Purchase Originations
200
Median Total Costs
$2,798
−58.1% vs national ($6,680)
↓ $202 vs prior year
Median Rate
6.250%
−3.7% vs national (6.490%)
↓ 0.250% vs prior year
Median Origination
$975
Median Lender Credits
$175
Denial Rate
13.2%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 200 | 6.250% | $2,798 | $975 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Indiana | 196 | 6.250% | $2,749 | #86 |
| Ohio | 2 | 6.125% | $4,490 | — |
| North Carolina | 1 | 5.875% | $3,966 | — |
| Tennessee | 1 | 6.125% | $5,375 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,204 | 6.500% | — | 13 | −$594 | |
| 2 | $2,248 | 6.375% | — | 20 | −$550 | |
| 3 | $2,288 | 6.312% | — | 8 | −$510 | |
| 4 | $2,370 | 6.250% | — | 9 | −$428 | |
| 5 | $2,413 | 6.812% | — | 16 | −$385 | |
| 6 | $2,495 | 6.625% | — | 7 | −$303 | |
| 7 | $2,560 | 6.875% | — | 1 | −$238 | |
| 8 | $2,664 | 6.250% | — | 28 | −$134 | |
| 9 | $2,745 | 6.312% | — | 2 | −$53 | |
| 10 | $2,830 | 6.125% | — | 23 | +$32 | |
| 11 | $2,870 | 6.125% | — | 1 | +$72 | |
| 12 | $2,872 | 6.125% | — | 7 | +$74 | |
| 13 | $3,062 | 6.312% | — | 2 | +$264 | |
| 14 | $3,304 | 6.062% | — | 2 | +$506 | |
| 15 | $3,894 | 6.000% | — | 25 | +$1,096 | |
| 16 | $4,148 | 6.500% | — | 1 | +$1,350 | |
| 17 | $4,747 | 6.125% | — | 2 | +$1,949 | |
| 18 | $4,897 | 5.938% | — | 2 | +$2,099 | |
| 19 | $5,628 | 6.125% | — | 3 | +$2,830 | |
| 20 | $6,336 | 5.938% | — | 8 | +$3,538 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | STAR Financial Bank | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $235,000 | $335,000 | −$100,000 (−29.9%) |
| Median total closing costs | $2,798 | $7,127 | −$4,329 (−60.7%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.