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records Stanford Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| San Jose-Sunnyvale-Santa Clara, CA | 339 | $ 207,245,000 | $ 611,342 | $ 355,000 |
| San Francisco-Redwood City-South San Francisco, CA | 315 | $ 212,665,000 | $ 675,126 | $ 410,000 |
| Oakland-Hayward-Berkeley, CA | 175 | $ 88,365,000 | $ 504,942 | $ 320,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 45 | $ 14,775,000 | $ 328,333 | $ 282,000 |
| Outside any metro area | 44 | $ 25,030,000 | $ 568,863 | $ 315,931 |
| Los Angeles-Long Beach-Glendale, CA | 41 | $ 28,635,000 | $ 698,414 | $ 363,000 |
| Stockton-Lodi, CA | 28 | $ 10,210,000 | $ 364,642 | $ 215,000 |
| Anaheim-Santa Ana-Irvine, CA | 22 | $ 11,390,000 | $ 517,727 | $ 338,000 |
| Salinas, CA | 21 | $ 14,525,000 | $ 691,666 | $ 301,000 |
| San Diego-Carlsbad, CA | 21 | $ 11,375,000 | $ 541,666 | $ 420,000 |
| Santa Cruz-Watsonville, CA | 20 | $ 10,070,000 | $ 503,500 | $ 275,000 |
| Seattle-Bellevue-Everett, WA | 18 | $ 10,470,000 | $ 581,666 | $ 313,000 |
| Chicago-Naperville, IL | 10 | $ 4,780,000 | $ 478,000 | $ 340,000 |
| San Rafael, CA | 10 | $ 5,180,000 | $ 518,000 | $ 402,000 |
| New York-Jersey City-White Plains, NY-NJ | 9 | $ 4,875,000 | $ 541,666 | $ 389,333 |
| Riverside-San Bernardino-Ontario, CA | 9 | $ 1,955,000 | $ 217,222 | $ 190,000 |
| Atlanta-Sandy Springs-Roswell, GA | 8 | $ 2,590,000 | $ 323,750 | $ 333,000 |
| Santa Rosa, CA | 8 | $ 3,720,000 | $ 465,000 | $ 376,000 |
| Vallejo-Fairfield, CA | 8 | $ 2,650,000 | $ 331,250 | $ 152,000 |
| Arlington-Alexandria-Reston, VA-WV | 7 | $ 5,485,000 | $ 783,571 | $ 395,000 |
| Austin-Round Rock, TX | 6 | $ 2,990,000 | $ 498,333 | $ 191,000 |
| Denver-Aurora-Lakewood, CO | 6 | $ 1,870,000 | $ 311,666 | $ 236,000 |
| Miami-Miami Beach-Kendall, FL | 6 | $ 4,120,000 | $ 686,666 | $ 301,000 |
| Phoenix-Mesa-Scottsdale, AZ | 6 | $ 2,160,000 | $ 360,000 | $ 240,000 |
| Santa Maria-Santa Barbara, CA | 6 | $ 3,530,000 | $ 588,333 | $ 263,000 |
| Bend-Redmond, OR | 5 | $ 1,155,000 | $ 231,000 | $ 334,000 |
| Everett, WA | 5 | $ 2,565,000 | $ 513,000 | $ 246,000 |
| Fresno, CA | 5 | $ 1,995,000 | $ 399,000 | $ 159,000 |
| Las Vegas-Henderson-Paradise, NV | 5 | $ 1,755,000 | $ 351,000 | $ 315,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 5 | $ 1,975,000 | $ 395,000 | $ 241,200 |
| Reno, NV | 5 | $ 2,075,000 | $ 415,000 | $ 241,000 |
| Charlotte-Concord-Gastonia, NC-SC | 4 | $ 1,480,000 | $ 370,000 | $ 324,250 |
| Cincinnati, OH-KY-IN | 4 | $ 1,920,000 | $ 480,000 | $ 205,000 |
| Dallas-Plano-Irving, TX | 4 | $ 1,840,000 | $ 460,000 | $ 218,000 |
| Modesto, CA | 4 | $ 460,000 | $ 115,000 | $ 100,000 |
| Montgomery County-Bucks County-Chester County, PA | 4 | $ 1,490,000 | $ 372,500 | $ 268,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 4 | $ 1,380,000 | $ 345,000 | $ 265,000 |
| Cambridge-Newton-Framingham, MA | 3 | $ 1,475,000 | $ 491,666 | $ 197,000 |
| Chico, CA | 3 | $ 865,000 | $ 288,333 | $ 126,000 |
| Houston-The Woodlands-Sugar Land, TX | 3 | $ 795,000 | $ 265,000 | $ 140,000 |
| Kansas City, MO-KS | 3 | $ 985,000 | $ 328,333 | $ 982,000 |
| Merced, CA | 3 | $ 315,000 | $ 105,000 | $ 139,000 |
| Napa, CA | 3 | $ 1,025,000 | $ 341,666 | $ 466,000 |
| Nassau County-Suffolk County, NY | 3 | $ 1,975,000 | $ 658,333 | $ 350,000 |
| Raleigh, NC | 3 | $ 1,175,000 | $ 391,666 | $ 330,000 |
| Warren-Troy-Farmington Hills, MI | 3 | $ 825,000 | $ 275,000 | $ 428,000 |
| Albuquerque, NM | 2 | $ 400,000 | $ 200,000 | $ 136,000 |
| Ann Arbor, MI | 2 | $ 1,430,000 | $ 715,000 | $ 216,000 |
| Baltimore-Columbia-Towson, MD | 2 | $ 200,000 | $ 100,000 | $ 328,000 |
| Boston, MA | 2 | $ 890,000 | $ 445,000 | $ 384,000 |
| Bremerton-Silverdale, WA | 2 | $ 400,000 | $ 200,000 | $ 176,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 2 | $ 1,200,000 | $ 600,000 | $ 165,000 |
| Greenville-Anderson-Mauldin, SC | 2 | $ 130,000 | $ 65,000 | $ 240,000 |
| Harrisburg-Carlisle, PA | 2 | $ 520,000 | $ 260,000 | $ 304,000 |
| Kingston, NY | 2 | $ 380,000 | $ 190,000 | $ 387,000 |
| Lakewood-New Brunswick, NJ | 2 | $ 330,000 | $ 165,000 | $ 175,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 2 | $ 650,000 | $ 325,000 | $ 251,000 |
| Newark, NJ-PA | 2 | $ 3,370,000 | $ 1,685,000 | $ 553,000 |
| Oklahoma City, OK | 2 | $ 450,000 | $ 225,000 | $ 161,000 |
| Philadelphia, PA | 2 | $ 510,000 | $ 255,000 | $ 175,000 |
| Pittsburgh, PA | 2 | $ 280,000 | $ 140,000 | $ 319,000 |
| Spokane-Spokane Valley, WA | 2 | $ 310,000 | $ 155,000 | $ 340,000 |
| St. Louis, MO-IL | 2 | $ 840,000 | $ 420,000 | $ 177,000 |
| Visalia-Porterville, CA | 2 | $ 330,000 | $ 165,000 | $ 175,000 |
| Asheville, NC | 1 | $ 235,000 | $ 235,000 | $ 323,000 |
| Augusta-Richmond County, GA-SC | 1 | $ 765,000 | $ 765,000 | $ 315,000 |
| Bellingham, WA | 1 | $ 555,000 | $ 555,000 | $ 194,000 |
| Binghamton, NY | 1 | $ 305,000 | $ 305,000 | $ 246,000 |
| Birmingham-Hoover, AL | 1 | $ 95,000 | $ 95,000 | $ 154,000 |
| Boulder, CO | 1 | $ 565,000 | $ 565,000 | $ 333,000 |
| Burlington-South Burlington, VT | 1 | $ 355,000 | $ 355,000 | $ 102,000 |
| Camden, NJ | 1 | $ 25,000 | $ 25,000 | $ 35,000 |
| Chattanooga, TN-GA | 1 | $ 155,000 | $ 155,000 | $ 38,000 |
| Cleveland, OH | 1 | $ 25,000 | $ 25,000 | $ 48,000 |
| Columbia, MO | 1 | $ 265,000 | $ 265,000 | $ 150,000 |
| Dalton, GA | 1 | $ 155,000 | $ 155,000 | $ 148,000 |
| Durham-Chapel Hill, NC | 1 | $ 385,000 | $ 385,000 | $ 232,000 |
| Elgin, IL | 1 | $ 245,000 | $ 245,000 | $ 112,000 |
| Florence, SC | 1 | $ 285,000 | $ 285,000 | $ 125,000 |
| Fort Collins, CO | 1 | $ 75,000 | $ 75,000 | $ 194,000 |
| Grand Rapids-Wyoming, MI | 1 | $ 135,000 | $ 135,000 | $ 344,000 |
| Greeley, CO | 1 | $ 565,000 | $ 565,000 | $ 294,000 |
| Hartford-West Hartford-East Hartford, CT | 1 | $ 105,000 | $ 105,000 | $ 187,000 |
| Jacksonville, FL | 1 | $ 55,000 | $ 55,000 | $ 195,000 |
| Kennewick-Richland, WA | 1 | $ 235,000 | $ 235,000 | $ 322,000 |
| Knoxville, TN | 1 | $ 115,000 | $ 115,000 | $ 286,000 |
| Lafayette-West Lafayette, IN | 1 | $ 415,000 | $ 415,000 | $ 355,000 |
| Lake County-Kenosha County, IL-WI | 1 | $ 155,000 | $ 155,000 | $ 321,000 |
| Lansing-East Lansing, MI | 1 | $ 285,000 | $ 285,000 | $ 248,000 |
| Las Cruces, NM | 1 | $ 465,000 | $ 465,000 | $ 271,000 |
| Medford, OR | 1 | $ 715,000 | $ 715,000 | $ 278,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 1 | $ 305,000 | $ 305,000 | $ 173,000 |
| North Port-Sarasota-Bradenton, FL | 1 | $ 125,000 | $ 125,000 | $ 1,900,000 |
| Omaha-Council Bluffs, NE-IA | 1 | $ 95,000 | $ 95,000 | $ 305,000 |
| Portland-South Portland, ME | 1 | $ 725,000 | $ 725,000 | $ 165,000 |
| Redding, CA | 1 | $ 735,000 | $ 735,000 | $ 308,000 |
| Richmond, VA | 1 | $ 365,000 | $ 365,000 | $ 260,000 |
| San Antonio-New Braunfels, TX | 1 | $ 285,000 | $ 285,000 | $ 103,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 1 | $ 515,000 | $ 515,000 | $ 112,000 |
| Tucson, AZ | 1 | $ 405,000 | $ 405,000 | $ 444,000 |
| Urban Honolulu, HI | 1 | $ 1,005,000 | $ 1,005,000 | $ 241,000 |
| Valdosta, GA | 1 | $ 825,000 | $ 825,000 | $ 0 |
| Washington, DC-MD | 1 | $ 525,000 | $ 525,000 | $ 372,000 |
| Washington-Baltimore-Arlington, DC | 1 | $ 565,000 | $ 565,000 | $ 211,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 1 | $ 425,000 | $ 425,000 | $ 160,000 |
| Winston-Salem, NC | 1 | $ 465,000 | $ 465,000 | $ 494,000 |
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.
For a list of all lenders in California, download the full spreadsheet
with aggregated HMDA statistics today.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About