Stark mortgage approval rate & lending review
Stark decided 315 mortgage applications and funded 291 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Stark reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Stark at a glance
Approval is 23.3 points above the 70.7% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Cash-out refinance | 95% | 237 / 249 | 99% | $45K | 234 |
| Refinance | 94% | 31 / 33 | 100% | $45K | 31 |
Stark lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Ohio | 94% | $45K | 314 | 290 |
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 Stark lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Stark County, OH | Cash-out refinance | 95% | 222 | 207 |
| Stark County, OH | Refinance | 94% | 31 | 29 |
The county markets where Stark made the most loans. Each link opens that market with every lender ranked.
Questions about Stark
What is Stark's mortgage approval rate?
Stark approved 94.0% of the 315 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 23.3 points above the 70.7% national rate for the same mix of loan types.
How often do borrowers take the loan Stark offers?
Borrowers accepted 98% of the loans Stark approved, against 94% for all cash-out refinance lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Stark make?
The typical cash-out refinance loan Stark made was $45K; across all loan types its typical loan ran from $45K to $45K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Stark lend?
Stark decided applications in 2 of the states Fat Boy Data covers, most of them in Ohio and Florida.
Can I apply to Stark directly?
Yes. Stark is a bank or credit union with 3 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Stark'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 Stark treats applications, then get a rate quote from the lender.