We analyzed every closed loan from Oakstar Bank — 497 loans across 608 applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Strong
4/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA · Jumbo
Place
Strong
4/5
Multi-Region · 3 mkts
Awards
Conventional
Superstar
Purchase
Superstar
Refinance
Superstar
Summary
What They Do Well
- Competitive pricing compared to the market
- Lower than average lender fees
- Strong pull through performance
Explore another lender or local market
Report Card
Oakstar Bank performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
+19.2 bps above market avg
Pull Through
Closing strength
Strong
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Top 40% of lenders
FHA
Acceptable
Bottom 40% of lenders
VA
Acceptable
Bottom 40% of lenders
Jumbo
Sound
Top 60% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Top 40% of lenders
Refinance
Strong
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 4 markets
Strong
Top 40% of lenders
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 456 | 91.8% | +0.189%Above | $944Fees | ||||
FHA Loans | — | 13 | 2.6% | +0.509%Above | $338Fees | |||
VA Loans | — | — | 11 | 2.2% | -0.326%Below | $50Fees | ||
Jumbo Loans | — | — | 11 | 2.2% | +0.450%Above | $709Fees |
Conventional
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume456
Mix91.8%
Spread
+0.189%Above
Fees
$944Fees
FHA Loans
OverallAcceptable
ProductAcceptable
Pricing—
Pull ThroughAcceptable
Volume13
Mix2.6%
Spread
+0.509%Above
Fees
$338Fees
VA Loans
OverallAcceptable
ProductAcceptable
Pricing—
Pull Through—
Volume11
Mix2.2%
Spread
-0.326%Below
Fees
$50Fees
Jumbo Loans
OverallSound
ProductSound
Pricing—
Pull Through—
Volume11
Mix2.2%
Spread
+0.450%Above
Fees
$709Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 409 | 82.3% | +0.186%Above | $853Fees | ||||
Refinance | 88 | 17.7% | +0.218%Above | $1,158Fees |
Purchase
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume409
Mix82.3%
Spread
+0.186%Above
Fees
$853Fees
Refinance
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume88
Mix17.7%
Spread
+0.218%Above
Fees
$1,158Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
497
Applications
608
Volume
$148 million
Pricing & Closing
Avg Rate Spread
+0.192%
vs. market APOR
Avg Net Fees
$908
Origination − Credits
Pullthrough Rate
81.7%
Applications → Closed
Typical Borrower
Avg Loan Amount
$299,044
Avg Borrower Income
$154,841
Avg Property Value
$419,165
Geographic Coverage
Geographic Performance
Metro Areas
3
markets with activity
States Served
14
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
14Midwest6
ILKSMIMONDNE
South6
ARDCFLGAOKTX
West2
AZCO
Top Metro Areas by Place Specialization Score
Volume 201Mix 40.44% of portfolio
90/100
Exceptional
Volume 168Mix 33.80% of portfolio
74/100
Strong
Volume 12Mix 2.41% of portfolio
46/100
SoundTop States by Place Specialization Score
1
MissouriState
Volume 401Mix 80.68% of portfolio
79/100
Strong2
KansasState
Volume 62Mix 12.47% of portfolio
65/100
Strong3
ColoradoState
Volume 15Mix 3.02% of portfolio
43/100
SoundHow We Rank Lenders
Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.
Our Point System (Max 30 Points)
10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
Looking for a different lender?
Are you the owner of Oakstar Bank?
Claim this profile to add your business logo, highlight verified loan officers, collect verified reviews, and customize your marketing presence.
The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.