What loan types does STAR Financial Bank offer?

STAR Financial Bank offers the following mortgage loan types: Conventional, Jumbo. Each product has its own pricing score and performance metrics.

Where does STAR Financial Bank offer mortgages?

STAR Financial Bank offers mortgages in 7 states: AZ, FL, IN, MI, MT, OH, UT.

How competitive are STAR Financial Bank's mortgage rates?

STAR Financial Bank has an overall pricing score of 51/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is STAR Financial Bank?

STAR Financial Bank is a Bank headquartered in Fort Wayne, IN.

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STAR Financial Bank

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STAR Financial Bank has 239 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Sound

3/5

vs. all lenders

Pull-through

Sound

3/5

closing strength

Product

Strong

4/5

Conventional · Jumbo

Place

Sound

3/5

Multi-Region · 4 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Explore another lender or local market

Report Card

STAR Financial Bank performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Sound

+12.8 bps above market avg

3/5

Pull Through

Closing strength

Sound

Top 60% of lenders

3/5

By Loan Product· Specialization by type

Conventional

219 loans · 0.15% above market

Sound

Top 60% of lenders

3/5

Jumbo

20 loans · 0.35% below market

Strong

Top 40% of lenders

4/5

By Loan Purpose· Transaction purpose mix

Purchase

162 loans · 0.07% above market

Sound

Top 60% of lenders

3/5

Refinance

77 loans · 0.24% above market

Sound

Top 60% of lenders

3/5

By Location· Geographic coverage

Geographic Reach

Multi-Regional · 5 markets

Sound

Top 60% of lenders

3/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Sound	Sound	Sound	Sound	219	91.6%	+0.155%Above	$1,302Fees
Jumbo Loans	Sound	Strong	—	Sound	20	8.4%	-0.348%Below	$920Fees

Conventional

Overall

Sound

Product

Sound

Pricing

Sound

Pull Through

Sound

Volume219

Mix91.6%

Spread

+0.155%Above

Fees

$1,302Fees

Jumbo Loans

Overall

Sound

Product

Strong

Pricing—

Pull Through

Sound

Volume20

Mix8.4%

Spread

-0.348%Below

Fees

$920Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Sound	Sound	Acceptable	162	67.8%	+0.073%Above	$1,261Fees
Refinance	Sound	Sound	Sound	Sound	77	32.2%	+0.239%Above	$1,322Fees

Purchase

Overall

Sound

Product

Sound

Pricing

Sound

Pull Through

Acceptable

Volume162

Mix67.8%

Spread

+0.073%Above

Fees

$1,261Fees

Refinance

Overall

Sound

Product

Sound

Pricing

Sound

Pull Through

Sound

Volume77

Mix32.2%

Spread

+0.239%Above

Fees

$1,322Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

239

Applications

416

Volume

$76 million

Pricing & Closing

Avg Rate Spread

+0.128%

vs. market APOR

Avg Net Fees

$1,281

Origination − Credits

Pullthrough Rate

57.5%

Applications → Closed

Typical Borrower

Avg Loan Amount

$319,017

Avg Borrower Income

$197,531

Avg Property Value

$456,925

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Sound

3/5

States with Loan Originations

7Full-year 2024 · HMDA

Loans originated

< 200200+None

Midwest3

INMIOH

South1

West3

AZMTUT

Top Metro Areas by Place Specialization Score

Indianapolis, INMetro

Volume 89Mix 37.24% of portfolio

70/100

Strong

Fort Wayne, INMetro

Volume 52Mix 21.76% of portfolio

66/100

Strong

Muncie, INMetro

Volume 16Mix 6.69% of portfolio

54/100

Sound

Kokomo, INMetro

Volume 11Mix 4.60% of portfolio

47/100

Sound

Top States by Place Specialization Score

IndianaState

Volume 227Mix 94.98% of portfolio

76/100

Strong

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts

Pricing

How competitively a lender prices vs. the market benchmark (20%).

10/ 50 pts

Product

Performance on your specific loan type (20%).

10/ 50 pts

Pull Through

How reliably a lender closes the loans it starts (20%).

10/ 50 pts

Place

Depth of a lender's expertise in your local market (20%).

10/ 50 pts

Promptness

How quickly a lender answers real quote requests — blended in once they respond (20%).

Champion(80%+ = 40-50 points)

Superstar(60-79% = 30-39 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.