Applications / Mortgage Analytics / Lenders / California / Five Star Bank
Roseville, CA · State non-member bank · FDIC · $4.8 billion assets · 114 loans in 2025
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114
loans originated, 2025
126
applications, 2025
28
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Five Star Bank is not a typical home lender: its 114 loans in 2025 had a typical size of $1.9 million and reached 28 states, a pattern that could fit a bank financing larger properties rather than family homes.
Its typical loan of $1.9 million compares with $175,000 for similar lenders (state non-member banks making between half and twice as many loans), and 66.7% of its loans were jumbo (larger than the conforming limit). So $285.0 million in total lending is higher than nearly every lender in the group. The fact pack shows no borrower-income figure for it, which can happen when borrowers are businesses; lending on apartment or investor properties could fit.
Originations rose 81%, faster than nearly all similar lenders, against 10% for the whole market. Several of its markets were new in 2025, such as Jackson, TN, where it ranks 19 of 248 with 1.0% of the market, and Clarksville and Ogden. A few large loans can lift its share in a smaller metro quickly, so these positions may not repeat.
42.0% of its loans were in LMI (low- and moderate-income) areas, higher than about nine in ten similar lenders, and 32.5% in majority-minority areas, against 6.2% for a typical one. Larger rental properties in denser urban tracts may explain both figures.
Most of its largest markets are in California, including Chico, where its share rose to 0.9% and it ranks 28 of 255.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2023–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. Five Star Bank took 126 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 57.0% · Refinance 40.4% · Home improvement 2.6%
Conventional 100.0% · of 114 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| California | 32 | 28.1% |
| North Carolina | 12 | 10.5% |
| Florida | 10 | 8.8% |
| Oregon | 6 | 5.3% |
| New York | 5 | 4.4% |
| Louisiana | 4 | 3.5% |
| Pennsylvania | 4 | 3.5% |
| Texas | 4 | 3.5% |
| Alabama | 3 | 2.6% |
| Arizona | 3 | 2.6% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Oakland-Fremont-Berkeley | 5 |
| Chico | 4 |
| Peoria | 3 |
| Portland-Vancouver-Hillsboro | 3 |
| Sacramento-Roseville-Folsom | 3 |
| Asheville | 2 |
| Birmingham | 2 |
| Charleston | 2 |
| Charlotte-Concord-Gastonia | 2 |
| Clarksville | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300GYK7N8U42X9587 | 2023–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 2867337 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 335361 | 2003–2016 |
Established 20 December 1999. Reported under HMDA 2003-2025.
Mergers, name changes, data editions and corrections: Five Star Bank's data.
Five Star Bank's data
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Five Star Bank and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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