STARK
STARK received 128 applications in 2025 and made 112 mortgages, in 9 counties across 2 states. The median rate its borrowers got was 7.740% on a median loan of $55,000. Of 116 decisions, 4 were denials — 3.5%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300U1BTGE4PJ8EK24 |
|---|---|
| Applications received | 128 |
| Mortgages made | 112 |
| Denied | 4 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 12 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 1.525 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 9 | Under 10 loans | Under 10 loans | 10.0% |
| Refinancing | 11 | 7.865% | $45,000 | 0.0% |
| Cash-out refinancing | 92 | 7.740% | $55,000 | 3.2% |
Where STARK lends most
The 9 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Stark County, OH | 93 | 7.740% | 4.1% |
| Carroll County, OH | 6 | Under 10 loans | 0.0% |
| Summit County, OH | 4 | Under 10 loans | 0.0% |
| Mahoning County, OH | 3 | Under 10 loans | 0.0% |
| Columbiana County, OH | 2 | Under 10 loans | 0.0% |
| Okaloosa County, FL | 1 | Under 10 loans | 0.0% |
| Coshocton County, OH | 1 | Under 10 loans | 0.0% |
| Portage County, OH | 1 | Under 10 loans | 0.0% |
| Tuscarawas County, OH | 1 | Under 10 loans | 0.0% |
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When STARK’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.