Star Financial Bank Mortgage Rates, Fees & Info

Fort Wayne, IN

LEI: LBIZXW7X2N50PETIH863

Tax ID: 35-1719464

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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  • SimulatedRates™
  • Mortgage Calculator

    • Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Complaints
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Bank Data

  • Branches
  • Income
  • Loan Types
  • Deposit Mix
  • Loan Performance
  • Assets
  • Business Loans

    • Review & Overview

    Star Financial Bank is a smaller bank specializing in Home Purchase loans. Star Financial Bank has a high proportion of conventional loans. Their top markets by origination volume include: Indianapolis, Fort Wayne, Muncie, Warsaw, and New Castle among others. We have data for 31 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Star Financial Bank has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Star Financial Bank is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    Home Equity Line of Credit (HELOC) 5.95% 4/21/24
    30 Year Conventional Purchase 6.76% 4/21/24
    30 Year Conventional Refi 6.64% 4/21/24
    30 Year Cash-out Refi 6.73% 4/21/24
    30 Year FHA Purchase 6.27% 4/21/24
    30 Year VA Purchase 6.27% 4/21/24
    30 Year USDA Purchase 6.27% 4/21/24
    15 Year Conventional Purchase 6.37% 4/21/24
    15 Year Conventional Refi 6.21% 4/21/24
    15 Year Cash-out Refi 6.21% 4/21/24
    These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

    Star Financial Bank Mortgage Calculator






    Your Estimates

    Estimated Loan Payment: Update the calculator values and click calculate payment!

    This is not an official calculator from Star Financial Bank. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

    The default purchase price is the median sales price across the US for 2022Q4, per FRED.


    Originations

    879

    Origination Dollar Volume (All Markets)

    $108,445,000

    Employee count

    474 Show all (5) awards

    Top Markets

    Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

    Market Originations Total Value Average Loan Average Fees Average Rate
    INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 271 $42,135,000 $155,480 $3,210 5.02%
    FORT WAYNE, IN (FHA|USDA|VA) 235 $29,695,000 $126,362 $3,379 4.96%
    MUNCIE, IN (FHA|USDA|VA) 57 $5,035,000 $88,333 $3,008 5.19%
    Warsaw, IN (FHA|USDA|VA) 13 $4,475,000 $344,231 $2,782 4.73%
    New Castle, IN (FHA|USDA|VA) 71 $4,075,000 $57,394 $2,715 5.11%
    Marion, IN (FHA|USDA|VA) 58 $3,590,000 $61,897 $2,376 5.14%
    Outside of Metro Areas 47 $3,245,000 $69,043 $2,697 5.08%
    Angola, IN (FHA|USDA|VA) 26 $3,060,000 $117,692 $2,855 4.91%
    KOKOMO, IN (FHA|USDA|VA) 32 $1,880,000 $58,750 $2,576 5.17%
    Kendallville, IN (FHA|USDA|VA) 16 $1,740,000 $108,750 $2,756 5.21%
    Auburn, IN (FHA|USDA|VA) 8 $1,100,000 $137,500 $4,062 4.69%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 2 $1,080,000 $540,000 $3,708 4.00%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 1 $1,005,000 $1,005,000 $6,484 4.00%
    COLUMBUS, IN (FHA|USDA|VA) 1 $835,000 $835,000 $3,156 3.50%
    Peru, IN (FHA|USDA|VA) 4 $570,000 $142,500 $3,597 4.94%
    LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 5 $565,000 $113,000 $2,220 4.60%
    Logansport, IN (FHA|USDA|VA) 3 $555,000 $185,000 $3,515 4.83%
    Bluffton, IN (FHA|USDA|VA) 5 $495,000 $99,000 $2,695 5.03%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 1 $475,000 $475,000 $5,609 4.75%
    Huntington, IN (FHA|USDA|VA) 6 $410,000 $68,333 $2,504 5.06%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 1 $375,000 $375,000 $6,055 4.50%
    Wabash, IN (FHA|USDA|VA) 4 $360,000 $90,000 $4,002 5.74%
    LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 1 $295,000 $295,000 $2,928 4.38%
    Richmond, IN (FHA|USDA|VA) 2 $290,000 $145,000 $3,262 4.56%
    ELKHART-GOSHEN, IN (FHA|USDA|VA) 1 $265,000 $265,000 $2,102 4.75%
    Seymour, IN (FHA|USDA|VA) 1 $245,000 $245,000 $2,013 4.63%
    BLOOMINGTON, IN (FHA|USDA|VA) 2 $170,000 $85,000 $2,675 4.88%
    NILES, MI (FHA|USDA|VA) 1 $155,000 $155,000 $4,780 4.63%
    Coldwater, MI (FHA|USDA|VA) 1 $105,000 $105,000 $0 4.75%
    KANKAKEE, IL (FHA|USDA|VA) 1 $85,000 $85,000 $3,831 3.88%
    Decatur, IN (FHA|USDA|VA) 2 $80,000 $40,000 $2,318 5.25%
    Star Financial Bank's top markets include Indianapolis, Fort Wayne, Muncie, Warsaw, and New Castle among others.

    Their top states include:
  • Indiana (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Colorado (FHA|USDA|VA)
  • Arizona (FHA|USDA|VA)
  • Kentucky (FHA|USDA|VA)

    • Similar Lenders

    We use machine learning to identify the top lenders compared against STAR Financial Bank based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    Fire Police City County Federal Credit Union
    Similarity Rank: 48
    The Garrett State Bank
    Similarity Rank: 48
    Community First Bank of Indiana
    Similarity Rank: 117
    Security Federal Savings Bank
    Similarity Rank: 143
    Greenfield Banking Company
    Similarity Rank: 255
    Hendricks County Bank and Trust Company
    Similarity Rank: 393
    INDIANA UNIVERSITY CREDIT UNION
    Similarity Rank: 450
    Third Federal Savings and Loan Association of Cleveland
    Similarity Rank: 614
    ProFed Federal Credit Union
    Similarity Rank: 760
    The Farmers Bank, Frankfort, Indiana
    Similarity Rank: 814

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    HELOC 462 $30,650,000 $66,342 n/a 5.38%
    Conventional 417 $77,795,000 $186,559 $3,114 4.63%

    For 2018, Star Financial Bank's most frequently originated type of loan was HELOC, with 462 originations. Their 2nd most popular type was Conventional, with 417 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Other 251 $17,655,000 $70,339 $0 5.38%
    Home Purchase 247 $52,655,000 $213,178 $3,229 4.64%
    Home Improvement 188 $10,130,000 $53,883 $2,929 5.40%
    Refi 97 $13,075,000 $134,794 $2,603 4.98%
    Cash Out Refi 96 $14,930,000 $155,521 $3,152 4.37%

    For 2018, Star Financial Bank's most frequently cited loan purpose was Other, with 251 originations. The 2nd most popular reason was Home Purchase, with 247 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 284 $20,110,000 $70,810 $2,944 5.37%
    10 Year 253 $16,075,000 $63,538 $2,220 5.26%
    30 Year 246 $52,010,000 $211,423 $3,152 4.63%
    15 Year 44 $8,160,000 $185,455 $2,809 4.12%
    30+ year 24 $9,240,000 $385,000 $4,668 4.55%
    20 Year 22 $2,240,000 $101,818 $2,842 4.53%
    5 Year 5 $105,000 $21,000 $505 5.05%
    3 Year 1 $505,000 $505,000 $0 5.00%

    For 2018, Star Financial Bank's most frequently cited loan duration was Other, with 284 originations. The 2nd most popular length was 10 Year, with 253 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 180 $33,110,000 $183,944
    $<1k 112 $28,390,000 $253,482
    $2k-3k 51 $8,445,000 $165,588
    $3k-4k 16 $3,430,000 $214,375
    $4k-5k 7 $1,495,000 $213,571
    $5k+ 4 $890,000 $222,500

    Star Financial Bank's average total fees were $3,152, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 180 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 438 $70,130,000 $160,114
    5-6% 336 $20,340,000 $60,536
    3-4% 62 $16,540,000 $266,774
    6-7% 41 $1,155,000 $28,171
    2.5-3% 1 $65,000 $65,000
    Over 8% 1 $215,000 $215,000

    During 2018, Star Financial Bank's average interest rate for loans was 4.63%, while their most frequently originated rate bucket for loans was 4-5%, with 438 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 536 $24,470,000 $45,653 $2,459 5.23%
    $100k-200k 196 $26,530,000 $135,357 $3,242 4.78%
    $200k-400k 95 $26,225,000 $276,053 $3,806 4.73%
    $400k-600k 31 $15,135,000 $488,226 $3,249 4.38%
    $600k-1MM 18 $13,030,000 $723,889 $3,305 4.30%
    $1MM+ 3 $3,055,000 $1,018,333 $5,875 4.29%

    2018 saw Star Financial Bank place emphasis on $100,000 or less loans with 536 originations, totaling $24,470,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k or less 213 $12,135,000 $56,972 $2,665 5.07%
    $50k-75k 199 $15,115,000 $75,955 $3,084 5.11%
    $100k-150k 149 $17,215,000 $115,537 $3,223 5.06%
    $75k-100k 129 $13,015,000 $100,891 $3,513 5.12%
    $150k-250k 93 $19,565,000 $210,376 $3,073 4.88%
    $250k+ 84 $29,790,000 $354,643 $3,577 4.59%

    Star Financial Bank lent most frequently to those with incomes in the $50k or less range, with 213 originations. The second most popular income band? $50k-75k, with 199 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 257 $30,045,000 $116,907 $2,972 5.03%
    30-36% 166 $20,500,000 $123,494 $3,046 5.01%
    <20% 157 $17,885,000 $113,917 $2,611 5.05%
    42% 49 $5,035,000 $102,755 $2,989 5.20%
    38% 34 $4,070,000 $119,706 $3,703 5.05%
    37% 31 $5,885,000 $189,839 $3,291 5.04%
    39% 28 $3,730,000 $133,214 $3,105 5.08%
    40% 26 $3,150,000 $121,154 $3,390 5.18%
    41% 24 $3,230,000 $134,583 $3,704 4.98%
    36% 24 $2,770,000 $115,417 $3,034 5.05%
    43% 22 $3,410,000 $155,000 $3,724 4.70%
    44% 15 $2,685,000 $179,000 $3,588 4.69%
    49% 7 $745,000 $106,429 $2,670 4.66%
    45% 6 $730,000 $121,667 $5,397 4.60%
    46% 6 $640,000 $106,667 $3,990 5.04%
    48% 6 $510,000 $85,000 $3,119 4.69%
    47% 4 $790,000 $197,500 $2,369 4.59%
    >60% 4 $660,000 $165,000 $0 5.43%

    Star Financial Bank lent most frequently to those with DTI ratios of 20-30%, with 257 originations. The next most common DTI ratio? 30-36%, with 166 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 777 $95,795,000 $123,288 $3,137 5.01%
    Not provided 76 $8,860,000 $116,579 $2,892 5.13%
    Asian Indian 4 $1,380,000 $345,000 $3,212 4.56%
    Asian 6 $1,200,000 $200,000 $2,299 4.71%
    Not applicable 9 $615,000 $68,333 $0 5.56%
    Black 6 $560,000 $93,333 $2,645 5.19%
    Native Hawaiian or Islander 1 $35,000 $35,000 $2,834 5.88%

    Approval Rates

    Total approvals of all applications
    76.97%

    Star Financial Bank has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    81.46%

    Star Financial Bank has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 879 $108,445,000 $123,373

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Single Family (1-4 Units):Manufactured 13 $745,000 $57,308
    Single Family (1-4 Units):Site-Built 866 $107,700,000 $124,365

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 216 $16,380,000 $75,833 $2,509 5.22%
    40-60% 124 $15,220,000 $122,742 $2,491 4.91%
    60-80% 179 $35,195,000 $196,620 $3,261 4.64%
    80-100% 168 $34,310,000 $204,226 $3,300 4.69%
    Over 100% 2 $760,000 $380,000 $4,329 4.75%
    Under 20% 190 $6,580,000 $34,632 $253 5.53%

    Complaints

    Bank Name Product Issue 2018 CPFB Complaints % of Total Issues
    Strive Lending, Inc. VA mortgage Applying for a mortgage or refinancing an existing mortgage 1 100.0%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    STAR Financial Bank 10010 Illinois Road Fort Wayne, IN 46804 Full Service B&M $6,069
    STAR Financial Bank 102 West Van Buren Street Columbia City, IN 46725 Full Service B&M $95,759
    STAR Financial Bank 105 Frontage Road Columbia City, IN 46725 Full Service B&M $47,849
    STAR Financial Bank 1127 North Baldwin Aveue Marion, IN 46952 Full Service B&M $35,479
    STAR Financial Bank 114 East Walnut Street Kokomo, IN 46901 Full Service B&M $16,056
    STAR Financial Bank 11673 Allisonville Road Fishers, IN 46038 Full Service B&M $8,581
    STAR Financial Bank 125 South Anderson Street Elwood, IN 46036 Full Service B&M $66,171
    STAR Financial Bank 127 West Berry Street Fort Wayne, IN 46802 Full Service B&M $238,011
    STAR Financial Bank 13318 Olio Road Fishers, IN 46037 Full Service B&M $9,285
    STAR Financial Bank 140 East Carmel Drive Carmel, IN 46032 Full Service B&M $13,360
    STAR Financial Bank 1503 East 53rd Street Anderson, IN 46013 Full Service B&M $64,585
    STAR Financial Bank 1523 East Cross Street Anderson, IN 46012 Full Service B&M $39,085
    STAR Financial Bank 1820 North Coliseum Boulevard Fort Wayne, IN 46805 Full Service Retail $13,255
    STAR Financial Bank 2004 N. Wayne Street Suite F Angola, IN 46703 Full Service B&M $43,741
    STAR Financial Bank 2130 East Dupont Road Fort Wayne, IN 46825 Full Service B&M $23,034
    STAR Financial Bank 230 East New Road Greenfield, IN 46140 Full Service B&M $43,611
    STAR Financial Bank 2900 South Washington Street Kokomo, IN 46902 Full Service B&M $29,103
    STAR Financial Bank 2948 South Western Avenue Marion, IN 46953 Full Service B&M $23,140
    STAR Financial Bank 315 South Adams Street Marion, IN 46952 Full Service B&M $72,547
    STAR Financial Bank 3300 N Everbrook Muncie, IN 47304 Full Service B&M $81,000
    STAR Financial Bank 360 West North Street Kendallville, IN 46755 Full Service B&M $2,455
    STAR Financial Bank 3610 River Crossing Parkway Indianapolis, IN 46240 Full Service B&M $69,059
    STAR Financial Bank 3701 N. Broadway Avenue Muncie, IN 47303 Full Service B&M $20,715
    STAR Financial Bank 400 North High Street Muncie, IN 47305 Full Service B&M $38,628
    STAR Financial Bank 403 Parkview Drive New Castle, IN 47362 Full Service B&M $56,027
    STAR Financial Bank 4070 North Us 33 Churubusco, IN 46723 Full Service B&M $21,498
    STAR Financial Bank 5513 Illinois Road Fort Wayne, IN 46804 Full Service B&M $28,370
    STAR Financial Bank 5760 Coventry Lane Fort Wayne, IN 46804 Full Service B&M $26,949
    STAR Financial Bank 5920 St. Joe Center Road Fort Wayne, IN 46835 Full Service B&M $16,908
    STAR Financial Bank 6240 Bluffton Road Fort Wayne, IN 46809 Full Service B&M $26,663
    STAR Financial Bank 7110 Lima Road Fort Wayne, IN 46818 Full Service B&M $30,954
    STAR Financial Bank 7180 State Road 67 Pendleton, IN 46064 Full Service B&M $31,816
    STAR Financial Bank 735 Main Street Anderson, IN 46015 Full Service B&M $109,003
    STAR Financial Bank 874 East Jefferson St Tipton, IN 46072 Full Service B&M $29,211
    STAR Financial Bank 8762 East 96th Street Fishers, IN 46037 Full Service B&M $13,517
    STAR Financial Bank 9102 N Meridian St., Suite 101 Indianapolis, IN 46260 Full Service B&M $29,911
    STAR Financial Bank 9165 East 56th Street Indianapolis, IN 46216 Full Service B&M $11,282
    STAR Financial Bank 931 East Main Street Gas City, IN 46933 Full Service B&M $57,228
    STAR Financial Bank 9480 E. 146th Street Noblesville, IN 46060 Full Service B&M $50,267

    For 2018, Star Financial Bank had 39 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $75,441
    Net interest income $69,317
    Total noninterest income $24,472
    Gross Fiduciary activities income $2,277
    Service charges on deposit accounts $8,623
    Trading account gains and fees $0
    Additional Noninterest Income $13,572
    Pre-tax net operating income $24,484
    Securities gains (or losses, -) $0
    Income before extraordinary items $19,982
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $19,982
    Minority interest net income $0
    Net income $19,982
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $19,982

    Star Financial Bank's gross interest income from loans was $75,441,000.
    Star Financial Bank's net interest income from loans was $69,317,000.
    Star Financial Bank's fee based income from loans was $8,623,000.
    Star Financial Bank's net income from loans was $19,982,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $6,124
    Provision for credit losses $8,000
    Total noninterest expense $61,305
    Salaries and employee benefits $33,795
    Premises and equipment expense $9,285
    Additional noninterest expense $18,225
    Applicable income taxes $4,502
    Net charge-offs $6,539
    Cash dividends $7,700

    Star Financial Bank's interest expense for loans was $6,124,000.
    Star Financial Bank's payroll and benefits expense were $33,795,000.
    Star Financial Bank's property, plant and equipment expenses $9,285,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 1.0%
    Real Estate loans 1.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 2.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 0.0%
    HELOC loans 0.0%
    All other family 0.0%
    Commercial & industrial loans 2.0%
    Personal loans 0.0%
    Credit card loans 0.0%
    Other individual loans 0.0%
    Auto loans 0.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $1,723,138
    Deposits held in domestic offices $1,723,138
    Deposits by Individuals, partnerships, and corporations $1,485,476
    Deposits by U.S. Government $72
    Deposits by States and political subdivisions in the U.S. $237,590
    Deposits by Commercial banks and other depository institutions in U.S. $0
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $203,723
    Demand deposits $147,928
    Nontransaction accounts $1,519,415
    Money market deposit accounts (MMDAs) $267,079
    Other savings deposits (excluding MMDAs) $1,046,362
    Total time deposits $205,974
    Total time and savings deposits $1,575,210
    Noninterest-bearing deposits $634,606
    Interest-bearing deposits $1,088,532
    Retail deposits $1,653,944
    IRAs and Keogh plan accounts $29,309
    Brokered deposits $37,292
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $2,002,618
    Cash & Balances due from depository institutions $93,998
    Interest-bearing balances $54,327
    Total securities $338,765
    Federal funds sold & reverse repurchase $0
    Net loans and leases $1,453,982
    Loan and leases loss allowance $19,492
    Trading account assets $0
    Bank premises and fixed assets $38,110
    Other real estate owned $2,350
    Goodwill and other intangibles $4,754
    All other assets $70,659

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $2,002,618
    Total Liabilities $1,789,387
    Total deposits $1,723,138
    Interest-bearing deposits $1,088,532
    Deposits held in domestic offices $1,723,138
    % insured (estimated) $65
    Federal funds purchased and repurchase agreements $31,772
    Trading liabilities $0
    Other borrowed funds $22,385
    Subordinated debt $0
    All other liabilities $12,092

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $1,453,982
    Loan and leases loss allowance $19,492
    Total loans and leases (domestic) $1,473,474
    All real estate loans $899,057
    Real estate loans in domestic offices $899,057
    Construction and development loans $135,960
    Residential 1-4 family construction $28,562
    Other construction, all land development and other land $107,398
    Loans secured by nonfarm nonresidential properties $383,321
    Nonfarm nonresidential secured by owner-occupied properties $201,895
    Commercial real estate & other non-farm, non-residential $181,426
    Multifamily residential real estate $48,857
    1-4 family residential loans $291,783
    Farmland loans $39,136
    Loans held in foreign offices $0
    Farm loans $36,750
    Commercial and industrial loans $398,101
    To non-U.S. addressees $0
    Loans to individuals $36,874
    Credit card loans $0
    Related Plans $3,219
    Consumer Auto Loans $19,788
    Other loans to individuals $13,867
    All other loans & leases $102,692
    Loans to foreign governments and official institutions $0
    Other loans $848
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $16,632
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $5,046
    Non 1-4 family restructured loans & leases $4,005
    Total loans and leases (foreign) $0

    STAR Financial Bank had $1,453,982,000 of loans outstanding in 2018. $899,057,000 of loans were in real estate loans. $135,960,000 of loans were in development loans. $48,857,000 of loans were in multifamily mortgage loans. $291,783,000 of loans were in 1-4 family mortgage loans. $36,750,000 of loans were in farm loans. $0 of loans were in credit card loans. $19,788,000 of loans were in the auto loan category.

    Small Business Loans

    Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
    Nonfarm, nonresidential loans - <$1MM 348 $75,314 $216,420
    Nonfarm, nonresidential loans - <$100k 66 $2,463 $37,318
    Nonfarm, nonresidential loans - $100-250k 113 $11,837 $104,752
    Nonfarm, nonresidential loans - $250k-1MM 169 $61,014 $361,030
    Commercial & Industrial, US addressed loans - <$1MM 784 $84,813 $108,180
    Commercial & Industrial, US addressed loans - <$100k 379 $8,948 $23,609
    Commercial & Industrial, US addressed loans - $100-250k 179 $16,290 $91,006
    Commercial & Industrial, US addressed loans - $250k-1MM 226 $59,575 $263,606
    Farmland loans - <$1MM 89 $12,817 $144,011
    Farmland loans - <$100k 21 $826 $39,333
    Farmland loans - $100-250k 42 $5,109 $121,643
    Farmland loans - $250k-1MM 26 $6,882 $264,692
    Agriculture operations loans - <$1MM 105 $12,011 $114,390
    Agriculture operations loans - <$100k 57 $1,767 $31,000
    Agriculture operations loans - $100-250k 23 $2,618 $113,826
    Agriculture operations loans - $250k-1MM 25 $7,626 $305,040