Oakstar Bank mortgage approval rate & lending review
Oakstar Bank decided 1,477 mortgage applications and funded 1,385 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Oakstar Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Oakstar Bank at a glance
Approval is 14.7 points above the 81.8% national rate for the same mix of loan types.
Approval rates 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 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Oakstar Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Greene County, MO | Mortgage lenders | 100% | 290 | 289 |
| Jackson County, MO | Mortgage lenders | 98% | 164 | 156 |
| Mesa County, CO | Home improvement loans | 85% | 123 | 99 |
| Johnson County, KS | Mortgage lenders | 99% | 91 | 88 |
| Mesa County, CO | Mortgage lenders | 95% | 100 | 79 |
| Greene County, MO | Investment property purchase | 100% | 80 | 78 |
| Greene County, MO | Refinance | 94% | 48 | 45 |
| Clay County, MO | Mortgage lenders | 95% | 41 | 39 |
| Jasper County, MO | Investment property purchase | 100% | 38 | 37 |
| Greene County, MO | Home improvement loans | 97% | 35 | 33 |
| Mesa County, CO | Refinance | 97% | 29 | 28 |
| Jackson County, MO | Investment property purchase | 100% | 25 | 25 |
The county markets where Oakstar Bank made the most loans. Each link opens that market with every lender ranked.
Questions about Oakstar Bank
What is Oakstar Bank's mortgage approval rate?
Oakstar Bank approved 96.5% of the 1,477 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 14.7 points above the 81.8% national rate for the same mix of loan types.
How often do borrowers take the loan Oakstar Bank offers?
Borrowers accepted 97% of the loans Oakstar Bank approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Oakstar Bank make?
The typical home purchase mortgage loan Oakstar Bank made was $245K; across all loan types its typical loan ran from $85K to $245K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Oakstar Bank lend?
Oakstar Bank decided applications in 20 of the states Fat Boy Data covers, most of them in Missouri, Colorado and Kansas.
Can I apply to Oakstar Bank directly?
Yes. Oakstar Bank is a bank or credit union with 27 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Oakstar Bank's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Oakstar Bank treats applications, then get a rate quote from the lender.