Oakstar Bank Mortgage Lending & HMDA Data, 2017
In 2017, Oakstar Bank of Springfield, MO reported 1,865 mortgage applications totaling $355.5 million, down 12% from 2016. The average application was for $190,617, and applicants reported an average income of $93,166. 86% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Springfield, MO (1,125), Kansas City, MO-KS (305) and Fayetteville-Springdale-Rogers, AR-MO (19) (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 | 1,865 |
| Total Mortgage Loan Application Amount | $355,501,000 |
| Average Mortgage Loan Application Amount | $190,617 |
| Highest Mortgage Loan Application Amount | $6,240,000 |
| Average Applicant Income | $93,166 |
| Highest Applicant Income | $1,402,000 |
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Act (HMDA) records Oakstar Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Springfield, MO | 1,125 | $ 184,019,000 | $ 163,572 | $ 79,000 |
| Kansas City, MO-KS | 305 | $ 69,320,000 | $ 227,278 | $ 119,081 |
| Fayetteville-Springdale-Rogers, AR-MO | 19 | $ 5,001,000 | $ 263,210 | $ 113,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 16 | $ 7,077,000 | $ 442,312 | $ 167,562 |
| Joplin, MO | 14 | $ 2,748,000 | $ 196,285 | $ 102,000 |
| Urban Honolulu, HI | 12 | $ 6,320,000 | $ 526,666 | $ 126,000 |
| St. Louis, MO-IL | 11 | $ 2,707,000 | $ 246,090 | $ 193,909 |
| Dallas-Plano-Irving, TX | 10 | $ 2,240,000 | $ 224,000 | $ 140,000 |
| Cape Coral-Fort Myers, FL | 5 | $ 2,888,000 | $ 577,600 | $ 34,000 |
| Houston-The Woodlands-Sugar Land, TX | 5 | $ 1,120,000 | $ 224,000 | $ 100,000 |
| Omaha-Council Bluffs, NE-IA | 5 | $ 842,000 | $ 168,400 | $ 268,000 |
| Austin-Round Rock, TX | 4 | $ 1,011,000 | $ 252,750 | $ 152,000 |
| Boston, MA | 4 | $ 1,192,000 | $ 298,000 | $ 94,000 |
| Oakland-Hayward-Berkeley, CA | 4 | $ 1,260,000 | $ 315,000 | $ 112,000 |
| Phoenix-Mesa-Scottsdale, AZ | 4 | $ 976,000 | $ 244,000 | $ 114,000 |
| Seattle-Bellevue-Everett, WA | 4 | $ 1,724,000 | $ 431,000 | $ 103,000 |
| Baltimore-Columbia-Towson, MD | 3 | $ 1,093,000 | $ 364,333 | $ 149,000 |
| Crestview-Fort Walton Beach-Destin, FL | 3 | $ 1,810,000 | $ 603,333 | $ 153,000 |
| Las Vegas-Henderson-Paradise, NV | 3 | $ 774,000 | $ 258,000 | $ 79,000 |
| Manhattan, KS | 3 | $ 613,000 | $ 204,333 | $ 170,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 3 | $ 1,314,000 | $ 438,000 | $ 153,000 |
| Springfield, OH | 3 | $ 420,000 | $ 140,000 | $ 43,000 |
| St. Joseph, MO-KS | 3 | $ 703,000 | $ 234,333 | $ 72,000 |
| Wichita, KS | 3 | $ 675,000 | $ 225,000 | $ 98,000 |
| Atlanta-Sandy Springs-Roswell, GA | 2 | $ 788,000 | $ 394,000 | $ 155,000 |
| Colorado Springs, CO | 2 | $ 532,000 | $ 266,000 | $ 117,000 |
| Dayton, OH | 2 | $ 378,000 | $ 189,000 | $ 85,000 |
| Des Moines-West Des Moines, IA | 2 | $ 294,000 | $ 147,000 | $ 58,000 |
| Durham-Chapel Hill, NC | 2 | $ 557,000 | $ 278,500 | $ 50,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 2 | $ 625,000 | $ 312,500 | $ 107,000 |
| Jacksonville, FL | 2 | $ 393,000 | $ 196,500 | $ 43,000 |
| Kahului-Wailuku-Lahaina, HI | 2 | $ 1,071,000 | $ 535,500 | $ 97,000 |
| Lawrence, KS | 2 | $ 203,000 | $ 101,500 | $ 144,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 2 | $ 804,000 | $ 402,000 | $ 236,000 |
| Ogden-Clearfield, UT | 2 | $ 803,000 | $ 401,500 | $ 74,000 |
| Orlando-Kissimmee-Sanford, FL | 2 | $ 510,000 | $ 255,000 | $ 202,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 2 | $ 964,000 | $ 482,000 | $ 65,000 |
| Akron, OH | 1 | $ 237,000 | $ 237,000 | $ 110,000 |
| Asheville, NC | 1 | $ 216,000 | $ 216,000 | $ 42,000 |
| Blacksburg-Christiansburg-Radford, VA | 1 | $ 81,000 | $ 81,000 | $ 72,000 |
| Bremerton-Silverdale, WA | 1 | $ 420,000 | $ 420,000 | $ 178,000 |
| Bridgeport-Stamford-Norwalk, CT | 1 | $ 150,000 | $ 150,000 | $ 106,000 |
| Burlington, NC | 1 | $ 86,000 | $ 86,000 | $ 35,000 |
| Cambridge-Newton-Framingham, MA | 1 | $ 400,000 | $ 400,000 | $ 69,000 |
| Cape Girardeau, MO-IL | 1 | $ 226,000 | $ 226,000 | $ 68,000 |
| Carbondale-Marion, IL | 1 | $ 408,000 | $ 408,000 | $ 250,000 |
| Charlottesville, VA | 1 | $ 568,000 | $ 568,000 | $ 125,000 |
| Coeur D'Alene, ID | 1 | $ 200,000 | $ 200,000 | $ 178,000 |
| Columbia, MO | 1 | $ 140,000 | $ 140,000 | $ 47,000 |
| Daphne-Fairhope-Foley, AL | 1 | $ 268,000 | $ 268,000 | $ 200,000 |
| Denver-Aurora-Lakewood, CO | 1 | $ 360,000 | $ 360,000 | $ 184,000 |
| Detroit-Dearborn-Livonia, MI | 1 | $ 175,000 | $ 175,000 | $ 74,000 |
| Erie, PA | 1 | $ 217,000 | $ 217,000 | $ 64,000 |
| Fort Worth-Arlington, TX | 1 | $ 255,000 | $ 255,000 | $ 55,000 |
| Glens Falls, NY | 1 | $ 285,000 | $ 285,000 | $ 315,000 |
| Grand Rapids-Wyoming, MI | 1 | $ 295,000 | $ 295,000 | $ 38,000 |
| Homosassa Springs, FL | 1 | $ 180,000 | $ 180,000 | $ 88,000 |
| Jefferson City, MO | 1 | $ 334,000 | $ 334,000 | $ 123,000 |
| Johnson City, TN | 1 | $ 70,000 | $ 70,000 | $ 82,000 |
| Little Rock-North Little Rock-Conway, AR | 1 | $ 747,000 | $ 747,000 | $ 425,000 |
| Louisville/Jefferson County, KY-IN | 1 | $ 424,000 | $ 424,000 | $ 78,000 |
| Lynchburg, VA | 1 | $ 336,000 | $ 336,000 | $ 152,000 |
| Miami-Miami Beach-Kendall, FL | 1 | $ 391,000 | $ 391,000 | $ 54,000 |
| Mobile, AL | 1 | $ 408,000 | $ 408,000 | $ 268,000 |
| Montgomery County-Bucks County-Chester County, PA | 1 | $ 75,000 | $ 75,000 | $ 43,000 |
| Naples-Immokalee-Marco Island, FL | 1 | $ 658,000 | $ 658,000 | $ 240,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 1 | $ 214,000 | $ 214,000 | $ 121,000 |
| New York-Jersey City-White Plains, NY-NJ | 1 | $ 417,000 | $ 417,000 | $ 438,000 |
| North Port-Sarasota-Bradenton, FL | 1 | $ 195,000 | $ 195,000 | $ 132,000 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 100,000 | $ 100,000 | $ 149,000 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 107,000 | $ 107,000 | $ 102,000 |
| Port St. Lucie, FL | 1 | $ 210,000 | $ 210,000 | $ 99,000 |
| Portland-South Portland, ME | 1 | $ 195,000 | $ 195,000 | $ 53,000 |
| Prescott, AZ | 1 | $ 220,000 | $ 220,000 | $ 201,000 |
| Raleigh, NC | 1 | $ 424,000 | $ 424,000 | $ 162,000 |
| Richmond, VA | 1 | $ 268,000 | $ 268,000 | $ 69,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 1 | $ 200,000 | $ 200,000 | $ 122,000 |
| Salinas, CA | 1 | $ 469,000 | $ 469,000 | $ 142,000 |
| San Antonio-New Braunfels, TX | 1 | $ 192,000 | $ 192,000 | $ 85,000 |
| San Diego-Carlsbad, CA | 1 | $ 589,000 | $ 589,000 | $ 0 |
| Santa Fe, NM | 1 | $ 417,000 | $ 417,000 | $ 284,000 |
| Savannah, GA | 1 | $ 563,000 | $ 563,000 | $ 578,000 |
| Silver Spring-Frederick-Rockville, MD | 1 | $ 491,000 | $ 491,000 | $ 159,000 |
| Tampa-St. Petersburg-Clearwater, FL | 1 | $ 136,000 | $ 136,000 | $ 72,000 |
| Texarkana, TX-AR | 1 | $ 249,000 | $ 249,000 | $ 124,000 |
| Toledo, OH | 1 | $ 213,000 | $ 213,000 | $ 90,000 |
| Wichita Falls, TX | 1 | $ 178,000 | $ 178,000 | $ 61,000 |
| Worcester, MA-CT | 1 | $ 150,000 | $ 150,000 | $ 123,000 |
Mortgage Loan Application Detail Totals for Oakstar Bank in 2017
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 | 1,343 | $250,229,000 | $186,000 | $6,240,000 | $94,000 | $1,048,000 |
| Refinancing | 437 | $91,448,000 | $209,000 | $1,608,000 | $92,000 | $1,402,000 |
| Home Improvement | 85 | $13,824,000 | $162,000 | $683,000 | $86,000 | $438,000 |
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 | 1,655 | $301,851,000 | $182,000 | $1,500,000 | $97,000 | $1,402,000 |
| Not applicable | 88 | $25,421,000 | $288,000 | $6,240,000 | $0 | $0 |
| Asian | 39 | $11,098,000 | $284,000 | $900,000 | $129,000 | $640,000 |
| Hispanic | 36 | $6,406,000 | $177,000 | $469,000 | $80,000 | $230,000 |
| Black or African American | 24 | $6,095,000 | $253,000 | $578,000 | $136,000 | $549,000 |
| Not Provided | 15 | $2,504,000 | $166,000 | $345,000 | $81,000 | $247,000 |
| American Indian or Alaskan Native | 5 | $1,205,000 | $241,000 | $424,000 | $145,000 | $297,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $921,000 | $307,000 | $423,000 | $85,000 | $95,000 |
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) | 1,496 | $275,279,000 | $184,000 | $6,240,000 | $98,000 | $1,402,000 |
| FHA-insured (Federal Housing Administration) | 179 | $28,884,000 | $161,000 | $606,000 | $67,000 | $259,000 |
| VA-guaranteed (Veterans Administration) | 155 | $46,879,000 | $302,000 | $1,181,000 | $92,000 | $365,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 35 | $4,459,000 | $127,000 | $256,000 | $45,000 | $76,000 |
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 | 1,611 | $307,351,000 | $190,000 | $6,240,000 | $93,000 | $1,048,000 |
| Application Withdrawn By Applicant | 163 | $34,317,000 | $210,000 | $1,500,000 | $98,000 | $1,188,000 |
| Application Denied By Financial Institution | 78 | $12,524,000 | $160,000 | $722,000 | $100,000 | $1,402,000 |
| Application Approved But Not Accepted | 12 | $1,214,000 | $101,000 | $150,000 | $90,000 | $207,000 |
| File Closed For Incompleteness | 1 | $95,000 | $95,000 | $95,000 | $50,000 | $50,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Oakstar Bank's 2017 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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