Stanford Federal Credit Union Mortgage Lending & HMDA Data, 2025

In 2025, Stanford Federal Credit Union of Palo Alto, CA reported 1,347 mortgage applications totaling $747.9 million, down 2% from 2024. The average application was for $555,237, and applicants reported an average income of $340,855. 75% of its applications resulted in an originated loan and 6% were denied. Its largest markets were San Jose-Sunnyvale-Santa Clara, CA (339), San Francisco-Redwood City-South San Francisco, CA (315) and Oakland-Hayward-Berkeley, CA (175) (applications in parentheses).

Mortgage Company & Address Stanford Federal Credit Union
1860 Embarcadero Road
Palo Alto, CA 94303
Tel #: available with data download
Federal Regulator * available with data download
Years 2025  2024  2023  2022  2021  2020  2019  2018  2017  2016  2015  2014  2013  2012  2011  2010  2009  2008  2007  2006  2005  2004  2003  
Total Number of Mortgage Applications 1,347
Total Mortgage Loan Application Amount $747,905,000
Average Mortgage Loan Application Amount $555,237
Highest Mortgage Loan Application Amount $4,255,000
Average Applicant Income $340,855
Highest Applicant Income $3,624,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Stanford Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.

Mortgage Loan Application Totals for Stanford Federal Credit Union by County in 2025

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Santa Clara, California 332 $ 206,500,000 $ 621,987 $ 359,000
San Mateo, California 247 $ 171,455,000 $ 694,149 $ 416,000
Alameda, California 123 $ 64,215,000 $ 522,073 $ 302,000
San Francisco, California 68 $ 41,210,000 $ 606,029 $ 385,000
Contra Costa, California 52 $ 24,150,000 $ 464,423 $ 360,000
Los Angeles, California 41 $ 28,635,000 $ 698,414 $ 363,000
San Joaquin, California 28 $ 10,210,000 $ 364,642 $ 215,000
Orange, California 22 $ 11,390,000 $ 517,727 $ 338,000
Sacramento, California 22 $ 4,450,000 $ 202,272 $ 268,000
Monterey, California 21 $ 14,525,000 $ 691,666 $ 301,000
San Diego, California 21 $ 11,375,000 $ 541,666 $ 420,000
Santa Cruz, California 20 $ 10,070,000 $ 503,500 $ 275,000
King, Washington 18 $ 10,470,000 $ 581,666 $ 313,000
Placer, California 16 $ 7,910,000 $ 494,375 $ 336,000
Marin, California 10 $ 5,180,000 $ 518,000 $ 402,000
Cook, Illinois 9 $ 4,215,000 $ 468,333 $ 355,000
Solano, California 8 $ 2,650,000 $ 331,250 $ 152,000
Sonoma, California 8 $ 3,720,000 $ 465,000 $ 376,000
San Benito, California 7 $ 745,000 $ 106,428 $ 190,000
Santa Barbara, California 6 $ 3,530,000 $ 588,333 $ 263,000
Miami-Dade, Florida 6 $ 4,120,000 $ 686,666 $ 301,000
Maricopa, Arizona 5 $ 1,855,000 $ 371,000 $ 252,000
San Bernardino, California 5 $ 575,000 $ 115,000 $ 169,000
Clark, Nevada 5 $ 1,755,000 $ 351,000 $ 315,000
Washoe, Nevada 5 $ 2,075,000 $ 415,000 $ 241,000
Deschutes, Oregon 5 $ 1,155,000 $ 231,000 $ 334,000
Snohomish, Washington 5 $ 2,565,000 $ 513,000 $ 246,000
Calaveras, California 4 $ 1,330,000 $ 332,500 $ 278,000
El Dorado, California 4 $ 1,600,000 $ 400,000 $ 156,000
Riverside, California 4 $ 1,380,000 $ 345,000 $ 216,000
Stanislaus, California 4 $ 460,000 $ 115,000 $ 100,000
Ventura, California 4 $ 1,380,000 $ 345,000 $ 265,000
Douglas, Colorado 4 $ 1,560,000 $ 390,000 $ 288,000
Fulton, Georgia 4 $ 1,420,000 $ 355,000 $ 232,000
Collin, Texas 4 $ 1,840,000 $ 460,000 $ 218,000
Travis, Texas 4 $ 2,090,000 $ 522,500 $ 193,000
Summit, Utah 4 $ 1,720,000 $ 430,000 $ 304,000
Fairfax, Virginia 4 $ 3,460,000 $ 865,000 $ 351,000
Butte, California 3 $ 865,000 $ 288,333 $ 126,000
Fresno, California 3 $ 825,000 $ 275,000 $ 191,000
Merced, California 3 $ 315,000 $ 105,000 $ 139,000
Napa, California 3 $ 1,025,000 $ 341,666 $ 466,000
Yolo, California 3 $ 815,000 $ 271,666 $ 280,000
Middlesex, Massachusetts 3 $ 1,475,000 $ 491,666 $ 197,000
Oakland, Michigan 3 $ 825,000 $ 275,000 $ 428,000
Westchester, New York 3 $ 1,225,000 $ 408,333 $ 260,000
Mecklenburg, North Carolina 3 $ 905,000 $ 301,666 $ 327,000
Wake, North Carolina 3 $ 1,175,000 $ 391,666 $ 330,000
Humboldt, California 2 $ 140,000 $ 70,000 $ 344,000
Madera, California 2 $ 1,170,000 $ 585,000 $ 63,000
Mendocino, California 2 $ 930,000 $ 465,000 $ 346,000
Nevada, California 2 $ 1,640,000 $ 820,000 $ 315,000
Tulare, California 2 $ 330,000 $ 165,000 $ 175,000
Broward, Florida 2 $ 1,200,000 $ 600,000 $ 165,000
DeKalb, Georgia 2 $ 740,000 $ 370,000 $ 417,000
Hawaii, Hawaii 2 $ 270,000 $ 135,000 $ 282,000
Gibson, Indiana 2 $ 310,000 $ 155,000 $ 132,000
Kenton, Kentucky 2 $ 1,270,000 $ 635,000 $ 238,000
Baltimore, Maryland 2 $ 200,000 $ 100,000 $ 328,000
Suffolk, Massachusetts 2 $ 890,000 $ 445,000 $ 384,000
Washtenaw, Michigan 2 $ 1,430,000 $ 715,000 $ 216,000
Jackson, Missouri 2 $ 880,000 $ 440,000 $ 1,098,000
St. Charles, Missouri 2 $ 840,000 $ 420,000 $ 177,000
Douglas, Nevada 2 $ 350,000 $ 175,000 $ 351,000
Merrimack, New Hampshire 2 $ 640,000 $ 320,000 $ 107,000
Essex, New Jersey 2 $ 3,370,000 $ 1,685,000 $ 553,000
Hudson, New Jersey 2 $ 1,060,000 $ 530,000 $ 299,000
Taos, New Mexico 2 $ 1,660,000 $ 830,000 $ 596,000
Suffolk, New York 2 $ 1,910,000 $ 955,000 $ 421,000
Ulster, New York 2 $ 380,000 $ 190,000 $ 387,000
Warren, Ohio 2 $ 650,000 $ 325,000 $ 172,000
McClain, Oklahoma 2 $ 450,000 $ 225,000 $ 161,000
Multnomah, Oregon 2 $ 1,100,000 $ 550,000 $ 261,000
Washington, Oregon 2 $ 830,000 $ 415,000 $ 232,000
Chester, Pennsylvania 2 $ 990,000 $ 495,000 $ 191,000
Cumberland, Pennsylvania 2 $ 520,000 $ 260,000 $ 304,000
Montgomery, Pennsylvania 2 $ 500,000 $ 250,000 $ 346,000
Philadelphia, Pennsylvania 2 $ 510,000 $ 255,000 $ 175,000
Greenville, South Carolina 2 $ 130,000 $ 65,000 $ 240,000
Arlington, Virginia 2 $ 1,820,000 $ 910,000 $ 404,000
Kitsap, Washington 2 $ 400,000 $ 200,000 $ 176,000
Spokane, Washington 2 $ 310,000 $ 155,000 $ 340,000
Jefferson, Alabama 1 $ 95,000 $ 95,000 $ 154,000
Pima, Arizona 1 $ 405,000 $ 405,000 $ 444,000
Pinal, Arizona 1 $ 305,000 $ 305,000 $ 192,000
Baxter, Arkansas 1 $ 205,000 $ 205,000 $ 95,000
Amador, California 1 $ 55,000 $ 55,000 $ 42,000
Inyo, California 1 $ 725,000 $ 725,000 $ 160,000
Lake, California 1 $ 405,000 $ 405,000 $ 838,000
Mono, California 1 $ 345,000 $ 345,000 $ 245,000
San Luis Obispo, California 1 $ 515,000 $ 515,000 $ 112,000
Shasta, California 1 $ 735,000 $ 735,000 $ 308,000
Tehama, California 1 $ 775,000 $ 775,000 $ 305,000
Arapahoe, Colorado 1 $ 55,000 $ 55,000 $ 31,000
Boulder, Colorado 1 $ 565,000 $ 565,000 $ 333,000
Denver, Colorado 1 $ 255,000 $ 255,000 $ 235,000
Larimer, Colorado 1 $ 75,000 $ 75,000 $ 194,000
Weld, Colorado 1 $ 565,000 $ 565,000 $ 294,000
Lower Connecticut River Valley Planning Region, Connecticut 1 $ 105,000 $ 105,000 $ 187,000
District of Columbia, District Of Columbia 1 $ 525,000 $ 525,000 $ 372,000
Duval, Florida 1 $ 55,000 $ 55,000 $ 195,000
Palm Beach, Florida 1 $ 425,000 $ 425,000 $ 160,000
Sarasota, Florida 1 $ 125,000 $ 125,000 $ 1,900,000
Gwinnett, Georgia 1 $ 325,000 $ 325,000 $ 620,000
Lowndes, Georgia 1 $ 825,000 $ 825,000 $ 0
Richmond, Georgia 1 $ 765,000 $ 765,000 $ 315,000
Walton, Georgia 1 $ 105,000 $ 105,000 $ 286,000
Whitfield, Georgia 1 $ 155,000 $ 155,000 $ 148,000
Honolulu, Hawaii 1 $ 1,005,000 $ 1,005,000 $ 241,000
DuPage, Illinois 1 $ 565,000 $ 565,000 $ 215,000
Kendall, Illinois 1 $ 245,000 $ 245,000 $ 112,000
Lake, Illinois 1 $ 155,000 $ 155,000 $ 321,000
Tippecanoe, Indiana 1 $ 415,000 $ 415,000 $ 355,000
Johnson, Kansas 1 $ 105,000 $ 105,000 $ 750,000
Cumberland, Maine 1 $ 725,000 $ 725,000 $ 165,000
Montgomery, Maryland 1 $ 565,000 $ 565,000 $ 211,000
Allegan, Michigan 1 $ 705,000 $ 705,000 $ 268,000
Ingham, Michigan 1 $ 285,000 $ 285,000 $ 248,000
Kent, Michigan 1 $ 135,000 $ 135,000 $ 344,000
Washington, Minnesota 1 $ 305,000 $ 305,000 $ 173,000
Boone, Missouri 1 $ 265,000 $ 265,000 $ 150,000
Flathead, Montana 1 $ 75,000 $ 75,000 $ 477,000
Sarpy, Nebraska 1 $ 95,000 $ 95,000 $ 305,000
Bergen, New Jersey 1 $ 1,405,000 $ 1,405,000 $ 489,000
Camden, New Jersey 1 $ 25,000 $ 25,000 $ 35,000
Middlesex, New Jersey 1 $ 205,000 $ 205,000 $ 200,000
Somerset, New Jersey 1 $ 125,000 $ 125,000 $ 150,000
Bernalillo, New Mexico 1 $ 345,000 $ 345,000 $ 118,000
Dona Ana, New Mexico 1 $ 465,000 $ 465,000 $ 271,000
Sandoval, New Mexico 1 $ 55,000 $ 55,000 $ 154,000
Broome, New York 1 $ 305,000 $ 305,000 $ 246,000
Kings, New York 1 $ 875,000 $ 875,000 $ 700,000
Nassau, New York 1 $ 65,000 $ 65,000 $ 209,000
New York, New York 1 $ 105,000 $ 105,000 $ 170,000
Putnam, New York 1 $ 205,000 $ 205,000 $ 770,000
Buncombe, North Carolina 1 $ 235,000 $ 235,000 $ 323,000
Forsyth, North Carolina 1 $ 465,000 $ 465,000 $ 494,000
Orange, North Carolina 1 $ 385,000 $ 385,000 $ 232,000
Lake, Ohio 1 $ 25,000 $ 25,000 $ 48,000
Jackson, Oregon 1 $ 715,000 $ 715,000 $ 278,000
Allegheny, Pennsylvania 1 $ 105,000 $ 105,000 $ 225,000
Washington, Pennsylvania 1 $ 175,000 $ 175,000 $ 413,000
Florence, South Carolina 1 $ 285,000 $ 285,000 $ 125,000
York, South Carolina 1 $ 575,000 $ 575,000 $ 316,000
Davidson, Tennessee 1 $ 55,000 $ 55,000 $ 64,000
Hamilton, Tennessee 1 $ 155,000 $ 155,000 $ 38,000
Knox, Tennessee 1 $ 115,000 $ 115,000 $ 286,000
Williamson, Tennessee 1 $ 595,000 $ 595,000 $ 439,000
Bastrop, Texas 1 $ 435,000 $ 435,000 $ 139,000
Bexar, Texas 1 $ 285,000 $ 285,000 $ 103,000
Harris, Texas 1 $ 105,000 $ 105,000 $ 60,000
Liberty, Texas 1 $ 175,000 $ 175,000 $ 169,000
Montgomery, Texas 1 $ 515,000 $ 515,000 $ 193,000
Williamson, Texas 1 $ 465,000 $ 465,000 $ 235,000
Chittenden, Vermont 1 $ 355,000 $ 355,000 $ 102,000
Washington, Vermont 1 $ 375,000 $ 375,000 $ 158,000
Alexandria, Virginia 1 $ 205,000 $ 205,000 $ 551,000
Henrico, Virginia 1 $ 365,000 $ 365,000 $ 260,000
Benton, Washington 1 $ 235,000 $ 235,000 $ 322,000
Clallam, Washington 1 $ 445,000 $ 445,000 $ 105,000
Clark, Washington 1 $ 45,000 $ 45,000 $ 218,000
Island, Washington 1 $ 735,000 $ 735,000 $ 220,000
Lewis, Washington 1 $ 405,000 $ 405,000 $ 251,000
Whatcom, Washington 1 $ 555,000 $ 555,000 $ 194,000
Walworth, Wisconsin 1 $ 325,000 $ 325,000 $ 273,000

Mortgage Loan Application Detail Totals for Stanford Federal Credit Union in 2025

Loan Purpose

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Home Purchase 410 $354,690,000 $865,000 $4,255,000 $365,000 $1,250,000
Other Purpose 394 $141,410,000 $358,000 $3,005,000 $338,000 $2,969,000
Refinancing 191 $104,565,000 $547,000 $2,445,000 $297,000 $3,624,000
Cash-out Refinancing 184 $78,280,000 $425,000 $3,505,000 $334,000 $1,900,000
Home Improvement 168 $68,960,000 $410,000 $2,805,000 $346,000 $980,000
Not Applicable 0 $0 $0 $0 $0 $0

Applicant Race

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
White 569 $301,965,000 $530,000 $4,005,000 $348,000 $1,900,000
Asian 395 $245,305,000 $621,000 $4,255,000 $351,000 $3,624,000
Not Provided 186 $105,920,000 $569,000 $4,035,000 $338,000 $1,405,000
Hispanic 131 $60,595,000 $462,000 $3,005,000 $288,000 $2,969,000
Black or African American 45 $18,245,000 $405,000 $1,655,000 $350,000 $1,476,000
Not applicable 12 $9,950,000 $829,000 $1,755,000 $125,000 $125,000
American Indian or Alaskan Native 5 $3,715,000 $743,000 $1,235,000 $342,000 $455,000
Native Hawaiian or Other Pacific Islander 4 $2,210,000 $552,000 $965,000 $175,000 $197,000

Loan Type

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Conventional (any loan other than FHA, VA, FSA, or RHS loans) 1,347 $747,905,000 $555,000 $4,255,000 $341,000 $3,624,000
FHA-insured (Federal Housing Administration) 0 $0 $0 $0 $0 $0
FSA/RHS (Farm Service Agency or Rural Housing Service) 0 $0 $0 $0 $0 $0
VA-guaranteed (Veterans Administration) 0 $0 $0 $0 $0 $0

Outcome

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Loan Originated 1,010 $561,510,000 $555,000 $4,255,000 $359,000 $3,624,000
Application Withdrawn By Applicant 118 $69,250,000 $586,000 $2,005,000 $296,000 $1,725,000
Application Denied By Financial Institution 87 $34,605,000 $397,000 $4,005,000 $229,000 $967,000
File Closed For Incompleteness 59 $33,395,000 $566,000 $1,635,000 $319,000 $1,476,000
Application Approved But Not Accepted 41 $21,085,000 $514,000 $3,005,000 $274,000 $790,000
Preapproval Approved but not Accepted 30 $27,160,000 $905,000 $2,505,000 $375,000 $994,000
Preapproval Denied by Financial Institution 2 $900,000 $450,000 $605,000 $153,000 $223,000
Loan Purchased By The Institution 0 $0 $0 $0 $0 $0

Denial Reason

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Not applicable 1,258 $712,400,000 $566,000 $4,255,000 $349,000 $3,624,000
Debt-To-Income Ratio 46 $19,990,000 $434,000 $2,005,000 $191,000 $644,000
Credit History 26 $5,140,000 $197,000 $1,025,000 $226,000 $744,000
Collateral 8 $4,770,000 $596,000 $2,275,000 $326,000 $641,000
Other 5 $825,000 $165,000 $485,000 $287,000 $585,000
Employment History 2 $4,370,000 $2,185,000 $4,005,000 $613,000 $967,000
Unverifiable Information 1 $155,000 $155,000 $155,000 $125,000 $125,000
Credit Application Incomplete 1 $255,000 $255,000 $255,000 $161,000 $161,000
Insufficient Cash (Downpayment, Closing Cost) 0 $0 $0 $0 $0 $0
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Stanford Federal Credit Union's 2025 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.

This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics, and assess Stanford Federal Credit Union's mortgage approval patterns. Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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