Stark at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the C 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%
81st3.5% deniedPricingmedian rate spread over APOR, weight 30%
4th1.53 ptsProcesswithdrawn + incomplete share, weight 15%
61st9.4%Closing coststotal loan costs ÷ loan amount, weight 10%
1st7.98% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 133 | 118 | 3.8% | 4.0% | 7.24% | $6.2M |
| 2024 | 122 | 92 | 10.7% | 11.9% | 7.74% | $5.4M |
| 2025 | 128 | 112 | 3.1% | 3.5% | 7.74% | $6.8M |
What Stark 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, 0 manufactured homes, 6 investment properties.
Why Stark denies applications
Primary reason reported for each of the 4 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Stark
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 25 | 21 | 8.7% |
| $50k – $100k | 47 | 46 | 0.0% |
| $100k – $150k | 30 | 27 | 3.6% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 45–54 | 48 | 39 | 7.1% |
| 55–64 | 33 | 31 | 3.1% |
Where Stark lends
2 states and 9 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Ohio | 127 | 111 | 3.2% | 7.74% | #295 |
Frequently asked questions
Stark denied 3.5% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 81st percentile of small mortgage lenders.
The most common reason Stark gave in 2025 was "debt-to-income ratio", cited on 75.0% 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 Stark originated in 2025 was 7.74%, and its median rate spread over the average prime offer rate was 1.53 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 11% of its applications were for home purchases, 89% for refinancing (including cash-out), and 0% for home improvement or other purposes. By loan type: 98% conventional, 2% 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.