Oakstar Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2023
Oakstar Bank 2023 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 | 1,164 |
| Total Mortgage Loan Application Amount | $288,240,000 |
| Average Mortgage Loan Application Amount | $196,400 |
| Highest Mortgage Loan Application Amount | $6,805,000 |
| Average Applicant Income | $144,000 |
| Highest Applicant Income | $2,373,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2023 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 2023 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 2023.
| 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 | 209 | $ 50,555,000 | $ 241,000 | $ 156,000 |
| Mesa County Colorado | 144 | $ 26,410,000 | $ 183,000 | $ 146,000 |
| Christian County Missouri | 100 | $ 32,230,000 | $ 322,000 | $ 225,000 |
| Jackson County Missouri | 86 | $ 23,140,000 | $ 269,000 | $ 109,000 |
| Hickory County Missouri | 59 | $ 7,165,000 | $ 121,000 | $ 101,000 |
| Polk County Missouri | 59 | $ 10,465,000 | $ 177,000 | $ 111,000 |
| Johnson County Kansas | 55 | $ 29,135,000 | $ 529,000 | $ 316,000 |
| Henry County Missouri | 49 | $ 8,115,000 | $ 165,000 | $ 128,000 |
| Camden County Missouri | 46 | $ 7,050,000 | $ 153,000 | $ 105,000 |
| Dallas County Missouri | 38 | $ 4,780,000 | $ 125,000 | $ 84,000 |
| Jasper County Missouri | 35 | $ 5,295,000 | $ 151,000 | $ 170,000 |
| Franklin County Kansas | 31 | $ 3,885,000 | $ 125,000 | $ 116,000 |
| Stone County Missouri | 24 | $ 8,930,000 | $ 372,000 | $ 218,000 |
| Wright County Missouri | 19 | $ 2,785,000 | $ 146,000 | $ 93,000 |
| Clay County Missouri | 17 | $ 10,425,000 | $ 613,000 | $ 168,000 |
| Sedgwick County Kansas | 15 | $ 2,595,000 | $ 173,000 | $ 66,000 |
| Webster County Missouri | 14 | $ 3,240,000 | $ 231,000 | $ 136,000 |
| St. Clair County Missouri | 11 | $ 1,845,000 | $ 167,000 | $ 104,000 |
| Newton County Missouri | 10 | $ 1,290,000 | $ 129,000 | $ 117,000 |
| Lawrence County Missouri | 9 | $ 1,565,000 | $ 173,000 | $ 92,000 |
| Wyandotte County Kansas | 8 | $ 2,100,000 | $ 262,000 | $ 169,000 |
| Taney County Missouri | 8 | $ 3,070,000 | $ 383,000 | $ 305,000 |
| Cass County Missouri | 7 | $ 2,375,000 | $ 339,000 | $ 194,000 |
| Garfield County Colorado | 6 | $ 3,900,000 | $ 650,000 | $ 742,000 |
| Cedar County Missouri | 6 | $ 680,000 | $ 113,000 | $ 102,000 |
| Texas County Missouri | 6 | $ 980,000 | $ 163,000 | $ 82,000 |
| Leavenworth County Kansas | 5 | $ 1,755,000 | $ 351,000 | $ 228,000 |
| Barry County Missouri | 5 | $ 1,355,000 | $ 271,000 | $ 93,000 |
| Morgan County Missouri | 5 | $ 565,000 | $ 113,000 | $ 118,000 |
| Montrose County Colorado | 4 | $ 460,000 | $ 115,000 | $ 201,000 |
| Benton County Arkansas | 3 | $ 3,345,000 | $ 1,115,000 | $ 248,000 |
| Pinellas County Florida | 3 | $ 3,405,000 | $ 1,135,000 | $ 104,000 |
| Crawford County Kansas | 3 | $ 1,205,000 | $ 401,000 | $ 92,000 |
| Douglas County Kansas | 3 | $ 755,000 | $ 251,000 | $ 100,000 |
| Miami County Kansas | 3 | $ 525,000 | $ 175,000 | $ 90,000 |
| Arapahoe County Colorado | 2 | $ 230,000 | $ 115,000 | $ 226,000 |
| Butler County Kansas | 2 | $ 330,000 | $ 165,000 | $ 120,000 |
| Cherokee County Kansas | 2 | $ 330,000 | $ 165,000 | $ 65,000 |
| Bates County Missouri | 2 | $ 480,000 | $ 240,000 | $ 133,000 |
| Benton County Missouri | 2 | $ 510,000 | $ 255,000 | $ 131,000 |
| Laclede County Missouri | 2 | $ 1,460,000 | $ 730,000 | $ 235,000 |
| Miller County Missouri | 2 | $ 350,000 | $ 175,000 | $ 61,000 |
| Douglas County Nebraska | 2 | $ 1,180,000 | $ 590,000 | $ 212,000 |
| Pulaski County Arkansas | 1 | $ 905,000 | $ 905,000 | $ 393,000 |
| Washington County Arkansas | 1 | $ 295,000 | $ 295,000 | $ 0 |
| Adams County Colorado | 1 | $ 35,000 | $ 35,000 | $ 130,000 |
| Delta County Colorado | 1 | $ 55,000 | $ 55,000 | $ 79,000 |
| Denver County Colorado | 1 | $ 105,000 | $ 105,000 | $ 192,000 |
| Grand County Colorado | 1 | $ 505,000 | $ 505,000 | $ 349,000 |
| Pitkin County Colorado | 1 | $ 265,000 | $ 265,000 | $ 288,000 |
| Lee County Florida | 1 | $ 305,000 | $ 305,000 | $ 132,000 |
| Osceola County Florida | 1 | $ 515,000 | $ 515,000 | $ 159,000 |
| Volusia County Florida | 1 | $ 125,000 | $ 125,000 | $ 52,000 |
| Walton County Florida | 1 | $ 1,345,000 | $ 1,345,000 | $ 0 |
| Anderson County Kansas | 1 | $ 45,000 | $ 45,000 | $ 128,000 |
| Greenwood County Kansas | 1 | $ 45,000 | $ 45,000 | $ 18,000 |
| Montgomery County Kansas | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Shawnee County Kansas | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Midland County Michigan | 1 | $ 595,000 | $ 595,000 | $ 400,000 |
| Douglas County Minnesota | 1 | $ 725,000 | $ 725,000 | $ 435,000 |
| Barton County Missouri | 1 | $ 15,000 | $ 15,000 | $ 23,000 |
| Boone County Missouri | 1 | $ 235,000 | $ 235,000 | $ 305,000 |
| Franklin County Missouri | 1 | $ 2,655,000 | $ 2,655,000 | $ 0 |
| Howell County Missouri | 1 | $ 235,000 | $ 235,000 | $ 97,000 |
| Oregon County Missouri | 1 | $ 65,000 | $ 65,000 | $ 117,000 |
| Ozark County Missouri | 1 | $ 175,000 | $ 175,000 | $ 84,000 |
| Ray County Missouri | 1 | $ 135,000 | $ 135,000 | $ 52,000 |
| Saline County Missouri | 1 | $ 45,000 | $ 45,000 | $ 27,000 |
| St. Louis County Missouri | 1 | $ 245,000 | $ 245,000 | $ 124,000 |
| Lancaster County Nebraska | 1 | $ 535,000 | $ 535,000 | $ 191,000 |
| Sarpy County Nebraska | 1 | $ 445,000 | $ 445,000 | $ 145,000 |
| Hoke County North Carolina | 1 | $ 315,000 | $ 315,000 | $ 147,000 |
| Cuyahoga County Ohio | 1 | $ 175,000 | $ 175,000 | $ 83,000 |
| Cleveland County Oklahoma | 1 | $ 175,000 | $ 175,000 | $ 141,000 |
| Delaware County Oklahoma | 1 | $ 295,000 | $ 295,000 | $ 347,000 |
| Aiken County South Carolina | 1 | $ 285,000 | $ 285,000 | $ 92,000 |
| Brown County South Dakota | 1 | $ 305,000 | $ 305,000 | $ 358,000 |
| Loudon County Tennessee | 1 | $ 515,000 | $ 515,000 | $ 142,000 |
| Collin County Texas | 1 | $ 335,000 | $ 335,000 | $ 87,000 |
| Dallas County Texas | 1 | $ 635,000 | $ 635,000 | $ 0 |
| Harrison County Texas | 1 | $ 205,000 | $ 205,000 | $ 147,000 |
| Tarrant County Texas | 1 | $ 505,000 | $ 505,000 | $ 219,000 |
| Travis County Texas | 1 | $ 295,000 | $ 295,000 | $ 102,000 |
| Klickitat County Washington | 1 | $ 285,000 | $ 285,000 | $ 78,000 |
| Brooke County West Virginia | 1 | $ 145,000 | $ 145,000 | $ 80,000 |
| Waukesha County Wisconsin | 1 | $ 725,000 | $ 725,000 | $ 239,000 |
Mortgage Loan Application Detail Totals for Oakstar Bank in 2023
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 | 673 | $205,545,000 | $305,000 | $6,805,000 | $157,000 | $1,780,000 |
| Home Improvement | 175 | $22,175,000 | $126,000 | $3,525,000 | $139,000 | $895,000 |
| Refinancing | 154 | $38,470,000 | $249,000 | $2,755,000 | $174,000 | $2,373,000 |
| Other Purpose | 131 | $16,575,000 | $126,000 | $965,000 | $163,000 | $1,001,000 |
| Cash-out Refinancing | 31 | $5,475,000 | $176,000 | $365,000 | $87,000 | $396,000 |
| 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 | 916 | $200,320,000 | $218,000 | $2,755,000 | $154,000 | $2,373,000 |
| Not applicable | 130 | $58,800,000 | $452,000 | $6,805,000 | $0 | $0 |
| Black or African American | 39 | $8,095,000 | $207,000 | $665,000 | $88,000 | $630,000 |
| Not Provided | 31 | $7,615,000 | $245,000 | $1,755,000 | $164,000 | $551,000 |
| Hispanic | 28 | $7,410,000 | $264,000 | $1,335,000 | $179,000 | $1,230,000 |
| Asian | 9 | $3,155,000 | $350,000 | $705,000 | $248,000 | $747,000 |
| American Indian or Alaskan Native | 3 | $705,000 | $235,000 | $295,000 | $188,000 | $347,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $290,000 | $145,000 | $145,000 | $85,000 | $90,000 |
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) | 1,116 | $276,520,000 | $247,000 | $6,805,000 | $158,000 | $2,373,000 |
| FHA-insured (Federal Housing Administration) | 25 | $5,215,000 | $208,000 | $395,000 | $77,000 | $220,000 |
| VA-guaranteed (Veterans Administration) | 17 | $5,595,000 | $329,000 | $605,000 | $118,000 | $196,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 6 | $910,000 | $151,000 | $205,000 | $57,000 | $81,000 |
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 | 959 | $238,955,000 | $249,000 | $6,805,000 | $154,000 | $2,373,000 |
| Application Withdrawn By Applicant | 112 | $33,030,000 | $294,000 | $1,525,000 | $199,000 | $1,600,000 |
| Application Denied By Financial Institution | 65 | $10,395,000 | $159,000 | $2,655,000 | $93,000 | $550,000 |
| Application Approved But Not Accepted | 28 | $5,860,000 | $209,000 | $1,245,000 | $125,000 | $531,000 |
| 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 | 1,099 | $277,845,000 | $252,000 | $6,805,000 | $159,000 | $2,373,000 |
| Debt-To-Income Ratio | 31 | $5,165,000 | $166,000 | $885,000 | $79,000 | $550,000 |
| Credit History | 23 | $1,345,000 | $58,000 | $105,000 | $109,000 | $257,000 |
| Other | 8 | $3,740,000 | $467,000 | $2,655,000 | $113,000 | $315,000 |
| Employment History | 2 | $90,000 | $45,000 | $65,000 | $51,000 | $65,000 |
| Unverifiable Information | 1 | $55,000 | $55,000 | $55,000 | $79,000 | $79,000 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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 2023 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.