Oakstar Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2021
Oakstar Bank 2021 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 | 2,373 |
| Total Mortgage Loan Application Amount | $702,385,000 |
| Average Mortgage Loan Application Amount | $277,000 |
| Highest Mortgage Loan Application Amount | $25,975,000 |
| Average Applicant Income | $113,000 |
| Highest Applicant Income | $951,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2021 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 2021 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 2021.
| 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 | 673 | $ 166,835,000 | $ 247,000 | $ 111,000 |
| Christian County Missouri | 259 | $ 77,705,000 | $ 300,000 | $ 111,000 |
| Johnson County Kansas | 241 | $ 102,805,000 | $ 426,000 | $ 142,000 |
| Jackson County Missouri | 160 | $ 61,390,000 | $ 383,000 | $ 144,000 |
| Polk County Missouri | 154 | $ 29,830,000 | $ 193,000 | $ 92,000 |
| Dallas County Missouri | 79 | $ 10,525,000 | $ 133,000 | $ 85,000 |
| Henry County Missouri | 78 | $ 12,030,000 | $ 154,000 | $ 81,000 |
| Clay County Missouri | 64 | $ 22,510,000 | $ 351,000 | $ 127,000 |
| Camden County Missouri | 61 | $ 11,785,000 | $ 193,000 | $ 87,000 |
| Hickory County Missouri | 61 | $ 7,475,000 | $ 122,000 | $ 77,000 |
| Stone County Missouri | 48 | $ 16,350,000 | $ 340,000 | $ 228,000 |
| Jasper County Missouri | 39 | $ 14,175,000 | $ 363,000 | $ 72,000 |
| Webster County Missouri | 32 | $ 7,190,000 | $ 224,000 | $ 106,000 |
| Wyandotte County Kansas | 25 | $ 3,545,000 | $ 141,000 | $ 155,000 |
| Platte County Missouri | 24 | $ 6,820,000 | $ 284,000 | $ 154,000 |
| Taney County Missouri | 24 | $ 6,880,000 | $ 286,000 | $ 110,000 |
| Barry County Missouri | 21 | $ 3,255,000 | $ 155,000 | $ 86,000 |
| Cass County Missouri | 16 | $ 4,240,000 | $ 265,000 | $ 152,000 |
| Boone County Missouri | 14 | $ 11,640,000 | $ 831,000 | $ 601,000 |
| Lawrence County Missouri | 14 | $ 3,360,000 | $ 240,000 | $ 88,000 |
| Cedar County Missouri | 11 | $ 3,485,000 | $ 316,000 | $ 85,000 |
| Miami County Kansas | 10 | $ 2,630,000 | $ 263,000 | $ 103,000 |
| Morgan County Missouri | 10 | $ 2,130,000 | $ 213,000 | $ 103,000 |
| Benton County Missouri | 9 | $ 1,145,000 | $ 127,000 | $ 83,000 |
| Newton County Missouri | 9 | $ 2,845,000 | $ 316,000 | $ 104,000 |
| St. Clair County Missouri | 9 | $ 1,945,000 | $ 216,000 | $ 143,000 |
| Maricopa County Arizona | 8 | $ 2,820,000 | $ 352,000 | $ 142,000 |
| Benton County Arkansas | 8 | $ 27,990,000 | $ 3,498,000 | $ 133,000 |
| St. Louis County Missouri | 8 | $ 2,700,000 | $ 337,000 | $ 181,000 |
| Laclede County Missouri | 7 | $ 1,345,000 | $ 192,000 | $ 89,000 |
| Broward County Florida | 5 | $ 2,585,000 | $ 517,000 | $ 337,000 |
| Leavenworth County Kansas | 5 | $ 1,045,000 | $ 209,000 | $ 69,000 |
| Ottawa County Oklahoma | 5 | $ 2,885,000 | $ 577,000 | $ 198,000 |
| Orange County California | 4 | $ 3,290,000 | $ 822,000 | $ 295,000 |
| El Paso County Colorado | 4 | $ 2,170,000 | $ 542,000 | $ 203,000 |
| Crawford County Kansas | 4 | $ 2,160,000 | $ 540,000 | $ 111,000 |
| Bates County Missouri | 4 | $ 1,000,000 | $ 250,000 | $ 73,000 |
| Douglas County Colorado | 3 | $ 1,365,000 | $ 455,000 | $ 105,000 |
| Lee County Florida | 3 | $ 1,335,000 | $ 445,000 | $ 98,000 |
| Pinellas County Florida | 3 | $ 1,335,000 | $ 445,000 | $ 150,000 |
| Sarasota County Florida | 3 | $ 1,865,000 | $ 621,000 | $ 230,000 |
| Walton County Florida | 3 | $ 1,855,000 | $ 618,000 | $ 331,000 |
| Cherokee County Kansas | 3 | $ 195,000 | $ 65,000 | $ 40,000 |
| Pulaski County Missouri | 3 | $ 705,000 | $ 235,000 | $ 0 |
| Vernon County Missouri | 3 | $ 175,000 | $ 58,000 | $ 38,000 |
| Wright County Missouri | 3 | $ 975,000 | $ 325,000 | $ 83,000 |
| Douglas County Nebraska | 3 | $ 835,000 | $ 278,000 | $ 147,000 |
| Delaware County Oklahoma | 3 | $ 1,035,000 | $ 345,000 | $ 181,000 |
| Shelby County Tennessee | 3 | $ 595,000 | $ 198,000 | $ 169,000 |
| Williamson County Tennessee | 3 | $ 1,085,000 | $ 361,000 | $ 98,000 |
| Dallas County Texas | 3 | $ 1,165,000 | $ 388,000 | $ 129,000 |
| Mobile County Alabama | 2 | $ 890,000 | $ 445,000 | $ 261,000 |
| Yavapai County Arizona | 2 | $ 520,000 | $ 260,000 | $ 163,000 |
| Washington County Arkansas | 2 | $ 510,000 | $ 255,000 | $ 100,000 |
| Delta County Colorado | 2 | $ 530,000 | $ 265,000 | $ 117,000 |
| Mesa County Colorado | 2 | $ 440,000 | $ 220,000 | $ 0 |
| Fairfield County Connecticut | 2 | $ 450,000 | $ 225,000 | $ 408,000 |
| Collier County Florida | 2 | $ 630,000 | $ 315,000 | $ 171,000 |
| Manatee County Florida | 2 | $ 4,500,000 | $ 2,250,000 | $ 0 |
| Hamilton County Indiana | 2 | $ 660,000 | $ 330,000 | $ 127,000 |
| Johnson County Indiana | 2 | $ 500,000 | $ 250,000 | $ 141,000 |
| Warrick County Indiana | 2 | $ 500,000 | $ 250,000 | $ 97,000 |
| Dakota County Minnesota | 2 | $ 900,000 | $ 450,000 | $ 147,000 |
| Clinton County Missouri | 2 | $ 520,000 | $ 260,000 | $ 71,000 |
| Johnson County Missouri | 2 | $ 430,000 | $ 215,000 | $ 60,000 |
| Miller County Missouri | 2 | $ 710,000 | $ 355,000 | $ 94,000 |
| Clark County Nevada | 2 | $ 720,000 | $ 360,000 | $ 142,000 |
| Middlesex County New Jersey | 2 | $ 930,000 | $ 465,000 | $ 231,000 |
| Dare County North Carolina | 2 | $ 750,000 | $ 375,000 | $ 101,000 |
| Johnston County North Carolina | 2 | $ 150,000 | $ 75,000 | $ 31,000 |
| Tulsa County Oklahoma | 2 | $ 320,000 | $ 160,000 | $ 93,000 |
| Davidson County Tennessee | 2 | $ 880,000 | $ 440,000 | $ 180,000 |
| Madison County Alabama | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Fairbanks North Star County Alaska | 1 | $ 655,000 | $ 655,000 | $ 0 |
| Pima County Arizona | 1 | $ 545,000 | $ 545,000 | $ 145,000 |
| Baxter County Arkansas | 1 | $ 165,000 | $ 165,000 | $ 70,000 |
| Craighead County Arkansas | 1 | $ 165,000 | $ 165,000 | $ 87,000 |
| Pulaski County Arkansas | 1 | $ 865,000 | $ 865,000 | $ 0 |
| Los Angeles County California | 1 | $ 525,000 | $ 525,000 | $ 512,000 |
| Riverside County California | 1 | $ 505,000 | $ 505,000 | $ 91,000 |
| San Bernardino County California | 1 | $ 145,000 | $ 145,000 | $ 51,000 |
| San Diego County California | 1 | $ 405,000 | $ 405,000 | $ 91,000 |
| Arapahoe County Colorado | 1 | $ 305,000 | $ 305,000 | $ 78,000 |
| Boulder County Colorado | 1 | $ 385,000 | $ 385,000 | $ 136,000 |
| Denver County Colorado | 1 | $ 375,000 | $ 375,000 | $ 182,000 |
| Jefferson County Colorado | 1 | $ 455,000 | $ 455,000 | $ 117,000 |
| Larimer County Colorado | 1 | $ 395,000 | $ 395,000 | $ 90,000 |
| Weld County Colorado | 1 | $ 205,000 | $ 205,000 | $ 139,000 |
| New Haven County Connecticut | 1 | $ 295,000 | $ 295,000 | $ 350,000 |
| Bay County Florida | 1 | $ 325,000 | $ 325,000 | $ 163,000 |
| Brevard County Florida | 1 | $ 495,000 | $ 495,000 | $ 147,000 |
| Escambia County Florida | 1 | $ 165,000 | $ 165,000 | $ 100,000 |
| Hillsborough County Florida | 1 | $ 275,000 | $ 275,000 | $ 50,000 |
| Marion County Florida | 1 | $ 105,000 | $ 105,000 | $ 48,000 |
| Miami-Dade County Florida | 1 | $ 1,265,000 | $ 1,265,000 | $ 0 |
| Sumter County Florida | 1 | $ 145,000 | $ 145,000 | $ 196,000 |
| Cherokee County Georgia | 1 | $ 405,000 | $ 405,000 | $ 132,000 |
| Fannin County Georgia | 1 | $ 445,000 | $ 445,000 | $ 354,000 |
| Fulton County Georgia | 1 | $ 145,000 | $ 145,000 | $ 82,000 |
| Cook County Illinois | 1 | $ 905,000 | $ 905,000 | $ 951,000 |
| DuPage County Illinois | 1 | $ 195,000 | $ 195,000 | $ 125,000 |
| Henry County Iowa | 1 | $ 215,000 | $ 215,000 | $ 134,000 |
| Bourbon County Kansas | 1 | $ 105,000 | $ 105,000 | $ 56,000 |
| Douglas County Kansas | 1 | $ 295,000 | $ 295,000 | $ 182,000 |
| Linn County Kansas | 1 | $ 285,000 | $ 285,000 | $ 89,000 |
| Osage County Kansas | 1 | $ 65,000 | $ 65,000 | $ 82,000 |
| Jefferson County Kentucky | 1 | $ 355,000 | $ 355,000 | $ 175,000 |
| Baltimore County Maryland | 1 | $ 215,000 | $ 215,000 | $ 167,000 |
| Howard County Maryland | 1 | $ 355,000 | $ 355,000 | $ 182,000 |
| Norfolk County Massachusetts | 1 | $ 415,000 | $ 415,000 | $ 175,000 |
| Plymouth County Massachusetts | 1 | $ 255,000 | $ 255,000 | $ 309,000 |
| Montcalm County Michigan | 1 | $ 205,000 | $ 205,000 | $ 51,000 |
| Audrain County Missouri | 1 | $ 125,000 | $ 125,000 | $ 239,000 |
| Dade County Missouri | 1 | $ 125,000 | $ 125,000 | $ 33,000 |
| DeKalb County Missouri | 1 | $ 315,000 | $ 315,000 | $ 105,000 |
| Franklin County Missouri | 1 | $ 295,000 | $ 295,000 | $ 115,000 |
| Howell County Missouri | 1 | $ 325,000 | $ 325,000 | $ 147,000 |
| Jefferson County Missouri | 1 | $ 305,000 | $ 305,000 | $ 660,000 |
| Lafayette County Missouri | 1 | $ 225,000 | $ 225,000 | $ 75,000 |
| Ozark County Missouri | 1 | $ 95,000 | $ 95,000 | $ 79,000 |
| Ripley County Missouri | 1 | $ 305,000 | $ 305,000 | $ 264,000 |
| St. Charles County Missouri | 1 | $ 75,000 | $ 75,000 | $ 24,000 |
| St. Louis City County Missouri | 1 | $ 255,000 | $ 255,000 | $ 114,000 |
| Sullivan County Missouri | 1 | $ 305,000 | $ 305,000 | $ 96,000 |
| Texas County Missouri | 1 | $ 125,000 | $ 125,000 | $ 54,000 |
| Wayne County Missouri | 1 | $ 175,000 | $ 175,000 | $ 44,000 |
| Broadwater County Montana | 1 | $ 355,000 | $ 355,000 | $ 82,000 |
| Sarpy County Nebraska | 1 | $ 205,000 | $ 205,000 | $ 149,000 |
| Morris County New Jersey | 1 | $ 535,000 | $ 535,000 | $ 135,000 |
| Bernalillo County New Mexico | 1 | $ 395,000 | $ 395,000 | $ 242,000 |
| Colfax County New Mexico | 1 | $ 75,000 | $ 75,000 | $ 156,000 |
| Santa Fe County New Mexico | 1 | $ 275,000 | $ 275,000 | $ 70,000 |
| Rutherford County North Carolina | 1 | $ 355,000 | $ 355,000 | $ 192,000 |
| Wake County North Carolina | 1 | $ 385,000 | $ 385,000 | $ 193,000 |
| Cuyahoga County Ohio | 1 | $ 95,000 | $ 95,000 | $ 53,000 |
| Union County Ohio | 1 | $ 185,000 | $ 185,000 | $ 191,000 |
| McIntosh County Oklahoma | 1 | $ 545,000 | $ 545,000 | $ 267,000 |
| Clackamas County Oregon | 1 | $ 1,445,000 | $ 1,445,000 | $ 430,000 |
| Multnomah County Oregon | 1 | $ 205,000 | $ 205,000 | $ 99,000 |
| York County Pennsylvania | 1 | $ 155,000 | $ 155,000 | $ 113,000 |
| Greenville County South Carolina | 1 | $ 305,000 | $ 305,000 | $ 65,000 |
| Richland County South Carolina | 1 | $ 265,000 | $ 265,000 | $ 76,000 |
| Lewis County Tennessee | 1 | $ 75,000 | $ 75,000 | $ 62,000 |
| Lincoln County Tennessee | 1 | $ 175,000 | $ 175,000 | $ 66,000 |
| Collin County Texas | 1 | $ 545,000 | $ 545,000 | $ 175,000 |
| Denton County Texas | 1 | $ 235,000 | $ 235,000 | $ 248,000 |
| Rockwall County Texas | 1 | $ 355,000 | $ 355,000 | $ 359,000 |
| Tarrant County Texas | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Travis County Texas | 1 | $ 255,000 | $ 255,000 | $ 149,000 |
| Summit County Utah | 1 | $ 265,000 | $ 265,000 | $ 78,000 |
| Washington County Utah | 1 | $ 545,000 | $ 545,000 | $ 215,000 |
| King County Washington | 1 | $ 455,000 | $ 455,000 | $ 0 |
| Milwaukee County Wisconsin | 1 | $ 285,000 | $ 285,000 | $ 103,000 |
| Walworth County Wisconsin | 1 | $ 435,000 | $ 435,000 | $ 340,000 |
Mortgage Loan Application Detail Totals for Oakstar Bank in 2021
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 | 1,055 | $391,335,000 | $370,000 | $25,975,000 | $120,000 | $934,000 |
| Refinancing | 925 | $225,145,000 | $243,000 | $3,055,000 | $125,000 | $951,000 |
| Cash-out Refinancing | 347 | $74,185,000 | $213,000 | $905,000 | $104,000 | $600,000 |
| Other Purpose | 31 | $6,435,000 | $207,000 | $545,000 | $149,000 | $595,000 |
| Home Improvement | 15 | $5,285,000 | $352,000 | $1,135,000 | $67,000 | $153,000 |
| 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 | 1,953 | $452,425,000 | $231,000 | $2,075,000 | $116,000 | $951,000 |
| Not applicable | 218 | $198,180,000 | $909,000 | $25,975,000 | $0 | $0 |
| Not Provided | 76 | $22,300,000 | $293,000 | $945,000 | $155,000 | $488,000 |
| Hispanic | 49 | $10,855,000 | $221,000 | $545,000 | $89,000 | $248,000 |
| Asian | 35 | $10,185,000 | $291,000 | $855,000 | $186,000 | $619,000 |
| Black or African American | 28 | $5,250,000 | $187,000 | $545,000 | $219,000 | $765,000 |
| American Indian or Alaskan Native | 8 | $1,830,000 | $228,000 | $925,000 | $104,000 | $300,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
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) | 2,254 | $676,580,000 | $300,000 | $25,975,000 | $122,000 | $951,000 |
| VA-guaranteed (Veterans Administration) | 58 | $15,670,000 | $270,000 | $675,000 | $98,000 | $528,000 |
| FHA-insured (Federal Housing Administration) | 31 | $5,875,000 | $189,000 | $365,000 | $64,000 | $145,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 30 | $4,260,000 | $142,000 | $275,000 | $48,000 | $82,000 |
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 | 2,005 | $581,635,000 | $290,000 | $25,975,000 | $120,000 | $951,000 |
| Application Withdrawn By Applicant | 295 | $82,425,000 | $279,000 | $3,305,000 | $126,000 | $934,000 |
| Application Denied By Financial Institution | 66 | $11,960,000 | $181,000 | $855,000 | $75,000 | $359,000 |
| Application Approved But Not Accepted | 7 | $26,365,000 | $3,766,000 | $15,005,000 | $72,000 | $127,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 2,307 | $690,425,000 | $299,000 | $25,975,000 | $121,000 | $951,000 |
| Debt-To-Income Ratio | 20 | $4,670,000 | $233,000 | $855,000 | $77,000 | $359,000 |
| Credit History | 19 | $2,305,000 | $121,000 | $215,000 | $68,000 | $202,000 |
| Other | 12 | $2,030,000 | $169,000 | $385,000 | $89,000 | $271,000 |
| Collateral | 9 | $1,745,000 | $193,000 | $445,000 | $75,000 | $199,000 |
| Employment History | 3 | $745,000 | $248,000 | $365,000 | $55,000 | $80,000 |
| Unverifiable Information | 2 | $380,000 | $190,000 | $205,000 | $61,000 | $93,000 |
| Credit Application Incomplete | 1 | $85,000 | $85,000 | $85,000 | $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 2021 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.