Megastar Financial Corp.: 2025 mortgage rates, costs & approvals
How Megastar Financial Corp. priced and approved home loans in 2025, measured against every lender in the official HMDA records.
HMDA legal name: MEGASTAR FINANCIAL CORP. · LEI 549300WKFR15017V9850
In 2025, Megastar Financial Corp. originated 991 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 23 states — 467th by volume among the 2,017 lenders profiled here.
On conventional 30-year fixed purchase loans its median rate was 6.625% (all lenders: 6.625%); its median rate spread was 6 basis points above the national median. Median conventional loan costs were $4,780, 14% lower than the national median ($5,570).
It denied 2.5% of completed home-purchase applications (all lenders: 8.5%).
How Megastar Financial Corp. priced home-purchase loans
| Purchase loans, 2025 | Megastar Financial Corp. | All lenders |
|---|---|---|
| 30-year fixed rate · conventional | 6.625% | 6.625% |
| 30-year fixed rate · FHA | 6.375% | 6.250% |
| 30-year fixed rate · VA | 6.125% | 6.125% |
| 15-year fixed rate · conventional | — | 5.875% |
| Rate spread vs. APOR · conventional | +0.19 pts | +0.13 pts |
| Total loan costs · conventional | $4,780 | $5,570 |
| Total loan costs · FHA | $11,720 | $11,310 |
| Total loan costs · VA | $7,670 | $6,490 |
| Origination charges (all types) | $1,490 | $1,860 |
| Borrowers paying discount points | 56.1% | 51.3% |
| Points paid, when paid (% of loan) | 0.74% | 0.87% |
| Borrowers receiving lender credits | 99.5% | 33.1% |
Medians shown with at least 20 loans. A lender's numbers reflect its borrowers (credit, down payment, loan size, location) as well as its pricing; HMDA has no credit scores. Rate spread = APR minus the average prime offer rate on the lock date, which removes most of the effect of when the rate was locked.
Loan mix and borrowers
By loan type
By purpose
Why Megastar Financial Corp. denied purchase applications
First reason the lender reported for each denied home-purchase application.
Where Megastar Financial Corp. lends
| State | Loans | Applications | Purchase denial rate | 30-yr rate* | Loan costs* |
|---|---|---|---|---|---|
| Colorado | 433 | 444 | 2.7% | 6.625% | $4,280 |
| Minnesota | 186 | 187 | 0.0% | 6.750% | $5,230 |
| Missouri | 143 | 146 | 2.4% | 6.750% | $3,760 |
| California | 72 | 73 | 1.6% | 6.500% | $6,700 |
| Maine | 54 | 58 | 9.3% | — | — |
| Washington | 19 | 19 | — | — | — |
| Kansas | 16 | 17 | — | — | — |
| Florida | 12 | 12 | — | — | — |
| Arizona | 7 | 7 | — | — | — |
| New Hampshire | 6 | 6 | — | — | — |
| Nevada | 6 | 6 | — | — | — |
| Wisconsin | 5 | 7 | — | — | — |
| Idaho | 5 | 5 | — | — | — |
| Massachusetts | 5 | 5 | — | — | — |
| Texas | 5 | 5 | — | — | — |
| Georgia | 4 | 4 | — | — | — |
| Iowa | 4 | 4 | — | — | — |
| Wyoming | 3 | 3 | — | — | — |
| Tennessee | 2 | 2 | — | — | — |
| Nebraska | 1 | 2 | — | — | — |
| Alabama | 1 | 1 | — | — | — |
| North Carolina | 1 | 1 | — | — | — |
| New Mexico | 1 | 1 | — | — | — |
*Conventional home-purchase loans, medians with at least 20 loans. Linked state names open Megastar Financial Corp.'s page for that state.
Counties where Megastar Financial Corp. is a top lender
| County | Rank | Loans | Market share |
|---|---|---|---|
| Mitchell County, KS | 16 | 1 | 2.7% |
| Mille Lacs County, MN | 11 | 10 | 2.3% |
| Summit County, CO | 13 | 10 | 2.0% |
| Shasta County, CA | 13 | 37 | 1.9% |
| Clear Creek County, CO | 20 | 3 | 1.7% |
| Lincoln County, CO | 25 | 1 | 1.6% |
| Kanabec County, MN | 24 | 3 | 1.4% |
| Siskiyou County, CA | 19 | 5 | 1.3% |
| Wilkin County, MN | 25 | 1 | 1.3% |
| Brown County, KS | 24 | 1 | 1.2% |
| Platte County, MO | 23 | 22 | 1.2% |
| Clay County, MO | 22 | 50 | 1.1% |
Check Megastar Financial Corp. yourself
- FFIEC HMDA Data Browser — the official 2025 records filed under LEI 549300WKFR15017V9850.
- NMLS Consumer Access — confirm the company and loan officer are licensed in your state.
- CFPB Consumer Complaint Database — search complaints by company name.
- Compare your Loan Estimate from Megastar Financial Corp. with similar 2025 loans.
This is a statistical profile, not a review or recommendation. HMDA data alone cannot show whether a lender complies with fair-lending laws, and a lender's medians depend on the borrowers it serves.
Lenders of similar size
Source: FFIEC/CFPB HMDA 2025 public LAR and filer list. Core segment: owner-occupied, single-family site-built, first-lien, closed-end purchase and refinance loans. Methodology