Lender in Missouri · HMDA 2025
Oakstar Bank mortgages in Missouri
Oakstar Bank's 2025 home-purchase and refinance lending in Missouri, compared with all lenders in the state.
Oakstar Bank originated 337 owner-occupied single-family loans in Missouri from 351 completed applications.
Its median conventional purchase loan costs were $2,830 versus $3,710 for all Missouri lenders, at a median 30-year fixed rate of 6.625% (Missouri: 6.625%).
Loans in MO
337
of 351 applications
Denial rate
1.5%
Purchase · MO 6.5%
Rate spread
+0.11 pts
Conv. · MO +0.24 pts
Loan amount
$245,000
Purchase · MO $245,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 270 | 262 | 1.5% | 6.625% | +0.11 pts | $2,830 | $245,000 |
| Refinance | 65 | 61 | 4.6% | 6.500% | −0.01 pts | $2,230 | $235,000 |
| Cash-out refinance | 16 | 14 | — | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
Missouri counties where Oakstar Bank ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Hickory County | 1 | 31 | 26.5% |
| Polk County | 2 | 32 | 6.4% |
| Dallas County | 2 | 22 | 10.1% |
| Wright County | 10 | 5 | 2.3% |
| Camden County | 11 | 15 | 1.8% |
| Henry County | 12 | 7 | 2.0% |
| Christian County | 13 | 48 | 2.5% |
| Greene County | 21 | 76 | 1.6% |
| Cedar County | 22 | 2 | 1.2% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology