Oakstar Bank in Kansas vs the state
6.7%Denial rate-8.36 pts vs state
7.6%Decision denial rate-10.73 pts vs state
79.2%Origination rate+15.35 pts vs state
7.00%Median rate+0.38 pts vs state
0.09Rate spread (pts)-0.21 pts vs state
$122kMedian applicant income
95Loans originated
8Denied
Trend in Kansas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 131 | 110 | 5.3% | 7.25% | #111 |
| 2024 | 150 | 128 | 2.7% | 7.31% | #115 |
| 2025 | 120 | 95 | 6.7% | 7.00% | #147 |
What Oakstar Bank lends in Kansas
By loan purpose
By loan type
Why it denied Kansas applicants
Where in Kansas
Counties with the most Oakstar Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Johnson County | 61 | 49 | 4 | 6.6% |
| Franklin County | 24 | 22 | 1 | 4.2% |
| Wyandotte County | 13 | 10 | 1 | 7.7% |
| Leavenworth County | 5 | 4 | 0 | 0.0% |
| Cherokee County | 4 | 3 | 0 | 0.0% |
| Osage County | 3 | 2 | 1 | 33.3% |
| Doniphan County | 2 | 0 | 1 | 50.0% |
| Douglas County | 2 | 2 | 0 | 0.0% |
| Crawford County | 2 | 0 | 0 | 0.0% |
| Sedgwick County | 1 | 1 | 0 | 0.0% |
Other large lenders in Kansas
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 5,303 | 18.0% | 6.63% |
| Communityamerica Credit Union | B | 3,575 | 12.4% | 6.38% |
| United Shore Financial Services | B | 2,545 | 11.4% | 6.38% |
| Mortgage Research Center | C | 2,389 | 15.1% | 6.25% |
| Fairway Independent Mortgage | B | 2,360 | 2.0% | 6.63% |
| Pennymac Loan Services | C | 2,103 | 10.8% | 6.49% |
| Credit Union of America | C | 1,940 | 22.9% | 7.75% |
| Capitol Federal Savings Bank | B | 1,873 | 12.6% | 6.75% |
| Guild Mortgage | A | 1,549 | 3.6% | 6.63% |
| U.S. Bank | D | 1,534 | 31.4% | 7.28% |
Frequently asked questions
Kansas: 120 applications in 2025, of which 95 were originated and 8 denied.
6.7% of all applications, or 7.6% of the applications it actually decided on. The Kansas statewide average across all lenders was 15.0%.
The median rate on loans Oakstar Bank originated in Kansas in 2025 was 7.00%, against a statewide median of 6.63%.
About this data. Figures are Oakstar Bank's own HMDA filing for properties located in Kansas, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology