Star One Credit Union Mortgage Lending & HMDA Data, 2022
In 2022, Star One Credit Union of Sunnyvale, CA reported 4,550 mortgage applications totaling $2.4 billion, down 17% from 2021. The average application was for $533,476, and applicants reported an average income of $244,224. 56% of its applications resulted in an originated loan and 14% were denied. Its largest markets were San Jose-Sunnyvale-Santa Clara, CA (1,673), Oakland-Hayward-Berkeley, CA (599) and Sacramento--Roseville--Arden-Arcade, CA (185) (applications in parentheses).
| Mortgage Company & Address | Star One Credit Union Po Box 3643 Sunnyvale, CA 94088 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 |
| Total Number of Mortgage Applications | 4,550 |
| Total Mortgage Loan Application Amount | $2,427,320,000 |
| Average Mortgage Loan Application Amount | $533,476 |
| Highest Mortgage Loan Application Amount | $5,005,000 |
| Average Applicant Income | $244,224 |
| Highest Applicant Income | $8,568,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Star One Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| 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 | 1,638 | $ 803,380,000 | $ 490,463 | $ 252,000 |
| Alameda, California | 409 | $ 237,235,000 | $ 580,036 | $ 277,000 |
| Contra Costa, California | 190 | $ 110,580,000 | $ 582,000 | $ 246,000 |
| San Joaquin, California | 156 | $ 65,130,000 | $ 417,500 | $ 187,000 |
| San Mateo, California | 133 | $ 75,005,000 | $ 563,947 | $ 300,000 |
| Santa Cruz, California | 117 | $ 44,705,000 | $ 382,094 | $ 198,000 |
| Sacramento, California | 83 | $ 34,605,000 | $ 416,927 | $ 181,000 |
| Placer, California | 66 | $ 24,160,000 | $ 366,060 | $ 204,000 |
| Los Angeles, California | 50 | $ 25,540,000 | $ 510,800 | $ 248,000 |
| San Diego, California | 43 | $ 17,305,000 | $ 402,441 | $ 229,000 |
| San Francisco, California | 40 | $ 27,310,000 | $ 682,750 | $ 298,000 |
| San Benito, California | 35 | $ 13,795,000 | $ 394,142 | $ 207,000 |
| El Dorado, California | 32 | $ 10,400,000 | $ 325,000 | $ 191,000 |
| Stanislaus, California | 28 | $ 7,500,000 | $ 267,857 | $ 225,000 |
| Monterey, California | 24 | $ 10,450,000 | $ 435,416 | $ 182,000 |
| Maricopa, Arizona | 23 | $ 7,585,000 | $ 329,782 | $ 226,000 |
| Washoe, Nevada | 20 | $ 9,180,000 | $ 459,000 | $ 209,000 |
| San Luis Obispo, California | 19 | $ 6,575,000 | $ 346,052 | $ 164,000 |
| Williamson, Texas | 19 | $ 8,325,000 | $ 438,157 | $ 246,000 |
| Orange, California | 18 | $ 9,510,000 | $ 528,333 | $ 200,000 |
| Nevada, California | 17 | $ 6,425,000 | $ 377,941 | $ 190,000 |
| Sonoma, California | 15 | $ 7,605,000 | $ 507,000 | $ 314,000 |
| Merced, California | 14 | $ 3,940,000 | $ 281,428 | $ 131,000 |
| Riverside, California | 14 | $ 3,720,000 | $ 265,714 | $ 132,000 |
| King, Washington | 13 | $ 9,775,000 | $ 751,923 | $ 217,000 |
| Travis, Texas | 12 | $ 4,560,000 | $ 380,000 | $ 290,000 |
| Wake, North Carolina | 10 | $ 4,600,000 | $ 460,000 | $ 266,000 |
| Douglas, Colorado | 9 | $ 6,135,000 | $ 681,666 | $ 194,000 |
| Clark, Nevada | 9 | $ 3,835,000 | $ 426,111 | $ 232,000 |
| Madison, Alabama | 8 | $ 1,920,000 | $ 240,000 | $ 203,000 |
| Butte, California | 8 | $ 2,280,000 | $ 285,000 | $ 178,000 |
| Fresno, California | 8 | $ 3,030,000 | $ 378,750 | $ 157,000 |
| Marin, California | 8 | $ 5,670,000 | $ 708,750 | $ 245,000 |
| Napa, California | 8 | $ 2,140,000 | $ 267,500 | $ 172,000 |
| Solano, California | 8 | $ 2,820,000 | $ 352,500 | $ 154,000 |
| Ada, Idaho | 8 | $ 3,180,000 | $ 397,500 | $ 188,000 |
| Calaveras, California | 7 | $ 1,675,000 | $ 239,285 | $ 202,000 |
| Madera, California | 7 | $ 1,485,000 | $ 212,142 | $ 78,000 |
| Canadian, Oklahoma | 7 | $ 715,000 | $ 102,142 | $ 251,000 |
| Dallas, Texas | 7 | $ 1,895,000 | $ 270,714 | $ 185,000 |
| Tuolumne, California | 6 | $ 1,460,000 | $ 243,333 | $ 213,000 |
| Washington, Oregon | 6 | $ 1,840,000 | $ 306,666 | $ 186,000 |
| Amador, California | 5 | $ 1,335,000 | $ 267,000 | $ 188,000 |
| Kern, California | 5 | $ 1,225,000 | $ 245,000 | $ 97,000 |
| Shasta, California | 5 | $ 725,000 | $ 145,000 | $ 82,000 |
| Ventura, California | 5 | $ 1,945,000 | $ 389,000 | $ 257,000 |
| Yuba, California | 5 | $ 2,345,000 | $ 469,000 | $ 151,000 |
| Denver, Colorado | 5 | $ 3,375,000 | $ 675,000 | $ 193,000 |
| Jefferson, Colorado | 5 | $ 1,555,000 | $ 311,000 | $ 116,000 |
| Fulton, Georgia | 5 | $ 2,915,000 | $ 583,000 | $ 214,000 |
| Cuyahoga, Ohio | 5 | $ 1,305,000 | $ 261,000 | $ 265,000 |
| Harris, Texas | 5 | $ 2,555,000 | $ 511,000 | $ 223,000 |
| Santa Barbara, California | 4 | $ 1,470,000 | $ 367,500 | $ 159,000 |
| Yolo, California | 4 | $ 1,030,000 | $ 257,500 | $ 204,000 |
| Hawaii, Hawaii | 4 | $ 2,400,000 | $ 600,000 | $ 158,000 |
| Oklahoma, Oklahoma | 4 | $ 1,030,000 | $ 257,500 | $ 201,000 |
| Clackamas, Oregon | 4 | $ 2,820,000 | $ 705,000 | $ 291,000 |
| Williamson, Tennessee | 4 | $ 1,960,000 | $ 490,000 | $ 216,000 |
| Collin, Texas | 4 | $ 2,290,000 | $ 572,500 | $ 194,000 |
| Hays, Texas | 4 | $ 1,290,000 | $ 322,500 | $ 285,000 |
| Tarrant, Texas | 4 | $ 1,680,000 | $ 420,000 | $ 494,000 |
| Utah, Utah | 4 | $ 2,080,000 | $ 520,000 | $ 144,000 |
| Pinal, Arizona | 3 | $ 1,375,000 | $ 458,333 | $ 98,000 |
| Arapahoe, Colorado | 3 | $ 2,005,000 | $ 668,333 | $ 272,000 |
| Hillsborough, Florida | 3 | $ 875,000 | $ 291,666 | $ 145,000 |
| Osceola, Florida | 3 | $ 995,000 | $ 331,666 | $ 148,000 |
| DeKalb, Georgia | 3 | $ 1,215,000 | $ 405,000 | $ 343,000 |
| Honolulu, Hawaii | 3 | $ 1,975,000 | $ 658,333 | $ 153,000 |
| Hendricks, Indiana | 3 | $ 655,000 | $ 218,333 | $ 166,000 |
| Carson City, Nevada | 3 | $ 2,065,000 | $ 688,333 | $ 225,000 |
| Douglas, Nevada | 3 | $ 1,465,000 | $ 488,333 | $ 192,000 |
| Durham, North Carolina | 3 | $ 1,185,000 | $ 395,000 | $ 288,000 |
| Denton, Texas | 3 | $ 2,015,000 | $ 671,666 | $ 160,000 |
| Fort Bend, Texas | 3 | $ 515,000 | $ 171,666 | $ 133,000 |
| Salt Lake, Utah | 3 | $ 1,655,000 | $ 551,666 | $ 153,000 |
| Pima, Arizona | 2 | $ 330,000 | $ 165,000 | $ 53,000 |
| Del Norte, California | 2 | $ 640,000 | $ 320,000 | $ 122,000 |
| Humboldt, California | 2 | $ 480,000 | $ 240,000 | $ 129,000 |
| Tehama, California | 2 | $ 420,000 | $ 210,000 | $ 116,000 |
| Tulare, California | 2 | $ 270,000 | $ 135,000 | $ 69,000 |
| El Paso, Colorado | 2 | $ 1,190,000 | $ 595,000 | $ 217,000 |
| Manatee, Florida | 2 | $ 640,000 | $ 320,000 | $ 215,000 |
| Orange, Florida | 2 | $ 740,000 | $ 370,000 | $ 236,000 |
| Palm Beach, Florida | 2 | $ 1,010,000 | $ 505,000 | $ 456,000 |
| St. Johns, Florida | 2 | $ 630,000 | $ 315,000 | $ 302,000 |
| Kootenai, Idaho | 2 | $ 700,000 | $ 350,000 | $ 259,000 |
| Cook, Illinois | 2 | $ 520,000 | $ 260,000 | $ 70,000 |
| Washington, Minnesota | 2 | $ 340,000 | $ 170,000 | $ 657,000 |
| Santa Fe, New Mexico | 2 | $ 1,860,000 | $ 930,000 | $ 589,000 |
| Westchester, New York | 2 | $ 870,000 | $ 435,000 | $ 410,000 |
| Alamance, North Carolina | 2 | $ 490,000 | $ 245,000 | $ 200,000 |
| Mecklenburg, North Carolina | 2 | $ 380,000 | $ 190,000 | $ 1,090,000 |
| Orange, North Carolina | 2 | $ 620,000 | $ 310,000 | $ 226,000 |
| Butler, Ohio | 2 | $ 640,000 | $ 320,000 | $ 419,000 |
| Cleveland, Oklahoma | 2 | $ 160,000 | $ 80,000 | $ 197,000 |
| Benton, Oregon | 2 | $ 290,000 | $ 145,000 | $ 77,000 |
| Deschutes, Oregon | 2 | $ 420,000 | $ 210,000 | $ 73,000 |
| Hood River, Oregon | 2 | $ 1,530,000 | $ 765,000 | $ 184,000 |
| Jackson, Oregon | 2 | $ 750,000 | $ 375,000 | $ 66,000 |
| Multnomah, Oregon | 2 | $ 1,220,000 | $ 610,000 | $ 169,000 |
| Maury, Tennessee | 2 | $ 590,000 | $ 295,000 | $ 124,000 |
| Lubbock, Texas | 2 | $ 510,000 | $ 255,000 | $ 142,000 |
| McLennan, Texas | 2 | $ 710,000 | $ 355,000 | $ 187,000 |
| Clark, Washington | 2 | $ 1,030,000 | $ 515,000 | $ 152,000 |
| Pierce, Washington | 2 | $ 1,320,000 | $ 660,000 | $ 229,000 |
| Whatcom, Washington | 2 | $ 1,220,000 | $ 610,000 | $ 221,000 |
| Whitman, Washington | 2 | $ 350,000 | $ 175,000 | $ 234,000 |
| Limestone, Alabama | 1 | $ 205,000 | $ 205,000 | $ 190,000 |
| Gila, Arizona | 1 | $ 335,000 | $ 335,000 | $ 70,000 |
| Navajo, Arizona | 1 | $ 145,000 | $ 145,000 | $ 101,000 |
| Santa Cruz, Arizona | 1 | $ 105,000 | $ 105,000 | $ 35,000 |
| Yavapai, Arizona | 1 | $ 605,000 | $ 605,000 | $ 137,000 |
| Benton, Arkansas | 1 | $ 265,000 | $ 265,000 | $ 138,000 |
| Washington, Arkansas | 1 | $ 255,000 | $ 255,000 | $ 87,000 |
| Glenn, California | 1 | $ 275,000 | $ 275,000 | $ 79,000 |
| Lake, California | 1 | $ 105,000 | $ 105,000 | $ 53,000 |
| Mariposa, California | 1 | $ 15,000 | $ 15,000 | $ 122,000 |
| Modoc, California | 1 | $ 85,000 | $ 85,000 | $ 31,000 |
| San Bernardino, California | 1 | $ 15,000 | $ 15,000 | $ 134,000 |
| Sutter, California | 1 | $ 15,000 | $ 15,000 | $ 50,000 |
| Adams, Colorado | 1 | $ 115,000 | $ 115,000 | $ 232,000 |
| Boulder, Colorado | 1 | $ 395,000 | $ 395,000 | $ 215,000 |
| Broomfield, Colorado | 1 | $ 355,000 | $ 355,000 | $ 76,000 |
| Clear Creek, Colorado | 1 | $ 535,000 | $ 535,000 | $ 227,000 |
| La Plata, Colorado | 1 | $ 395,000 | $ 395,000 | $ 223,000 |
| Larimer, Colorado | 1 | $ 575,000 | $ 575,000 | $ 444,000 |
| Routt, Colorado | 1 | $ 525,000 | $ 525,000 | $ 365,000 |
| Summit, Colorado | 1 | $ 785,000 | $ 785,000 | $ 412,000 |
| Weld, Colorado | 1 | $ 345,000 | $ 345,000 | $ 132,000 |
| Fairfield, Connecticut | 1 | $ 625,000 | $ 625,000 | $ 223,000 |
| New Haven, Connecticut | 1 | $ 395,000 | $ 395,000 | $ 222,000 |
| New London, Connecticut | 1 | $ 305,000 | $ 305,000 | $ 172,000 |
| New Castle, Delaware | 1 | $ 585,000 | $ 585,000 | $ 80,000 |
| Brevard, Florida | 1 | $ 295,000 | $ 295,000 | $ 149,000 |
| Broward, Florida | 1 | $ 435,000 | $ 435,000 | $ 371,000 |
| Collier, Florida | 1 | $ 605,000 | $ 605,000 | $ 139,000 |
| Duval, Florida | 1 | $ 175,000 | $ 175,000 | $ 458,000 |
| Lake, Florida | 1 | $ 345,000 | $ 345,000 | $ 121,000 |
| Lee, Florida | 1 | $ 175,000 | $ 175,000 | $ 400,000 |
| Leon, Florida | 1 | $ 145,000 | $ 145,000 | $ 1,000 |
| Polk, Florida | 1 | $ 275,000 | $ 275,000 | $ 47,000 |
| Santa Rosa, Florida | 1 | $ 75,000 | $ 75,000 | $ 67,000 |
| Sarasota, Florida | 1 | $ 425,000 | $ 425,000 | $ 159,000 |
| Cobb, Georgia | 1 | $ 415,000 | $ 415,000 | $ 107,000 |
| Columbia, Georgia | 1 | $ 295,000 | $ 295,000 | $ 196,000 |
| Gwinnett, Georgia | 1 | $ 305,000 | $ 305,000 | $ 271,000 |
| Union, Georgia | 1 | $ 475,000 | $ 475,000 | $ 174,000 |
| Blaine, Idaho | 1 | $ 505,000 | $ 505,000 | $ 113,000 |
| Bonneville, Idaho | 1 | $ 295,000 | $ 295,000 | $ 137,000 |
| Canyon, Idaho | 1 | $ 275,000 | $ 275,000 | $ 221,000 |
| Champaign, Illinois | 1 | $ 245,000 | $ 245,000 | $ 387,000 |
| Kane, Illinois | 1 | $ 135,000 | $ 135,000 | $ 153,000 |
| Lake, Illinois | 1 | $ 335,000 | $ 335,000 | $ 75,000 |
| Will, Illinois | 1 | $ 335,000 | $ 335,000 | $ 90,000 |
| Marion, Indiana | 1 | $ 115,000 | $ 115,000 | $ 71,000 |
| Monroe, Indiana | 1 | $ 245,000 | $ 245,000 | $ 199,000 |
| St. Joseph, Indiana | 1 | $ 115,000 | $ 115,000 | $ 182,000 |
| Dallas, Iowa | 1 | $ 295,000 | $ 295,000 | $ 163,000 |
| Johnson, Kansas | 1 | $ 245,000 | $ 245,000 | $ 215,000 |
| Sedgwick, Kansas | 1 | $ 45,000 | $ 45,000 | $ 52,000 |
| Beauregard, Louisiana | 1 | $ 245,000 | $ 245,000 | $ 113,000 |
| Orleans, Louisiana | 1 | $ 565,000 | $ 565,000 | $ 215,000 |
| Frederick, Maryland | 1 | $ 285,000 | $ 285,000 | $ 119,000 |
| Suffolk, Massachusetts | 1 | $ 415,000 | $ 415,000 | $ 104,000 |
| Crawford, Michigan | 1 | $ 145,000 | $ 145,000 | $ 129,000 |
| Kalamazoo, Michigan | 1 | $ 215,000 | $ 215,000 | $ 211,000 |
| Mason, Michigan | 1 | $ 275,000 | $ 275,000 | $ 199,000 |
| Hennepin, Minnesota | 1 | $ 215,000 | $ 215,000 | $ 45,000 |
| Olmsted, Minnesota | 1 | $ 395,000 | $ 395,000 | $ 94,000 |
| Ramsey, Minnesota | 1 | $ 455,000 | $ 455,000 | $ 113,000 |
| St. Louis, Minnesota | 1 | $ 575,000 | $ 575,000 | $ 129,000 |
| DeSoto, Mississippi | 1 | $ 115,000 | $ 115,000 | $ 275,000 |
| Lee, Mississippi | 1 | $ 135,000 | $ 135,000 | $ 49,000 |
| Jasper, Missouri | 1 | $ 185,000 | $ 185,000 | $ 89,000 |
| Lafayette, Missouri | 1 | $ 145,000 | $ 145,000 | $ 29,000 |
| Stone, Missouri | 1 | $ 255,000 | $ 255,000 | $ 420,000 |
| Taney, Missouri | 1 | $ 105,000 | $ 105,000 | $ 165,000 |
| Madison, Montana | 1 | $ 525,000 | $ 525,000 | $ 200,000 |
| Lyon, Nevada | 1 | $ 325,000 | $ 325,000 | $ 70,000 |
| Nye, Nevada | 1 | $ 545,000 | $ 545,000 | $ 295,000 |
| Hillsborough, New Hampshire | 1 | $ 255,000 | $ 255,000 | $ 946,000 |
| Bergen, New Jersey | 1 | $ 255,000 | $ 255,000 | $ 150,000 |
| Somerset, New Jersey | 1 | $ 445,000 | $ 445,000 | $ 166,000 |
| Jefferson, New York | 1 | $ 295,000 | $ 295,000 | $ 257,000 |
| Kings, New York | 1 | $ 775,000 | $ 775,000 | $ 400,000 |
| New York, New York | 1 | $ 725,000 | $ 725,000 | $ 271,000 |
| Onondaga, New York | 1 | $ 105,000 | $ 105,000 | $ 211,000 |
| Orange, New York | 1 | $ 485,000 | $ 485,000 | $ 141,000 |
| Brunswick, North Carolina | 1 | $ 315,000 | $ 315,000 | $ 120,000 |
| Buncombe, North Carolina | 1 | $ 355,000 | $ 355,000 | $ 158,000 |
| Carteret, North Carolina | 1 | $ 315,000 | $ 315,000 | $ 187,000 |
| Cherokee, North Carolina | 1 | $ 505,000 | $ 505,000 | $ 162,000 |
| Dare, North Carolina | 1 | $ 305,000 | $ 305,000 | $ 286,000 |
| Guilford, North Carolina | 1 | $ 685,000 | $ 685,000 | $ 400,000 |
| Jackson, North Carolina | 1 | $ 465,000 | $ 465,000 | $ 174,000 |
| Moore, North Carolina | 1 | $ 345,000 | $ 345,000 | $ 377,000 |
| Union, North Carolina | 1 | $ 215,000 | $ 215,000 | $ 44,000 |
| Grand Forks, North Dakota | 1 | $ 215,000 | $ 215,000 | $ 208,000 |
| Franklin, Ohio | 1 | $ 335,000 | $ 335,000 | $ 431,000 |
| Warren, Ohio | 1 | $ 225,000 | $ 225,000 | $ 231,000 |
| Rogers, Oklahoma | 1 | $ 175,000 | $ 175,000 | $ 174,000 |
| Columbia, Oregon | 1 | $ 305,000 | $ 305,000 | $ 95,000 |
| Douglas, Oregon | 1 | $ 365,000 | $ 365,000 | $ 177,000 |
| Klamath, Oregon | 1 | $ 215,000 | $ 215,000 | $ 95,000 |
| Lane, Oregon | 1 | $ 355,000 | $ 355,000 | $ 141,000 |
| Lincoln, Oregon | 1 | $ 235,000 | $ 235,000 | $ 150,000 |
| Yamhill, Oregon | 1 | $ 505,000 | $ 505,000 | $ 282,000 |
| Allegheny, Pennsylvania | 1 | $ 175,000 | $ 175,000 | $ 119,000 |
| Bucks, Pennsylvania | 1 | $ 305,000 | $ 305,000 | $ 250,000 |
| Chester, Pennsylvania | 1 | $ 205,000 | $ 205,000 | $ 98,000 |
| Bristol, Rhode Island | 1 | $ 405,000 | $ 405,000 | $ 106,000 |
| Beaufort, South Carolina | 1 | $ 325,000 | $ 325,000 | $ 155,000 |
| Edgefield, South Carolina | 1 | $ 205,000 | $ 205,000 | $ 162,000 |
| Pennington, South Dakota | 1 | $ 215,000 | $ 215,000 | $ 132,000 |
| Blount, Tennessee | 1 | $ 145,000 | $ 145,000 | $ 52,000 |
| Davidson, Tennessee | 1 | $ 185,000 | $ 185,000 | $ 109,000 |
| Fentress, Tennessee | 1 | $ 315,000 | $ 315,000 | $ 220,000 |
| Hamilton, Tennessee | 1 | $ 495,000 | $ 495,000 | $ 264,000 |
| Montgomery, Tennessee | 1 | $ 195,000 | $ 195,000 | $ 80,000 |
| Robertson, Tennessee | 1 | $ 295,000 | $ 295,000 | $ 149,000 |
| Shelby, Tennessee | 1 | $ 145,000 | $ 145,000 | $ 63,000 |
| Aransas, Texas | 1 | $ 165,000 | $ 165,000 | $ 150,000 |
| Bastrop, Texas | 1 | $ 245,000 | $ 245,000 | $ 140,000 |
| Blanco, Texas | 1 | $ 475,000 | $ 475,000 | $ 506,000 |
| Brazoria, Texas | 1 | $ 495,000 | $ 495,000 | $ 219,000 |
| Comal, Texas | 1 | $ 85,000 | $ 85,000 | $ 51,000 |
| El Paso, Texas | 1 | $ 255,000 | $ 255,000 | $ 167,000 |
| Guadalupe, Texas | 1 | $ 295,000 | $ 295,000 | $ 203,000 |
| Hood, Texas | 1 | $ 965,000 | $ 965,000 | $ 524,000 |
| Montgomery, Texas | 1 | $ 425,000 | $ 425,000 | $ 275,000 |
| Smith, Texas | 1 | $ 275,000 | $ 275,000 | $ 155,000 |
| Box Elder, Utah | 1 | $ 95,000 | $ 95,000 | $ 57,000 |
| Summit, Utah | 1 | $ 825,000 | $ 825,000 | $ 256,000 |
| Washington, Utah | 1 | $ 135,000 | $ 135,000 | $ 106,000 |
| Chittenden, Vermont | 1 | $ 645,000 | $ 645,000 | $ 275,000 |
| Alexandria, Virginia | 1 | $ 385,000 | $ 385,000 | $ 154,000 |
| Chesapeake, Virginia | 1 | $ 395,000 | $ 395,000 | $ 236,000 |
| Chesterfield, Virginia | 1 | $ 385,000 | $ 385,000 | $ 76,000 |
| Fairfax, Virginia | 1 | $ 855,000 | $ 855,000 | $ 165,000 |
| Montgomery, Virginia | 1 | $ 315,000 | $ 315,000 | $ 130,000 |
| Cowlitz, Washington | 1 | $ 325,000 | $ 325,000 | $ 87,000 |
| Kitsap, Washington | 1 | $ 565,000 | $ 565,000 | $ 328,000 |
| Snohomish, Washington | 1 | $ 695,000 | $ 695,000 | $ 145,000 |
| Thurston, Washington | 1 | $ 405,000 | $ 405,000 | $ 260,000 |
| Manitowoc, Wisconsin | 1 | $ 105,000 | $ 105,000 | $ 190,000 |
| Milwaukee, Wisconsin | 1 | $ 165,000 | $ 165,000 | $ 165,000 |
| Waukesha, 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.
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