American Homestar Mortgage at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the F grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
0th90.2% deniedProcesswithdrawn + incomplete share, weight 15%
6th29.6%Closing coststotal loan costs ÷ loan amount, weight 10%
4th5.29% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 173 | 11 | 57.8% | 90.1% | 7.00% | $2.6M |
| 2024 | 173 | 10 | 64.7% | 91.8% | 6.50% | $2.3M |
| 2025 | 159 | 11 | 63.5% | 90.2% | 6.25% | $2.5M |
What American Homestar Mortgage lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 157 manufactured homes, 0 investment properties.
Why American Homestar Mortgage denies applications
Primary reason reported for each of the 101 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at American Homestar Mortgage
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 25 | 0 | 100.0% |
| $50k – $100k | 86 | 8 | 86.4% |
| $100k – $150k | 28 | 2 | 88.9% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 35 | 2 | 90.9% |
| 35–44 | 38 | 1 | 95.8% |
| 45–54 | 43 | 5 | 86.1% |
Where American Homestar Mortgage lends
4 states and 72 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
American Homestar Mortgage denied 90.2% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 0th percentile of small mortgage lenders.
The most common reason American Homestar Mortgage gave in 2025 was "credit history", cited on 64.4% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans American Homestar Mortgage originated in 2025 was 6.25%, and its median rate spread over the average prime offer rate was 0.28 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 99% of its applications were for home purchases, 0% for refinancing (including cash-out), and 1% for home improvement or other purposes. By loan type: 0% conventional, 100% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.