Star One Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2021
Star One Credit Union 2021 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Star One Credit Union Po Box 3643 Carlsbad, CA 94088 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 |
| Total Number of Mortgage Applications | 5,497 |
| Total Mortgage Loan Application Amount | $2,778,105,000 |
| Average Mortgage Loan Application Amount | $480,800 |
| Highest Mortgage Loan Application Amount | $4,005,000 |
| Average Applicant Income | $214,800 |
| Highest Applicant Income | $3,075,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2021 with Star One Credit Union. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Star One Credit Union's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2021 breaks down Star One Credit Union's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Star One Credit Union serves its applicants.
Each category highlights the total number of mortgage applications processed by Star One Credit Union, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Star One Credit Union's mortgage activity for 2021.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Santa Clara County California | 2,093 | $ 988,465,000 | $ 472,000 | $ 222,000 |
| Alameda County California | 419 | $ 211,565,000 | $ 504,000 | $ 225,000 |
| San Mateo County California | 205 | $ 131,385,000 | $ 640,000 | $ 269,000 |
| Contra Costa County California | 151 | $ 65,905,000 | $ 436,000 | $ 225,000 |
| Santa Cruz County California | 122 | $ 48,830,000 | $ 400,000 | $ 191,000 |
| San Joaquin County California | 118 | $ 35,670,000 | $ 302,000 | $ 204,000 |
| San Francisco County California | 73 | $ 49,035,000 | $ 671,000 | $ 263,000 |
| Placer County California | 67 | $ 23,675,000 | $ 353,000 | $ 209,000 |
| Sacramento County California | 64 | $ 19,250,000 | $ 300,000 | $ 145,000 |
| San Diego County California | 53 | $ 23,135,000 | $ 436,000 | $ 256,000 |
| Los Angeles County California | 47 | $ 19,805,000 | $ 421,000 | $ 185,000 |
| Stanislaus County California | 37 | $ 10,635,000 | $ 287,000 | $ 118,000 |
| Monterey County California | 34 | $ 10,900,000 | $ 320,000 | $ 228,000 |
| Orange County California | 32 | $ 21,040,000 | $ 657,000 | $ 286,000 |
| Fresno County California | 29 | $ 7,235,000 | $ 249,000 | $ 135,000 |
| Sonoma County California | 29 | $ 10,935,000 | $ 377,000 | $ 233,000 |
| Washoe County Nevada | 28 | $ 12,670,000 | $ 452,000 | $ 216,000 |
| San Benito County California | 24 | $ 8,910,000 | $ 371,000 | $ 184,000 |
| Clark County Nevada | 23 | $ 5,765,000 | $ 250,000 | $ 219,000 |
| Maricopa County Arizona | 22 | $ 4,920,000 | $ 223,000 | $ 171,000 |
| El Dorado County California | 21 | $ 8,915,000 | $ 424,000 | $ 172,000 |
| Marin County California | 21 | $ 16,525,000 | $ 786,000 | $ 279,000 |
| Riverside County California | 20 | $ 3,660,000 | $ 183,000 | $ 156,000 |
| Yolo County California | 17 | $ 6,985,000 | $ 410,000 | $ 179,000 |
| Douglas County Colorado | 17 | $ 7,135,000 | $ 419,000 | $ 217,000 |
| Nevada County California | 16 | $ 6,440,000 | $ 402,000 | $ 222,000 |
| Merced County California | 15 | $ 2,745,000 | $ 183,000 | $ 119,000 |
| Solano County California | 15 | $ 4,535,000 | $ 302,000 | $ 151,000 |
| Calaveras County California | 14 | $ 2,950,000 | $ 210,000 | $ 177,000 |
| San Luis Obispo County California | 14 | $ 5,060,000 | $ 361,000 | $ 164,000 |
| Santa Barbara County California | 13 | $ 3,075,000 | $ 236,000 | $ 152,000 |
| Jefferson County Colorado | 12 | $ 5,500,000 | $ 458,000 | $ 171,000 |
| Travis County Texas | 12 | $ 5,460,000 | $ 455,000 | $ 200,000 |
| Ada County Idaho | 11 | $ 5,005,000 | $ 455,000 | $ 170,000 |
| Ventura County California | 9 | $ 3,455,000 | $ 383,000 | $ 143,000 |
| Montgomery County Maryland | 9 | $ 3,275,000 | $ 363,000 | $ 260,000 |
| King County Washington | 9 | $ 3,195,000 | $ 355,000 | $ 265,000 |
| Pima County Arizona | 8 | $ 1,940,000 | $ 242,000 | $ 232,000 |
| Napa County California | 8 | $ 6,040,000 | $ 755,000 | $ 209,000 |
| Tuolumne County California | 8 | $ 2,230,000 | $ 278,000 | $ 231,000 |
| Arapahoe County Colorado | 8 | $ 3,670,000 | $ 458,000 | $ 137,000 |
| Multnomah County Oregon | 8 | $ 2,620,000 | $ 327,000 | $ 133,000 |
| Harris County Texas | 8 | $ 1,450,000 | $ 181,000 | $ 433,000 |
| Madison County Alabama | 7 | $ 1,495,000 | $ 213,000 | $ 250,000 |
| Butte County California | 7 | $ 785,000 | $ 112,000 | $ 125,000 |
| Humboldt County California | 7 | $ 2,355,000 | $ 336,000 | $ 70,000 |
| Wake County North Carolina | 7 | $ 2,115,000 | $ 302,000 | $ 163,000 |
| Clackamas County Oregon | 7 | $ 2,665,000 | $ 380,000 | $ 144,000 |
| Kern County California | 6 | $ 1,200,000 | $ 200,000 | $ 89,000 |
| Madera County California | 6 | $ 1,660,000 | $ 276,000 | $ 244,000 |
| Bexar County Texas | 6 | $ 1,590,000 | $ 265,000 | $ 187,000 |
| Tarrant County Texas | 6 | $ 2,060,000 | $ 343,000 | $ 145,000 |
| Pinal County Arizona | 5 | $ 895,000 | $ 179,000 | $ 113,000 |
| Boulder County Colorado | 5 | $ 1,665,000 | $ 333,000 | $ 148,000 |
| Cook County Illinois | 5 | $ 1,575,000 | $ 315,000 | $ 149,000 |
| Wayne County Michigan | 5 | $ 315,000 | $ 63,000 | $ 166,000 |
| McClain County Oklahoma | 5 | $ 885,000 | $ 177,000 | $ 663,000 |
| Deschutes County Oregon | 5 | $ 1,825,000 | $ 365,000 | $ 434,000 |
| Shelby County Tennessee | 5 | $ 1,245,000 | $ 249,000 | $ 282,000 |
| Yavapai County Arizona | 4 | $ 1,000,000 | $ 250,000 | $ 123,000 |
| Amador County California | 4 | $ 1,050,000 | $ 262,000 | $ 95,000 |
| San Bernardino County California | 4 | $ 1,360,000 | $ 340,000 | $ 206,000 |
| Sutter County California | 4 | $ 930,000 | $ 232,000 | $ 71,000 |
| Maui County Hawaii | 4 | $ 1,860,000 | $ 465,000 | $ 521,000 |
| St. Louis County Missouri | 4 | $ 430,000 | $ 107,000 | $ 183,000 |
| Bernalillo County New Mexico | 4 | $ 1,020,000 | $ 255,000 | $ 136,000 |
| Williamson County Texas | 4 | $ 1,800,000 | $ 450,000 | $ 200,000 |
| Brevard County Florida | 3 | $ 865,000 | $ 288,000 | $ 90,000 |
| Broward County Florida | 3 | $ 1,575,000 | $ 525,000 | $ 200,000 |
| Hillsborough County Florida | 3 | $ 725,000 | $ 241,000 | $ 99,000 |
| Palm Beach County Florida | 3 | $ 945,000 | $ 315,000 | $ 254,000 |
| Polk County Florida | 3 | $ 455,000 | $ 151,000 | $ 258,000 |
| Seminole County Florida | 3 | $ 1,655,000 | $ 551,000 | $ 216,000 |
| Honolulu County Hawaii | 3 | $ 1,565,000 | $ 521,000 | $ 134,000 |
| Canyon County Idaho | 3 | $ 1,665,000 | $ 555,000 | $ 145,000 |
| Suffolk County Massachusetts | 3 | $ 1,135,000 | $ 378,000 | $ 219,000 |
| Carson City County Nevada | 3 | $ 545,000 | $ 181,000 | $ 128,000 |
| Douglas County Nevada | 3 | $ 1,255,000 | $ 418,000 | $ 170,000 |
| Dona Ana County New Mexico | 3 | $ 535,000 | $ 178,000 | $ 145,000 |
| Hood River County Oregon | 3 | $ 845,000 | $ 281,000 | $ 179,000 |
| Jackson County Oregon | 3 | $ 525,000 | $ 175,000 | $ 42,000 |
| Aiken County South Carolina | 3 | $ 375,000 | $ 125,000 | $ 145,000 |
| Davidson County Tennessee | 3 | $ 885,000 | $ 295,000 | $ 228,000 |
| Montgomery County Texas | 3 | $ 575,000 | $ 191,000 | $ 111,000 |
| Fairfax County Virginia | 3 | $ 1,335,000 | $ 445,000 | $ 193,000 |
| Kitsap County Washington | 3 | $ 1,215,000 | $ 405,000 | $ 102,000 |
| Inyo County California | 2 | $ 290,000 | $ 145,000 | $ 69,000 |
| Mariposa County California | 2 | $ 230,000 | $ 115,000 | $ 70,000 |
| Plumas County California | 2 | $ 260,000 | $ 130,000 | $ 56,000 |
| Trinity County California | 2 | $ 320,000 | $ 160,000 | $ 71,000 |
| Tulare County California | 2 | $ 500,000 | $ 250,000 | $ 114,000 |
| El Paso County Colorado | 2 | $ 640,000 | $ 320,000 | $ 212,000 |
| Elbert County Colorado | 2 | $ 1,000,000 | $ 500,000 | $ 191,000 |
| Larimer County Colorado | 2 | $ 790,000 | $ 395,000 | $ 53,000 |
| New Haven County Connecticut | 2 | $ 750,000 | $ 375,000 | $ 214,000 |
| Charlotte County Florida | 2 | $ 520,000 | $ 260,000 | $ 128,000 |
| Duval County Florida | 2 | $ 340,000 | $ 170,000 | $ 256,000 |
| Manatee County Florida | 2 | $ 710,000 | $ 355,000 | $ 139,000 |
| Miami-Dade County Florida | 2 | $ 350,000 | $ 175,000 | $ 191,000 |
| Hawaii County Hawaii | 2 | $ 1,080,000 | $ 540,000 | $ 161,000 |
| Champaign County Illinois | 2 | $ 400,000 | $ 200,000 | $ 538,000 |
| Baltimore City County Maryland | 2 | $ 290,000 | $ 145,000 | $ 120,000 |
| Howard County Maryland | 2 | $ 670,000 | $ 335,000 | $ 97,000 |
| Macomb County Michigan | 2 | $ 140,000 | $ 70,000 | $ 222,000 |
| Oakland County Michigan | 2 | $ 240,000 | $ 120,000 | $ 94,000 |
| Greene County Missouri | 2 | $ 280,000 | $ 140,000 | $ 105,000 |
| St. Charles County Missouri | 2 | $ 400,000 | $ 200,000 | $ 114,000 |
| Gallatin County Montana | 2 | $ 400,000 | $ 200,000 | $ 104,000 |
| Valencia County New Mexico | 2 | $ 280,000 | $ 140,000 | $ 96,000 |
| Mecklenburg County North Carolina | 2 | $ 450,000 | $ 225,000 | $ 105,000 |
| Franklin County Ohio | 2 | $ 240,000 | $ 120,000 | $ 110,000 |
| Collin County Texas | 2 | $ 620,000 | $ 310,000 | $ 156,000 |
| Denton County Texas | 2 | $ 660,000 | $ 330,000 | $ 158,000 |
| Fort Bend County Texas | 2 | $ 420,000 | $ 210,000 | $ 130,000 |
| Hays County Texas | 2 | $ 750,000 | $ 375,000 | $ 135,000 |
| Salt Lake County Utah | 2 | $ 910,000 | $ 455,000 | $ 210,000 |
| Mason County Washington | 2 | $ 490,000 | $ 245,000 | $ 189,000 |
| Whatcom County Washington | 2 | $ 550,000 | $ 275,000 | $ 124,000 |
| Baldwin County Alabama | 1 | $ 125,000 | $ 125,000 | $ 184,000 |
| Coffee County Alabama | 1 | $ 95,000 | $ 95,000 | $ 228,000 |
| Limestone County Alabama | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Coconino County Arizona | 1 | $ 405,000 | $ 405,000 | $ 209,000 |
| Benton County Arkansas | 1 | $ 205,000 | $ 205,000 | $ 102,000 |
| Garland County Arkansas | 1 | $ 85,000 | $ 85,000 | $ 69,000 |
| Hot Spring County Arkansas | 1 | $ 325,000 | $ 325,000 | $ 1,024,000 |
| Alpine County California | 1 | $ 495,000 | $ 495,000 | $ 217,000 |
| Glenn County California | 1 | $ 205,000 | $ 205,000 | $ 623,000 |
| Shasta County California | 1 | $ 235,000 | $ 235,000 | $ 160,000 |
| Siskiyou County California | 1 | $ 245,000 | $ 245,000 | $ 82,000 |
| Tehama County California | 1 | $ 235,000 | $ 235,000 | $ 91,000 |
| Yuba County California | 1 | $ 175,000 | $ 175,000 | $ 130,000 |
| Adams County Colorado | 1 | $ 285,000 | $ 285,000 | $ 79,000 |
| Alamosa County Colorado | 1 | $ 395,000 | $ 395,000 | $ 179,000 |
| Denver County Colorado | 1 | $ 565,000 | $ 565,000 | $ 165,000 |
| Summit County Colorado | 1 | $ 425,000 | $ 425,000 | $ 208,000 |
| Weld County Colorado | 1 | $ 755,000 | $ 755,000 | $ 368,000 |
| Fairfield County Connecticut | 1 | $ 475,000 | $ 475,000 | $ 163,000 |
| Litchfield County Connecticut | 1 | $ 265,000 | $ 265,000 | $ 140,000 |
| Sussex County Delaware | 1 | $ 275,000 | $ 275,000 | $ 185,000 |
| District of Columbia County District Of Columbia | 1 | $ 285,000 | $ 285,000 | $ 97,000 |
| Bay County Florida | 1 | $ 295,000 | $ 295,000 | $ 90,000 |
| Citrus County Florida | 1 | $ 65,000 | $ 65,000 | $ 45,000 |
| Clay County Florida | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Escambia County Florida | 1 | $ 45,000 | $ 45,000 | $ 67,000 |
| Franklin County Florida | 1 | $ 395,000 | $ 395,000 | $ 280,000 |
| Lee County Florida | 1 | $ 415,000 | $ 415,000 | $ 121,000 |
| Osceola County Florida | 1 | $ 105,000 | $ 105,000 | $ 202,000 |
| Sarasota County Florida | 1 | $ 265,000 | $ 265,000 | $ 427,000 |
| St. Johns County Florida | 1 | $ 405,000 | $ 405,000 | $ 166,000 |
| Volusia County Florida | 1 | $ 305,000 | $ 305,000 | $ 98,000 |
| Camden County Georgia | 1 | $ 325,000 | $ 325,000 | $ 187,000 |
| Chatham County Georgia | 1 | $ 155,000 | $ 155,000 | $ 29,000 |
| Cobb County Georgia | 1 | $ 405,000 | $ 405,000 | $ 189,000 |
| DeKalb County Georgia | 1 | $ 195,000 | $ 195,000 | $ 169,000 |
| Douglas County Georgia | 1 | $ 105,000 | $ 105,000 | $ 130,000 |
| Fayette County Georgia | 1 | $ 275,000 | $ 275,000 | $ 30,000 |
| Gwinnett County Georgia | 1 | $ 195,000 | $ 195,000 | $ 202,000 |
| Jefferson County Georgia | 1 | $ 655,000 | $ 655,000 | $ 63,000 |
| Oconee County Georgia | 1 | $ 145,000 | $ 145,000 | $ 146,000 |
| Kauai County Hawaii | 1 | $ 375,000 | $ 375,000 | $ 788,000 |
| Blaine County Idaho | 1 | $ 315,000 | $ 315,000 | $ 464,000 |
| Bonner County Idaho | 1 | $ 215,000 | $ 215,000 | $ 162,000 |
| Kootenai County Idaho | 1 | $ 355,000 | $ 355,000 | $ 343,000 |
| Teton County Idaho | 1 | $ 415,000 | $ 415,000 | $ 158,000 |
| DuPage County Illinois | 1 | $ 235,000 | $ 235,000 | $ 45,000 |
| Lake County Illinois | 1 | $ 505,000 | $ 505,000 | $ 200,000 |
| Will County Illinois | 1 | $ 335,000 | $ 335,000 | $ 90,000 |
| Lake County Indiana | 1 | $ 65,000 | $ 65,000 | $ 113,000 |
| Marion County Indiana | 1 | $ 755,000 | $ 755,000 | $ 283,000 |
| St. Joseph County Indiana | 1 | $ 155,000 | $ 155,000 | $ 167,000 |
| Mills County Iowa | 1 | $ 155,000 | $ 155,000 | $ 124,000 |
| Kenton County Kentucky | 1 | $ 235,000 | $ 235,000 | $ 275,000 |
| Orleans County Louisiana | 1 | $ 755,000 | $ 755,000 | $ 449,000 |
| Anne Arundel County Maryland | 1 | $ 125,000 | $ 125,000 | $ 170,000 |
| Garrett County Maryland | 1 | $ 395,000 | $ 395,000 | $ 272,000 |
| Harford County Maryland | 1 | $ 125,000 | $ 125,000 | $ 147,000 |
| Prince George's County Maryland | 1 | $ 445,000 | $ 445,000 | $ 139,000 |
| Berkshire County Massachusetts | 1 | $ 165,000 | $ 165,000 | $ 150,000 |
| Middlesex County Massachusetts | 1 | $ 405,000 | $ 405,000 | $ 178,000 |
| Plymouth County Massachusetts | 1 | $ 285,000 | $ 285,000 | $ 145,000 |
| Worcester County Massachusetts | 1 | $ 355,000 | $ 355,000 | $ 155,000 |
| Ingham County Michigan | 1 | $ 265,000 | $ 265,000 | $ 109,000 |
| Washtenaw County Michigan | 1 | $ 505,000 | $ 505,000 | $ 262,000 |
| Dakota County Minnesota | 1 | $ 35,000 | $ 35,000 | $ 52,000 |
| Ramsey County Minnesota | 1 | $ 165,000 | $ 165,000 | $ 122,000 |
| Hinds County Mississippi | 1 | $ 95,000 | $ 95,000 | $ 52,000 |
| St. Louis City County Missouri | 1 | $ 55,000 | $ 55,000 | $ 505,000 |
| Flathead County Montana | 1 | $ 145,000 | $ 145,000 | $ 101,000 |
| Churchill County Nevada | 1 | $ 285,000 | $ 285,000 | $ 310,000 |
| Lyon County Nevada | 1 | $ 175,000 | $ 175,000 | $ 288,000 |
| Nye County Nevada | 1 | $ 195,000 | $ 195,000 | $ 99,000 |
| Sullivan County New Hampshire | 1 | $ 135,000 | $ 135,000 | $ 160,000 |
| Bergen County New Jersey | 1 | $ 255,000 | $ 255,000 | $ 150,000 |
| Essex County New Jersey | 1 | $ 295,000 | $ 295,000 | $ 126,000 |
| Passaic County New Jersey | 1 | $ 265,000 | $ 265,000 | $ 400,000 |
| Otero County New Mexico | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Sandoval County New Mexico | 1 | $ 125,000 | $ 125,000 | $ 65,000 |
| Albany County New York | 1 | $ 175,000 | $ 175,000 | $ 113,000 |
| Nassau County New York | 1 | $ 595,000 | $ 595,000 | $ 230,000 |
| Suffolk County New York | 1 | $ 335,000 | $ 335,000 | $ 385,000 |
| Durham County North Carolina | 1 | $ 345,000 | $ 345,000 | $ 184,000 |
| Harnett County North Carolina | 1 | $ 125,000 | $ 125,000 | $ 29,000 |
| Orange County North Carolina | 1 | $ 535,000 | $ 535,000 | $ 225,000 |
| Rowan County North Carolina | 1 | $ 135,000 | $ 135,000 | $ 80,000 |
| Stark County North Dakota | 1 | $ 335,000 | $ 335,000 | $ 200,000 |
| Cuyahoga County Ohio | 1 | $ 55,000 | $ 55,000 | $ 127,000 |
| Oklahoma County Oklahoma | 1 | $ 145,000 | $ 145,000 | $ 326,000 |
| Wagoner County Oklahoma | 1 | $ 145,000 | $ 145,000 | $ 195,000 |
| Columbia County Oregon | 1 | $ 205,000 | $ 205,000 | $ 63,000 |
| Josephine County Oregon | 1 | $ 155,000 | $ 155,000 | $ 42,000 |
| Lane County Oregon | 1 | $ 105,000 | $ 105,000 | $ 94,000 |
| Lincoln County Oregon | 1 | $ 215,000 | $ 215,000 | $ 183,000 |
| Marion County Oregon | 1 | $ 615,000 | $ 615,000 | $ 201,000 |
| Wasco County Oregon | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Washington County Oregon | 1 | $ 315,000 | $ 315,000 | $ 286,000 |
| Beaver County Pennsylvania | 1 | $ 225,000 | $ 225,000 | $ 112,000 |
| Bucks County Pennsylvania | 1 | $ 125,000 | $ 125,000 | $ 109,000 |
| Chester County Pennsylvania | 1 | $ 575,000 | $ 575,000 | $ 200,000 |
| Fulton County Pennsylvania | 1 | $ 85,000 | $ 85,000 | $ 53,000 |
| Montgomery County Pennsylvania | 1 | $ 375,000 | $ 375,000 | $ 87,000 |
| Westmoreland County Pennsylvania | 1 | $ 755,000 | $ 755,000 | $ 239,000 |
| Charleston County South Carolina | 1 | $ 385,000 | $ 385,000 | $ 227,000 |
| Lawrence County South Dakota | 1 | $ 275,000 | $ 275,000 | $ 300,000 |
| Minnehaha County South Dakota | 1 | $ 305,000 | $ 305,000 | $ 123,000 |
| Hamilton County Tennessee | 1 | $ 105,000 | $ 105,000 | $ 211,000 |
| Montgomery County Tennessee | 1 | $ 125,000 | $ 125,000 | $ 74,000 |
| Sevier County Tennessee | 1 | $ 155,000 | $ 155,000 | $ 115,000 |
| Sumner County Tennessee | 1 | $ 1,065,000 | $ 1,065,000 | $ 400,000 |
| Williamson County Tennessee | 1 | $ 225,000 | $ 225,000 | $ 107,000 |
| Bandera County Texas | 1 | $ 355,000 | $ 355,000 | $ 139,000 |
| Dallas County Texas | 1 | $ 345,000 | $ 345,000 | $ 163,000 |
| McLennan County Texas | 1 | $ 865,000 | $ 865,000 | $ 199,000 |
| Davis County Utah | 1 | $ 285,000 | $ 285,000 | $ 52,000 |
| Albemarle County Virginia | 1 | $ 135,000 | $ 135,000 | $ 262,000 |
| Arlington County Virginia | 1 | $ 405,000 | $ 405,000 | $ 78,000 |
| King George County Virginia | 1 | $ 225,000 | $ 225,000 | $ 58,000 |
| Loudoun County Virginia | 1 | $ 355,000 | $ 355,000 | $ 169,000 |
| Stafford County Virginia | 1 | $ 105,000 | $ 105,000 | $ 98,000 |
| Clallam County Washington | 1 | $ 805,000 | $ 805,000 | $ 737,000 |
| Clark County Washington | 1 | $ 415,000 | $ 415,000 | $ 108,000 |
| Snohomish County Washington | 1 | $ 525,000 | $ 525,000 | $ 228,000 |
| Spokane County Washington | 1 | $ 675,000 | $ 675,000 | $ 283,000 |
| Kanawha County West Virginia | 1 | $ 515,000 | $ 515,000 | $ 154,000 |
| Waukesha County Wisconsin | 1 | $ 155,000 | $ 155,000 | $ 145,000 |
| Waupaca County Wisconsin | 1 | $ 545,000 | $ 545,000 | $ 175,000 |
| Natrona County Wyoming | 1 | $ 205,000 | $ 205,000 | $ 54,000 |
Mortgage Loan Application Detail Totals for Star One Credit Union in 2021
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 | 1,870 | $1,242,230,000 | $664,000 | $3,505,000 | $225,000 | $2,820,000 |
| Refinancing | 1,216 | $551,720,000 | $453,000 | $2,905,000 | $225,000 | $3,075,000 |
| Home Improvement | 1,010 | $295,060,000 | $292,000 | $2,305,000 | $212,000 | $2,856,000 |
| Other Purpose | 726 | $244,110,000 | $336,000 | $1,805,000 | $200,000 | $2,179,000 |
| Cash-out Refinancing | 675 | $444,985,000 | $659,000 | $4,005,000 | $212,000 | $1,076,000 |
| 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 | 2,306 | $1,099,260,000 | $476,000 | $2,945,000 | $207,000 | $2,820,000 |
| Asian | 1,215 | $651,195,000 | $535,000 | $4,005,000 | $224,000 | $2,506,000 |
| Not Provided | 1,042 | $546,060,000 | $524,000 | $3,505,000 | $234,000 | $1,860,000 |
| Hispanic | 421 | $184,545,000 | $438,000 | $2,205,000 | $187,000 | $3,075,000 |
| Black or African American | 96 | $46,840,000 | $487,000 | $1,705,000 | $187,000 | $457,000 |
| American Indian or Alaskan Native | 27 | $13,825,000 | $512,000 | $1,005,000 | $194,000 | $448,000 |
| Native Hawaiian or Other Pacific Islander | 13 | $4,935,000 | $379,000 | $905,000 | $144,000 | $231,000 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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) | 5,497 | $2,778,105,000 | $505,000 | $4,005,000 | $218,000 | $3,075,000 |
| 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 | 3,118 | $1,363,690,000 | $437,000 | $3,135,000 | $218,000 | $2,506,000 |
| Preapproval Approved but not Accepted | 921 | $670,135,000 | $727,000 | $3,505,000 | $237,000 | $2,820,000 |
| Application Denied By Financial Institution | 752 | $378,960,000 | $503,000 | $4,005,000 | $196,000 | $3,075,000 |
| Application Approved But Not Accepted | 437 | $184,395,000 | $421,000 | $2,005,000 | $233,000 | $2,500,000 |
| Preapproval Denied by Financial Institution | 153 | $112,485,000 | $735,000 | $2,305,000 | $178,000 | $1,007,000 |
| Application Withdrawn By Applicant | 85 | $55,135,000 | $648,000 | $3,375,000 | $198,000 | $1,021,000 |
| File Closed For Incompleteness | 31 | $13,305,000 | $429,000 | $1,165,000 | $209,000 | $1,300,000 |
| 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 | 4,592 | $2,286,660,000 | $497,000 | $3,505,000 | $222,000 | $2,820,000 |
| Credit Application Incomplete | 309 | $192,705,000 | $623,000 | $2,505,000 | $236,000 | $1,650,000 |
| Debt-To-Income Ratio | 306 | $153,920,000 | $503,000 | $4,005,000 | $92,000 | $345,000 |
| Unverifiable Information | 101 | $47,915,000 | $474,000 | $2,905,000 | $255,000 | $1,772,000 |
| Other | 79 | $35,605,000 | $450,000 | $2,245,000 | $219,000 | $828,000 |
| Credit History | 58 | $28,350,000 | $488,000 | $1,755,000 | $333,000 | $3,075,000 |
| Collateral | 33 | $18,565,000 | $562,000 | $3,015,000 | $288,000 | $840,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 13 | $9,375,000 | $721,000 | $1,385,000 | $195,000 | $465,000 |
| Employment History | 5 | $3,585,000 | $717,000 | $1,505,000 | $197,000 | $409,000 |
| Mortgage Insurance Denied | 1 | $1,425,000 | $1,425,000 | $1,425,000 | $264,000 | $264,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Star One Credit Union's 2021 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 Star One 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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with aggregated HMDA statistics today.