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 Cash Out Refi, Refi, and Home Purchase loans. Star Financial Bank has a high proportion of conventional loans. Their top markets by origination volume include: Indianapolis, Fort Wayne, Muncie, Marion, and New Castle among others. We have data for 39 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% 5/4/24
    30 Year Conventional Purchase 6.76% 5/4/24
    30 Year Conventional Refi 6.64% 5/4/24
    30 Year Cash-out Refi 6.73% 5/4/24
    30 Year FHA Purchase 6.27% 5/4/24
    30 Year VA Purchase 6.27% 5/4/24
    30 Year USDA Purchase 6.27% 5/4/24
    15 Year Conventional Purchase 6.37% 5/4/24
    15 Year Conventional Refi 6.21% 5/4/24
    15 Year Cash-out Refi 6.21% 5/4/24
    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

    1,479

    Origination Dollar Volume (All Markets)

    $230,785,000

    Employee count

    448

    Awards

    STAR Financial Bank 30 Year Conventional Loans bronze STAR Financial Bank 30 Year Conventional Loans silver STAR Financial Bank 30 Year Conventional Loans silver STAR Financial Bank 30 Year Conventional Loans bronze
    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) 504 $100,610,000 $199,623 $3,845 2.91%
    FORT WAYNE, IN (FHA|USDA|VA) 386 $54,980,000 $142,435 $3,157 2.90%
    Outside of Metro Areas 96 $11,830,000 $123,229 $3,264 2.88%
    MUNCIE, IN (FHA|USDA|VA) 104 $11,630,000 $111,827 $3,482 2.92%
    Marion, IN (FHA|USDA|VA) 97 $9,475,000 $97,680 $2,652 2.92%
    New Castle, IN (FHA|USDA|VA) 78 $7,130,000 $91,410 $3,232 2.84%
    Angola, IN (FHA|USDA|VA) 35 $6,725,000 $192,143 $3,699 2.84%
    KOKOMO, IN (FHA|USDA|VA) 55 $5,435,000 $98,818 $3,168 2.67%
    Kendallville, IN (FHA|USDA|VA) 34 $4,210,000 $123,824 $3,469 2.79%
    Warsaw, IN (FHA|USDA|VA) 12 $3,520,000 $293,333 $4,805 2.72%
    Auburn, IN (FHA|USDA|VA) 16 $2,480,000 $155,000 $3,251 2.89%
    LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 8 $1,700,000 $212,500 $3,106 2.75%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 1 $1,285,000 $1,285,000 $11,020 2.88%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 1 $1,155,000 $1,155,000 $9,992 3.00%
    Wabash, IN (FHA|USDA|VA) 6 $980,000 $163,333 $2,720 2.68%
    Bluffton, IN (FHA|USDA|VA) 6 $850,000 $141,667 $2,353 2.52%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 1 $745,000 $745,000 $4,801 2.88%
    Huntington, IN (FHA|USDA|VA) 5 $575,000 $115,000 $3,309 2.92%
    Logansport, IN (FHA|USDA|VA) 5 $555,000 $111,000 $2,950 2.85%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 3 $535,000 $178,333 $3,836 2.96%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 1 $495,000 $495,000 $6,287 3.25%
    Frankfort, IN (FHA|USDA|VA) 2 $430,000 $215,000 $4,775 3.25%
    Key West, FL (FHA|USDA|VA) 1 $385,000 $385,000 $4,158 2.38%
    Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 2 $340,000 $170,000 $2,909 2.94%
    North Vernon, IN (FHA|USDA|VA) 1 $305,000 $305,000 $4,809 3.50%
    ELKHART-GOSHEN, IN (FHA|USDA|VA) 1 $285,000 $285,000 $9,226 3.63%
    SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 4 $280,000 $70,000 $1,675 3.09%
    JACKSONVILLE, FL (FHA|USDA|VA) 1 $255,000 $255,000 $0 3.75%
    Defiance, OH (FHA|USDA|VA) 3 $255,000 $85,000 $0 2.66%
    Sturgis, MI (FHA|USDA|VA) 1 $255,000 $255,000 $0 2.99%
    CINCINNATI, OH-KY-IN (FHA|USDA|VA) 1 $205,000 $205,000 $3,881 3.13%
    COLUMBUS, IN (FHA|USDA|VA) 1 $205,000 $205,000 $4,363 3.63%
    BLOOMINGTON, IN (FHA|USDA|VA) 1 $185,000 $185,000 $4,533 3.00%
    Coldwater, MI (FHA|USDA|VA) 1 $175,000 $175,000 $5,015 2.75%
    Decatur, IN (FHA|USDA|VA) 1 $105,000 $105,000 $2,922 3.38%
    Connersville, IN (FHA|USDA|VA) 1 $95,000 $95,000 $2,262 3.00%
    Plymouth, IN (FHA|USDA|VA) 1 $65,000 $65,000 $0 3.75%
    Peru, IN (FHA|USDA|VA) 1 $45,000 $45,000 $0 3.75%
    Richmond, IN (FHA|USDA|VA) 1 $15,000 $15,000 $0 3.75%
    Star Financial Bank's top markets include Indianapolis, Fort Wayne, Muncie, Marion, and New Castle among others.

    Their top states include:
  • Indiana (FHA|USDA|VA)
  • Florida (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
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 787 $177,875,000 $226,017 $3,436 2.82%
    HELOC 692 $52,910,000 $76,460 n/a 2.97%

    For 2021, Star Financial Bank's most frequently originated type of loan was Conventional, with 787 originations. Their 2nd most popular type was HELOC, with 692 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Cash Out Refi 592 $76,040,000 $128,446 $3,672 2.93%
    Refi 330 $61,600,000 $186,667 $3,028 2.64%
    Home Improvement 304 $22,100,000 $72,697 $2,667 2.96%
    Home Purchase 209 $67,535,000 $323,134 $3,670 3.07%
    Other 44 $3,510,000 $79,773 $0 2.90%

    For 2021, Star Financial Bank's most frequently cited loan purpose was Cash Out Refi, with 592 originations. The 2nd most popular reason was Refi, with 330 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    10 Year 755 $62,145,000 $82,311 $2,585 2.92%
    30 Year 353 $83,095,000 $235,397 $3,505 3.09%
    15 Year 211 $37,885,000 $179,550 $3,136 2.42%
    20 Year 82 $13,830,000 $168,659 $3,584 2.83%
    30+ year 44 $25,850,000 $587,500 $5,552 3.29%
    Other 31 $7,865,000 $253,710 $3,243 2.66%
    5 Year 2 $90,000 $45,000 $229 3.87%
    1 Year 1 $25,000 $25,000 $0 4.00%

    For 2021, Star Financial Bank's most frequently cited loan duration was 10 Year, with 755 originations. The 2nd most popular length was 30 Year, with 353 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 331 $66,125,000 $199,773
    $<1k 207 $56,465,000 $272,778
    $2k-3k 134 $23,500,000 $175,373
    $3k-4k 60 $13,880,000 $231,333
    $5k+ 28 $10,070,000 $359,643
    $4k-5k 27 $7,835,000 $290,185

    Star Financial Bank's average total fees were $3,505, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 331 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    2.5-3% 621 $107,425,000 $172,987
    <2.5% 454 $54,890,000 $120,903
    3-4% 371 $66,315,000 $178,747
    4-5% 32 $2,120,000 $66,250
    5-6% 1 $35,000 $35,000

    During 2021, Star Financial Bank's average interest rate for loans was 3.09%, while their most frequently originated rate bucket for loans was 2.5-3%, with 621 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 740 $38,610,000 $52,176 $2,497 2.91%
    $100k-200k 409 $56,045,000 $137,029 $3,008 2.81%
    $200k-400k 230 $61,290,000 $266,478 $4,287 2.95%
    $400k-600k 47 $22,745,000 $483,936 $5,014 2.85%
    $600k-1MM 31 $24,125,000 $778,226 $4,170 2.99%
    $1MM+ 22 $27,970,000 $1,271,364 $7,265 3.11%

    2021 saw Star Financial Bank place emphasis on $100,000 or less loans with 740 originations, totaling $38,610,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k or less 340 $24,530,000 $72,147 $2,629 2.87%
    $50k-75k 330 $33,090,000 $100,273 $3,152 2.85%
    $100k-150k 254 $34,950,000 $137,598 $3,684 2.92%
    $75k-100k 218 $27,060,000 $124,128 $3,355 2.91%
    $150k-250k 160 $35,570,000 $222,313 $4,036 2.95%
    $250k+ 148 $71,620,000 $483,919 $5,007 2.92%

    Star Financial Bank lent most frequently to those with incomes in the $50k or less range, with 340 originations. The second most popular income band? $50k-75k, with 330 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 495 $70,515,000 $142,455 $3,304 2.89%
    30-36% 281 $42,795,000 $152,295 $3,396 2.91%
    <20% 267 $41,925,000 $157,022 $3,353 2.86%
    42% 73 $7,915,000 $108,425 $3,837 2.86%
    36% 58 $10,500,000 $181,034 $3,633 2.86%
    38% 42 $7,350,000 $175,000 $3,668 2.84%
    41% 42 $6,920,000 $164,762 $3,303 2.89%
    37% 39 $9,195,000 $235,769 $3,705 2.88%
    39% 37 $9,625,000 $260,135 $3,987 2.90%
    40% 36 $6,190,000 $171,944 $3,315 3.05%
    44% 18 $3,260,000 $181,111 $4,274 2.82%
    43% 17 $2,195,000 $129,118 $4,153 2.85%
    45% 17 $2,355,000 $138,529 $2,882 2.88%
    46% 10 $1,850,000 $185,000 $4,041 3.08%
    47% 10 $1,770,000 $177,000 $3,193 3.01%
    50-60% 9 $945,000 $105,000 $3,117 3.22%
    49% 5 $1,245,000 $249,000 $3,360 2.65%
    >60% 4 $1,340,000 $335,000 $4,737 3.21%
    48% 4 $690,000 $172,500 $3,166 2.84%

    Star Financial Bank lent most frequently to those with DTI ratios of 20-30%, with 495 originations. The next most common DTI ratio? 30-36%, with 281 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,265 $195,825,000 $154,802 $3,448 2.87%
    Not provided 174 $22,450,000 $129,023 $3,252 2.99%
    Asian 9 $4,055,000 $450,556 $3,403 3.01%
    Asian Indian 4 $2,750,000 $687,500 $4,787 2.84%
    Black 17 $2,135,000 $125,588 $3,167 3.00%
    Korean 1 $1,005,000 $1,005,000 $3,327 2.88%
    American Indian 2 $880,000 $440,000 $3,871 3.00%
    Other Asian 2 $780,000 $390,000 $2,662 2.94%
    Not applicable 3 $565,000 $188,333 $0 3.24%
    Filipino 1 $255,000 $255,000 $3,381 2.88%
    Native Hawaiian or Islander 1 $85,000 $85,000 $1,969 2.38%

    Approval Rates

    Total approvals of all applications
    79.65%

    Star Financial Bank has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    81.88%

    Star Financial Bank has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 1,479 $230,785,000 $156,041

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    1,479 $230,785,000 $156,041

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 319 $27,435,000 $86,003 $2,732 2.85%
    40-60% 296 $47,330,000 $159,899 $2,768 2.73%
    60-80% 387 $92,225,000 $238,307 $3,929 2.92%
    80-100% 172 $49,180,000 $285,930 $3,624 2.99%
    Over 100% 1 $565,000 $565,000 $5,964 3.25%
    Under 20% 303 $13,795,000 $45,528 $2,108 3.01%

    Complaints

    Bank Name Product Issue 2021 CPFB Complaints % of Total Issues
    STARBOARD FINANCIAL MANAGEMENT FHA mortgage Trouble during payment process 1 100.0%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Star Financial Bank 1000 Mulberry St Zionsville, IN 46077 Full Service B&M $7,838
    Star Financial Bank 10010 Illinois Road Fort Wayne, IN 46804 Full Service B&M $78,101
    Star Financial Bank 102 West Van Buren Street Columbia City, IN 46725 Full Service B&M $154,909
    Star Financial Bank 105 Frontage Road Columbia City, IN 46725 Full Service B&M $56,473
    Star Financial Bank 1127 North Baldwin Aveue Marion, IN 46952 Full Service B&M $48,076
    Star Financial Bank 114 East Walnut Street Kokomo, IN 46901 Full Service B&M $23,324
    Star Financial Bank 125 South Anderson Street Elwood, IN 46036 Full Service B&M $71,809
    Star Financial Bank 127 West Berry Street Fort Wayne, IN 46802 Full Service B&M $411,190
    Star Financial Bank 13318 Olio Road Fishers, IN 46037 Full Service B&M $15,943
    Star Financial Bank 140 East Carmel Drive Carmel, IN 46032 Full Service B&M $22,913
    Star Financial Bank 1503 East 53rd Street Anderson, IN 46013 Full Service B&M $91,863
    Star Financial Bank 1523 East Cross Street Anderson, IN 46012 Full Service B&M $56,523
    Star Financial Bank 2004 N. Wayne Street Suite F Angola, IN 46703 Full Service B&M $58,118
    Star Financial Bank 2130 East Dupont Road Fort Wayne, IN 46825 Full Service B&M $44,073
    Star Financial Bank 230 East New Road Greenfield, IN 46140 Full Service B&M $81,896
    Star Financial Bank 2900 South Washington Street Kokomo, IN 46902 Full Service B&M $41,014
    Star Financial Bank 2948 South Western Avenue Marion, IN 46953 Full Service B&M $31,868
    Star Financial Bank 315 South Adams Street Marion, IN 46952 Full Service B&M $112,781
    Star Financial Bank 3300 N Everbrook Muncie, IN 47304 Full Service B&M $110,137
    Star Financial Bank 3701 N. Broadway Avenue Muncie, IN 47303 Full Service B&M $31,344
    Star Financial Bank 400 North High Street Muncie, IN 47305 Full Service B&M $81,669
    Star Financial Bank 403 Parkview Drive New Castle, IN 47362 Full Service B&M $74,456
    Star Financial Bank 4070 North Us 33 Churubusco, IN 46723 Full Service B&M $36,831
    Star Financial Bank 46 Monument Circle Indianapolis, IN 46204 Full Service B&M $206,656
    Star Financial Bank 5760 Coventry Lane Fort Wayne, IN 46804 Full Service B&M $43,757
    Star Financial Bank 5920 St. Joe Center Road Fort Wayne, IN 46835 Full Service B&M $39,875
    Star Financial Bank 6240 Bluffton Road Fort Wayne, IN 46809 Full Service B&M $39,190
    Star Financial Bank 7110 Lima Road Fort Wayne, IN 46818 Full Service B&M $49,287
    Star Financial Bank 7180 State Road 67 Pendleton, IN 46064 Full Service B&M $49,016
    Star Financial Bank 735 Main Street Anderson, IN 46015 Full Service B&M $85,756
    Star Financial Bank 874 East Jefferson St Tipton, IN 46072 Full Service B&M $35,635
    Star Financial Bank 8762 East 96th Street Fishers, IN 46037 Full Service B&M $31,942
    Star Financial Bank 9102 N Meridian St., Suite 101 Indianapolis, IN 46260 Full Service B&M $47,879
    Star Financial Bank 9165 East 56th Street Indianapolis, IN 46216 Full Service B&M $16,381
    Star Financial Bank 931 East Main Street Gas City, IN 46933 Full Service B&M $70,466
    Star Financial Bank 9480 E. 146th Street Noblesville, IN 46060 Full Service B&M $67,038

    For 2021, Star Financial Bank had 36 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $78,043
    Net interest income $75,914
    Total noninterest income $27,773
    Gross Fiduciary activities income $2,849
    Service charges on deposit accounts $7,051
    Trading account gains and fees $0
    Additional Noninterest Income $17,873
    Pre-tax net operating income $31,715
    Securities gains (or losses, -) $0
    Income before extraordinary items $25,463
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $25,463
    Minority interest net income $0
    Net income $25,463
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $25,463

    Star Financial Bank's gross interest income from loans was $78,043,000.
    Star Financial Bank's net interest income from loans was $75,914,000.
    Star Financial Bank's fee based income from loans was $7,051,000.
    Star Financial Bank's net income from loans was $25,463,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $2,129
    Provision for credit losses $950
    Total noninterest expense $71,022
    Salaries and employee benefits $37,785
    Premises and equipment expense $11,010
    Additional noninterest expense $22,227
    Applicable income taxes $6,252
    Net charge-offs $5,047
    Cash dividends $9,000

    Star Financial Bank's interest expense for loans was $2,129,000.
    Star Financial Bank's payroll and benefits expense were $37,785,000.
    Star Financial Bank's property, plant and equipment expenses $11,010,000.

    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 0.0%
    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 $2,811,376
    Deposits held in domestic offices $2,811,376
    Deposits by Individuals, partnerships, and corporations $2,346,638
    Deposits by U.S. Government $21
    Deposits by States and political subdivisions in the U.S. $464,220
    Deposits by Commercial banks and other depository institutions in U.S. $497
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $321,307
    Demand deposits $242,321
    Nontransaction accounts $2,490,069
    Money market deposit accounts (MMDAs) $535,909
    Other savings deposits (excluding MMDAs) $1,837,657
    Total time deposits $116,503
    Total time and savings deposits $2,569,055
    Noninterest-bearing deposits $1,163,553
    Interest-bearing deposits $1,647,823
    Retail deposits $2,797,346
    IRAs and Keogh plan accounts $27,403
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $3,092,880
    Cash & Balances due from depository institutions $432,502
    Interest-bearing balances $376,751
    Total securities $1,050,089
    Federal funds sold & reverse repurchase $0
    Net loans and leases $1,491,877
    Loan and leases loss allowance $19,014
    Trading account assets $0
    Bank premises and fixed assets $39,977
    Other real estate owned $521
    Goodwill and other intangibles $4,170
    All other assets $73,744

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $3,092,880
    Total Liabilities $2,836,793
    Total deposits $2,811,376
    Interest-bearing deposits $1,647,823
    Deposits held in domestic offices $2,811,376
    % insured (estimated) $52
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $16,419
    Subordinated debt $0
    All other liabilities $8,998

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $1,491,877
    Loan and leases loss allowance $19,014
    Total loans and leases (domestic) $1,510,891
    All real estate loans $920,607
    Real estate loans in domestic offices $920,607
    Construction and development loans $155,059
    Residential 1-4 family construction $28,411
    Other construction, all land development and other land $126,648
    Loans secured by nonfarm nonresidential properties $390,985
    Nonfarm nonresidential secured by owner-occupied properties $213,153
    Commercial real estate & other non-farm, non-residential $177,832
    Multifamily residential real estate $17,397
    1-4 family residential loans $326,695
    Farmland loans $30,471
    Loans held in foreign offices $0
    Farm loans $27,698
    Commercial and industrial loans $462,116
    To non-U.S. addressees $0
    Loans to individuals $23,560
    Credit card loans $0
    Related Plans $2,894
    Consumer Auto Loans $13,183
    Other loans to individuals $7,483
    All other loans & leases $76,910
    Loans to foreign governments and official institutions $0
    Other loans $932
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $31,849
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $8,422
    Non 1-4 family restructured loans & leases $7,524
    Total loans and leases (foreign) $0

    STAR Financial Bank had $1,491,877,000 of loans outstanding in 2021. $920,607,000 of loans were in real estate loans. $155,059,000 of loans were in development loans. $17,397,000 of loans were in multifamily mortgage loans. $326,695,000 of loans were in 1-4 family mortgage loans. $27,698,000 of loans were in farm loans. $0 of loans were in credit card loans. $13,183,000 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 264 $72,242 $273,644
    Nonfarm, nonresidential loans - <$100k 39 $1,451 $37,205
    Nonfarm, nonresidential loans - $100-250k 71 $8,102 $114,113
    Nonfarm, nonresidential loans - $250k-1MM 154 $62,689 $407,071
    Commercial & Industrial, US addressed loans - <$1MM 1,102 $107,688 $97,721
    Commercial & Industrial, US addressed loans - <$100k 616 $13,081 $21,235
    Commercial & Industrial, US addressed loans - $100-250k 216 $21,323 $98,718
    Commercial & Industrial, US addressed loans - $250k-1MM 270 $73,284 $271,422
    Farmland loans - <$1MM 72 $10,389 $144,292
    Farmland loans - <$100k 11 $601 $54,636
    Farmland loans - $100-250k 38 $4,381 $115,289
    Farmland loans - $250k-1MM 23 $5,407 $235,087
    Agriculture operations loans - <$1MM 65 $5,680 $87,385
    Agriculture operations loans - <$100k 36 $627 $17,417
    Agriculture operations loans - $100-250k 17 $1,682 $98,941
    Agriculture operations loans - $250k-1MM 12 $3,371 $280,917