Purchase Originations
330
Median Total Costs
$2,893
−56.7% vs national ($6,680)
↑ $172 vs prior year
Median Rate
6.562%
+1.1% vs national (6.490%)
↓ 0.063% vs prior year
Median Origination
$840
Median Lender Credits
$52
Denial Rate
2.2%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 297 | 6.625% | $2,834 | $840 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Missouri | 268 | 6.625% | $2,877 | #44 |
| Kansas | 34 | 6.500% | $2,700 | — |
| Colorado | 22 | 6.500% | $3,196 | — |
| Texas | 2 | 7.062% | $3,539 | — |
| Michigan | 1 | 6.625% | $3,430 | — |
| New Mexico | 1 | 6.500% | $7,345 | — |
| Oklahoma | 1 | 6.375% | $5,321 | — |
| South Carolina | 1 | 6.750% | $4,134 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $1,643 | 6.500% | — | 3 | −$1,250 | |
| 2 | $1,920 | 6.750% | — | 5 | −$973 | |
| 3 | $2,132 | 6.995% | — | 28 | −$761 | |
| 4 | $2,381 | 7.250% | — | 5 | −$512 | |
| 5 | $2,410 | 6.500% | — | 28 | −$483 | |
| 6 | $2,711 | 5.990% | — | 6 | −$182 | |
| 7 | $2,711 | 6.500% | — | 3 | −$182 | |
| 8 | $2,714 | 6.500% | — | 22 | −$179 | |
| 9 | $2,733 | 6.500% | — | 15 | −$160 | |
| 10 | $2,792 | 6.625% | — | 23 | −$101 | |
| 11 | $2,800 | 6.875% | — | 15 | −$93 | |
| 12 | $2,905 | 6.312% | — | 4 | +$12 | |
| 13 | $2,953 | 6.438% | — | 4 | +$60 | |
| 14 | $2,963 | 6.500% | — | 63 | +$70 | |
| 15 | $3,021 | 6.250% | — | 5 | +$128 | |
| 16 | $3,079 | 6.500% | — | 36 | +$186 | |
| 17 | $3,129 | 6.438% | — | 14 | +$236 | |
| 18 | $3,233 | 6.933% | — | 12 | +$340 | |
| 19 | $3,276 | 6.250% | — | 3 | +$383 | |
| 20 | $4,493 | 6.812% | — | 2 | +$1,600 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Oakstar Bank | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $260,000 | $335,000 | −$75,000 (−22.4%) |
| Median total closing costs | $2,893 | $7,127 | −$4,234 (−59.4%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.