STAR Financial Bank
STAR Financial Bank received 1,578 applications in 2025 and made 897 mortgages, in 69 counties across 9 states. The median rate its borrowers got was 6.125% on a median loan of $95,000. Of 1,446 decisions, 436 were denials — 30.2%, most often for debt-to-income ratio. 1 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | LBIZXW7X2N50PETIH863 |
|---|---|
| Applications received | 1,578 |
| Mortgages made | 897 |
| Denied | 436 |
| Approved, not taken up | 113 |
| Withdrawn or incomplete | 132 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.1475 points |
| FDIC-insured bank | Yes: STAR Financial Bank, 37 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 226 | 6.250% | $230,000 | 12.9% |
| Refinancing | 32 | 6.250% | $265,000 | 23.3% |
| Cash-out refinancing | 296 | 6.125% | $75,000 | 30.3% |
| Other purposes | 343 | 5.490% | $65,000 | 39.4% |
Where STAR Financial Bank lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Allen County, IN | 130 | 6.125% | 24.1% |
| Madison County, IN | 104 | 6.688% | 35.4% |
| Hamilton County, IN | 88 | 6.000% | 20.2% |
| Delaware County, IN | 75 | 5.490% | 30.8% |
| Grant County, IN | 74 | 6.375% | 41.5% |
| Marion County, IN | 62 | 6.000% | 29.3% |
| Howard County, IN | 56 | 6.313% | 32.6% |
| Whitley County, IN | 51 | 5.875% | 12.5% |
| Henry County, IN | 45 | 6.125% | 46.7% |
| Tipton County, IN | 36 | 6.250% | 28.6% |
| Steuben County, IN | 29 | 6.000% | 22.0% |
| Hancock County, IN | 22 | 5.808% | 53.1% |
| Boone County, IN | 21 | 6.000% | 10.3% |
| Noble County, IN | 7 | Under 10 loans | 38.5% |
| Blackford County, IN | 5 | Under 10 loans | 28.6% |
| DeKalb County, IN | 5 | Under 10 loans | 16.7% |
| Wabash County, IN | 5 | Under 10 loans | 45.5% |
| Wells County, IN | 5 | Under 10 loans | 28.6% |
| LaGrange County, IN | 4 | Under 10 loans | 20.0% |
| Miami County, IN | 4 | Under 10 loans | 20.0% |
| Tippecanoe County, IN | 4 | Under 10 loans | 0.0% |
| Adams County, IN | 3 | Under 10 loans | 25.0% |
| Brown County, IN | 3 | Under 10 loans | 25.0% |
| Hendricks County, IN | 3 | Under 10 loans | 57.1% |
| Huntington County, IN | 3 | Under 10 loans | 0.0% |
| Monroe County, IN | 3 | Under 10 loans | 0.0% |
| Randolph County, IN | 3 | Under 10 loans | 25.0% |
| Carroll County, IN | 2 | Under 10 loans | 0.0% |
| Cass County, IN | 2 | Under 10 loans | 0.0% |
| Elkhart County, IN | 2 | Under 10 loans | 33.3% |
| Johnson County, IN | 2 | Under 10 loans | 25.0% |
| Kosciusko County, IN | 2 | Under 10 loans | 33.3% |
| Lake County, IN | 2 | Under 10 loans | 33.3% |
| Montgomery County, IN | 2 | Under 10 loans | 0.0% |
| Morgan County, IN | 2 | Under 10 loans | 0.0% |
| Putnam County, IN | 2 | Under 10 loans | 0.0% |
| Rush County, IN | 2 | Under 10 loans | 0.0% |
| Shelby County, IN | 2 | Under 10 loans | 25.0% |
| Wayne County, IN | 2 | Under 10 loans | 60.0% |
| Maricopa County, AZ | 1 | Under 10 loans | 0.0% |
| Lee County, FL | 1 | Under 10 loans | 0.0% |
| Marion County, FL | 1 | Under 10 loans | 0.0% |
| Okaloosa County, FL | 1 | Under 10 loans | 0.0% |
| Bartholomew County, IN | 1 | Under 10 loans | 0.0% |
| Decatur County, IN | 1 | Under 10 loans | 0.0% |
| Fayette County, IN | 1 | Under 10 loans | 0.0% |
| Fountain County, IN | 1 | Under 10 loans | 0.0% |
| Fulton County, IN | 1 | Under 10 loans | 0.0% |
| LaPorte County, IN | 1 | Under 10 loans | 0.0% |
| Owen County, IN | 1 | Under 10 loans | 0.0% |
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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.