Star Financial Bank: 2025 mortgage rates, costs & approvals
How Star Financial Bank priced and approved home loans in 2025, measured against every lender in the official HMDA records.
HMDA legal name: STAR Financial Bank · LEI LBIZXW7X2N50PETIH863
In 2025, Star Financial Bank originated 276 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 7 states — 1036th by volume among the 2,017 lenders profiled here.
On conventional 30-year fixed purchase loans its median rate was 6.875% (all lenders: 6.625%); its median rate spread was in line with the national median. Median conventional loan costs were $2,810, 50% lower than the national median ($5,570).
It denied 13.2% of completed home-purchase applications (all lenders: 8.5%).
How Star Financial Bank priced home-purchase loans
| Purchase loans, 2025 | Star Financial Bank | All lenders |
|---|---|---|
| 30-year fixed rate · conventional | 6.875% | 6.625% |
| 30-year fixed rate · FHA | — | 6.250% |
| 30-year fixed rate · VA | — | 6.125% |
| 15-year fixed rate · conventional | — | 5.875% |
| Rate spread vs. APOR · conventional | +0.12 pts | +0.13 pts |
| Total loan costs · conventional | $2,810 | $5,570 |
| Total loan costs · FHA | — | $11,310 |
| Total loan costs · VA | — | $6,490 |
| Origination charges (all types) | $980 | $1,860 |
| Borrowers paying discount points | 3.0% | 51.3% |
| Points paid, when paid (% of loan) | — | 0.87% |
| Borrowers receiving lender credits | 51.8% | 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 Star Financial Bank denied purchase applications
First reason the lender reported for each denied home-purchase application.
Where Star Financial Bank lends
| State | Loans | Applications | Purchase denial rate | 30-yr rate* | Loan costs* |
|---|---|---|---|---|---|
| Indiana | 271 | 405 | 13.1% | 6.875% | $2,780 |
| Ohio | 2 | 2 | — | — | — |
| Kentucky | 1 | 2 | — | — | — |
| North Carolina | 1 | 1 | — | — | — |
| Tennessee | 1 | 1 | — | — | — |
| Michigan | 0 | 1 | — | — | — |
| Nevada | 0 | 1 | — | — | — |
*Conventional home-purchase loans, medians with at least 20 loans. Linked state names open Star Financial Bank's page for that state.
Counties where Star Financial Bank is a top lender
| County | Rank | Loans | Market share |
|---|---|---|---|
| Tipton County, IN | 4 | 14 | 5.5% |
| Grant County, IN | 9 | 20 | 2.7% |
| Whitley County, IN | 11 | 12 | 2.1% |
| Howard County, IN | 15 | 24 | 1.6% |
| Blackford County, IN | 25 | 2 | 1.4% |
| Steuben County, IN | 17 | 6 | 1.4% |
| Henry County, IN | 20 | 9 | 1.3% |
| Madison County, IN | 21 | 26 | 1.2% |
| Delaware County, IN | 25 | 12 | 0.8% |
Check Star Financial Bank yourself
- FFIEC HMDA Data Browser — the official 2025 records filed under LEI LBIZXW7X2N50PETIH863.
- 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 Star Financial Bank 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