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
  • 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 and Refi loans. Star Financial Bank has a high proportion of conventional loans. Their top markets by origination volume include: Indianapolis, Fort Wayne, Angola, Marion, and Muncie 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% 11/21/24
    30 Year Conventional Purchase 6.76% 11/21/24
    30 Year Conventional Refi 6.64% 11/21/24
    30 Year Cash-out Refi 6.73% 11/21/24
    30 Year FHA Purchase 6.27% 11/21/24
    30 Year VA Purchase 6.27% 11/21/24
    30 Year USDA Purchase 6.27% 11/21/24
    15 Year Conventional Purchase 6.37% 11/21/24
    15 Year Conventional Refi 6.21% 11/21/24
    15 Year Cash-out Refi 6.21% 11/21/24
    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

    999

    Origination Dollar Volume (All Markets)

    $135,495,000

    Employee count

    486

    Awards

    STAR Financial Bank 30 Year Conventional Loans silver STAR Financial Bank 30 Year Conventional Loans gold STAR Financial Bank 30 Year Conventional Loans silver STAR Financial Bank 30 Year Conventional Loans silver
    Show all (4) 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) 317 $50,135,000 $158,155 $3,259 4.47%
    FORT WAYNE, IN (FHA|USDA|VA) 297 $41,175,000 $138,636 $2,956 4.42%
    Angola, IN (FHA|USDA|VA) 29 $7,055,000 $243,276 $3,096 4.48%
    Marion, IN (FHA|USDA|VA) 67 $6,315,000 $94,254 $3,098 4.43%
    MUNCIE, IN (FHA|USDA|VA) 74 $6,090,000 $82,297 $2,675 4.61%
    New Castle, IN (FHA|USDA|VA) 58 $4,380,000 $75,517 $2,757 4.81%
    Outside of Metro Areas 44 $3,940,000 $89,545 $2,935 4.45%
    KOKOMO, IN (FHA|USDA|VA) 32 $3,710,000 $115,938 $3,210 4.15%
    Warsaw, IN (FHA|USDA|VA) 13 $2,135,000 $164,231 $3,690 4.42%
    Auburn, IN (FHA|USDA|VA) 10 $1,840,000 $184,000 $5,076 5.15%
    Kendallville, IN (FHA|USDA|VA) 17 $1,525,000 $89,706 $2,516 4.49%
    LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 3 $945,000 $315,000 $3,204 3.29%
    Peru, IN (FHA|USDA|VA) 5 $805,000 $161,000 $3,199 3.92%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 1 $805,000 $805,000 $3,572 4.25%
    Huntington, IN (FHA|USDA|VA) 6 $720,000 $120,000 $3,128 3.67%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 3 $705,000 $235,000 $3,691 3.92%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 1 $475,000 $475,000 $3,357 3.13%
    Sturgis, MI (FHA|USDA|VA) 1 $345,000 $345,000 $3,188 3.00%
    Richmond, IN (FHA|USDA|VA) 2 $330,000 $165,000 $4,042 3.81%
    HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 1 $285,000 $285,000 $3,120 2.88%
    Defiance, OH (FHA|USDA|VA) 2 $260,000 $130,000 $2,407 4.69%
    DAYTON-KETTERING, OH (FHA|USDA|VA) 1 $245,000 $245,000 $3,385 3.88%
    Bluffton, IN (FHA|USDA|VA) 3 $215,000 $71,667 $2,115 5.04%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 1 $205,000 $205,000 $5,449 3.13%
    GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 1 $175,000 $175,000 $3,662 4.63%
    Decatur, IN (FHA|USDA|VA) 2 $170,000 $85,000 $2,363 3.56%
    ELKHART-GOSHEN, IN (FHA|USDA|VA) 1 $165,000 $165,000 $3,090 5.25%
    LOUISVILLE, KY (FHA|USDA|VA) 1 $135,000 $135,000 $2,695 5.00%
    Wabash, IN (FHA|USDA|VA) 2 $110,000 $55,000 $3,379 5.13%
    Logansport, IN (FHA|USDA|VA) 3 $75,000 $25,000 $1,927 5.04%
    EVANSVILLE, IN-KY (FHA|USDA|VA) 1 $25,000 $25,000 $0 3.49%
    Star Financial Bank's top markets include Indianapolis, Fort Wayne, Angola, Marion, and Muncie among others.

    Their top states include:
  • Indiana (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Illinois (FHA|USDA|VA)
  • Michigan (FHA|USDA|VA)
  • Ohio (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.

    PrimeTrust Financial Federal Credit Union
    Similarity Rank: 30
    Fire Police City County Federal Credit Union
    Similarity Rank: 72
    BALL STATE FEDERAL CREDIT UNION
    Similarity Rank: 75
    Security Federal Savings Bank
    Similarity Rank: 117
    BEACON CREDIT UNION
    Similarity Rank: 260
    ProFed Federal Credit Union
    Similarity Rank: 418
    INDIANA UNIVERSITY CREDIT UNION
    Similarity Rank: 434
    Hendricks County Bank and Trust Company
    Similarity Rank: 456
    Victory Community Bank
    Similarity Rank: 480
    MIDWEST AMERICA
    Similarity Rank: 600

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 511 $104,545,000 $204,589 $3,079 3.93%
    HELOC 488 $30,950,000 $63,422 n/a 5.02%

    For 2019, Star Financial Bank's most frequently originated type of loan was Conventional, with 511 originations. Their 2nd most popular type was HELOC, with 488 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Other 251 $17,555,000 $69,940 $1,262 5.05%
    Home Purchase 243 $50,605,000 $208,251 $3,150 4.10%
    Home Improvement 199 $11,475,000 $57,663 $2,317 5.08%
    Refi 158 $32,670,000 $206,772 $2,672 3.91%
    Cash Out Refi 148 $23,190,000 $156,689 $3,416 3.82%

    For 2019, Star Financial Bank's most frequently cited loan purpose was Other, with 251 originations. The 2nd most popular reason was Home Purchase, with 243 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    10 Year 526 $36,440,000 $69,278 $2,082 4.89%
    30 Year 307 $64,565,000 $210,309 $3,238 4.03%
    15 Year 83 $17,095,000 $205,964 $2,864 3.55%
    30+ year 27 $10,325,000 $382,407 $4,674 4.34%
    20 Year 27 $3,655,000 $135,370 $2,465 4.01%
    Other 17 $3,055,000 $179,706 $2,881 3.36%
    5 Year 11 $355,000 $32,273 $0 5.91%
    3 Year 1 $5,000 $5,000 $0 6.00%

    For 2019, Star Financial Bank's most frequently cited loan duration was 10 Year, with 526 originations. The 2nd most popular length was 30 Year, with 307 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 223 $43,195,000 $193,700
    $<1k 152 $34,000,000 $223,684
    $2k-3k 74 $13,430,000 $181,486
    $3k-4k 37 $7,565,000 $204,459
    $5k+ 10 $3,280,000 $328,000
    $4k-5k 9 $1,885,000 $209,444

    Star Financial Bank's average total fees were $3,238, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 223 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 438 $68,870,000 $157,237
    5-6% 241 $15,395,000 $63,880
    4-5% 179 $32,585,000 $182,039
    6-7% 78 $3,480,000 $44,615
    2.5-3% 57 $14,705,000 $257,982
    7-8% 3 $35,000 $11,667
    <2.5% 2 $380,000 $190,000

    During 2019, Star Financial Bank's average interest rate for loans was 4.03%, while their most frequently originated rate bucket for loans was 3-4%, with 438 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 558 $26,230,000 $47,007 $2,390 4.79%
    $100k-200k 239 $33,345,000 $139,519 $2,994 4.29%
    $200k-400k 139 $36,705,000 $264,065 $3,706 3.87%
    $400k-600k 35 $16,525,000 $472,143 $3,913 3.61%
    $600k-1MM 24 $17,800,000 $741,667 $3,499 3.54%
    $1MM+ 4 $4,890,000 $1,222,500 $5,217 3.78%

    2019 saw Star Financial Bank place emphasis on $100,000 or less loans with 558 originations, totaling $26,230,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 226 $21,130,000 $93,496 $2,934 4.58%
    $50k or less 222 $13,140,000 $59,189 $2,446 4.56%
    $100k-150k 171 $22,645,000 $132,427 $3,410 4.48%
    $75k-100k 144 $16,240,000 $112,778 $3,409 4.70%
    $150k-250k 109 $19,975,000 $183,257 $3,523 4.28%
    $250k+ 100 $37,810,000 $378,100 $3,349 3.89%

    Star Financial Bank lent most frequently to those with incomes in the $50k-75k range, with 226 originations. The second most popular income band? $50k or less, with 222 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 289 $40,945,000 $141,678 $3,154 4.47%
    <20% 204 $24,510,000 $120,147 $2,791 4.35%
    30-36% 185 $22,825,000 $123,378 $3,105 4.60%
    42% 43 $4,735,000 $110,116 $3,060 4.73%
    40% 42 $6,260,000 $149,048 $3,183 4.35%
    37% 37 $5,025,000 $135,811 $3,288 4.66%
    39% 32 $6,270,000 $195,938 $2,379 4.51%
    36% 30 $4,050,000 $135,000 $2,466 4.70%
    41% 24 $3,280,000 $136,667 $3,577 4.31%
    38% 18 $2,920,000 $162,222 $4,094 4.60%
    44% 15 $2,655,000 $177,000 $3,374 3.88%
    43% 13 $1,995,000 $153,462 $3,015 4.15%
    >60% 11 $515,000 $46,818 $0 4.86%
    48% 9 $1,535,000 $170,556 $3,569 3.96%
    45% 8 $1,460,000 $182,500 $3,270 4.34%
    50-60% 6 $660,000 $110,000 $3,170 4.81%
    49% 5 $685,000 $137,000 $2,444 4.10%
    46% 4 $900,000 $225,000 $5,345 4.19%
    47% 2 $350,000 $175,000 $2,706 4.25%

    Star Financial Bank lent most frequently to those with DTI ratios of 20-30%, with 289 originations. The next most common DTI ratio? <20%, with 204 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 884 $121,390,000 $137,319 $3,074 4.44%
    Not provided 75 $8,615,000 $114,867 $3,148 4.70%
    Black 14 $1,370,000 $97,857 $2,949 4.53%
    Asian Indian 3 $1,335,000 $445,000 $3,165 3.92%
    Chinese 1 $845,000 $845,000 $2,657 2.88%
    Asian 7 $805,000 $115,000 $2,447 4.64%
    American Indian 3 $595,000 $198,333 $2,944 3.71%
    Not applicable 11 $375,000 $34,091 $0 5.25%
    Native Hawaiian or Islander 1 $165,000 $165,000 $6,230 5.00%

    Approval Rates

    Total approvals of all applications
    74.29%

    Star Financial Bank has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    69.27%

    Star Financial Bank has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 999 $135,495,000 $135,631

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Single Family (1-4 Units):Manufactured 18 $1,150,000 $63,889
    Single Family (1-4 Units):Site-Built 981 $134,345,000 $136,947

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 206 $13,340,000 $64,757 $2,226 4.80%
    40-60% 144 $19,010,000 $132,014 $2,551 4.23%
    60-80% 220 $44,530,000 $202,409 $3,343 4.03%
    80-100% 219 $50,935,000 $232,580 $3,281 4.16%
    Over 100% 3 $305,000 $101,667 $0 5.41%
    Under 20% 207 $7,375,000 $35,628 $957 5.05%

    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 $13,634
    STAR Financial Bank 102 West Van Buren Street Columbia City, IN 46725 Full Service B&M $107,143
    STAR Financial Bank 105 Frontage Road Columbia City, IN 46725 Full Service B&M $42,626
    STAR Financial Bank 1127 North Baldwin Aveue Marion, IN 46952 Full Service B&M $34,858
    STAR Financial Bank 114 East Walnut Street Kokomo, IN 46901 Full Service B&M $16,551
    STAR Financial Bank 11673 Allisonville Road Fishers, IN 46038 Full Service B&M $9,769
    STAR Financial Bank 125 South Anderson Street Elwood, IN 46036 Full Service B&M $66,455
    STAR Financial Bank 127 West Berry Street Fort Wayne, IN 46802 Full Service B&M $282,572
    STAR Financial Bank 13318 Olio Road Fishers, IN 46037 Full Service B&M $10,191
    STAR Financial Bank 140 East Carmel Drive Carmel, IN 46032 Full Service B&M $10,386
    STAR Financial Bank 1503 East 53rd Street Anderson, IN 46013 Full Service B&M $70,921
    STAR Financial Bank 1523 East Cross Street Anderson, IN 46012 Full Service B&M $39,424
    STAR Financial Bank 2004 N. Wayne Street Suite F Angola, IN 46703 Full Service B&M $42,993
    STAR Financial Bank 2130 East Dupont Road Fort Wayne, IN 46825 Full Service B&M $25,535
    STAR Financial Bank 230 East New Road Greenfield, IN 46140 Full Service B&M $45,606
    STAR Financial Bank 2900 South Washington Street Kokomo, IN 46902 Full Service B&M $28,335
    STAR Financial Bank 2948 South Western Avenue Marion, IN 46953 Full Service B&M $21,404
    STAR Financial Bank 315 South Adams Street Marion, IN 46952 Full Service B&M $80,342
    STAR Financial Bank 3300 N Everbrook Muncie, IN 47304 Full Service B&M $80,107
    STAR Financial Bank 3610 River Crossing Parkway Indianapolis, IN 46240 Full Service B&M $91,067
    STAR Financial Bank 3701 N. Broadway Avenue Muncie, IN 47303 Full Service B&M $23,738
    STAR Financial Bank 400 North High Street Muncie, IN 47305 Full Service B&M $44,862
    STAR Financial Bank 403 Parkview Drive New Castle, IN 47362 Full Service B&M $59,995
    STAR Financial Bank 4070 North Us 33 Churubusco, IN 46723 Full Service B&M $27,227
    STAR Financial Bank 5513 Illinois Road Fort Wayne, IN 46804 Full Service B&M $26,729
    STAR Financial Bank 5760 Coventry Lane Fort Wayne, IN 46804 Full Service B&M $26,362
    STAR Financial Bank 5920 St. Joe Center Road Fort Wayne, IN 46835 Full Service B&M $32,671
    STAR Financial Bank 6240 Bluffton Road Fort Wayne, IN 46809 Full Service B&M $27,874
    STAR Financial Bank 7110 Lima Road Fort Wayne, IN 46818 Full Service B&M $30,358
    STAR Financial Bank 7180 State Road 67 Pendleton, IN 46064 Full Service B&M $33,940
    STAR Financial Bank 735 Main Street Anderson, IN 46015 Full Service B&M $95,112
    STAR Financial Bank 874 East Jefferson St Tipton, IN 46072 Full Service B&M $27,116
    STAR Financial Bank 8762 East 96th Street Fishers, IN 46037 Full Service B&M $15,435
    STAR Financial Bank 9102 N Meridian St., Suite 101 Indianapolis, IN 46260 Full Service B&M $33,385
    STAR Financial Bank 9165 East 56th Street Indianapolis, IN 46216 Full Service B&M $9,799
    STAR Financial Bank 931 East Main Street Gas City, IN 46933 Full Service B&M $59,961
    STAR Financial Bank 9480 E. 146th Street Noblesville, IN 46060 Full Service B&M $52,102

    For 2019, Star Financial Bank had 37 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $84,816
    Net interest income $73,069
    Total noninterest income $25,147
    Gross Fiduciary activities income $2,485
    Service charges on deposit accounts $8,454
    Trading account gains and fees $0
    Additional Noninterest Income $14,208
    Pre-tax net operating income $30,969
    Securities gains (or losses, -) $80
    Income before extraordinary items $24,684
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $24,684
    Minority interest net income $0
    Net income $24,684
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $24,620

    Star Financial Bank's gross interest income from loans was $84,816,000.
    Star Financial Bank's net interest income from loans was $73,069,000.
    Star Financial Bank's fee based income from loans was $8,454,000.
    Star Financial Bank's net income from loans was $24,684,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $11,747
    Provision for credit losses $2,055
    Total noninterest expense $65,192
    Salaries and employee benefits $36,610
    Premises and equipment expense $9,747
    Additional noninterest expense $18,835
    Applicable income taxes $6,365
    Net charge-offs $2,466
    Cash dividends $15,700

    Star Financial Bank's interest expense for loans was $11,747,000.
    Star Financial Bank's payroll and benefits expense were $36,610,000.
    Star Financial Bank's property, plant and equipment expenses $9,747,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 0.0%
    Real Estate loans 0.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 0.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 0.0%
    HELOC loans 0.0%
    All other family 0.0%
    Commercial & industrial loans 1.0%
    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 $1,783,135
    Deposits held in domestic offices $1,783,135
    Deposits by Individuals, partnerships, and corporations $1,533,820
    Deposits by U.S. Government $65
    Deposits by States and political subdivisions in the U.S. $249,250
    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 $206,487
    Demand deposits $150,953
    Nontransaction accounts $1,576,648
    Money market deposit accounts (MMDAs) $352,365
    Other savings deposits (excluding MMDAs) $1,038,170
    Total time deposits $186,113
    Total time and savings deposits $1,632,182
    Noninterest-bearing deposits $626,266
    Interest-bearing deposits $1,156,869
    Retail deposits $1,737,725
    IRAs and Keogh plan accounts $27,428
    Brokered deposits $17,457
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $2,089,468
    Cash & Balances due from depository institutions $143,259
    Interest-bearing balances $99,637
    Total securities $356,627
    Federal funds sold & reverse repurchase $0
    Net loans and leases $1,470,690
    Loan and leases loss allowance $19,081
    Trading account assets $0
    Bank premises and fixed assets $43,622
    Other real estate owned $2,235
    Goodwill and other intangibles $4,418
    All other assets $68,617

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $2,089,468
    Total Liabilities $1,859,461
    Total deposits $1,783,135
    Interest-bearing deposits $1,156,869
    Deposits held in domestic offices $1,783,135
    % insured (estimated) $63
    Federal funds purchased and repurchase agreements $41,274
    Trading liabilities $0
    Other borrowed funds $25,884
    Subordinated debt $0
    All other liabilities $9,168

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $1,470,690
    Loan and leases loss allowance $19,081
    Total loans and leases (domestic) $1,489,771
    All real estate loans $907,402
    Real estate loans in domestic offices $907,402
    Construction and development loans $122,318
    Residential 1-4 family construction $39,280
    Other construction, all land development and other land $83,038
    Loans secured by nonfarm nonresidential properties $414,003
    Nonfarm nonresidential secured by owner-occupied properties $230,742
    Commercial real estate & other non-farm, non-residential $183,261
    Multifamily residential real estate $45,486
    1-4 family residential loans $290,098
    Farmland loans $35,497
    Loans held in foreign offices $0
    Farm loans $34,268
    Commercial and industrial loans $413,758
    To non-U.S. addressees $0
    Loans to individuals $35,676
    Credit card loans $0
    Related Plans $2,753
    Consumer Auto Loans $18,596
    Other loans to individuals $14,327
    All other loans & leases $98,667
    Loans to foreign governments and official institutions $0
    Other loans $650
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $18,125
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $5,553
    Non 1-4 family restructured loans & leases $4,657
    Total loans and leases (foreign) $0

    STAR Financial Bank had $1,470,690,000 of loans outstanding in 2019. $907,402,000 of loans were in real estate loans. $122,318,000 of loans were in development loans. $45,486,000 of loans were in multifamily mortgage loans. $290,098,000 of loans were in 1-4 family mortgage loans. $34,268,000 of loans were in farm loans. $0 of loans were in credit card loans. $18,596,000 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 315 $68,845 $218,556
    Nonfarm, nonresidential loans - <$100k 54 $1,909 $35,352
    Nonfarm, nonresidential loans - $100-250k 106 $10,700 $100,943
    Nonfarm, nonresidential loans - $250k-1MM 155 $56,236 $362,813
    Commercial & Industrial, US addressed loans - <$1MM 837 $96,959 $115,841
    Commercial & Industrial, US addressed loans - <$100k 380 $9,590 $25,237
    Commercial & Industrial, US addressed loans - $100-250k 213 $21,781 $102,258
    Commercial & Industrial, US addressed loans - $250k-1MM 244 $65,588 $268,803
    Farmland loans - <$1MM 92 $12,975 $141,033
    Farmland loans - <$100k 19 $823 $43,316
    Farmland loans - $100-250k 45 $5,312 $118,044
    Farmland loans - $250k-1MM 28 $6,840 $244,286
    Agriculture operations loans - <$1MM 94 $7,752 $82,468
    Agriculture operations loans - <$100k 54 $1,276 $23,630
    Agriculture operations loans - $100-250k 23 $2,587 $112,478
    Agriculture operations loans - $250k-1MM 17 $3,889 $228,765