Five Star Bank
Five Star Bank received 988 applications in 2025 and made 702 mortgages, in 26 counties across 2 states. The median rate its borrowers got was 6.750% on a median loan of $145,000. Of 826 decisions, 105 were denials — 12.7%, most often for debt-to-income ratio.
| Legal Entity Identifier | 5493006LH4LKHY2EIN26 |
|---|---|
| Applications received | 988 |
| Mortgages made | 702 |
| Denied | 105 |
| Approved, not taken up | 19 |
| Withdrawn or incomplete | 162 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.531 points |
| FDIC-insured bank | Yes: Five Star Bank, 48 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 379 | 6.500% | $215,000 | 5.8% |
| Refinancing | 107 | 7.625% | $125,000 | 7.5% |
| Cash-out refinancing | 12 | 6.625% | $225,000 | 7.7% |
| Other purposes | 204 | 8.750% | $55,000 | 25.6% |
Where Five Star Bank lends most
The 26 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Erie County, NY | 216 | 6.625% | 11.9% |
| Monroe County, NY | 112 | 6.875% | 11.4% |
| Ontario County, NY | 58 | 6.625% | 4.9% |
| Wyoming County, NY | 50 | 8.250% | 16.4% |
| Cattaraugus County, NY | 45 | 6.875% | 19.3% |
| Livingston County, NY | 39 | 8.125% | 2.5% |
| Niagara County, NY | 33 | 6.500% | 8.1% |
| Genesee County, NY | 25 | 7.875% | 24.2% |
| Steuben County, NY | 19 | 7.250% | 19.2% |
| Allegany County, NY | 17 | 6.750% | 29.2% |
| Seneca County, NY | 15 | 7.000% | 6.3% |
| Orleans County, NY | 14 | 8.438% | 6.3% |
| Yates County, NY | 14 | 7.000% | 6.7% |
| Chemung County, NY | 10 | 7.000% | 15.4% |
| Chautauqua County, NY | 9 | Under 10 loans | 16.7% |
| Cayuga County, NY | 6 | Under 10 loans | 14.3% |
| Wayne County, NY | 6 | Under 10 loans | 14.3% |
| Broome County, NY | 3 | Under 10 loans | 25.0% |
| Onondaga County, NY | 3 | Under 10 loans | 0.0% |
| Howard County, MD | 2 | Under 10 loans | 0.0% |
| Schuyler County, NY | 2 | Under 10 loans | 33.3% |
| Tioga County, NY | 2 | Under 10 loans | 0.0% |
| Oswego County, NY | 1 | Under 10 loans | 0.0% |
| Tompkins County, NY | 1 | Under 10 loans | 0.0% |
| Otsego County, NY | 0 | Under 10 loans | Not published |
| St. Lawrence County, NY | 0 | Under 10 loans | 100.0% |
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When Five Star Bank’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.