OakStar Bank reported 167 applications for homes in Colorado in the HMDA data of 2025.
It originated 126 loans in the state in 2025, for $43.8 million in total.
The median interest rate of these loans in 2025 was 6.375%, and the median of all lenders in Colorado was 6.250%.
The median total loan costs in 2025 were $3,178, and the state median was $6,099.
It denied 10.5% of the applications that it decided in the state in 2025, and the state denial rate was 19.7%.
Filed figures of OakStar Bank in Colorado, 2025
Figure
In CO
Lender, all states
CO, all lenders
Applications
167
1,149
260,604
Loans originated
126
974
156,418
Median interest rate
6.375%
6.500%
6.250%
Median total loan costs
$3,178
$2,808
$6,099
Denial rate
10.5%
4.7%
19.7%
HMDA data are generally not used alone to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions.
Pricing medians of OakStar Bank in Colorado, 2025Each value has the median of all lenders in Colorado under it.
Loans
Loans in the medians
Interest rate
Total loan costs
Origination charges
Discount points, of the loans with points
Lender credits, of the loans with credits
Rate spread, points
All loans in CO
29
6.375%CO 6.250%
$3,178CO $6,099
$1,040CO $2,431
n/aCO $3,887
$198CO $700
−0.203CO 0.014
Medians are for originated closed-end loans with a first lien. Reverse mortgages, open-end lines of credit and loans for a business purpose are not in the medians. A median needs 20 loans.
The median rate spread was 0.203 percentage points below the average prime offer rate. On a loan of $300,000, that is about $609 less a year, or $51 less a month.
The dollar amount is a simple interest approximation: the rate spread times the full loan amount for one year. The balance of a loan decreases with each payment, and an APR includes some fees, so the amount for a real loan is different.
Federal Financial Institutions Examination Council and Consumer Financial Protection Bureau, Home Mortgage Disclosure Act data, 2025
Data date
HMDA year . Page made .
Provenance
The figures come from the public HMDA loan/application register of 2022 to 2025. They are the records of this LEI for homes in Colorado. This site withholds a figure with fewer than 25 applications. Method of the figures. Terms. Report an error.
Questions
What share of the loans of OakStar Bank were in Colorado in 2025?
126 of its loans originated, out of 974 in all states. That is 12.9%.
In which counties of Colorado did OakStar Bank originate the most loans in 2025?
Only one county has 50 applications or more of the lender: Mesa County, with 79 loans originated.
Which loan types did OakStar Bank originate in Colorado in 2025?
123 conventional, 1 FHA and 2 VA.
How did the applications of OakStar Bank in Colorado change from 2022 to 2025?
It reported 84 applications in 2022 and 167 in 2025.