STARBOARD FINANCIAL MANAGEMENT, LLC
STARBOARD FINANCIAL MANAGEMENT, LLC received 342 applications in 2025 and made 249 mortgages, in 45 counties across 7 states. The median rate its borrowers got was 6.750% on a median loan of $345,000. Of 251 decisions, 2 were denials — 0.8%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300C4RD3C53QCM649 |
|---|---|
| Applications received | 342 |
| Mortgages made | 249 |
| Denied | 2 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 91 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.451 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 161 | 6.750% | $355,000 | 1.2% |
| Refinancing | 70 | 6.875% | $320,000 | 0.0% |
| Cash-out refinancing | 18 | 6.625% | $240,000 | 0.0% |
Where STARBOARD FINANCIAL MANAGEMENT, LLC lends most
The 45 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Maricopa County, AZ | 98 | 6.750% | 1.0% |
| Pinal County, AZ | 33 | 6.625% | 2.9% |
| Coconino County, AZ | 28 | 6.990% | 0.0% |
| Yavapai County, AZ | 17 | 6.750% | 0.0% |
| San Diego County, CA | 10 | 6.933% | 0.0% |
| Gila County, AZ | 6 | Under 10 loans | 0.0% |
| Navajo County, AZ | 6 | Under 10 loans | 0.0% |
| Pima County, AZ | 5 | Under 10 loans | 0.0% |
| Riverside County, CA | 5 | Under 10 loans | 0.0% |
| Lake County, CA | 4 | Under 10 loans | 0.0% |
| Cochise County, AZ | 3 | Under 10 loans | 0.0% |
| Calaveras County, CA | 3 | Under 10 loans | 0.0% |
| Lincoln County, OR | 2 | Under 10 loans | 0.0% |
| Kane County, UT | 2 | Under 10 loans | 0.0% |
| La Paz County, AZ | 1 | Under 10 loans | 0.0% |
| Mohave County, AZ | 1 | Under 10 loans | 0.0% |
| Santa Cruz County, AZ | 1 | Under 10 loans | 0.0% |
| Yuma County, AZ | 1 | Under 10 loans | 0.0% |
| Alameda County, CA | 1 | Under 10 loans | 0.0% |
| Contra Costa County, CA | 1 | Under 10 loans | 0.0% |
| El Dorado County, CA | 1 | Under 10 loans | 0.0% |
| Fresno County, CA | 1 | Under 10 loans | 0.0% |
| Madera County, CA | 1 | Under 10 loans | 0.0% |
| Mariposa County, CA | 1 | Under 10 loans | 0.0% |
| Mendocino County, CA | 1 | Under 10 loans | 0.0% |
| Merced County, CA | 1 | Under 10 loans | 0.0% |
| Napa County, CA | 1 | Under 10 loans | 0.0% |
| Orange County, CA | 1 | Under 10 loans | 0.0% |
| San Bernardino County, CA | 1 | Under 10 loans | 0.0% |
| Santa Clara County, CA | 1 | Under 10 loans | 0.0% |
| Sonoma County, CA | 1 | Under 10 loans | 0.0% |
| Tuolumne County, CA | 1 | Under 10 loans | 0.0% |
| Yolo County, CA | 1 | Under 10 loans | 0.0% |
| Fremont County, ID | 1 | Under 10 loans | 0.0% |
| Jefferson County, ID | 1 | Under 10 loans | 0.0% |
| Parker County, TX | 1 | Under 10 loans | 0.0% |
| Grand County, UT | 1 | Under 10 loans | 0.0% |
| Salt Lake County, UT | 1 | Under 10 loans | 0.0% |
| Washington County, UT | 1 | Under 10 loans | 0.0% |
| Weber County, UT | 1 | Under 10 loans | 0.0% |
| King County, WA | 1 | Under 10 loans | 0.0% |
| Apache County, AZ | 0 | Under 10 loans | Not published |
| Humboldt County, CA | 0 | Under 10 loans | Not published |
| Kern County, CA | 0 | Under 10 loans | Not published |
| Mono County, CA | 0 | Under 10 loans | Not published |
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When STARBOARD FINANCIAL MANAGEMENT, LLC’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.