Massachusetts 3 $ 955,000 $ 318,333 $ 186,000
Dade, Missouri 3 $ 705,000 $ 235,000 $ 96,000
Morgan, Missouri 3 $ 615,000 $ 205,000 $ 333,000
Newton, Missouri 3 $ 355,000 $ 118,333 $ 66,000
Ozark, Missouri 3 $ 415,000 $ 138,333 $ 66,000
Mifflin, Pennsylvania 3 $ 645,000 $ 215,000 $ 110,000
Williamson, Texas 3 $ 915,000 $ 305,000 $ 139,000
Stafford, Virginia 3 $ 1,195,000 $ 398,333 $ 142,000
Madison, Alabama 2 $ 390,000 $ 195,000 $ 0
Ketchikan Gateway, Alaska 2 $ 970,000 $ 485,000 $ 0
Lonoke, Arkansas 2 $ 440,000 $ 220,000 $ 0
Alameda, California 2 $ 1,330,000 $ 665,000 $ 0
Santa Clara, California 2 $ 1,240,000 $ 620,000 $ 135,000
Cook, Illinois 2 $ 390,000 $ 195,000 $ 171,000
Richland, Illinois 2 $ 450,000 $ 225,000 $ 259,000
Harrison, Mississippi 2 $ 320,000 $ 160,000 $ 69,000
Andrew, Missouri 2 $ 400,000 $ 200,000 $ 91,000
Barton, Missouri 2 $ 210,000 $ 105,000 $ 39,000
Bates, Missouri 2 $ 340,000 $ 170,000 $ 70,000
Boone, Missouri 2 $ 350,000 $ 175,000 $ 134,000
Jefferson, Missouri 2 $ 360,000 $ 180,000 $ 63,000
Vernon, Missouri 2 $ 100,000 $ 50,000 $ 77,000
Wright, Missouri 2 $ 400,000 $ 200,000 $ 108,000
Santa Fe, New Mexico 2 $ 520,000 $ 260,000 $ 62,000
Centre, Pennsylvania 2 $ 1,420,000 $ 710,000 $ 0
Horry, South Carolina 2 $ 170,000 $ 85,000 $ 56,000
Bell, Texas 2 $ 310,000 $ 155,000 $ 0
Dallas, Texas 2 $ 970,000 $ 485,000 $ 336,000
Tarrant, Texas 2 $ 450,000 $ 225,000 $ 117,000
King George, Virginia 2 $ 410,000 $ 205,000 $ 0
Prince William, Virginia 2 $ 900,000 $ 450,000 $ 0
Baldwin, Alabama 1 $ 275,000 $ 275,000 $ 0
Jefferson, Alabama 1 $ 175,000 $ 175,000 $ 77,000
Shelby, Alabama 1 $ 445,000 $ 445,000 $ 0
Anchorage, Alaska 1 $ 575,000 $ 575,000 $ 111,000
Izard, Arkansas 1 $ 85,000 $ 85,000 $ 41,000
Pope, Arkansas 1 $ 55,000 $ 55,000 $ 21,000
Pulaski, Arkansas 1 $ 305,000 $ 305,000 $ 153,000
Marin, California 1 $ 595,000 $ 595,000 $ 161,000
Orange, California 1 $ 565,000 $ 565,000 $ 188,000
Placer, California 1 $ 515,000 $ 515,000 $ 98,000
San Diego, California 1 $ 725,000 $ 725,000 $ 0
Arapahoe, Colorado 1 $ 245,000 $ 245,000 $ 88,000
Boulder, Colorado 1 $ 415,000 $ 415,000 $ 136,000
Broomfield, Colorado 1 $ 265,000 $ 265,000 $ 77,000
Clear Creek, Colorado 1 $ 295,000 $ 295,000 $ 246,000
Denver, Colorado 1 $ 405,000 $ 405,000 $ 298,000
Larimer, Colorado 1 $ 225,000 $ 225,000 $ 75,000
Mesa, Colorado 1 $ 295,000 $ 295,000 $ 0
Sussex, Delaware 1 $ 85,000 $ 85,000 $ 44,000
Bay, Florida 1 $ 355,000 $ 355,000 $ 105,000
Brevard, Florida 1 $ 835,000 $ 835,000 $ 0
Collier, Florida 1 $ 425,000 $ 425,000 $ 0
Duval, Florida 1 $ 385,000 $ 385,000 $ 127,000
Lake, Florida 1 $ 155,000 $ 155,000 $ 53,000
Manatee, Florida 1 $ 445,000 $ 445,000 $ 0
Okaloosa, Florida 1 $ 22,285,000 $ 22,285,000 $ 0
Polk, Florida 1 $ 325,000 $ 325,000 $ 152,000
Santa Rosa, Florida 1 $ 145,000 $ 145,000 $ 34,000
Seminole, Florida 1 $ 335,000 $ 335,000 $ 117,000
Sumter, Florida 1 $ 185,000 $ 185,000 $ 119,000
Kauai, Hawaii 1 $ 615,000 $ 615,000 $ 230,000
Bonner, Idaho 1 $ 485,000 $ 485,000 $ 350,000
Monroe, Illinois 1 $ 465,000 $ 465,000 $ 0
Harrison, Indiana 1 $ 345,000 $ 345,000 $ 120,000
Hendricks, Indiana 1 $ 115,000 $ 115,000 $ 0
Dickinson, Iowa 1 $ 325,000 $ 325,000 $ 139,000
Osage, Kansas 1 $ 55,000 $ 55,000 $ 58,000
Pottawatomie, Kansas 1 $ 315,000 $ 315,000 $ 225,000
Sedgwick, Kansas 1 $ 295,000 $ 295,000 $ 86,000
Shawnee, Kansas 1 $ 125,000 $ 125,000 $ 81,000
Harlan, Kentucky 1 $ 195,000 $ 195,000 $ 300,000
Howard, Maryland 1 $ 365,000 $ 365,000 $ 180,000
Middlesex, Massachusetts 1 $ 475,000 $ 475,000 $ 0
Calhoun, Michigan 1 $ 75,000 $ 75,000 $ 89,000
Gogebic, Michigan 1 $ 605,000 $ 605,000 $ 960,000
Oakland, Michigan 1 $ 185,000 $ 185,000 $ 115,000
Dakota, Minnesota 1 $ 285,000 $ 285,000 $ 200,000
Rice, Minnesota 1 $ 155,000 $ 155,000 $ 310,000
Hinds, Mississippi 1 $ 105,000 $ 105,000 $ 79,000
Jackson, Mississippi 1 $ 195,000 $ 195,000 $ 0
Audrain, Missouri 1 $ 105,000 $ 105,000 $ 37,000
Cole, Missouri 1 $ 235,000 $ 235,000 $ 235,000
Douglas, Missouri 1 $ 75,000 $ 75,000 $ 37,000
Franklin, Missouri 1 $ 175,000 $ 175,000 $ 83,000
Howell, Missouri 1 $ 265,000 $ 265,000 $ 95,000
Marion, Missouri 1 $ 255,000 $ 255,000 $ 164,000
Mercer, Missouri 1 $ 35,000 $ 35,000 $ 63,000
Pettis, Missouri 1 $ 875,000 $ 875,000 $ 0
Pulaski, Missouri 1 $ 55,000 $ 55,000 $ 0
Shannon, Missouri 1 $ 175,000 $ 175,000 $ 35,000
Broadwater, Montana 1 $ 355,000 $ 355,000 $ 83,000
Sarpy, Nebraska 1 $ 185,000 $ 185,000 $ 42,000
Washoe, Nevada 1 $ 305,000 $ 305,000 $ 72,000
Merrimack, New Hampshire 1 $ 435,000 $ 435,000 $ 0
Bergen, New Jersey 1 $ 1,505,000 $ 1,505,000 $ 667,000
Cape May, New Jersey 1 $ 365,000 $ 365,000 $ 375,000
Albany, New York 1 $ 175,000 $ 175,000 $ 75,000
Delaware, New York 1 $ 385,000 $ 385,000 $ 0
Caldwell, North Carolina 1 $ 835,000 $ 835,000 $ 285,000
Cumberland, North Carolina 1 $ 215,000 $ 215,000 $ 0
Forsyth, North Carolina 1 $ 165,000 $ 165,000 $ 118,000
Wake, North Carolina 1 $ 405,000 $ 405,000 $ 184,000
Delaware, Oklahoma 1 $ 225,000 $ 225,000 $ 137,000
Oklahoma, Oklahoma 1 $ 185,000 $ 185,000 $ 96,000
Tulsa, Oklahoma 1 $ 105,000 $ 105,000 $ 53,000
Lexington, South Carolina 1 $ 255,000 $ 255,000 $ 67,000
Sumter, South Carolina 1 $ 165,000 $ 165,000 $ 48,000
Carroll, Tennessee 1 $ 145,000 $ 145,000 $ 58,000
Davidson, Tennessee 1 $ 345,000 $ 345,000 $ 145,000
Shelby, Tennessee 1 $ 215,000 $ 215,000 $ 108,000
Collin, Texas 1 $ 615,000 $ 615,000 $ 0
Denton, Texas 1 $ 245,000 $ 245,000 $ 131,000
Ellis, Texas 1 $ 205,000 $ 205,000 $ 94,000
Fort Bend, Texas 1 $ 515,000 $ 515,000 $ 0
Rockwall, Texas 1 $ 285,000 $ 285,000 $ 0
Travis, Texas 1 $ 155,000 $ 155,000 $ 91,000
Salt Lake, Utah 1 $ 355,000 $ 355,000 $ 92,000
Arlington, Virginia 1 $ 835,000 $ 835,000 $ 625,000
Chesterfield, Virginia 1 $ 515,000 $ 515,000 $ 0
Falls Church, Virginia 1 $ 955,000 $ 955,000 $ 402,000
Powhatan, Virginia 1 $ 565,000 $ 565,000 $ 0
Spotsylvania, Virginia 1 $ 325,000 $ 325,000 $ 135,000
Virginia Beach, Virginia 1 $ 385,000 $ 385,000 $ 86,000
Clark, Washington 1 $ 415,000 $ 415,000 $ 115,000
King, Washington 1 $ 285,000 $ 285,000 $ 213,000
Kitsap, Washington 1 $ 485,000 $ 485,000 $ 0
Snohomish, Washington 1 $ 305,000 $ 305,000 $ 0
Spokane, Washington 1 $ 275,000 $ 275,000 $ 106,000
Outagamie, Wisconsin 1 $ 135,000 $ 135,000 $ 80,000
Walworth, Wisconsin 1 $ 445,000 $ 445,000 $ 737,000

Mortgage Loan Application Detail Totals for Oakstar Bank in 2019

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 1,266 $301,920,000 $238,000 $22,285,000 $114,000 $4,489,000
Refinancing 576 $159,560,000 $277,000 $4,975,000 $142,000 $2,298,000
Cash-out Refinancing 232 $51,420,000 $221,000 $1,135,000 $120,000 $1,050,000
Other Purpose 25 $1,335,000 $53,000 $265,000 $62,000 $261,000
Home Improvement 24 $1,140,000 $47,000 $115,000 $67,000 $181,000
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 1,872 $393,070,000 $209,000 $2,805,000 $118,000 $4,489,000
Not applicable 105 $84,395,000 $803,000 $22,285,000 $0 $0
Hispanic 41 $9,875,000 $240,000 $705,000 $78,000 $240,000
Not Provided 36 $8,470,000 $235,000 $505,000 $209,000 $2,298,000
Black or African American 31 $9,595,000 $309,000 $1,045,000 $175,000 $1,050,000
Asian 30 $8,510,000 $283,000 $855,000 $98,000 $209,000
American Indian or Alaskan Native 5 $855,000 $171,000 $265,000 $77,000 $112,000
Native Hawaiian or Other Pacific Islander 2 $490,000 $245,000 $365,000 $66,000 $104,000

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) 1,687 $399,825,000 $237,000 $22,285,000 $128,000 $4,489,000
VA-guaranteed (Veterans Administration) 243 $84,255,000 $346,000 $1,505,000 $103,000 $960,000
FHA-insured (Federal Housing Administration) 145 $24,825,000 $171,000 $465,000 $71,000 $333,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 48 $6,470,000 $134,000 $225,000 $49,000 $85,000

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 1,691 $420,015,000 $248,000 $22,285,000 $116,000 $2,298,000
Application Withdrawn By Applicant 273 $69,645,000 $255,000 $2,805,000 $160,000 $4,489,000
Application Denied By Financial Institution 127 $18,215,000 $143,000 $1,135,000 $71,000 $1,036,000
Application Approved But Not Accepted 31 $7,355,000 $237,000 $1,045,000 $141,000 $1,050,000
File Closed For Incompleteness 1 $145,000 $145,000 $145,000 $79,000 $79,000
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 1,996 $497,160,000 $249,000 $22,285,000 $123,000 $4,489,000
Credit History 56 $4,690,000 $83,000 $465,000 $52,000 $254,000
Debt-To-Income Ratio 40 $7,460,000 $186,000 $1,135,000 $75,000 $1,036,000
Collateral 11 $965,000 $87,000 $185,000 $72,000 $293,000
Credit Application Incomplete 9 $2,275,000 $252,000 $835,000 $146,000 $625,000
Other 6 $1,930,000 $321,000 $625,000 $79,000 $110,000
Unverifiable Information 3 $455,000 $151,000 $225,000 $111,000 $196,000
Employment History 2 $440,000 $220,000 $325,000 $149,000 $149,000
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 2019 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.

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