PlainLender

Starion Bank

Mandan, ND

Starion Bank processed 293 mortgage applications in 2024 per HMDA data reported to the Consumer Financial Protection Bureau (CFPB), originating 222 loans with a 2.0% denial rate. Home Purchase was the primary loan purpose. Based in Mandan, ND. The approval rate of 75.8% reflects originated loans as a share of all applications. Below you will find a breakdown by loan type, loan purpose, denial reasons, and demographic lending patterns as required by the Home Mortgage Disclosure Act.

Portfolio scale. Starion Bank processed 293 HMDA-reported mortgage applications in 2024, originating 222 loans and denying 6 for a denial rate of 2.0% (applicants themselves withdrew 56 files before a decision). The average loan amount was $444,181 at a 7.012% average note rate, and applicants self-reported an average income of $33,000. The lender reports under LEI 54930019RBT2SM6CQS78 from Mandan, ND.

Why approval and denial rates diverge. Approval (origination) rate and denial rate do not sum to 100% — HMDA records several outcomes beyond approved-and-funded, including files that were approved but not accepted by the applicant, withdrawn, or closed for incompleteness. Starion Bank's 75.8% origination rate tells you how often an application turned into funded money; the 2.0% denial rate is a separate read on underwriting strictness. The most frequently cited denial reasons in this file were Other, Collateral, Debt-to-income ratio, which together explain the majority of rejections. Most activity concentrated in Conventional loans (277 applications).

How to read this page. These figures are aggregate HMDA disclosures — they describe this lender's overall 2024 book, not your individual odds. Approval and denial rates are shaped by the applicant mix a lender actually receives: credit profile, loan-to-value, debt-to-income, property type, and geography. A lower denial rate at one lender versus another does not necessarily mean easier underwriting — it often reflects borrower self-selection and loan-product specialization. This page is informational data reporting, not financial, legal, or mortgage advice. Compare multiple lenders, read your Loan Estimate carefully, and consult a licensed mortgage professional before applying. Data reflects 2024 disclosures published by the CFPB in 2025.

293
Applications
222
Originated
2.0%
Denial Rate
$444,181
Avg Loan Amount
Avg Interest Rate: 7.012% Avg Applicant Income: $33,000

Lending Activity

Type Applications Originated Denied Avg Loan
Conventional 277 214 5 $457,852
FHA 15 8 1 $203,000
VA 1 0 0 $275,000

Top loan types — Starion Bank

Top loan types — Starion Bank Horizontal bar chart of the top 3 items by value (applications). Top loan types — Starion Bank Top 3 1. Conventional 277 2. FHA 15 3. VA 1 Top 5 loan types by application volume at Starion Bank (HMDA 2023). Source: CFPB HMDA loan/application register.

Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2023 LAR — application-level mortgage data for Starion Bank (LEI: 54930019RBT2SM6CQS78) · 2023 HMDA reports filed annually; covers applications received during the calendar year. Approval rates exclude withdrawn / incomplete applications. Denial reasons are lender-reported.

Denial Analysis

Other
3
Collateral
3
Debt-to-income ratio
2
Credit application incomplete
1
Unverifiable information
1
Credit history
1

Loan Purpose Breakdown

Purpose Applications Originated Avg Loan
Home Purchase 209 153 $521,172
Refinancing 34 29 $484,412
Other 20 16 $104,000
Home Improvement 19 15 $82,895
Cash-out Refinancing 11 9 $99,545

Geographic Coverage — Lending by Race

Derived race categories as reported under HMDA. Source: CFPB.

Race Applications Approval Rate Denial Rate
White 182 72.5% 2.2%
Asian 8 87.5% 0.0%
American Indian or Alaska Native 6 33.3% 0.0%
Joint 3 66.7% 0.0%
Black or African American 1 100.0% 0.0%

Lending by Ethnicity

Hispanic/Latino is an ethnicity, not a race. Shown separately per U.S. Census Bureau standards.

Ethnicity Applications Approval Rate Denial Rate
Not Hispanic or Latino 180 74.4% 1.1%
Hispanic or Latino 2 50.0% 0.0%
Joint 2 0.0% 0.0%

Nearby Lenders in ND

Other HMDA-reporting lenders in ND with similar activity. Compare any two side-by-side.

Bell Bank

Fargo, ND

13,496 apps 10,872 originated 5.8% denied

Gate City Bank

Fargo, ND

4,682 apps 3,056 originated 10.3% denied

ALERUS FINANCIAL NA

GRAND FORKS, ND

2,632 apps 2,038 originated 6.6% denied

First International Bank & Trust

Minot, ND

1,791 apps 1,437 originated 6.6% denied

FIRST COMMUNITY CREDIT UNION

JAMESTOWN, ND

1,333 apps 512 originated 18.4% denied
Compare Starion Bank vs Bell Bank →

Mortgage Lending Guides

Why Mortgages Get Denied
Common denial reasons and how to improve your chances
Comparing Mortgage Lenders
What to look for when choosing a mortgage lender
Getting the Best Mortgage Rate
Strategies for securing the lowest interest rate
Understanding HMDA Data
How to read and interpret mortgage disclosure data
Denial Rates by Demographics
Demographic patterns in mortgage approval and denial

Explore More Data

Bank Financial Data → Credit Union Data → Financial Advisor Lookup → Home Insurance Costs → Property Tax Data → Rent Price Data →

Frequently Asked Questions

How many mortgage applications did Starion Bank process?
Starion Bank processed 293 mortgage applications in the 2023 HMDA reporting year. Of these, 222 were originated (approved and funded), 56 were withdrawn by the applicant, and 6 were denied.
What is Starion Bank's mortgage approval rate?
Starion Bank has an approval (origination) rate of 75.8%, meaning 75.8% of all applications resulted in a funded mortgage. The denial rate is 2.0%.
What is the average loan amount at Starion Bank?
The average mortgage loan amount at Starion Bank is $444,181. The average interest rate is 7.012%. The average applicant income is $33,000.
What are the most common reasons for mortgage denial at Starion Bank?
The most common reasons for mortgage denial at Starion Bank are: Other, Collateral, Debt-to-income ratio. In total, 6 applications were denied out of 293 total applications.
What types of mortgage loans does Starion Bank offer?
Starion Bank processes Conventional, FHA, VA loans. The most common type is Conventional with 277 applications and an average loan amount of $457,852.
What loan purposes does Starion Bank serve?
Starion Bank serves the following loan purposes: Home Purchase (209 applications), Refinancing (34 applications), Other (20 applications), Home Improvement (19 applications), Cash-out Refinancing (11 applications). Home Purchase is the most common purpose.
Where is Starion Bank located?
Starion Bank is headquartered in Mandan, ND. The lender is identified by LEI 54930019RBT2SM6CQS78 in HMDA data.
How does Starion Bank compare in lending across racial demographics?
Starion Bank reports demographic lending data under HMDA requirements. White applicants have an approval rate of 72.5% and denial rate of 2.2%; Asian applicants have an approval rate of 87.5% and denial rate of 0.0%; American Indian or Alaska Native applicants have an approval rate of 33.3% and denial rate of 0.0%. This data reflects derived race categories as reported by applicants.

Data Sources

Data as of 2024. Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024 Snapshot.

Data from FFIEC / CFPB HMDA 2024 Snapshot National Loan-Level Dataset. Demographic data reflects derived categories as reported by applicants. Denial rates include all application outcomes. This data is provided for informational purposes only.

Read our methodology — how this data is sourced, computed, and verified.