Lender profile · HMDA 2023–2025
Stellar Bank mortgage approval rates & lending data
Stellar Bank decided 1,106 mortgage applications and funded 650 loans across the 616 counties Fat Boy Data covers, 2023–2025.
Approval 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 |
| California | 100% | $625K | 2 | 2 |
| Wisconsin | 100% | $185K | 2 | 2 |
| Arizona | 0% | — | 1 | 0 |
| Florida | 100% | $2.08M | 1 | 1 |
| Louisiana | 0% | — | 1 | 0 |
| New York | 100% | $3.71M | 1 | 1 |
Covers the 616 counties in the Fat Boy Data footprint, which is 79.6% of the US population — not every county in each state. Methodology.