Five Star Bank mortgage approval rate & lending review
Five Star Bank decided 1,606 mortgage applications and funded 1,365 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Five Star Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Five Star Bank at a glance
Approval is 5.9 points above the 81.0% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 94% | 959 / 1,021 | 98% | $255K | 942 |
| Home improvement loans | 66% | 206 / 313 | 96% | $65K | 198 |
| Cash-out refinance | 76% | 22 / 29 | 100% | $255K | 22 |
| Refinance | 85% | 120 / 141 | 96% | $125K | 115 |
| Investment property purchase | 88% | 59 / 67 | 98% | $155K | 58 |
Five Star Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| New York | 87% | $255K | 1,603 | 1,362 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Five Star Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Erie County, NY | Mortgage lenders | 93% | 580 | 532 |
| Monroe County, NY | Mortgage lenders | 95% | 244 | 224 |
| Niagara County, NY | Mortgage lenders | 94% | 106 | 99 |
| Erie County, NY | Home improvement loans | 68% | 140 | 93 |
| Monroe County, NY | Home improvement loans | 59% | 111 | 61 |
| Ontario County, NY | Mortgage lenders | 97% | 58 | 56 |
| Erie County, NY | Refinance | 83% | 66 | 50 |
| Erie County, NY | Investment property purchase | 88% | 42 | 36 |
| Monroe County, NY | Refinance | 82% | 39 | 32 |
| Ontario County, NY | Home improvement loans | 88% | 34 | 29 |
| Ontario County, NY | Refinance | 92% | 24 | 22 |
The county markets where Five Star Bank made the most loans. Each link opens that market with every lender ranked.
Questions about Five Star Bank
What is Five Star Bank's mortgage approval rate?
Five Star Bank approved 86.9% of the 1,606 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 5.9 points above the 81.0% national rate for the same mix of loan types.
How often do borrowers take the loan Five Star Bank offers?
Borrowers accepted 98% of the loans Five Star Bank approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Five Star Bank make?
The typical home purchase mortgage loan Five Star Bank made was $255K; across all loan types its typical loan ran from $65K to $255K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Five Star Bank lend?
Five Star Bank decided applications in 3 of the states Fat Boy Data covers, most of them in New York, Maryland and Florida.
Can I apply to Five Star Bank directly?
Yes. Five Star Bank is a bank or credit union with 58 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Five Star Bank's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Five Star Bank treats applications, then get a rate quote from the lender.