Oakstar Bank
Oakstar Bank received 1,149 applications in 2025 and made 974 mortgages, in 88 counties across 17 states. The median rate its borrowers got was 7.250% on a median loan of $205,000. Of 1,047 decisions, 49 were denials — 4.7%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300ZX4OGRPOOEH505 |
|---|---|
| Applications received | 1,149 |
| Mortgages made | 974 |
| Denied | 49 |
| Approved, not taken up | 24 |
| Withdrawn or incomplete | 102 |
| Loans bought from other lenders | 4 |
| Median rate spread over the prime offer rate | 0.19 points |
| FDIC-insured bank | Yes: Oakstar Bank, 27 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 555 | 6.875% | $255,000 | 2.2% |
| Refinancing | 177 | 7.250% | $195,000 | 3.8% |
| Cash-out refinancing | 20 | 6.500% | $170,000 | 20.0% |
| Other purposes | 222 | 7.500% | $75,000 | 9.6% |
Where Oakstar Bank lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Greene County, MO | 163 | 7.250% | 1.8% |
| Christian County, MO | 86 | 6.875% | 0.0% |
| Mesa County, CO | 79 | 7.500% | 11.9% |
| Polk County, MO | 74 | 7.375% | 2.6% |
| Hickory County, MO | 71 | 7.500% | 5.3% |
| Jackson County, MO | 55 | 6.500% | 3.5% |
| Camden County, MO | 50 | 7.500% | 1.9% |
| Johnson County, KS | 49 | 6.750% | 7.3% |
| Dallas County, MO | 36 | 7.500% | 7.7% |
| Franklin County, KS | 22 | 7.500% | 4.4% |
| Henry County, MO | 22 | 7.375% | 17.9% |
| Jasper County, MO | 18 | 7.500% | 5.3% |
| Delta County, CO | 17 | 7.250% | 18.2% |
| Clay County, MO | 17 | 6.500% | 5.6% |
| Webster County, MO | 14 | 7.250% | 0.0% |
| Lawrence County, MO | 12 | 7.500% | 0.0% |
| Wright County, MO | 12 | 7.500% | 0.0% |
| Cass County, MO | 11 | 7.000% | 8.3% |
| Stone County, MO | 11 | 7.000% | 7.7% |
| Taney County, MO | 11 | 7.500% | 0.0% |
| Wyandotte County, KS | 10 | 7.125% | 9.1% |
| Garfield County, CO | 7 | Under 10 loans | 0.0% |
| Benton County, MO | 7 | Under 10 loans | 0.0% |
| Barry County, MO | 6 | Under 10 loans | 0.0% |
| Cedar County, MO | 6 | Under 10 loans | 0.0% |
| El Paso County, CO | 5 | Under 10 loans | 0.0% |
| Newton County, MO | 5 | Under 10 loans | 0.0% |
| Eagle County, CO | 4 | Under 10 loans | 0.0% |
| Leavenworth County, KS | 4 | Under 10 loans | 0.0% |
| Bates County, MO | 4 | Under 10 loans | 0.0% |
| Miller County, MO | 4 | Under 10 loans | 0.0% |
| St. Clair County, MO | 4 | Under 10 loans | 20.0% |
| Douglas County, CO | 3 | Under 10 loans | 0.0% |
| Pitkin County, CO | 3 | Under 10 loans | 0.0% |
| Cherokee County, KS | 3 | Under 10 loans | 0.0% |
| Boone County, MO | 3 | Under 10 loans | 0.0% |
| Clinton County, MO | 3 | Under 10 loans | 0.0% |
| Douglas County, MO | 3 | Under 10 loans | 0.0% |
| Laclede County, MO | 3 | Under 10 loans | 0.0% |
| Morgan County, MO | 3 | Under 10 loans | 0.0% |
| Platte County, MO | 3 | Under 10 loans | 0.0% |
| Denver County, CO | 2 | Under 10 loans | 0.0% |
| Jefferson County, CO | 2 | Under 10 loans | 0.0% |
| Montrose County, CO | 2 | Under 10 loans | 0.0% |
| Pinellas County, FL | 2 | Under 10 loans | 0.0% |
| Douglas County, KS | 2 | Under 10 loans | 0.0% |
| Osage County, KS | 2 | Under 10 loans | 33.3% |
| Dade County, MO | 2 | Under 10 loans | 0.0% |
| St. Louis County, MO | 2 | Under 10 loans | 0.0% |
| Texas County, MO | 2 | Under 10 loans | 0.0% |
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When Oakstar Bank’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.