Oakstar Bank Mortgage Rates, Fees & Info

Springfield, MO

LEI: 549300ZX4OGRPOOEH505

Tax ID: 20-3405719

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

Review & Overview

Oakstar Bank is a smaller bank specializing in Refi and Home Purchase loans. Oakstar Bank has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) They have a low ratio of USDA loans. Their top markets by origination volume include: Springfield, Kansas City, Joplin, Columbia, and Branson among others. We have data for 99 markets. (Some data included below & more in-depth data is available with an active subscription.)

Oakstar Bank has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Oakstar Bank is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

SimulatedRates™ Mortgage Type	Simulated Rate	Simulation Date
Home Equity Line of Credit (HELOC)	6.27%	4/14/24
30 Year Conventional Purchase	6.29%	4/14/24
30 Year Conventional Refi	4.32%	4/14/24
30 Year Cash-out Refi	6.86%	4/14/24
30 Year FHA Purchase	7.53%	4/14/24
30 Year FHA Refi	6.80%	4/14/24
30 Year VA Purchase	6.29%	4/14/24
30 Year VA Refi	6.04%	4/14/24
30 Year USDA Purchase	6.95%	4/14/24
15 Year Conventional Purchase	6.35%	4/14/24
15 Year Conventional Refi	6.53%	4/14/24
15 Year Cash-out Refi	6.53%	4/14/24
These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

Oakstar Bank Mortgage Calculator

Purchase Price:

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% Deposit:

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This is not an official calculator from Oakstar Bank. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

The default purchase price is the median sales price across the US for 2022Q4, per FRED.

Originations

2,470

Origination Dollar Volume (All Markets)

$663,750,000

Employee count

286

Awards

Oakstar Bank 30 Year Conventional Loans silver

Oakstar Bank 30 Year Conventional Loans bronze

Oakstar Bank 30 Year Conventional Loans gold

Show all (15) awards

Top Markets

Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

Market	Originations	Total Value	Average Loan	Average Fees	Average Rate
SPRINGFIELD, MO (FHA\|USDA\|VA)	1,341	$339,745,000	$253,352	$2,421	3.14%
KANSAS CITY, MO-KS (FHA\|USDA\|VA)	618	$169,990,000	$275,065	$2,287	3.05%
Outside of Metro Areas	255	$50,015,000	$196,137	$2,257	3.60%
JOPLIN, MO (FHA\|USDA\|VA)	47	$22,465,000	$477,979	$2,340	3.57%
COLUMBIA, MO (FHA\|USDA\|VA)	14	$13,830,000	$987,857	$1,872	2.93%
Branson, MO (FHA\|USDA\|VA)	14	$7,680,000	$548,571	$2,518	3.60%
CAPE CORAL-FORT MYERS, FL (FHA\|USDA\|VA)	5	$4,485,000	$897,000	$2,259	3.54%
ST. LOUIS, MO-IL (FHA\|USDA\|VA)	10	$2,540,000	$254,000	$2,580	2.95%
PHOENIX-MESA-CHANDLER, AZ (FHA\|USDA\|VA)	7	$2,435,000	$347,857	$2,828	2.88%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA\|USDA\|VA)	3	$2,435,000	$811,667	$3,533	3.50%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA\|USDA\|VA)	4	$2,160,000	$540,000	$1,664	3.38%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA\|USDA\|VA)	4	$1,990,000	$497,500	$3,625	2.81%
DENVER-AURORA-LAKEWOOD, CO (FHA\|USDA\|VA)	4	$1,610,000	$402,500	$2,575	2.78%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA\|USDA\|VA)	4	$1,520,000	$380,000	$3,015	2.84%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA\|USDA\|VA)	3	$1,275,000	$425,000	$3,785	3.08%
North Port-Sarasota-Bradenton, FL (FHA\|USDA\|VA)	3	$1,235,000	$411,667	$5,033	2.90%
Dallas-Fort Worth-Arlington, TX (FHA\|USDA\|VA)	4	$1,180,000	$295,000	$3,501	2.91%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA\|USDA\|VA)	4	$1,130,000	$282,500	$2,656	2.59%
LAWRENCE, KS (FHA\|USDA\|VA)	4	$1,090,000	$272,500	$2,646	2.75%
ST. JOSEPH, MO-KS (FHA\|USDA\|VA)	5	$1,075,000	$215,000	$2,056	3.25%
MANHATTAN, KS (FHA\|USDA\|VA)	3	$1,045,000	$348,333	$3,094	2.79%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA\|USDA\|VA)	2	$1,040,000	$520,000	$3,179	3.00%
DURHAM-CHAPEL HILL, NC (FHA\|USDA\|VA)	4	$940,000	$235,000	$2,621	2.88%
WICHITA, KS (FHA\|USDA\|VA)	5	$895,000	$179,000	$2,622	2.95%
RALEIGH-CARY, NC (FHA\|USDA\|VA)	2	$870,000	$435,000	$3,443	2.88%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA\|USDA\|VA)	3	$855,000	$285,000	$2,884	2.83%
COLORADO SPRINGS, CO (FHA\|USDA\|VA)	2	$810,000	$405,000	$2,874	2.88%
Boston-Cambridge-Newton, MA-NH (FHA\|USDA\|VA)	2	$800,000	$400,000	$3,190	2.75%
BOISE CITY, ID (FHA\|USDA\|VA)	2	$800,000	$400,000	$3,597	3.00%
DES MOINES-WEST DES MOINES, IA (FHA\|USDA\|VA)	3	$795,000	$265,000	$2,164	2.92%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA\|USDA\|VA)	2	$760,000	$380,000	$3,408	2.69%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA\|USDA\|VA)	1	$735,000	$735,000	$10,849	2.88%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA\|USDA\|VA)	2	$710,000	$355,000	$2,444	2.63%
PITTSBURGH, PA (FHA\|USDA\|VA)	3	$695,000	$231,667	$3,611	3.00%
Detroit-Warren-Dearborn, MI (FHA\|USDA\|VA)	2	$680,000	$340,000	$2,585	3.13%
Lebanon, MO (FHA\|USDA\|VA)	6	$640,000	$106,667	$2,729	3.83%
San Francisco-Oakland-Berkeley, CA (FHA\|USDA\|VA)	1	$605,000	$605,000	$1,068	3.25%
Chicago-Naperville-Elgin, IL-IN-WI (FHA\|USDA\|VA)	2	$590,000	$295,000	$3,732	2.69%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA\|USDA\|VA)	2	$580,000	$290,000	$2,985	2.81%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA\|USDA\|VA)	2	$550,000	$275,000	$3,951	2.94%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA\|USDA\|VA)	3	$545,000	$181,667	$2,338	2.96%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA\|USDA\|VA)	2	$520,000	$260,000	$2,367	2.63%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA\|USDA\|VA)	1	$515,000	$515,000	$2,307	3.50%
Eureka-Arcata, CA (FHA\|USDA\|VA)	1	$505,000	$505,000	$3,564	3.25%
Sandpoint, ID (FHA\|USDA\|VA)	1	$475,000	$475,000	$3,245	3.00%
THE VILLAGES, FL (FHA\|USDA\|VA)	1	$475,000	$475,000	$4,995	2.75%
RICHMOND, VA (FHA\|USDA\|VA)	2	$470,000	$235,000	$2,197	2.75%
Concord, NH (FHA\|USDA\|VA)	1	$435,000	$435,000	$1,111	2.88%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA\|USDA\|VA)	1	$435,000	$435,000	$2,552	2.75%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA\|USDA\|VA)	1	$435,000	$435,000	$0	2.50%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA\|USDA\|VA)	2	$430,000	$215,000	$2,292	2.63%
GREELEY, CO (FHA\|USDA\|VA)	1	$425,000	$425,000	$2,797	2.50%
BURLINGTON-SOUTH BURLINGTON, VT (FHA\|USDA\|VA)	1	$425,000	$425,000	$2,905	2.38%
Alexandria, MN (FHA\|USDA\|VA)	1	$415,000	$415,000	$3,459	2.50%
FRESNO, CA (FHA\|USDA\|VA)	1	$405,000	$405,000	$5,481	2.75%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA\|USDA\|VA)	1	$395,000	$395,000	$2,893	3.25%
BATON ROUGE, LA (FHA\|USDA\|VA)	1	$395,000	$395,000	$4,001	2.75%
Seattle-Tacoma-Bellevue, WA (FHA\|USDA\|VA)	1	$395,000	$395,000	$3,400	2.88%
West Plains, MO (FHA\|USDA\|VA)	2	$390,000	$195,000	$1,987	3.38%
MOBILE, AL (FHA\|USDA\|VA)	1	$385,000	$385,000	$0	4.50%
ST. GEORGE, UT (FHA\|USDA\|VA)	1	$375,000	$375,000	$2,875	2.88%
NAPLES-MARCO ISLAND, FL (FHA\|USDA\|VA)	1	$375,000	$375,000	$4,671	2.50%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA\|USDA\|VA)	1	$375,000	$375,000	$3,221	2.88%
OWENSBORO, KY (FHA\|USDA\|VA)	1	$375,000	$375,000	$2,344	2.99%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA\|USDA\|VA)	1	$365,000	$365,000	$2,717	2.63%
BEND, OR (FHA\|USDA\|VA)	1	$365,000	$365,000	$4,579	2.38%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA\|USDA\|VA)	1	$355,000	$355,000	$5,824	2.75%
Ketchikan, AK (FHA\|USDA\|VA)	1	$355,000	$355,000	$3,769	3.50%
Heber, UT (FHA\|USDA\|VA)	1	$355,000	$355,000	$2,897	3.38%
LAS CRUCES, NM (FHA\|USDA\|VA)	1	$345,000	$345,000	$5,738	2.75%
SALISBURY, MD-DE (FHA\|USDA\|VA)	1	$315,000	$315,000	$3,562	3.00%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA\|USDA\|VA)	1	$305,000	$305,000	$2,415	3.13%
New York-Newark-Jersey City, NY-NJ-PA (FHA\|USDA\|VA)	1	$305,000	$305,000	$3,553	3.75%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA\|USDA\|VA)	1	$305,000	$305,000	$2,214	2.63%
JACKSONVILLE, FL (FHA\|USDA\|VA)	1	$285,000	$285,000	$3,960	3.25%
Warrensburg, MO (FHA\|USDA\|VA)	1	$275,000	$275,000	$1,972	2.38%
VICTORIA, TX (FHA\|USDA\|VA)	1	$275,000	$275,000	$3,975	3.38%
Hannibal, MO (FHA\|USDA\|VA)	1	$265,000	$265,000	$2,035	2.75%
DAYTON-KETTERING, OH (FHA\|USDA\|VA)	1	$265,000	$265,000	$2,713	2.88%
TOPEKA, KS (FHA\|USDA\|VA)	1	$255,000	$255,000	$2,545	3.13%
KNOXVILLE, TN (FHA\|USDA\|VA)	1	$245,000	$245,000	$2,808	2.63%
WILMINGTON, NC (FHA\|USDA\|VA)	1	$225,000	$225,000	$2,225	2.99%
SAN LUIS OBISPO-PASO ROBLES, CA (FHA\|USDA\|VA)	1	$215,000	$215,000	$1,887	3.00%
DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA\|USDA\|VA)	1	$195,000	$195,000	$2,108	3.25%
MILWAUKEE-WAUKESHA, WI (FHA\|USDA\|VA)	1	$195,000	$195,000	$1,522	3.13%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA\|USDA\|VA)	1	$195,000	$195,000	$2,216	3.25%
Fort Leonard Wood, MO (FHA\|USDA\|VA)	2	$190,000	$95,000	$0	4.63%
Harrison, AR (FHA\|USDA\|VA)	1	$165,000	$165,000	$2,453	3.13%
Ottawa, KS (FHA\|USDA\|VA)	1	$165,000	$165,000	$6,963	2.75%
Winfield, KS (FHA\|USDA\|VA)	1	$165,000	$165,000	$2,884	3.63%
Maryville, MO (FHA\|USDA\|VA)	1	$155,000	$155,000	$1,902	2.88%
MEMPHIS, TN-MS-AR (FHA\|USDA\|VA)	1	$145,000	$145,000	$2,047	2.50%
FAYETTEVILLE, NC (FHA\|USDA\|VA)	1	$145,000	$145,000	$1,976	2.88%
APPLETON, WI (FHA\|USDA\|VA)	1	$145,000	$145,000	$2,036	3.38%
KANKAKEE, IL (FHA\|USDA\|VA)	1	$135,000	$135,000	$2,381	2.75%
BLOOMINGTON, IL (FHA\|USDA\|VA)	1	$135,000	$135,000	$2,395	2.50%
KALAMAZOO-PORTAGE, MI (FHA\|USDA\|VA)	1	$105,000	$105,000	$2,502	2.75%
Rolla, MO (FHA\|USDA\|VA)	1	$105,000	$105,000	$1,492	2.63%
Greenville, OH (FHA\|USDA\|VA)	1	$85,000	$85,000	$3,064	2.88%

Oakstar Bank's top markets include Springfield, Kansas City, Joplin, Columbia, and Branson among others.

Their top states include:

Missouri (FHA|USDA|VA)

Kansas (FHA|USDA|VA)

Florida (FHA|USDA|VA)

California (FHA|USDA|VA)

Texas (FHA|USDA|VA)

Similar Lenders

We use machine learning to identify the top lenders compared against Oakstar Bank based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

Sullivan Bank
Similarity Rank: 154

HNB National Bank
Similarity Rank: 195

Azura Credit Union
Similarity Rank: 380

Southwest Missouri Bank
Similarity Rank: 403

FRONTIER COMMUNITY CREDIT UNION
Similarity Rank: 553

MAINSTREET FEDERAL CREDIT UNION
Similarity Rank: 592

Citizens Savings and Loan Association, FSB
Similarity Rank: 652

FirstTrust Home Loans, Inc.
Similarity Rank: 812

UNITED CONSUMERS CREDIT UNION
Similarity Rank: 825

First Community Bank
Similarity Rank: 925

Product Mix

Loan Type	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. Rate
Conventional	2,277	$622,115,000	$273,217	$2,247	3.17%
VA	89	$24,775,000	$278,371	$3,160	2.87%
FHA	62	$10,810,000	$174,355	$5,523	3.27%
USDA	42	$6,050,000	$144,048	$3,698	3.10%

For 2020, Oakstar Bank's most frequently originated type of loan was Conventional, with 2,277 originations. Their 2nd most popular type was VA, with 89 originations.

Loan Reason

Loan Reason	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. Rate
Refi	1,225	$332,455,000	$271,392	$2,127	2.99%
Home Purchase	1,050	$285,540,000	$271,943	$2,796	3.29%
Cash Out Refi	177	$41,285,000	$233,249	$2,331	3.43%
Home Improvement	14	$4,180,000	$298,571	$1,636	4.61%
Other	4	$290,000	$72,500	$1,410	5.52%

For 2020, Oakstar Bank's most frequently cited loan purpose was Refi, with 1,225 originations. The 2nd most popular reason was Home Purchase, with 1,050 originations.

Loan Duration/Length

Loan Length	Originations	Total Value	Average Loan	Average Fees	Average Rate
30 Year	1,727	$404,595,000	$234,276	$2,502	3.07%
15 Year	366	$76,240,000	$208,306	$2,159	2.80%
20 Year	172	$37,580,000	$218,488	$1,976	3.60%
5 Year	88	$90,520,000	$1,028,636	$634	4.38%
10 Year	50	$31,860,000	$637,200	$2,068	3.84%
Other	46	$18,050,000	$392,391	$1,859	4.01%
1 Year	14	$3,120,000	$222,857	$1,213	4.89%
3 Year	7	$1,785,000	$255,000	$0	4.81%

For 2020, Oakstar Bank's most frequently cited loan duration was 30 Year, with 1,727 originations. The 2nd most popular length was 15 Year, with 366 originations.

Origination Fees/Closing Costs

Origination Fee/Closing Cost	Originations	Total Value	Average Loan
$<1k	2,069	$480,375,000	$232,177
$1k-2k	43	$9,035,000	$210,116
$2k-3k	12	$2,390,000	$199,167
$5k+	5	$2,005,000	$401,000
$3k-4k	1	$495,000	$495,000
$4k-5k	1	$385,000	$385,000

Oakstar Bank's average total fees were $2,502, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 2,069 originations.

Interest Rates

Loan Rate	Originations	Total Value	Average Loan
2.5-3%	1,019	$260,505,000	$255,648
3-4%	797	$234,855,000	$294,674
<2.5%	360	$84,860,000	$235,722
4-5%	244	$78,510,000	$321,762
5-6%	42	$4,080,000	$97,143
6-7%	7	$665,000	$95,000
Over 8%	1	$275,000	$275,000

During 2020, Oakstar Bank's average interest rate for loans was 3.07%, while their most frequently originated rate bucket for loans was 2.5-3%, with 1,019 originations.

Loan Sizing

Loan Size	Originations	Total Value	Average Loan	Average Fees	Average Rate
$200k-400k	1,008	$279,840,000	$277,619	$2,499	3.00%
$100k-200k	904	$135,330,000	$149,701	$2,259	3.13%
$100,000 or less	292	$20,250,000	$69,349	$1,948	3.83%
$400k-600k	215	$99,265,000	$461,698	$2,958	3.00%
$1MM+	33	$114,515,000	$3,470,152	$2,486	3.81%
$600k-1MM	18	$14,550,000	$808,333	$4,156	3.95%

2020 saw Oakstar Bank place emphasis on $200k-400k loans with 1,008 originations, totaling $279,840,000 in origination value.

Applicant Income

Applicant Income	Originations	Total Value	Average Loan	Average Fees	Average Rate
$100k-150k	522	$136,920,000	$262,299	$2,390	3.06%
$50k-75k	516	$90,950,000	$176,260	$2,403	3.14%
$75k-100k	368	$78,710,000	$213,886	$2,413	3.07%
$50k or less	331	$41,865,000	$126,480	$2,325	3.22%
$150k-250k	314	$92,030,000	$293,089	$2,563	3.01%
$250k+	139	$50,655,000	$364,424	$2,651	3.04%

Oakstar Bank lent most frequently to those with incomes in the $100k-150k range, with 522 originations. The second most popular income band? $50k-75k, with 516 originations.

Applicant Debt to Income Ratio

DTI Ratio	Originations	Total Value	Average Loan	Average Fees	Average Rate
20-30%	636	$142,830,000	$224,575	$2,283	3.00%
30-36%	411	$93,235,000	$226,849	$2,406	3.06%
<20%	319	$71,525,000	$224,216	$2,193	2.92%
42%	80	$17,700,000	$221,250	$2,580	3.06%
37%	75	$15,965,000	$212,867	$2,312	3.18%
39%	74	$17,520,000	$236,757	$2,870	3.06%
41%	73	$16,555,000	$226,781	$2,570	3.06%
44%	67	$14,645,000	$218,582	$2,673	3.09%
36%	67	$14,115,000	$210,672	$2,406	3.14%
38%	62	$13,270,000	$214,032	$2,455	3.06%
40%	58	$13,470,000	$232,241	$2,373	3.15%
43%	55	$14,785,000	$268,818	$2,592	3.07%
45%	54	$13,050,000	$241,667	$2,691	3.06%
49%	38	$7,950,000	$209,211	$2,633	3.09%
47%	35	$7,775,000	$222,143	$2,749	2.97%
48%	30	$7,690,000	$256,333	$2,668	3.03%
46%	30	$7,690,000	$256,333	$2,420	3.05%
50-60%	15	$3,665,000	$244,333	$4,659	3.35%
>60%	1	$365,000	$365,000	$1,382	5.00%

Oakstar Bank lent most frequently to those with DTI ratios of 20-30%, with 636 originations. The next most common DTI ratio? 30-36%, with 411 originations.

Ethnicity Mix

Applicant Ethnicity	Originations	Total Value	Average Loan	Average Fees	Average Rate
White	2,151	$482,775,000	$224,442	$2,404	3.08%
Not applicable	185	$147,835,000	$799,108	$0	4.31%
Not provided	61	$13,835,000	$226,803	$2,411	2.86%
Asian	27	$8,175,000	$302,778	$2,636	3.01%
Black	28	$6,670,000	$238,214	$2,633	3.21%
American Indian	8	$2,320,000	$290,000	$2,243	2.74%
Asian Indian	6	$1,420,000	$236,667	$2,242	2.75%
Vietnamese	2	$320,000	$160,000	$0	4.00%
Other Asian	1	$215,000	$215,000	$2,706	2.50%
Native Hawaiian or Islander	1	$185,000	$185,000	$1,791	2.75%

Approval Rates

Total approvals of all applications
95.90%

Oakstar Bank has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.

Pick Rate

Approvals leading to origination
80.61%

Oakstar Bank has a below average pick rate.

Points and Fees

Points	Originations	Total Value	Average Loan
NA	2,470	$663,750,000	$268,725

Occupancy Type Mix

Dwelling Type	Originations	Total Value	Average Loan
Multifamily:Site-Built	65	$121,155,000	$1,863,923
Single Family (1-4 Units):Manufactured	21	$1,625,000	$77,381
Single Family (1-4 Units):Site-Built	2,384	$540,970,000	$226,917

LTV Distribution

Loan to Value	Originations	Total Value	Average Loan	Average Fees	Average Rate
20-40%	100	$16,090,000	$160,900	$2,073	3.21%
40-60%	363	$80,345,000	$221,336	$2,177	2.99%
60-80%	1,061	$344,555,000	$324,746	$2,215	3.19%
80-100%	921	$217,545,000	$236,205	$2,677	3.18%
Over 100%	17	$3,815,000	$224,412	$6,272	3.18%
Under 20%	7	$725,000	$103,571	$1,060	4.45%

Complaints

Bank Name	Product	Issue	2020 CPFB Complaints	% of Total Issues
OAKTREE FUNDING CORPORATION	Conventional home mortgage	Trouble during payment process	1	100.0%

Bank Details

Branches

Bank Name	Branch	Branch Type	Deposits (000's)
Oakstar Bank	5127 Osage Beach Parkway Osage Beach, MO 65065	Full Service B&M	$16,117
Oakstar Bank	101 North Maple Street Buffalo, MO 65622	Full Service B&M	$1,393
Oakstar Bank	1020 E Battlefield St Springfield, MO 65807	Full Service B&M	$416,792
Oakstar Bank	109 N. Main St Urbana, MO 65767	Full Service B&M	$60,833
Oakstar Bank	1108 South Ash Street Buffalo, MO 65622	Full Service B&M	$32,433
Oakstar Bank	117 North State Highway 5 Camdenton, MO 65020	Full Service B&M	$120,152
Oakstar Bank	1313 N. 2nd Street Clinton, MO 64735	Full Service B&M	$54,582
Oakstar Bank	1335 East Us Highway 54 Camdenton, MO 65020	Full Service B&M	$3,497
Oakstar Bank	14469 West Us Highway 54 Macks Creek, MO 65786	Full Service B&M	$21,173
Oakstar Bank	15774 North State Highway 5 Sunrise Beach, MO 65079	Full Service B&M	$15,589
Oakstar Bank	1831 E 20th Street Joplin, MO 64804	Full Service B&M	$4,704
Oakstar Bank	2128 Bagnell Dam Blvd. Lake Ozark, MO 65049	Full Service B&M	$16,082
Oakstar Bank	340 S Springfield Ave Bolivar, MO 65613	Full Service B&M	$67,926
Oakstar Bank	3620 East Sunshine Street Springfield, MO 65809	Full Service B&M	$93,590
Oakstar Bank	6285 W 135th St, Ste 330 Overland Park, KS 66223	Full Service B&M	$20,613
Oakstar Bank	U.S. Highway 54 And Lakeshore Drive Hermitage, MO 65668	Full Service B&M	$88,321

For 2020, Oakstar Bank had 16 branches.

Yearly Performance Overview

Bank Income

Item	Value (in 000's)
Total interest income	$48,156
Net interest income	$40,562
Total noninterest income	$23,648
Gross Fiduciary activities income	$0
Service charges on deposit accounts	$1,266
Trading account gains and fees	$0
Additional Noninterest Income	$22,382
Pre-tax net operating income	$14,614
Securities gains (or losses, -)	$0
Income before extraordinary items	$12,021
Discontinued Operations (Extraordinary gains, net)	$0
Net income of bank and minority interests	$12,021
Minority interest net income	$0
Net income	$12,021
Sale, conversion, retirement of capital stock, net	$11,000
Net operating income	$12,021

Oakstar Bank's gross interest income from loans was $48,156,000.
Oakstar Bank's net interest income from loans was $40,562,000.
Oakstar Bank's fee based income from loans was $1,266,000.
Oakstar Bank's net income from loans was $12,021,000.

Bank Expenses

Item	Value (in 000's)
Total interest expense	$7,594
Provision for credit losses	$6,133
Total noninterest expense	$43,463
Salaries and employee benefits	$30,556
Premises and equipment expense	$3,295
Additional noninterest expense	$9,612
Applicable income taxes	$2,593
Net charge-offs	$1,430
Cash dividends	$0

Oakstar Bank's interest expense for loans was $7,594,000.
Oakstar Bank's payroll and benefits expense were $30,556,000.
Oakstar Bank's property, plant and equipment expenses $3,295,000.

Loan Performance

Type of Loan	% of Loans Noncurrent (30+ days, end of period snapshot)
All loans	0.0%
Real Estate loans	0.0%
Construction & Land Development loans	0.0%
Nonfarm, nonresidential loans	0.0%
Multifamily residential loans	0.0%
1-4 family residential loans	0.0%
HELOC loans	0.0%
All other family	0.0%
Commercial & industrial loans	0.0%
Personal loans	0.0%
Credit card loans	0.0%
Other individual loans	0.0%
Auto loans	0.0%
Other consumer loans	0.0%
Unsecured commercial real estate loans	0.0%

Deposits

Type	Value (in 000's)
Total deposits	$1,290,028
Deposits held in domestic offices	$1,290,028
Deposits by Individuals, partnerships, and corporations	$1,275,237
Deposits by U.S. Government	$0
Deposits by States and political subdivisions in the U.S.	$14,542
Deposits by Commercial banks and other depository institutions in U.S.	$249
Deposits by Banks in foreign countries	$0
Deposits by Foreign governments and official institutions	$0
Transaction accounts	$508,736
Demand deposits	$271,683
Nontransaction accounts	$781,292
Money market deposit accounts (MMDAs)	$402,705
Other savings deposits (excluding MMDAs)	$101,710
Total time deposits	$276,876
Total time and savings deposits	$1,018,345
Noninterest-bearing deposits	$181,768
Interest-bearing deposits	$1,108,260
Retail deposits	$1,153,448
IRAs and Keogh plan accounts	$24,066
Brokered deposits	$89,630
Deposits held in foreign offices	$0

Assets

Asset	Value (in 000's)
Total Assets	$1,442,501
Cash & Balances due from depository institutions	$148,173
Interest-bearing balances	$141,495
Total securities	$23,711
Federal funds sold & reverse repurchase	$0
Net loans and leases	$1,164,314
Loan and leases loss allowance	$15,536
Trading account assets	$0
Bank premises and fixed assets	$39,975
Other real estate owned	$522
Goodwill and other intangibles	$11,957
All other assets	$53,849

Liabilities

Liabilities	Value (in 000's)
Total liabilities and capital	$1,442,500
Total Liabilities	$1,304,843
Total deposits	$1,290,028
Interest-bearing deposits	$1,108,260
Deposits held in domestic offices	$1,290,028
% insured (estimated)	$77
Federal funds purchased and repurchase agreements	$0
Trading liabilities	$0
Other borrowed funds	$0
Subordinated debt	$0
All other liabilities	$14,815

Issued Loan Types

Type	Value (in 000's)
Net loans and leases	$1,164,314
Loan and leases loss allowance	$15,536
Total loans and leases (domestic)	$1,179,850
All real estate loans	$898,614
Real estate loans in domestic offices	$898,614
Construction and development loans	$96,772
Residential 1-4 family construction	$28,038
Other construction, all land development and other land	$68,734
Loans secured by nonfarm nonresidential properties	$344,589
Nonfarm nonresidential secured by owner-occupied properties	$166,711
Commercial real estate & other non-farm, non-residential	$177,878
Multifamily residential real estate	$66,390
1-4 family residential loans	$295,483
Farmland loans	$95,380
Loans held in foreign offices	$0
Farm loans	$21,064
Commercial and industrial loans	$233,788
To non-U.S. addressees	$0
Loans to individuals	$15,007
Credit card loans	$456
Related Plans	$506
Consumer Auto Loans	$6,027
Other loans to individuals	$8,018
All other loans & leases	$11,377
Loans to foreign governments and official institutions	$0
Other loans	$576
Loans to depository institutions and acceptances of other banks	$0
Loans not secured by real estate	$4,179
Loans secured by real estate to non-U.S. addressees	$0
Restructured Loans & leases	$13,635
Non 1-4 family restructured loans & leases	$13,050
Total loans and leases (foreign)	$0

Oakstar Bank had $1,164,314,000 of loans outstanding in 2020. $898,614,000 of loans were in real estate loans. $96,772,000 of loans were in development loans. $66,390,000 of loans were in multifamily mortgage loans. $295,483,000 of loans were in 1-4 family mortgage loans. $21,064,000 of loans were in farm loans. $456,000 of loans were in credit card loans. $6,027,000 of loans were in the auto loan category.

Small Business Loans

Categorization	# of Loans in Category	$ amount of loans (in 000's)	Average $/loan
Nonfarm, nonresidential loans - <$1MM	375	$89,323	$238,195
Nonfarm, nonresidential loans - <$100k	89	$3,553	$39,921
Nonfarm, nonresidential loans - $100-250k	110	$14,884	$135,309
Nonfarm, nonresidential loans - $250k-1MM	176	$70,886	$402,761
Commercial & Industrial, US addressed loans - <$1MM	1,431	$99,901	$69,812
Commercial & Industrial, US addressed loans - <$100k	1,030	$22,401	$21,749
Commercial & Industrial, US addressed loans - $100-250k	196	$21,895	$111,709
Commercial & Industrial, US addressed loans - $250k-1MM	205	$55,605	$271,244
Farmland loans - <$1MM	354	$39,011	$110,201
Farmland loans - <$100k	180	$7,474	$41,522
Farmland loans - $100-250k	119	$15,605	$131,134
Farmland loans - $250k-1MM	55	$15,932	$289,673
Agriculture operations loans - <$1MM	461	$16,754	$36,343
Agriculture operations loans - <$100k	406	$7,831	$19,288
Agriculture operations loans - $100-250k	39	$4,172	$106,974
Agriculture operations loans - $250k-1MM	16	$4,751	$296,938