# Stellar Bank

> **Canonical URL:** https://saferate.com/lenders/stellar-bank


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


Stellar Bank is a independent mortgage company, headquartered in Houston, TX, with 84 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 91% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 79% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300Y5YUNNHUW2EQ06
- **Headquarters:** Houston, TX
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** TX
- **Markets (MSAs):** 1
- **Primary Channel:** mix
- **Direct Origination:** 76.4%
- **Brokered/Wholesale:** 23.6%

## Safe Rate Ratings

### Pricing: Mediocre 😐
- Score: 9/100
- Rating: ●○○○○ (1/5)

### Pull Through: Acceptable 🙂
- Score: 21/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** +0.253%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $3,768
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 84
- **Dollar Volume:** $71 million
- **Applications Received:** 191
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $841,905
- **Average Borrower Income:** $899,881
- **Average Property Value:** $1,192,976

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 21/100 | 46 | +0.255% | $3,139 | Acceptable 🙂 |
| Jumbo | 72/100 | 38 | +0.247% | $5,758 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 43 loans, Score: 23/100 (Acceptable)

**Jumbo:**
- Purchase: 38 loans, Score: 74/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 30/100 | 81 | $70M | +0.219% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| TX | 84 | 0.02% | 64/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Houston | TX | 65 | 67/100 |

## Frequently Asked Questions

### What loan types does Stellar Bank offer?

Stellar Bank offers the following mortgage loan types: Conventional, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Stellar Bank offer mortgages?

Stellar Bank offers mortgages in 1 states: TX.

### How competitive are Stellar Bank's mortgage rates?

Stellar Bank has a pricing score of 9/100 (Mediocre), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.253% above market average.

### What type of lender is Stellar Bank?

Stellar Bank is a non-depository lender that specializes in mortgage origination, headquartered in Houston, TX.

### What is Stellar Bank's loan approval success rate?

Stellar Bank has a pull-through score of 21/100 (Acceptable). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/stellar-bank

### How to Cite

> "Stellar Bank Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/stellar-bank

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