Lender profile · HMDA 2023–2025
Oakstar Bank mortgage approval rates & lending data
Oakstar Bank decided 1,477 mortgage applications and funded 1,385 loans across the 616 counties Fat Boy Data covers, 2023–2025.
Approval by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 98% | 784 / 799 | 97% | $245K | 759 |
| Home improvement loans | 89% | 173 / 195 | 96% | $85K | 166 |
| Cash-out refinance | 90% | 38 / 42 | 100% | $215K | 38 |
| Refinance | 97% | 132 / 136 | 99% | $185K | 131 |
| Investment property purchase | 99% | 218 / 221 | 98% | $185K | 213 |
| Investment refinance | 96% | 55 / 57 | 96% | $205K | 53 |
Oakstar Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Missouri | 98% | $245K | 900 | 873 |
| Colorado | 90% | $155K | 307 | 253 |
| Kansas | 97% | $365K | 214 | 204 |
| Florida | 100% | $515K | 15 | 15 |
| Arkansas | 100% | $505K | 10 | 10 |
| Nebraska | 100% | $455K | 8 | 8 |
| Texas | 100% | $335K | 5 | 5 |
| Oklahoma | 100% | $135K | 3 | 3 |
| Arizona | 100% | $165K | 2 | 2 |
| Michigan | 100% | $275K | 2 | 2 |
| South Carolina | 100% | $285K | 2 | 2 |
| Alabama | 100% | $105K | 1 | 1 |
| District of Columbia | 100% | $1.15M | 1 | 1 |
| Illinois | 100% | $165K | 1 | 1 |
| Indiana | 100% | $675K | 1 | 1 |
Covers the 616 counties in the Fat Boy Data footprint, which is 79.6% of the US population — not every county in each state. Methodology.