Star One Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2022
Star One Credit Union 2022 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 | 4,550 |
| Total Mortgage Loan Application Amount | $2,427,320,000 |
| Average Mortgage Loan Application Amount | $506,400 |
| Highest Mortgage Loan Application Amount | $5,005,000 |
| Average Applicant Income | $236,400 |
| Highest Applicant Income | $8,568,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2022 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 2022 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 2022.
| 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 | 1,638 | $ 803,380,000 | $ 490,000 | $ 252,000 |
| Alameda County California | 409 | $ 237,235,000 | $ 580,000 | $ 277,000 |
| Contra Costa County California | 190 | $ 110,580,000 | $ 582,000 | $ 246,000 |
| San Joaquin County California | 156 | $ 65,130,000 | $ 417,000 | $ 187,000 |
| San Mateo County California | 133 | $ 75,005,000 | $ 563,000 | $ 300,000 |
| Santa Cruz County California | 117 | $ 44,705,000 | $ 382,000 | $ 198,000 |
| Sacramento County California | 83 | $ 34,605,000 | $ 416,000 | $ 181,000 |
| Placer County California | 66 | $ 24,160,000 | $ 366,000 | $ 204,000 |
| Los Angeles County California | 50 | $ 25,540,000 | $ 510,000 | $ 248,000 |
| San Diego County California | 43 | $ 17,305,000 | $ 402,000 | $ 229,000 |
| San Francisco County California | 40 | $ 27,310,000 | $ 682,000 | $ 298,000 |
| San Benito County California | 35 | $ 13,795,000 | $ 394,000 | $ 207,000 |
| El Dorado County California | 32 | $ 10,400,000 | $ 325,000 | $ 191,000 |
| Stanislaus County California | 28 | $ 7,500,000 | $ 267,000 | $ 225,000 |
| Monterey County California | 24 | $ 10,450,000 | $ 435,000 | $ 182,000 |
| Maricopa County Arizona | 23 | $ 7,585,000 | $ 329,000 | $ 226,000 |
| Washoe County Nevada | 20 | $ 9,180,000 | $ 459,000 | $ 209,000 |
| San Luis Obispo County California | 19 | $ 6,575,000 | $ 346,000 | $ 164,000 |
| Williamson County Texas | 19 | $ 8,325,000 | $ 438,000 | $ 246,000 |
| Orange County California | 18 | $ 9,510,000 | $ 528,000 | $ 200,000 |
| Nevada County California | 17 | $ 6,425,000 | $ 377,000 | $ 190,000 |
| Sonoma County California | 15 | $ 7,605,000 | $ 507,000 | $ 314,000 |
| Merced County California | 14 | $ 3,940,000 | $ 281,000 | $ 131,000 |
| Riverside County California | 14 | $ 3,720,000 | $ 265,000 | $ 132,000 |
| King County Washington | 13 | $ 9,775,000 | $ 751,000 | $ 217,000 |
| Travis County Texas | 12 | $ 4,560,000 | $ 380,000 | $ 290,000 |
| Wake County North Carolina | 10 | $ 4,600,000 | $ 460,000 | $ 266,000 |
| Douglas County Colorado | 9 | $ 6,135,000 | $ 681,000 | $ 194,000 |
| Clark County Nevada | 9 | $ 3,835,000 | $ 426,000 | $ 232,000 |
| Madison County Alabama | 8 | $ 1,920,000 | $ 240,000 | $ 203,000 |
| Butte County California | 8 | $ 2,280,000 | $ 285,000 | $ 178,000 |
| Fresno County California | 8 | $ 3,030,000 | $ 378,000 | $ 157,000 |
| Marin County California | 8 | $ 5,670,000 | $ 708,000 | $ 245,000 |
| Napa County California | 8 | $ 2,140,000 | $ 267,000 | $ 172,000 |
| Solano County California | 8 | $ 2,820,000 | $ 352,000 | $ 154,000 |
| Ada County Idaho | 8 | $ 3,180,000 | $ 397,000 | $ 188,000 |
| Calaveras County California | 7 | $ 1,675,000 | $ 239,000 | $ 202,000 |
| Madera County California | 7 | $ 1,485,000 | $ 212,000 | $ 78,000 |
| Canadian County Oklahoma | 7 | $ 715,000 | $ 102,000 | $ 251,000 |
| Dallas County Texas | 7 | $ 1,895,000 | $ 270,000 | $ 185,000 |
| Tuolumne County California | 6 | $ 1,460,000 | $ 243,000 | $ 213,000 |
| Washington County Oregon | 6 | $ 1,840,000 | $ 306,000 | $ 186,000 |
| Amador County California | 5 | $ 1,335,000 | $ 267,000 | $ 188,000 |
| Kern County California | 5 | $ 1,225,000 | $ 245,000 | $ 97,000 |
| Shasta County California | 5 | $ 725,000 | $ 145,000 | $ 82,000 |
| Ventura County California | 5 | $ 1,945,000 | $ 389,000 | $ 257,000 |
| Yuba County California | 5 | $ 2,345,000 | $ 469,000 | $ 151,000 |
| Denver County Colorado | 5 | $ 3,375,000 | $ 675,000 | $ 193,000 |
| Jefferson County Colorado | 5 | $ 1,555,000 | $ 311,000 | $ 116,000 |
| Fulton County Georgia | 5 | $ 2,915,000 | $ 583,000 | $ 214,000 |
| Cuyahoga County Ohio | 5 | $ 1,305,000 | $ 261,000 | $ 265,000 |
| Harris County Texas | 5 | $ 2,555,000 | $ 511,000 | $ 223,000 |
| Santa Barbara County California | 4 | $ 1,470,000 | $ 367,000 | $ 159,000 |
| Yolo County California | 4 | $ 1,030,000 | $ 257,000 | $ 204,000 |
| Hawaii County Hawaii | 4 | $ 2,400,000 | $ 600,000 | $ 158,000 |
| Oklahoma County Oklahoma | 4 | $ 1,030,000 | $ 257,000 | $ 201,000 |
| Clackamas County Oregon | 4 | $ 2,820,000 | $ 705,000 | $ 291,000 |
| Williamson County Tennessee | 4 | $ 1,960,000 | $ 490,000 | $ 216,000 |
| Collin County Texas | 4 | $ 2,290,000 | $ 572,000 | $ 194,000 |
| Hays County Texas | 4 | $ 1,290,000 | $ 322,000 | $ 285,000 |
| Tarrant County Texas | 4 | $ 1,680,000 | $ 420,000 | $ 494,000 |
| Utah County Utah | 4 | $ 2,080,000 | $ 520,000 | $ 144,000 |
| Pinal County Arizona | 3 | $ 1,375,000 | $ 458,000 | $ 98,000 |
| Arapahoe County Colorado | 3 | $ 2,005,000 | $ 668,000 | $ 272,000 |
| Hillsborough County Florida | 3 | $ 875,000 | $ 291,000 | $ 145,000 |
| Osceola County Florida | 3 | $ 995,000 | $ 331,000 | $ 148,000 |
| DeKalb County Georgia | 3 | $ 1,215,000 | $ 405,000 | $ 343,000 |
| Honolulu County Hawaii | 3 | $ 1,975,000 | $ 658,000 | $ 153,000 |
| Hendricks County Indiana | 3 | $ 655,000 | $ 218,000 | $ 166,000 |
| Carson City County Nevada | 3 | $ 2,065,000 | $ 688,000 | $ 225,000 |
| Douglas County Nevada | 3 | $ 1,465,000 | $ 488,000 | $ 192,000 |
| Durham County North Carolina | 3 | $ 1,185,000 | $ 395,000 | $ 288,000 |
| Denton County Texas | 3 | $ 2,015,000 | $ 671,000 | $ 160,000 |
| Fort Bend County Texas | 3 | $ 515,000 | $ 171,000 | $ 133,000 |
| Salt Lake County Utah | 3 | $ 1,655,000 | $ 551,000 | $ 153,000 |
| Pima County Arizona | 2 | $ 330,000 | $ 165,000 | $ 53,000 |
| Del Norte County California | 2 | $ 640,000 | $ 320,000 | $ 122,000 |
| Humboldt County California | 2 | $ 480,000 | $ 240,000 | $ 129,000 |
| Tehama County California | 2 | $ 420,000 | $ 210,000 | $ 116,000 |
| Tulare County California | 2 | $ 270,000 | $ 135,000 | $ 69,000 |
| El Paso County Colorado | 2 | $ 1,190,000 | $ 595,000 | $ 217,000 |
| Manatee County Florida | 2 | $ 640,000 | $ 320,000 | $ 215,000 |
| Orange County Florida | 2 | $ 740,000 | $ 370,000 | $ 236,000 |
| Palm Beach County Florida | 2 | $ 1,010,000 | $ 505,000 | $ 456,000 |
| St. Johns County Florida | 2 | $ 630,000 | $ 315,000 | $ 302,000 |
| Kootenai County Idaho | 2 | $ 700,000 | $ 350,000 | $ 259,000 |
| Cook County Illinois | 2 | $ 520,000 | $ 260,000 | $ 70,000 |
| Washington County Minnesota | 2 | $ 340,000 | $ 170,000 | $ 657,000 |
| Santa Fe County New Mexico | 2 | $ 1,860,000 | $ 930,000 | $ 589,000 |
| Westchester County New York | 2 | $ 870,000 | $ 435,000 | $ 410,000 |
| Alamance County North Carolina | 2 | $ 490,000 | $ 245,000 | $ 200,000 |
| Mecklenburg County North Carolina | 2 | $ 380,000 | $ 190,000 | $ 1,090,000 |
| Orange County North Carolina | 2 | $ 620,000 | $ 310,000 | $ 226,000 |
| Butler County Ohio | 2 | $ 640,000 | $ 320,000 | $ 419,000 |
| Cleveland County Oklahoma | 2 | $ 160,000 | $ 80,000 | $ 197,000 |
| Benton County Oregon | 2 | $ 290,000 | $ 145,000 | $ 77,000 |
| Deschutes County Oregon | 2 | $ 420,000 | $ 210,000 | $ 73,000 |
| Hood River County Oregon | 2 | $ 1,530,000 | $ 765,000 | $ 184,000 |
| Jackson County Oregon | 2 | $ 750,000 | $ 375,000 | $ 66,000 |
| Multnomah County Oregon | 2 | $ 1,220,000 | $ 610,000 | $ 169,000 |
| Maury County Tennessee | 2 | $ 590,000 | $ 295,000 | $ 124,000 |
| Lubbock County Texas | 2 | $ 510,000 | $ 255,000 | $ 142,000 |
| McLennan County Texas | 2 | $ 710,000 | $ 355,000 | $ 187,000 |
| Clark County Washington | 2 | $ 1,030,000 | $ 515,000 | $ 152,000 |
| Pierce County Washington | 2 | $ 1,320,000 | $ 660,000 | $ 229,000 |
| Whatcom County Washington | 2 | $ 1,220,000 | $ 610,000 | $ 221,000 |
| Whitman County Washington | 2 | $ 350,000 | $ 175,000 | $ 234,000 |
| Limestone County Alabama | 1 | $ 205,000 | $ 205,000 | $ 190,000 |
| Gila County Arizona | 1 | $ 335,000 | $ 335,000 | $ 70,000 |
| Navajo County Arizona | 1 | $ 145,000 | $ 145,000 | $ 101,000 |
| Santa Cruz County Arizona | 1 | $ 105,000 | $ 105,000 | $ 35,000 |
| Yavapai County Arizona | 1 | $ 605,000 | $ 605,000 | $ 137,000 |
| Benton County Arkansas | 1 | $ 265,000 | $ 265,000 | $ 138,000 |
| Washington County Arkansas | 1 | $ 255,000 | $ 255,000 | $ 87,000 |
| Glenn County California | 1 | $ 275,000 | $ 275,000 | $ 79,000 |
| Lake County California | 1 | $ 105,000 | $ 105,000 | $ 53,000 |
| Mariposa County California | 1 | $ 15,000 | $ 15,000 | $ 122,000 |
| Modoc County California | 1 | $ 85,000 | $ 85,000 | $ 31,000 |
| San Bernardino County California | 1 | $ 15,000 | $ 15,000 | $ 134,000 |
| Sutter County California | 1 | $ 15,000 | $ 15,000 | $ 50,000 |
| Adams County Colorado | 1 | $ 115,000 | $ 115,000 | $ 232,000 |
| Boulder County Colorado | 1 | $ 395,000 | $ 395,000 | $ 215,000 |
| Broomfield County Colorado | 1 | $ 355,000 | $ 355,000 | $ 76,000 |
| Clear Creek County Colorado | 1 | $ 535,000 | $ 535,000 | $ 227,000 |
| La Plata County Colorado | 1 | $ 395,000 | $ 395,000 | $ 223,000 |
| Larimer County Colorado | 1 | $ 575,000 | $ 575,000 | $ 444,000 |
| Routt County Colorado | 1 | $ 525,000 | $ 525,000 | $ 365,000 |
| Summit County Colorado | 1 | $ 785,000 | $ 785,000 | $ 412,000 |
| Weld County Colorado | 1 | $ 345,000 | $ 345,000 | $ 132,000 |
| Fairfield County Connecticut | 1 | $ 625,000 | $ 625,000 | $ 223,000 |
| New Haven County Connecticut | 1 | $ 395,000 | $ 395,000 | $ 222,000 |
| New London County Connecticut | 1 | $ 305,000 | $ 305,000 | $ 172,000 |
| New Castle County Delaware | 1 | $ 585,000 | $ 585,000 | $ 80,000 |
| Brevard County Florida | 1 | $ 295,000 | $ 295,000 | $ 149,000 |
| Broward County Florida | 1 | $ 435,000 | $ 435,000 | $ 371,000 |
| Collier County Florida | 1 | $ 605,000 | $ 605,000 | $ 139,000 |
| Duval County Florida | 1 | $ 175,000 | $ 175,000 | $ 458,000 |
| Lake County Florida | 1 | $ 345,000 | $ 345,000 | $ 121,000 |
| Lee County Florida | 1 | $ 175,000 | $ 175,000 | $ 400,000 |
| Leon County Florida | 1 | $ 145,000 | $ 145,000 | $ 1,000 |
| Polk County Florida | 1 | $ 275,000 | $ 275,000 | $ 47,000 |
| Santa Rosa County Florida | 1 | $ 75,000 | $ 75,000 | $ 67,000 |
| Sarasota County Florida | 1 | $ 425,000 | $ 425,000 | $ 159,000 |
| Cobb County Georgia | 1 | $ 415,000 | $ 415,000 | $ 107,000 |
| Columbia County Georgia | 1 | $ 295,000 | $ 295,000 | $ 196,000 |
| Gwinnett County Georgia | 1 | $ 305,000 | $ 305,000 | $ 271,000 |
| Union County Georgia | 1 | $ 475,000 | $ 475,000 | $ 174,000 |
| Blaine County Idaho | 1 | $ 505,000 | $ 505,000 | $ 113,000 |
| Bonneville County Idaho | 1 | $ 295,000 | $ 295,000 | $ 137,000 |
| Canyon County Idaho | 1 | $ 275,000 | $ 275,000 | $ 221,000 |
| Champaign County Illinois | 1 | $ 245,000 | $ 245,000 | $ 387,000 |
| Kane County Illinois | 1 | $ 135,000 | $ 135,000 | $ 153,000 |
| Lake County Illinois | 1 | $ 335,000 | $ 335,000 | $ 75,000 |
| Will County Illinois | 1 | $ 335,000 | $ 335,000 | $ 90,000 |
| Marion County Indiana | 1 | $ 115,000 | $ 115,000 | $ 71,000 |
| Monroe County Indiana | 1 | $ 245,000 | $ 245,000 | $ 199,000 |
| St. Joseph County Indiana | 1 | $ 115,000 | $ 115,000 | $ 182,000 |
| Dallas County Iowa | 1 | $ 295,000 | $ 295,000 | $ 163,000 |
| Johnson County Kansas | 1 | $ 245,000 | $ 245,000 | $ 215,000 |
| Sedgwick County Kansas | 1 | $ 45,000 | $ 45,000 | $ 52,000 |
| Beauregard County Louisiana | 1 | $ 245,000 | $ 245,000 | $ 113,000 |
| Orleans County Louisiana | 1 | $ 565,000 | $ 565,000 | $ 215,000 |
| Frederick County Maryland | 1 | $ 285,000 | $ 285,000 | $ 119,000 |
| Suffolk County Massachusetts | 1 | $ 415,000 | $ 415,000 | $ 104,000 |
| Crawford County Michigan | 1 | $ 145,000 | $ 145,000 | $ 129,000 |
| Kalamazoo County Michigan | 1 | $ 215,000 | $ 215,000 | $ 211,000 |
| Mason County Michigan | 1 | $ 275,000 | $ 275,000 | $ 199,000 |
| Hennepin County Minnesota | 1 | $ 215,000 | $ 215,000 | $ 45,000 |
| Olmsted County Minnesota | 1 | $ 395,000 | $ 395,000 | $ 94,000 |
| Ramsey County Minnesota | 1 | $ 455,000 | $ 455,000 | $ 113,000 |
| St. Louis County Minnesota | 1 | $ 575,000 | $ 575,000 | $ 129,000 |
| DeSoto County Mississippi | 1 | $ 115,000 | $ 115,000 | $ 275,000 |
| Lee County Mississippi | 1 | $ 135,000 | $ 135,000 | $ 49,000 |
| Jasper County Missouri | 1 | $ 185,000 | $ 185,000 | $ 89,000 |
| Lafayette County Missouri | 1 | $ 145,000 | $ 145,000 | $ 29,000 |
| Stone County Missouri | 1 | $ 255,000 | $ 255,000 | $ 420,000 |
| Taney County Missouri | 1 | $ 105,000 | $ 105,000 | $ 165,000 |
| Madison County Montana | 1 | $ 525,000 | $ 525,000 | $ 200,000 |
| Lyon County Nevada | 1 | $ 325,000 | $ 325,000 | $ 70,000 |
| Nye County Nevada | 1 | $ 545,000 | $ 545,000 | $ 295,000 |
| Hillsborough County New Hampshire | 1 | $ 255,000 | $ 255,000 | $ 946,000 |
| Bergen County New Jersey | 1 | $ 255,000 | $ 255,000 | $ 150,000 |
| Somerset County New Jersey | 1 | $ 445,000 | $ 445,000 | $ 166,000 |
| Jefferson County New York | 1 | $ 295,000 | $ 295,000 | $ 257,000 |
| Kings County New York | 1 | $ 775,000 | $ 775,000 | $ 400,000 |
| New York County New York | 1 | $ 725,000 | $ 725,000 | $ 271,000 |
| Onondaga County New York | 1 | $ 105,000 | $ 105,000 | $ 211,000 |
| Orange County New York | 1 | $ 485,000 | $ 485,000 | $ 141,000 |
| Brunswick County North Carolina | 1 | $ 315,000 | $ 315,000 | $ 120,000 |
| Buncombe County North Carolina | 1 | $ 355,000 | $ 355,000 | $ 158,000 |
| Carteret County North Carolina | 1 | $ 315,000 | $ 315,000 | $ 187,000 |
| Cherokee County North Carolina | 1 | $ 505,000 | $ 505,000 | $ 162,000 |
| Dare County North Carolina | 1 | $ 305,000 | $ 305,000 | $ 286,000 |
| Guilford County North Carolina | 1 | $ 685,000 | $ 685,000 | $ 400,000 |
| Jackson County North Carolina | 1 | $ 465,000 | $ 465,000 | $ 174,000 |
| Moore County North Carolina | 1 | $ 345,000 | $ 345,000 | $ 377,000 |
| Union County North Carolina | 1 | $ 215,000 | $ 215,000 | $ 44,000 |
| Grand Forks County North Dakota | 1 | $ 215,000 | $ 215,000 | $ 208,000 |
| Franklin County Ohio | 1 | $ 335,000 | $ 335,000 | $ 431,000 |
| Warren County Ohio | 1 | $ 225,000 | $ 225,000 | $ 231,000 |
| Rogers County Oklahoma | 1 | $ 175,000 | $ 175,000 | $ 174,000 |
| Columbia County Oregon | 1 | $ 305,000 | $ 305,000 | $ 95,000 |
| Douglas County Oregon | 1 | $ 365,000 | $ 365,000 | $ 177,000 |
| Klamath County Oregon | 1 | $ 215,000 | $ 215,000 | $ 95,000 |
| Lane County Oregon | 1 | $ 355,000 | $ 355,000 | $ 141,000 |
| Lincoln County Oregon | 1 | $ 235,000 | $ 235,000 | $ 150,000 |
| Yamhill County Oregon | 1 | $ 505,000 | $ 505,000 | $ 282,000 |
| Allegheny County Pennsylvania | 1 | $ 175,000 | $ 175,000 | $ 119,000 |
| Bucks County Pennsylvania | 1 | $ 305,000 | $ 305,000 | $ 250,000 |
| Chester County Pennsylvania | 1 | $ 205,000 | $ 205,000 | $ 98,000 |
| Bristol County Rhode Island | 1 | $ 405,000 | $ 405,000 | $ 106,000 |
| Beaufort County South Carolina | 1 | $ 325,000 | $ 325,000 | $ 155,000 |
| Edgefield County South Carolina | 1 | $ 205,000 | $ 205,000 | $ 162,000 |
| Pennington County South Dakota | 1 | $ 215,000 | $ 215,000 | $ 132,000 |
| Blount County Tennessee | 1 | $ 145,000 | $ 145,000 | $ 52,000 |
| Davidson County Tennessee | 1 | $ 185,000 | $ 185,000 | $ 109,000 |
| Fentress County Tennessee | 1 | $ 315,000 | $ 315,000 | $ 220,000 |
| Hamilton County Tennessee | 1 | $ 495,000 | $ 495,000 | $ 264,000 |
| Montgomery County Tennessee | 1 | $ 195,000 | $ 195,000 | $ 80,000 |
| Robertson County Tennessee | 1 | $ 295,000 | $ 295,000 | $ 149,000 |
| Shelby County Tennessee | 1 | $ 145,000 | $ 145,000 | $ 63,000 |
| Aransas County Texas | 1 | $ 165,000 | $ 165,000 | $ 150,000 |
| Bastrop County Texas | 1 | $ 245,000 | $ 245,000 | $ 140,000 |
| Blanco County Texas | 1 | $ 475,000 | $ 475,000 | $ 506,000 |
| Brazoria County Texas | 1 | $ 495,000 | $ 495,000 | $ 219,000 |
| Comal County Texas | 1 | $ 85,000 | $ 85,000 | $ 51,000 |
| El Paso County Texas | 1 | $ 255,000 | $ 255,000 | $ 167,000 |
| Guadalupe County Texas | 1 | $ 295,000 | $ 295,000 | $ 203,000 |
| Hood County Texas | 1 | $ 965,000 | $ 965,000 | $ 524,000 |
| Montgomery County Texas | 1 | $ 425,000 | $ 425,000 | $ 275,000 |
| Smith County Texas | 1 | $ 275,000 | $ 275,000 | $ 155,000 |
| Box Elder County Utah | 1 | $ 95,000 | $ 95,000 | $ 57,000 |
| Summit County Utah | 1 | $ 825,000 | $ 825,000 | $ 256,000 |
| Washington County Utah | 1 | $ 135,000 | $ 135,000 | $ 106,000 |
| Chittenden County Vermont | 1 | $ 645,000 | $ 645,000 | $ 275,000 |
| Alexandria County Virginia | 1 | $ 385,000 | $ 385,000 | $ 154,000 |
| Chesapeake County Virginia | 1 | $ 395,000 | $ 395,000 | $ 236,000 |
| Chesterfield County Virginia | 1 | $ 385,000 | $ 385,000 | $ 76,000 |
| Fairfax County Virginia | 1 | $ 855,000 | $ 855,000 | $ 165,000 |
| Montgomery County Virginia | 1 | $ 315,000 | $ 315,000 | $ 130,000 |
| Cowlitz County Washington | 1 | $ 325,000 | $ 325,000 | $ 87,000 |
| Kitsap County Washington | 1 | $ 565,000 | $ 565,000 | $ 328,000 |
| Snohomish County Washington | 1 | $ 695,000 | $ 695,000 | $ 145,000 |
| Thurston County Washington | 1 | $ 405,000 | $ 405,000 | $ 260,000 |
| Manitowoc County Wisconsin | 1 | $ 105,000 | $ 105,000 | $ 190,000 |
| Milwaukee County Wisconsin | 1 | $ 165,000 | $ 165,000 | $ 165,000 |
| Waukesha County Wisconsin | 1 | $ 475,000 | $ 475,000 | $ 253,000 |
Mortgage Loan Application Detail Totals for Star One Credit Union in 2022
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 | 2,159 | $1,555,005,000 | $720,000 | $5,005,000 | $262,000 | $8,568,000 |
| Home Improvement | 1,206 | $331,020,000 | $274,000 | $2,015,000 | $230,000 | $3,380,000 |
| Other Purpose | 722 | $262,770,000 | $363,000 | $3,005,000 | $225,000 | $2,074,000 |
| Cash-out Refinancing | 274 | $181,710,000 | $663,000 | $2,945,000 | $210,000 | $1,152,000 |
| Refinancing | 189 | $96,815,000 | $512,000 | $3,325,000 | $255,000 | $1,333,000 |
| 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 | 1,654 | $762,720,000 | $461,000 | $5,005,000 | $207,000 | $2,358,000 |
| Asian | 1,358 | $821,740,000 | $605,000 | $3,325,000 | $264,000 | $5,091,000 |
| Not Provided | 731 | $410,315,000 | $561,000 | $2,945,000 | $292,000 | $8,568,000 |
| Hispanic | 368 | $155,210,000 | $421,000 | $2,085,000 | $203,000 | $4,879,000 |
| Black or African American | 69 | $30,085,000 | $436,000 | $2,955,000 | $180,000 | $918,000 |
| American Indian or Alaskan Native | 19 | $7,645,000 | $402,000 | $975,000 | $167,000 | $362,000 |
| Native Hawaiian or Other Pacific Islander | 13 | $5,235,000 | $402,000 | $1,145,000 | $167,000 | $433,000 |
| 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) | 4,550 | $2,427,320,000 | $533,000 | $5,005,000 | $244,000 | $8,568,000 |
| 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 | 2,548 | $1,191,000,000 | $467,000 | $3,005,000 | $236,000 | $1,388,000 |
| Preapproval Approved but not Accepted | 668 | $495,680,000 | $742,000 | $3,005,000 | $265,000 | $3,952,000 |
| Application Denied By Financial Institution | 650 | $313,270,000 | $481,000 | $2,505,000 | $210,000 | $2,074,000 |
| Application Approved But Not Accepted | 388 | $189,420,000 | $488,000 | $2,605,000 | $309,000 | $8,568,000 |
| Preapproval Denied by Financial Institution | 175 | $141,585,000 | $809,000 | $5,005,000 | $189,000 | $875,000 |
| Application Withdrawn By Applicant | 96 | $78,720,000 | $820,000 | $3,325,000 | $376,000 | $5,091,000 |
| File Closed For Incompleteness | 25 | $17,645,000 | $705,000 | $3,005,000 | $233,000 | $921,000 |
| 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 | 3,725 | $1,972,465,000 | $529,000 | $3,325,000 | $252,000 | $8,568,000 |
| Debt-To-Income Ratio | 360 | $209,510,000 | $581,000 | $5,005,000 | $142,000 | $523,000 |
| Credit Application Incomplete | 221 | $133,355,000 | $603,000 | $2,255,000 | $256,000 | $2,074,000 |
| Unverifiable Information | 95 | $49,365,000 | $519,000 | $2,475,000 | $240,000 | $946,000 |
| Collateral | 55 | $22,715,000 | $413,000 | $2,205,000 | $309,000 | $942,000 |
| Other | 43 | $17,515,000 | $407,000 | $1,605,000 | $309,000 | $883,000 |
| Credit History | 38 | $15,730,000 | $413,000 | $1,635,000 | $174,000 | $638,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 7 | $4,645,000 | $663,000 | $1,085,000 | $219,000 | $357,000 |
| Employment History | 5 | $1,655,000 | $331,000 | $555,000 | $119,000 | $173,000 |
| Mortgage Insurance Denied | 1 | $365,000 | $365,000 | $365,000 | $70,000 | $70,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Star One Credit Union's 2022 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.
For a list of all lenders in California, download the full spreadsheet
with aggregated HMDA statistics today.