Stellar Bank mortgage approval rate & lending review
Stellar Bank decided 1,106 mortgage applications and funded 650 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Stellar Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Stellar Bank at a glance
Approval is 12.1 points below the 81.1% 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 | 65% | 221 / 341 | 88% | $765K | 194 |
| Home improvement loans | 41% | 32 / 79 | 84% | $215K | 27 |
| Cash-out refinance | 34% | 61 / 178 | 80% | $205K | 49 |
| Refinance | 57% | 37 / 65 | 76% | $485K | 28 |
| Investment property purchase | 94% | 359 / 381 | 85% | $295K | 305 |
| Investment refinance | 82% | 36 / 44 | 89% | $215K | 32 |
Stellar Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Texas | 69% | $295K | 1,098 | 644 |
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 Stellar Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Harris County, TX | Investment property purchase | 96% | 210 | 170 |
| Montgomery County, TX | Investment property purchase | 96% | 47 | 42 |
| Fort Bend County, TX | Investment property purchase | 92% | 36 | 26 |
| Harris County, TX | Cash-out refinance | 33% | 96 | 24 |
| Harris County, TX | Home improvement loans | 45% | 53 | 21 |
| Harris County, TX | Investment refinance | 83% | 24 | 18 |
| Galveston County, TX | Investment property purchase | 96% | 23 | 17 |
The county markets where Stellar Bank made the most loans. Each link opens that market with every lender ranked.
Questions about Stellar Bank
What is Stellar Bank's mortgage approval rate?
Stellar Bank approved 69.0% of the 1,106 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 12.1 points below the 81.1% national rate for the same mix of loan types.
How often do borrowers take the loan Stellar Bank offers?
Borrowers accepted 85% of the loans Stellar Bank approved, against 95% for all investment property mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Stellar Bank make?
The typical investment property mortgage loan Stellar Bank made was $295K; across all loan types its typical loan ran from $205K to $765K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Stellar Bank lend?
Stellar Bank decided applications in 7 of the states Fat Boy Data covers, most of them in Texas, California and Wisconsin.
Can I apply to Stellar Bank directly?
Yes. Stellar Bank reports as a direct lender that takes applications from borrowers.
Does this page show Stellar 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 Stellar Bank treats applications, then get a rate quote from the lender.