# Oakstar Bank

> **Canonical URL:** https://saferate.com/lenders/oakstar-bank


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


Oakstar Bank is a bank, headquartered in Springfield, MO, serving borrowers across 14 states, with 497 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 31% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 24% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300ZX4OGRPOOEH505
- **Headquarters:** Springfield, MO
- **Geographic Reach:** Multi-Region
- **States Served:** 14
- **State List:** AR, AZ, CO, DC, FL, GA, IL, KS, MI, MO, ND, NE, OK, TX
- **Markets (MSAs):** 4
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 69/100
- Rating: ●●●●○ (4/5)

### Pull Through: Strong 😀
- Score: 76/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.192%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $908
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 497
- **Dollar Volume:** $149 million
- **Applications Received:** 608
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $299,044
- **Average Borrower Income:** $154,841
- **Average Property Value:** $419,165

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (70%)
- ⭐ **Purchase Gold Superstar** (70%)
- ⭐ **Refinance Gold Superstar** (63%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 68/100 | 456 | +0.189% | $944 | Strong 😀 |
| FHA | 35/100 | 13 | +0.509% | $338 | Acceptable 🙂 |
| VA | 38/100 | 11 | -0.326% | $50 | Acceptable 🙂 |
| Jumbo | 41/100 | 11 | +0.450% | $709 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 371 loans, Score: 67/100 (Strong)
- Refinance: 85 loans, Score: 65/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 65/100 | 409 | $127M | +0.186% | Strong 😀 |
| Refinance | 63/100 | 88 | $22M | +0.218% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| MO | 401 | 0.54% | 79/100 |
| KS | 62 | 0.21% | 65/100 |
| CO | 15 | 0.02% | 43/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Springfield, MO | MO | 201 | 90/100 |
| Kansas City, MO | MO-KS | 168 | 74/100 |
| Non |  | 85 | 51/100 |
| Grand Junction, CO | CO | 12 | 46/100 |

## Where This Lender Ranks

Oakstar Bank appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥈 **#2** in Springfield, MO
  - [View Full Rankings](https://saferate.com/springfield-mo/best-mortgage-lenders)
- 🥈 **#2** in Springfield, MO Banks
  - [View Full Rankings](https://saferate.com/springfield-mo/best-mortgage-lenders/banks)
- 🥈 **#2** in Springfield, MO for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/springfield-mo/best-mortgage-lenders/banks/conventional-loans)
- 🥈 **#2** in Grand Junction, CO for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/grand-junction-co/best-mortgage-lenders/banks/conventional-loans)
- 🥉 **#3** in Springfield, MO for Conventional Loans
  - [View Full Rankings](https://saferate.com/springfield-mo/best-mortgage-lenders/conventional-loans)
- 🏆 **#7** in Missouri for USDA Loans (Banks)
  - [View Full Rankings](https://saferate.com/missouri/best-mortgage-lenders/banks/usda-loans)
- 🏆 **#8** in Missouri Banks
  - [View Full Rankings](https://saferate.com/missouri/best-mortgage-lenders/banks)
- 🏆 **#9** in Kansas City, MO Banks
  - [View Full Rankings](https://saferate.com/kansas-city-mo/best-mortgage-lenders/banks)
- 🏆 **#9** in Kansas City, MO for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/kansas-city-mo/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#10** in Missouri for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/missouri/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#10** in Grand Junction, CO for Conventional Loans
  - [View Full Rankings](https://saferate.com/grand-junction-co/best-mortgage-lenders/conventional-loans)
- 🏆 **#12** in Missouri
  - [View Full Rankings](https://saferate.com/missouri/best-mortgage-lenders)
- 🏆 **#13** in Kansas City, MO
  - [View Full Rankings](https://saferate.com/kansas-city-mo/best-mortgage-lenders)
- 🏆 **#13** in Kansas City, MO for Conventional Loans
  - [View Full Rankings](https://saferate.com/kansas-city-mo/best-mortgage-lenders/conventional-loans)
- 🏆 **#13** in Kansas for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/kansas/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#14** in Missouri for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/missouri/best-mortgage-lenders/banks/jumbo-loans)
- 🏆 **#14** in Kansas City, MO for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/kansas-city-mo/best-mortgage-lenders/banks/va-loans)
- 🏆 **#15** in Kansas Banks
  - [View Full Rankings](https://saferate.com/kansas/best-mortgage-lenders/banks)
- 🏆 **#16** in Missouri for Conventional Loans
  - [View Full Rankings](https://saferate.com/missouri/best-mortgage-lenders/conventional-loans)
- 🏆 **#18** in Missouri for USDA Loans
  - [View Full Rankings](https://saferate.com/missouri/best-mortgage-lenders/usda-loans)

## Frequently Asked Questions

### What loan types does Oakstar Bank offer?

Oakstar Bank offers the following mortgage loan types: FHA, Conventional, VA, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Oakstar Bank offer mortgages?

Oakstar Bank offers mortgages in 14 states: AR, AZ, CO, DC, FL, GA, IL, KS, MI, MO, ND, NE, OK, TX.

### How competitive are Oakstar Bank's mortgage rates?

Oakstar Bank has a pricing score of 69/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.192% above market average.

### What type of lender is Oakstar Bank?

Oakstar Bank is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Springfield, MO.

### What is Oakstar Bank's loan approval success rate?

Oakstar Bank has a pull-through score of 76/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/oakstar-bank

### How to Cite

> "Oakstar Bank Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/oakstar-bank

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