Oakstar Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2020
Oakstar Bank 2020 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 | 3,076 |
| Total Mortgage Loan Application Amount | $793,720,000 |
| Average Mortgage Loan Application Amount | $214,400 |
| Highest Mortgage Loan Application Amount | $19,625,000 |
| Average Applicant Income | $103,000 |
| Highest Applicant Income | $2,007,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2020 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 2020 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 2020.
| 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 | 993 | $ 267,955,000 | $ 269,000 | $ 105,000 |
| Johnson County Kansas | 370 | $ 106,030,000 | $ 286,000 | $ 143,000 |
| Christian County Missouri | 370 | $ 88,460,000 | $ 239,000 | $ 122,000 |
| Jackson County Missouri | 201 | $ 52,825,000 | $ 262,000 | $ 130,000 |
| Polk County Missouri | 183 | $ 29,305,000 | $ 160,000 | $ 77,000 |
| Dallas County Missouri | 80 | $ 9,850,000 | $ 123,000 | $ 85,000 |
| Camden County Missouri | 70 | $ 15,090,000 | $ 215,000 | $ 89,000 |
| Hickory County Missouri | 69 | $ 8,035,000 | $ 116,000 | $ 74,000 |
| Clay County Missouri | 64 | $ 16,040,000 | $ 250,000 | $ 108,000 |
| Henry County Missouri | 51 | $ 8,735,000 | $ 171,000 | $ 95,000 |
| Stone County Missouri | 51 | $ 15,505,000 | $ 304,000 | $ 161,000 |
| Jasper County Missouri | 48 | $ 21,410,000 | $ 446,000 | $ 108,000 |
| Webster County Missouri | 36 | $ 6,780,000 | $ 188,000 | $ 123,000 |
| Lawrence County Missouri | 28 | $ 4,670,000 | $ 166,000 | $ 76,000 |
| Cass County Missouri | 26 | $ 5,990,000 | $ 230,000 | $ 101,000 |
| Platte County Missouri | 26 | $ 7,520,000 | $ 289,000 | $ 133,000 |
| Taney County Missouri | 22 | $ 8,830,000 | $ 401,000 | $ 142,000 |
| Barry County Missouri | 17 | $ 2,825,000 | $ 166,000 | $ 116,000 |
| Boone County Missouri | 16 | $ 14,630,000 | $ 914,000 | $ 221,000 |
| Wyandotte County Kansas | 14 | $ 3,530,000 | $ 252,000 | $ 123,000 |
| Newton County Missouri | 11 | $ 3,885,000 | $ 353,000 | $ 102,000 |
| Maricopa County Arizona | 10 | $ 3,400,000 | $ 340,000 | $ 178,000 |
| Leavenworth County Kansas | 10 | $ 2,420,000 | $ 242,000 | $ 98,000 |
| Benton County Arkansas | 8 | $ 1,880,000 | $ 235,000 | $ 108,000 |
| Benton County Missouri | 8 | $ 1,570,000 | $ 196,000 | $ 96,000 |
| Laclede County Missouri | 8 | $ 980,000 | $ 122,000 | $ 102,000 |
| Broward County Florida | 6 | $ 2,090,000 | $ 348,000 | $ 168,000 |
| Lee County Florida | 6 | $ 4,810,000 | $ 801,000 | $ 236,000 |
| Douglas County Kansas | 6 | $ 1,580,000 | $ 263,000 | $ 129,000 |
| Miller County Missouri | 6 | $ 1,100,000 | $ 183,000 | $ 64,000 |
| St. Clair County Missouri | 6 | $ 1,270,000 | $ 211,000 | $ 75,000 |
| St. Louis County Missouri | 6 | $ 1,680,000 | $ 280,000 | $ 101,000 |
| Cedar County Missouri | 5 | $ 595,000 | $ 119,000 | $ 80,000 |
| Morgan County Missouri | 5 | $ 695,000 | $ 139,000 | $ 140,000 |
| Riverside County California | 4 | $ 1,990,000 | $ 497,000 | $ 114,000 |
| Sedgwick County Kansas | 4 | $ 760,000 | $ 190,000 | $ 89,000 |
| Ozark County Missouri | 4 | $ 600,000 | $ 150,000 | $ 106,000 |
| Phelps County Missouri | 4 | $ 440,000 | $ 110,000 | $ 57,000 |
| Wright County Missouri | 4 | $ 580,000 | $ 145,000 | $ 58,000 |
| Wake County North Carolina | 4 | $ 1,360,000 | $ 340,000 | $ 136,000 |
| Denver County Colorado | 3 | $ 1,395,000 | $ 465,000 | $ 175,000 |
| Orange County Florida | 3 | $ 695,000 | $ 231,000 | $ 149,000 |
| Ada County Idaho | 3 | $ 1,025,000 | $ 341,000 | $ 284,000 |
| Polk County Iowa | 3 | $ 645,000 | $ 215,000 | $ 103,000 |
| Dickinson County Kansas | 3 | $ 625,000 | $ 208,000 | $ 98,000 |
| Buchanan County Missouri | 3 | $ 665,000 | $ 221,000 | $ 132,000 |
| Howell County Missouri | 3 | $ 525,000 | $ 175,000 | $ 68,000 |
| Douglas County Nebraska | 3 | $ 1,225,000 | $ 408,000 | $ 440,000 |
| Clark County Nevada | 3 | $ 1,315,000 | $ 438,000 | $ 110,000 |
| Chatham County North Carolina | 3 | $ 825,000 | $ 275,000 | $ 120,000 |
| Williamson County Tennessee | 3 | $ 1,435,000 | $ 478,000 | $ 285,000 |
| King County Washington | 3 | $ 1,115,000 | $ 371,000 | $ 272,000 |
| Yavapai County Arizona | 2 | $ 910,000 | $ 455,000 | $ 146,000 |
| Pulaski County Arkansas | 2 | $ 600,000 | $ 300,000 | $ 99,000 |
| El Paso County Colorado | 2 | $ 810,000 | $ 405,000 | $ 140,000 |
| Ouray County Colorado | 2 | $ 560,000 | $ 280,000 | $ 159,000 |
| Fairfield County Connecticut | 2 | $ 760,000 | $ 380,000 | $ 258,000 |
| Hartford County Connecticut | 2 | $ 580,000 | $ 290,000 | $ 211,000 |
| Palm Beach County Florida | 2 | $ 870,000 | $ 435,000 | $ 330,000 |
| Sarasota County Florida | 2 | $ 730,000 | $ 365,000 | $ 219,000 |
| Cobb County Georgia | 2 | $ 440,000 | $ 220,000 | $ 115,000 |
| Hamilton County Indiana | 2 | $ 550,000 | $ 275,000 | $ 159,000 |
| Dallas County Iowa | 2 | $ 480,000 | $ 240,000 | $ 526,000 |
| Franklin County Kansas | 2 | $ 570,000 | $ 285,000 | $ 25,000 |
| Miami County Kansas | 2 | $ 560,000 | $ 280,000 | $ 133,000 |
| Pottawatomie County Kansas | 2 | $ 740,000 | $ 370,000 | $ 319,000 |
| Norfolk County Massachusetts | 2 | $ 800,000 | $ 400,000 | $ 168,000 |
| Wayne County Michigan | 2 | $ 680,000 | $ 340,000 | $ 205,000 |
| Andrew County Missouri | 2 | $ 410,000 | $ 205,000 | $ 66,000 |
| Bates County Missouri | 2 | $ 400,000 | $ 200,000 | $ 77,000 |
| Dade County Missouri | 2 | $ 280,000 | $ 140,000 | $ 81,000 |
| Daviess County Missouri | 2 | $ 710,000 | $ 355,000 | $ 568,000 |
| Douglas County Missouri | 2 | $ 270,000 | $ 135,000 | $ 54,000 |
| Nodaway County Missouri | 2 | $ 310,000 | $ 155,000 | $ 90,000 |
| Pulaski County Missouri | 2 | $ 190,000 | $ 95,000 | $ 0 |
| St. Charles County Missouri | 2 | $ 370,000 | $ 185,000 | $ 76,000 |
| Vernon County Missouri | 2 | $ 230,000 | $ 115,000 | $ 107,000 |
| Allegheny County Pennsylvania | 2 | $ 490,000 | $ 245,000 | $ 86,000 |
| Knox County Tennessee | 2 | $ 490,000 | $ 245,000 | $ 140,000 |
| Sumner County Tennessee | 2 | $ 460,000 | $ 230,000 | $ 76,000 |
| Brazoria County Texas | 2 | $ 2,110,000 | $ 1,055,000 | $ 257,000 |
| Dallas County Texas | 2 | $ 500,000 | $ 250,000 | $ 95,000 |
| Grayson County Texas | 2 | $ 230,000 | $ 115,000 | $ 45,000 |
| Rockwall County Texas | 2 | $ 980,000 | $ 490,000 | $ 307,000 |
| Loudoun County Virginia | 2 | $ 720,000 | $ 360,000 | $ 141,000 |
| Mobile County Alabama | 1 | $ 385,000 | $ 385,000 | $ 125,000 |
| Ketchikan Gateway County Alaska | 1 | $ 355,000 | $ 355,000 | $ 143,000 |
| Carroll County Arkansas | 1 | $ 515,000 | $ 515,000 | $ 293,000 |
| Newton County Arkansas | 1 | $ 165,000 | $ 165,000 | $ 42,000 |
| Contra Costa County California | 1 | $ 605,000 | $ 605,000 | $ 0 |
| Fresno County California | 1 | $ 405,000 | $ 405,000 | $ 0 |
| Humboldt County California | 1 | $ 505,000 | $ 505,000 | $ 0 |
| Sacramento County California | 1 | $ 365,000 | $ 365,000 | $ 373,000 |
| San Diego County California | 1 | $ 735,000 | $ 735,000 | $ 0 |
| San Luis Obispo County California | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Santa Clara County California | 1 | $ 515,000 | $ 515,000 | $ 154,000 |
| Broomfield County Colorado | 1 | $ 465,000 | $ 465,000 | $ 88,000 |
| Jefferson County Colorado | 1 | $ 175,000 | $ 175,000 | $ 113,000 |
| San Miguel County Colorado | 1 | $ 495,000 | $ 495,000 | $ 281,000 |
| Weld County Colorado | 1 | $ 425,000 | $ 425,000 | $ 158,000 |
| Sussex County Delaware | 1 | $ 315,000 | $ 315,000 | $ 105,000 |
| Alachua County Florida | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Collier County Florida | 1 | $ 375,000 | $ 375,000 | $ 0 |
| Hillsborough County Florida | 1 | $ 275,000 | $ 275,000 | $ 91,000 |
| Manatee County Florida | 1 | $ 505,000 | $ 505,000 | $ 240,000 |
| Miami-Dade County Florida | 1 | $ 395,000 | $ 395,000 | $ 168,000 |
| Pinellas County Florida | 1 | $ 245,000 | $ 245,000 | $ 65,000 |
| Seminole County Florida | 1 | $ 265,000 | $ 265,000 | $ 110,000 |
| St. Johns County Florida | 1 | $ 285,000 | $ 285,000 | $ 88,000 |
| Sumter County Florida | 1 | $ 475,000 | $ 475,000 | $ 146,000 |
| Walton County Florida | 1 | $ 445,000 | $ 445,000 | $ 119,000 |
| Chatham County Georgia | 1 | $ 185,000 | $ 185,000 | $ 41,000 |
| Dawson County Georgia | 1 | $ 325,000 | $ 325,000 | $ 157,000 |
| Gilmer County Georgia | 1 | $ 265,000 | $ 265,000 | $ 140,000 |
| Henry County Georgia | 1 | $ 365,000 | $ 365,000 | $ 0 |
| Richmond County Georgia | 1 | $ 245,000 | $ 245,000 | $ 106,000 |
| Towns County Georgia | 1 | $ 145,000 | $ 145,000 | $ 106,000 |
| Bonner County Idaho | 1 | $ 475,000 | $ 475,000 | $ 350,000 |
| Idaho County Idaho | 1 | $ 235,000 | $ 235,000 | $ 0 |
| Kootenai County Idaho | 1 | $ 395,000 | $ 395,000 | $ 380,000 |
| Kankakee County Illinois | 1 | $ 135,000 | $ 135,000 | $ 56,000 |
| Lake County Illinois | 1 | $ 385,000 | $ 385,000 | $ 99,000 |
| McHenry County Illinois | 1 | $ 205,000 | $ 205,000 | $ 226,000 |
| McLean County Illinois | 1 | $ 135,000 | $ 135,000 | $ 67,000 |
| St. Clair County Illinois | 1 | $ 315,000 | $ 315,000 | $ 231,000 |
| Dearborn County Indiana | 1 | $ 515,000 | $ 515,000 | $ 152,000 |
| Lake County Indiana | 1 | $ 75,000 | $ 75,000 | $ 360,000 |
| Scott County Iowa | 1 | $ 195,000 | $ 195,000 | $ 60,000 |
| Butler County Kansas | 1 | $ 135,000 | $ 135,000 | $ 140,000 |
| Cloud County Kansas | 1 | $ 255,000 | $ 255,000 | $ 375,000 |
| Cowley County Kansas | 1 | $ 165,000 | $ 165,000 | $ 96,000 |
| Osage County Kansas | 1 | $ 255,000 | $ 255,000 | $ 859,000 |
| Riley County Kansas | 1 | $ 305,000 | $ 305,000 | $ 230,000 |
| Shawnee County Kansas | 1 | $ 255,000 | $ 255,000 | $ 110,000 |
| Daviess County Kentucky | 1 | $ 375,000 | $ 375,000 | $ 130,000 |
| Ascension County Louisiana | 1 | $ 395,000 | $ 395,000 | $ 171,000 |
| Frederick County Maryland | 1 | $ 345,000 | $ 345,000 | $ 0 |
| Kalamazoo County Michigan | 1 | $ 105,000 | $ 105,000 | $ 105,000 |
| Dakota County Minnesota | 1 | $ 275,000 | $ 275,000 | $ 210,000 |
| Douglas County Minnesota | 1 | $ 415,000 | $ 415,000 | $ 293,000 |
| Hennepin County Minnesota | 1 | $ 155,000 | $ 155,000 | $ 122,000 |
| Crawford County Missouri | 1 | $ 45,000 | $ 45,000 | $ 48,000 |
| Franklin County Missouri | 1 | $ 175,000 | $ 175,000 | $ 66,000 |
| Johnson County Missouri | 1 | $ 275,000 | $ 275,000 | $ 42,000 |
| Lafayette County Missouri | 1 | $ 195,000 | $ 195,000 | $ 206,000 |
| Marion County Missouri | 1 | $ 265,000 | $ 265,000 | $ 174,000 |
| McDonald County Missouri | 1 | $ 235,000 | $ 235,000 | $ 52,000 |
| St. Louis City County Missouri | 1 | $ 175,000 | $ 175,000 | $ 90,000 |
| Texas County Missouri | 1 | $ 465,000 | $ 465,000 | $ 117,000 |
| Merrimack County New Hampshire | 1 | $ 435,000 | $ 435,000 | $ 0 |
| Middlesex County New Jersey | 1 | $ 305,000 | $ 305,000 | $ 65,000 |
| Dona Ana County New Mexico | 1 | $ 345,000 | $ 345,000 | $ 0 |
| Clinton County New York | 1 | $ 395,000 | $ 395,000 | $ 125,000 |
| Durham County North Carolina | 1 | $ 175,000 | $ 175,000 | $ 52,000 |
| Gaston County North Carolina | 1 | $ 215,000 | $ 215,000 | $ 93,000 |
| Hoke County North Carolina | 1 | $ 145,000 | $ 145,000 | $ 0 |
| New Hanover County North Carolina | 1 | $ 225,000 | $ 225,000 | $ 102,000 |
| Orange County North Carolina | 1 | $ 225,000 | $ 225,000 | $ 242,000 |
| Darke County Ohio | 1 | $ 85,000 | $ 85,000 | $ 50,000 |
| Miami County Ohio | 1 | $ 265,000 | $ 265,000 | $ 181,000 |
| Richland County Ohio | 1 | $ 165,000 | $ 165,000 | $ 193,000 |
| Delaware County Oklahoma | 1 | $ 205,000 | $ 205,000 | $ 120,000 |
| Oklahoma County Oklahoma | 1 | $ 405,000 | $ 405,000 | $ 271,000 |
| Deschutes County Oregon | 1 | $ 365,000 | $ 365,000 | $ 286,000 |
| Butler County Pennsylvania | 1 | $ 205,000 | $ 205,000 | $ 293,000 |
| Carbon County Pennsylvania | 1 | $ 275,000 | $ 275,000 | $ 0 |
| Lancaster County Pennsylvania | 1 | $ 405,000 | $ 405,000 | $ 77,000 |
| Beaufort County South Carolina | 1 | $ 515,000 | $ 515,000 | $ 276,000 |
| Jasper County South Carolina | 1 | $ 355,000 | $ 355,000 | $ 0 |
| Custer County South Dakota | 1 | $ 285,000 | $ 285,000 | $ 67,000 |
| Davidson County Tennessee | 1 | $ 345,000 | $ 345,000 | $ 145,000 |
| Lincoln County Tennessee | 1 | $ 165,000 | $ 165,000 | $ 72,000 |
| Shelby County Tennessee | 1 | $ 145,000 | $ 145,000 | $ 64,000 |
| Bexar County Texas | 1 | $ 375,000 | $ 375,000 | $ 228,000 |
| Collin County Texas | 1 | $ 215,000 | $ 215,000 | $ 175,000 |
| Comal County Texas | 1 | $ 335,000 | $ 335,000 | $ 201,000 |
| Denton County Texas | 1 | $ 445,000 | $ 445,000 | $ 240,000 |
| Fort Bend County Texas | 1 | $ 325,000 | $ 325,000 | $ 175,000 |
| Harris County Texas | 1 | $ 215,000 | $ 215,000 | $ 59,000 |
| Kaufman County Texas | 1 | $ 295,000 | $ 295,000 | $ 92,000 |
| Tarrant County Texas | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Victoria County Texas | 1 | $ 275,000 | $ 275,000 | $ 125,000 |
| Williamson County Texas | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Salt Lake County Utah | 1 | $ 205,000 | $ 205,000 | $ 26,000 |
| Wasatch County Utah | 1 | $ 355,000 | $ 355,000 | $ 97,000 |
| Washington County Utah | 1 | $ 375,000 | $ 375,000 | $ 116,000 |
| Chittenden County Vermont | 1 | $ 425,000 | $ 425,000 | $ 261,000 |
| Arlington County Virginia | 1 | $ 165,000 | $ 165,000 | $ 246,000 |
| Chesterfield County Virginia | 1 | $ 265,000 | $ 265,000 | $ 67,000 |
| Fairfax County Virginia | 1 | $ 1,195,000 | $ 1,195,000 | $ 0 |
| Prince George County Virginia | 1 | $ 205,000 | $ 205,000 | $ 87,000 |
| Virginia Beach County Virginia | 1 | $ 395,000 | $ 395,000 | $ 0 |
| Benton County Washington | 1 | $ 335,000 | $ 335,000 | $ 268,000 |
| Clark County Washington | 1 | $ 435,000 | $ 435,000 | $ 166,000 |
| Kitsap County Washington | 1 | $ 305,000 | $ 305,000 | $ 123,000 |
| Snohomish County Washington | 1 | $ 255,000 | $ 255,000 | $ 215,000 |
| Outagamie County Wisconsin | 1 | $ 145,000 | $ 145,000 | $ 66,000 |
| Waukesha County Wisconsin | 1 | $ 195,000 | $ 195,000 | $ 66,000 |
Mortgage Loan Application Detail Totals for Oakstar Bank in 2020
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 | 1,560 | $404,510,000 | $259,000 | $7,295,000 | $124,000 | $2,007,000 |
| Home Purchase | 1,232 | $324,660,000 | $263,000 | $19,625,000 | $104,000 | $665,000 |
| Cash-out Refinancing | 259 | $59,135,000 | $228,000 | $765,000 | $135,000 | $894,000 |
| Home Improvement | 19 | $5,085,000 | $267,000 | $805,000 | $91,000 | $195,000 |
| Other Purpose | 6 | $330,000 | $55,000 | $175,000 | $61,000 | $92,000 |
| 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 | 2,646 | $586,960,000 | $221,000 | $1,505,000 | $116,000 | $2,007,000 |
| Not applicable | 193 | $150,585,000 | $780,000 | $19,625,000 | $0 | $0 |
| Not Provided | 82 | $18,220,000 | $222,000 | $625,000 | $126,000 | $859,000 |
| Hispanic | 50 | $12,270,000 | $245,000 | $515,000 | $120,000 | $591,000 |
| Asian | 43 | $11,395,000 | $265,000 | $515,000 | $142,000 | $315,000 |
| Black or African American | 33 | $7,735,000 | $234,000 | $495,000 | $108,000 | $276,000 |
| American Indian or Alaskan Native | 12 | $2,620,000 | $218,000 | $825,000 | $154,000 | $1,007,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $185,000 | $185,000 | $185,000 | $175,000 | $175,000 |
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) | 2,834 | $742,370,000 | $261,000 | $19,625,000 | $120,000 | $2,007,000 |
| VA-guaranteed (Veterans Administration) | 115 | $30,735,000 | $267,000 | $1,195,000 | $88,000 | $354,000 |
| FHA-insured (Federal Housing Administration) | 76 | $13,490,000 | $177,000 | $335,000 | $66,000 | $177,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 51 | $7,125,000 | $139,000 | $255,000 | $46,000 | $84,000 |
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 | 2,470 | $663,750,000 | $268,000 | $19,625,000 | $115,000 | $1,373,000 |
| Application Withdrawn By Applicant | 458 | $100,950,000 | $220,000 | $905,000 | $140,000 | $2,007,000 |
| Application Denied By Financial Institution | 126 | $24,940,000 | $197,000 | $925,000 | $80,000 | $393,000 |
| Application Approved But Not Accepted | 21 | $3,905,000 | $185,000 | $405,000 | $69,000 | $137,000 |
| File Closed For Incompleteness | 1 | $175,000 | $175,000 | $175,000 | $51,000 | $51,000 |
| 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 | 2,950 | $768,780,000 | $260,000 | $19,625,000 | $119,000 | $2,007,000 |
| Debt-To-Income Ratio | 48 | $11,540,000 | $240,000 | $495,000 | $72,000 | $221,000 |
| Credit History | 38 | $5,540,000 | $145,000 | $925,000 | $59,000 | $150,000 |
| Collateral | 15 | $2,725,000 | $181,000 | $515,000 | $128,000 | $393,000 |
| Credit Application Incomplete | 8 | $1,810,000 | $226,000 | $395,000 | $128,000 | $193,000 |
| Other | 8 | $1,410,000 | $176,000 | $505,000 | $93,000 | $230,000 |
| Unverifiable Information | 5 | $1,565,000 | $313,000 | $445,000 | $101,000 | $206,000 |
| Employment History | 4 | $350,000 | $87,000 | $165,000 | $61,000 | $95,000 |
| 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 2020 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.