What loan types does Stellar Bank offer?

Stellar Bank offers the following mortgage loan types: Conventional, Jumbo. Each product has its own pricing score and performance metrics.

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 an overall pricing score of 8.6/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Stellar Bank?

Stellar Bank is a Independent Mortgage Company headquartered in Houston, TX.

Unclaimed

Stellar Bank

Independent Mortgage Company•Houston, TXHQ•Direct & Wholesale•Reviews near you on Google

Stellar Bank has 84 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Mediocre

1/5

vs. all lenders

Pull-through

Acceptable

2/5

closing strength

Product

Strong

4/5

Conventional · Jumbo

Place

Strong

4/5

Single State · 1 mkts

Summary

Things to Think About

Pricing may be below industry average
Pull through efficiency is below industry average

Explore another lender or local market

Report Card

Stellar Bank performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Mediocre

+25.3 bps above market avg

Pull Through

Closing strength

Acceptable

Bottom 40% of lenders

By Loan Product· Specialization by type

Conventional

Acceptable

Bottom 40% of lenders

Jumbo

Strong

Top 40% of lenders

By Loan Purpose· Transaction purpose mix

Purchase

Acceptable

Bottom 40% of lenders

By Location· Geographic coverage

Geographic Reach

Single State · 1 markets

Strong

Top 40% of lenders

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Mediocre	Acceptable	—	Mediocre	46	54.8%	+0.255%Above	$3,139Fees
Jumbo Loans	Strong	Strong	—	Sound	38	45.2%	+0.247%Above	$5,758Fees

Conventional

Overall

Mediocre

Product

Acceptable

Pricing—

Pull Through

Mediocre

Volume46

Mix54.8%

Spread

+0.255%Above

Fees

$3,139Fees

Jumbo Loans

Overall

Strong

Product

Strong

Pricing—

Pull Through

Sound

Volume38

Mix45.2%

Spread

+0.247%Above

Fees

$5,758Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Mediocre	Acceptable	Mediocre	Mediocre	81	96.4%	+0.219%Above	$3,830Fees

Purchase

Overall

Mediocre

Product

Acceptable

Pricing

Mediocre

Pull Through

Mediocre

Volume81

Mix96.4%

Spread

+0.219%Above

Fees

$3,830Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

Applications

191

Volume

$70 million

Pricing & Closing

Avg Rate Spread

+0.253%

vs. market APOR

Avg Net Fees

$3,768

Origination − Credits

Pullthrough Rate

44.0%

Applications → Closed

Typical Borrower

Avg Loan Amount

$841,905

Avg Borrower Income

$899,881

Avg Property Value

$1,192,976

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

South1

Top Metro Areas by Place Specialization Score

Houston, TXMetro

Volume 65Mix 77.38% of portfolio

67/100

Strong

Top States by Place Specialization Score

TexasState

Volume 84Mix 100.00% of portfolio

64/100

Strong

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts

Pricing

Rate and fee competitiveness (33%)

10/ 30 pts

Pull Through

Reliability in closing loans (33%)

10/ 30 pts

Product

Specialization in the loan type (33%)

💎

Champion(80%+ = 24-30 points)

⭐

Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.