Stellar Bank
Stellar Bank received 641 applications in 2025 and made 281 mortgages, in 57 counties across 5 states. The median rate its borrowers got was 7.181% on a median loan of $335,000. Of 525 decisions, 188 were denials — 35.8%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300Y5YUNNHUW2EQ06 |
|---|---|
| Applications received | 641 |
| Mortgages made | 281 |
| Denied | 188 |
| Approved, not taken up | 56 |
| Withdrawn or incomplete | 116 |
| Loans bought from other lenders | 186 |
| Median rate spread over the prime offer rate | 0.254 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 | 202 | 6.968% | $375,000 | 18.2% |
| Refinancing | 19 | 8.250% | $455,000 | 32.3% |
| Cash-out refinancing | 11 | 7.500% | $305,000 | 55.3% |
| Other purposes | 49 | 7.500% | $205,000 | 64.4% |
Where Stellar 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 |
|---|---|---|---|
| Harris County, TX | 129 | 7.500% | 35.7% |
| Fort Bend County, TX | 26 | 7.500% | 35.4% |
| Montgomery County, TX | 23 | 6.500% | 39.0% |
| Galveston County, TX | 11 | 6.500% | 36.4% |
| Jefferson County, TX | 10 | 7.073% | 50.0% |
| Brazoria County, TX | 8 | Under 10 loans | 35.7% |
| Dallas County, TX | 6 | Under 10 loans | 0.0% |
| Polk County, TX | 6 | Under 10 loans | 0.0% |
| Bexar County, TX | 5 | Under 10 loans | 0.0% |
| Walker County, TX | 5 | Under 10 loans | 16.7% |
| Hardin County, TX | 4 | Under 10 loans | 16.7% |
| Travis County, TX | 4 | Under 10 loans | 14.3% |
| Waller County, TX | 4 | Under 10 loans | 54.6% |
| Brazos County, TX | 3 | Under 10 loans | 20.0% |
| Chambers County, TX | 3 | Under 10 loans | 25.0% |
| Collin County, TX | 3 | Under 10 loans | 25.0% |
| Jasper County, TX | 3 | Under 10 loans | 33.3% |
| Liberty County, TX | 3 | Under 10 loans | 50.0% |
| Denton County, TX | 2 | Under 10 loans | 33.3% |
| Tarrant County, TX | 2 | Under 10 loans | 50.0% |
| Tyler County, TX | 2 | Under 10 loans | 60.0% |
| Sarasota County, FL | 1 | Under 10 loans | 0.0% |
| Lafayette County, MS | 1 | Under 10 loans | 0.0% |
| Austin County, TX | 1 | Under 10 loans | 66.7% |
| Bell County, TX | 1 | Under 10 loans | 0.0% |
| Blanco County, TX | 1 | Under 10 loans | 0.0% |
| Cameron County, TX | 1 | Under 10 loans | 0.0% |
| Fayette County, TX | 1 | Under 10 loans | 50.0% |
| Grimes County, TX | 1 | Under 10 loans | 0.0% |
| Hidalgo County, TX | 1 | Under 10 loans | 0.0% |
| Lampasas County, TX | 1 | Under 10 loans | 50.0% |
| Llano County, TX | 1 | Under 10 loans | 0.0% |
| McLennan County, TX | 1 | Under 10 loans | 0.0% |
| Matagorda County, TX | 1 | Under 10 loans | 0.0% |
| Newton County, TX | 1 | Under 10 loans | 75.0% |
| Nueces County, TX | 1 | Under 10 loans | 0.0% |
| Orange County, TX | 1 | Under 10 loans | 66.7% |
| San Jacinto County, TX | 1 | Under 10 loans | 66.7% |
| Washington County, TX | 1 | Under 10 loans | 0.0% |
| Williamson County, TX | 1 | Under 10 loans | 0.0% |
| Gunnison County, CO | 0 | Under 10 loans | Not published |
| Lyon County, NV | 0 | Under 10 loans | 100.0% |
| Bandera County, TX | 0 | Under 10 loans | 100.0% |
| Burnet County, TX | 0 | Under 10 loans | 0.0% |
| Colorado County, TX | 0 | Under 10 loans | Not published |
| Comal County, TX | 0 | Under 10 loans | Not published |
| El Paso County, TX | 0 | Under 10 loans | Not published |
| Hays County, TX | 0 | Under 10 loans | 100.0% |
| Hill County, TX | 0 | Under 10 loans | 0.0% |
| Houston County, TX | 0 | Under 10 loans | 100.0% |
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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.