Five Star Bank at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the B grade breaks down
Each component is a percentile rank among 220 investment-property lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
73rd1.7% deniedProcesswithdrawn + incomplete share, weight 15%
37th7.9%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 95 | 92 | 0.0% | 0.0% | — | $185M |
| 2024 | 78 | 63 | 1.3% | 1.5% | — | $177M |
| 2025 | 126 | 114 | 1.6% | 1.7% | — | $285M |
What Five Star Bank 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, 107 manufactured homes, 126 investment properties.
Where Five Star Bank lends
30 states and 95 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| California | 32 | 32 | 0.0% | — | #577 |
| Florida | 13 | 10 | 0.0% | — | #857 |
| North Carolina | 12 | 12 | 0.0% | — | #594 |
| New York | 6 | 5 | 0.0% | — | #501 |
| Oregon | 6 | 6 | 0.0% | — | #416 |
| Texas | 5 | 4 | 0.0% | — | #1,091 |
Frequently asked questions
Five Star Bank denied 1.7% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 73rd percentile of investment-property lenders.
In 2025, 60% of its applications were for home purchases, 38% for refinancing (including cash-out), and 2% for home improvement or other purposes. By loan type: 100% conventional, 0% 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.