Oakstar Bank in Missouri vs the state
3.0%Denial rate-12.09 pts vs state
3.3%Decision denial rate-15.44 pts vs state
87.3%Origination rate+24.60 pts vs state
7.25%Median rate+0.63 pts vs state
0.21Rate spread (pts)-0.14 pts vs state
$109kMedian applicant income
733Loans originated
25Denied
Trend in Missouri
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 839 | 704 | 4.1% | 7.50% | #54 |
| 2024 | 936 | 777 | 4.1% | 7.50% | #49 |
| 2025 | 840 | 733 | 3.0% | 7.25% | #63 |
What Oakstar Bank lends in Missouri
By loan purpose
By loan type
Why it denied Missouri applicants
Where in Missouri
Counties with the most Oakstar Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Greene County | 188 | 163 | 3 | 1.6% |
| Christian County | 92 | 86 | 0 | 0.0% |
| Polk County | 84 | 74 | 2 | 2.4% |
| Hickory County | 79 | 71 | 4 | 5.1% |
| Jackson County | 63 | 55 | 2 | 3.2% |
| Camden County | 58 | 50 | 1 | 1.7% |
| Dallas County | 45 | 36 | 3 | 6.7% |
| Henry County | 30 | 22 | 5 | 16.7% |
| Clay County | 22 | 17 | 1 | 4.5% |
| Jasper County | 22 | 18 | 1 | 4.5% |
Other large lenders in Missouri
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 10,460 | 18.4% | 6.63% |
| Flat Branch Mortgage | A | 8,999 | 0.9% | 6.63% |
| Guild Mortgage | A | 7,388 | 2.5% | 6.63% |
| U.S. Bank | D | 7,190 | 32.8% | 7.63% |
| The Central Trust Bank | C | 7,022 | 9.7% | 6.63% |
| United Shore Financial Services | B | 6,710 | 8.0% | 6.55% |
| Communityamerica Credit Union | B | 5,843 | 16.8% | 6.49% |
| Mortgage Research Center | C | 5,734 | 15.6% | 6.25% |
| Broker Solutions | D | 5,007 | 7.8% | 6.88% |
| Commerce Bank | D | 4,905 | 27.2% | 6.72% |
Frequently asked questions
Missouri: 840 applications in 2025, of which 733 were originated and 25 denied.
3.0% of all applications, or 3.3% of the applications it actually decided on. The Missouri statewide average across all lenders was 15.1%.
The median rate on loans Oakstar Bank originated in Missouri in 2025 was 7.25%, against a statewide median of 6.63%.
About this data. Figures are Oakstar Bank's own HMDA filing for properties located in Missouri, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology