Five Star Credit Union at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the D 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%
10th27.7% deniedProcesswithdrawn + incomplete share, weight 15%
40th13.8%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 330 | 195 | 34.6% | 36.5% | 7.00% | $32M |
| 2024 | 460 | 217 | 33.5% | 38.3% | — | $42M |
| 2025 | 762 | 334 | 23.9% | 27.7% | — | $68M |
What Five Star Credit Union 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, 441 manufactured homes, 77 investment properties.
Who gets approved at Five Star Credit Union
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 176 | 44 | 50.4% |
| $50k – $100k | 300 | 106 | 29.9% |
| $100k – $150k | 123 | 66 | 17.1% |
| $150k – $250k | 66 | 49 | 6.8% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 64 | 18 | 39.6% |
| 25–34 | 157 | 48 | 36.6% |
| 35–44 | 134 | 50 | 28.5% |
| 45–54 | 140 | 73 | 21.3% |
| 55–64 | 114 | 53 | 29.4% |
| 65–74 | 71 | 39 | 23.4% |
| Over 74 | 29 | 14 | 20.0% |
Where Five Star Credit Union lends
5 states and 83 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
Five Star Credit Union denied 27.7% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 10th percentile of small mortgage lenders.
In 2025, 58% of its applications were for home purchases, 41% for refinancing (including cash-out), and 1% 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.