Applications / Mortgage Analytics / Lenders / Missouri / OakStar Bank
Springfield, MO · State member bank · FRS · $3.0 billion assets · 974 loans in 2025
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974
loans originated, 2025
1,149
applications, 2025
16
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
OakStar Bank is a Missouri purchase lender, seventh of 351 lenders in Springfield, whose originations fell in 2025 while similar lenders and the whole market grew.
Originations fell 9% to 974, while similar lenders (state member banks making between half and twice as many loans) rose 7% and the whole market 10%; its growth was lower than more than nine in ten peers'. Purchases were 57.0% of its loans, so it may have gained little from refinancing; that is one possible reason. It made 2,470 loans in 2020.
In Springfield, where it has lent since 2004, its share fell 0.8 points to 3.0%, behind Flat Branch Mortgage, The Central Trust Bank and Arvest Bank. In Grand Junction it fell 0.7 points to 1.6%, ranking 13 of 268. Its smaller total volume and competitors' growth are possible reasons.
LMI (low- and moderate-income) areas took 17.6% of its loans, against 15.4% at peers and 9.4% five years before. LMI borrowers took 23.2%, against 28.2%. Majority-minority areas took 2.5%, lower than most peers (7.3%). Both lower shares may reflect its markets, led by Springfield and non-metro Missouri.
It denied 2.0% of first-lien home-purchase applications, lower than more than nine in ten peers (7.1%). Its typical loan, $205,000, was close to peers' $195,000.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. OakStar Bank took 1,149 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 57.0% · Refinance 20.2% · Home improvement 13.2% · Other 9.5%
Conventional 96.3% · FHA 1.8% · VA 1.3% · USDA (RHS or FSA) 0.5% · of 974 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Missouri | 733 | 75.3% |
| Colorado | 126 | 12.9% |
| Kansas | 95 | 9.8% |
| Florida | 4 | 0.4% |
| Oklahoma | 3 | 0.3% |
| Arkansas | 2 | 0.2% |
| Texas | 2 | 0.2% |
| Alabama | 1 | 0.1% |
| Arizona | 1 | 0.1% |
| Indiana | 1 | 0.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Springfield | 373 |
| Kansas City | 156 |
| Grand Junction | 79 |
| Joplin | 26 |
| Denver-Aurora-Centennial | 9 |
| Colorado Springs | 5 |
| Columbia | 3 |
| St. Louis | 3 |
| Topeka | 3 |
| Lawrence | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300ZX4OGRPOOEH505 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3374412 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 124605 | 2007–2011 |
| Respondent ID (the HMDA filer code before 2018) | 23374412 | 2012–2017 |
Established 24 October 2005. Reported under HMDA 2007-2025.
Mergers, name changes, data editions and corrections: OakStar Bank's data.
OakStar Bank's data
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OakStar Bank and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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