Star One Credit Union Mortgage Lending & HMDA Data, 2023

In 2023, Star One Credit Union of Sunnyvale, CA reported 3,306 mortgage applications totaling $2.0 billion, down 27% from 2022. The average application was for $591,252, and applicants reported an average income of $267,626. 50% of its applications resulted in an originated loan and 14% were denied. Its largest markets were San Jose-Sunnyvale-Santa Clara, CA (1,014), Oakland-Hayward-Berkeley, CA (493) and Stockton-Lodi, CA (150) (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 3,306
Total Mortgage Loan Application Amount $1,954,680,000
Average Mortgage Loan Application Amount $591,252
Highest Mortgage Loan Application Amount $3,005,000
Average Applicant Income $267,626
Highest Applicant Income $4,740,000

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(HMDA) records Star One Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.

Mortgage Loan Application Totals for Star One Credit Union by County in 2023

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 994 $ 501,680,000 $ 504,708 $ 268,000
Alameda, California 384 $ 262,790,000 $ 684,348 $ 290,000
San Joaquin, California 150 $ 74,410,000 $ 496,066 $ 222,000
Contra Costa, California 109 $ 67,555,000 $ 619,770 $ 321,000
San Mateo, California 96 $ 58,260,000 $ 606,875 $ 308,000
Santa Cruz, California 71 $ 28,365,000 $ 399,507 $ 215,000
Sacramento, California 46 $ 16,150,000 $ 351,086 $ 252,000
San Francisco, California 34 $ 23,350,000 $ 686,764 $ 335,000
Monterey, California 31 $ 9,865,000 $ 318,225 $ 206,000
Placer, California 31 $ 9,865,000 $ 318,225 $ 181,000
San Diego, California 28 $ 14,870,000 $ 531,071 $ 267,000
Stanislaus, California 28 $ 8,410,000 $ 300,357 $ 113,000
Los Angeles, California 25 $ 15,535,000 $ 621,400 $ 290,000
Orange, California 21 $ 12,645,000 $ 602,142 $ 234,000
San Benito, California 20 $ 6,010,000 $ 300,500 $ 215,000
El Dorado, California 19 $ 3,415,000 $ 179,736 $ 148,000
Fresno, California 14 $ 3,780,000 $ 270,000 $ 234,000
Merced, California 14 $ 2,420,000 $ 172,857 $ 142,000
Riverside, California 14 $ 3,590,000 $ 256,428 $ 202,000
Maricopa, Arizona 13 $ 4,705,000 $ 361,923 $ 268,000
Marin, California 11 $ 5,415,000 $ 492,272 $ 242,000
Travis, Texas 11 $ 5,555,000 $ 505,000 $ 241,000
Williamson, Texas 11 $ 4,295,000 $ 390,454 $ 266,000
Sonoma, California 10 $ 4,480,000 $ 448,000 $ 294,000
Nevada, California 9 $ 3,605,000 $ 400,555 $ 256,000
Clark, Nevada 8 $ 2,820,000 $ 352,500 $ 214,000
Napa, California 7 $ 2,255,000 $ 322,142 $ 269,000
Solano, California 7 $ 2,425,000 $ 346,428 $ 213,000
Kern, California 6 $ 940,000 $ 156,666 $ 150,000
Durham, North Carolina 6 $ 2,000,000 $ 333,333 $ 175,000
King, Washington 6 $ 5,070,000 $ 845,000 $ 312,000
Calaveras, California 5 $ 1,095,000 $ 219,000 $ 136,000
San Luis Obispo, California 5 $ 1,405,000 $ 281,000 $ 172,000
Ventura, California 5 $ 2,855,000 $ 571,000 $ 254,000
Yolo, California 5 $ 2,605,000 $ 521,000 $ 220,000
Douglas, Colorado 5 $ 2,255,000 $ 451,000 $ 314,000
Deschutes, Oregon 5 $ 2,525,000 $ 505,000 $ 177,000
Multnomah, Oregon 5 $ 2,115,000 $ 423,000 $ 245,000
Hays, Texas 5 $ 2,025,000 $ 405,000 $ 225,000
Madera, California 4 $ 1,400,000 $ 350,000 $ 222,000
El Paso, Colorado 4 $ 990,000 $ 247,500 $ 123,000
Wake, North Carolina 4 $ 1,250,000 $ 312,500 $ 146,000
Cuyahoga, Ohio 4 $ 370,000 $ 92,500 $ 152,000
Clackamas, Oregon 4 $ 2,250,000 $ 562,500 $ 283,000
Collin, Texas 4 $ 2,220,000 $ 555,000 $ 170,000
Dallas, Texas 4 $ 960,000 $ 240,000 $ 255,000
Denton, Texas 4 $ 1,720,000 $ 430,000 $ 236,000
Harris, Texas 4 $ 1,200,000 $ 300,000 $ 236,000
Snohomish, Washington 4 $ 2,970,000 $ 742,500 $ 197,000
Amador, California 3 $ 985,000 $ 328,333 $ 132,000
Colusa, California 3 $ 1,405,000 $ 468,333 $ 662,000
Denver, Colorado 3 $ 1,835,000 $ 611,666 $ 134,000
Washoe, Nevada 3 $ 1,205,000 $ 401,666 $ 315,000
Dona Ana, New Mexico 3 $ 705,000 $ 235,000 $ 171,000
Douglas, Oregon 3 $ 1,045,000 $ 348,333 $ 85,000
Sevier, Tennessee 3 $ 1,565,000 $ 521,666 $ 271,000
Shelby, Tennessee 3 $ 1,305,000 $ 435,000 $ 283,000
Pierce, Washington 3 $ 1,155,000 $ 385,000 $ 289,000
Humboldt, California 2 $ 100,000 $ 50,000 $ 76,000
San Bernardino, California 2 $ 650,000 $ 325,000 $ 145,000
Santa Barbara, California 2 $ 1,090,000 $ 545,000 $ 270,000
Shasta, California 2 $ 640,000 $ 320,000 $ 97,000
Tuolumne, California 2 $ 230,000 $ 115,000 $ 122,000
Yuba, California 2 $ 740,000 $ 370,000 $ 172,000
Arapahoe, Colorado 2 $ 1,130,000 $ 565,000 $ 199,000
Jefferson, Colorado 2 $ 1,210,000 $ 605,000 $ 170,000
Weld, Colorado 2 $ 1,020,000 $ 510,000 $ 225,000
Fairfield, Connecticut 2 $ 1,600,000 $ 800,000 $ 220,000
Okaloosa, Florida 2 $ 470,000 $ 235,000 $ 701,000
Forsyth, Georgia 2 $ 1,190,000 $ 595,000 $ 293,000
Cook, Illinois 2 $ 600,000 $ 300,000 $ 113,000
Henry, Indiana 2 $ 250,000 $ 125,000 $ 76,000
Monroe, New York 2 $ 830,000 $ 415,000 $ 250,000
Davidson, North Carolina 2 $ 530,000 $ 265,000 $ 184,000
Orange, North Carolina 2 $ 490,000 $ 245,000 $ 157,000
Butler, Ohio 2 $ 370,000 $ 185,000 $ 322,000
Canadian, Oklahoma 2 $ 350,000 $ 175,000 $ 400,000
Benton, Oregon 2 $ 1,250,000 $ 625,000 $ 152,000
Washington, Oregon 2 $ 730,000 $ 365,000 $ 166,000
Monroe, Pennsylvania 2 $ 370,000 $ 185,000 $ 328,000
Davidson, Tennessee 2 $ 540,000 $ 270,000 $ 297,000
Knox, Tennessee 2 $ 820,000 $ 410,000 $ 149,000
Grayson, Texas 2 $ 410,000 $ 205,000 $ 143,000
Chesterfield, Virginia 2 $ 510,000 $ 255,000 $ 95,000
Fairfax, Virginia 2 $ 1,520,000 $ 760,000 $ 197,000
Jefferson, Alabama 1 $ 505,000 $ 505,000 $ 220,000
Lauderdale, Alabama 1 $ 225,000 $ 225,000 $ 163,000
Mobile, Alabama 1 $ 75,000 $ 75,000 $ 252,000
Pima, Arizona 1 $ 305,000 $ 305,000 $ 187,000
Yavapai, Arizona 1 $ 205,000 $ 205,000 $ 66,000
Benton, Arkansas 1 $ 845,000 $ 845,000 $ 358,000
Washington, Arkansas 1 $ 415,000 $ 415,000 $ 231,000
Butte, California 1 $ 55,000 $ 55,000 $ 67,000
Del Norte, California 1 $ 205,000 $ 205,000 $ 261,000
Lake, California 1 $ 205,000 $ 205,000 $ 264,000
Siskiyou, California 1 $ 255,000 $ 255,000 $ 83,000
Sutter, California 1 $ 125,000 $ 125,000 $ 167,000
Tulare, California 1 $ 25,000 $ 25,000 $ 72,000
Adams, Colorado 1 $ 735,000 $ 735,000 $ 267,000
Grand, Colorado 1 $ 505,000 $ 505,000 $ 271,000
Larimer, Colorado 1 $ 95,000 $ 95,000 $ 98,000
Brevard, Florida 1 $ 605,000 $ 605,000 $ 223,000
Martin, Florida 1 $ 505,000 $ 505,000 $ 165,000
Orange, Florida 1 $ 725,000 $ 725,000 $ 339,000
Sarasota, Florida 1 $ 325,000 $ 325,000 $ 128,000
Seminole, Florida 1 $ 365,000 $ 365,000 $ 183,000
Volusia, Florida 1 $ 105,000 $ 105,000 $ 158,000
Fulton, Georgia 1 $ 755,000 $ 755,000 $ 435,000
Gwinnett, Georgia 1 $ 465,000 $ 465,000 $ 270,000
Muscogee, Georgia 1 $ 65,000 $ 65,000 $ 228,000
Spalding, Georgia 1 $ 145,000 $ 145,000 $ 218,000
Honolulu, Hawaii 1 $ 265,000 $ 265,000 $ 237,000
Maui, Hawaii 1 $ 1,035,000 $ 1,035,000 $ 503,000
Canyon, Idaho 1 $ 405,000 $ 405,000 $ 127,000
Kootenai, Idaho 1 $ 305,000 $ 305,000 $ 90,000
Valley, Idaho 1 $ 315,000 $ 315,000 $ 215,000
Champaign, Illinois 1 $ 165,000 $ 165,000 $ 184,000
DuPage, Illinois 1 $ 365,000 $ 365,000 $ 254,000
Grant, Kentucky 1 $ 225,000 $ 225,000 $ 52,000
Orleans, Louisiana 1 $ 105,000 $ 105,000 $ 75,000
Kennebec, Maine 1 $ 575,000 $ 575,000 $ 262,000
Frederick, Maryland 1 $ 385,000 $ 385,000 $ 21,000
Suffolk, Massachusetts 1 $ 575,000 $ 575,000 $ 233,000
Anoka, Minnesota 1 $ 355,000 $ 355,000 $ 120,000
Hennepin, Minnesota 1 $ 305,000 $ 305,000 $ 145,000
Washington, Minnesota 1 $ 185,000 $ 185,000 $ 257,000
DeSoto, Mississippi 1 $ 225,000 $ 225,000 $ 281,000
St. Charles, Missouri 1 $ 235,000 $ 235,000 $ 152,000
Gallatin, Montana 1 $ 355,000 $ 355,000 $ 298,000
Douglas, Nebraska 1 $ 165,000 $ 165,000 $ 559,000
Carson City, Nevada 1 $ 405,000 $ 405,000 $ 463,000
Elko, Nevada 1 $ 195,000 $ 195,000 $ 89,000
Lyon, Nevada 1 $ 325,000 $ 325,000 $ 68,000
Hudson, New Jersey 1 $ 285,000 $ 285,000 $ 173,000
Sandoval, New Mexico 1 $ 265,000 $ 265,000 $ 105,000
New York, New York 1 $ 555,000 $ 555,000 $ 170,000
Franklin, Ohio 1 $ 345,000 $ 345,000 $ 431,000
Hamilton, Ohio 1 $ 315,000 $ 315,000 $ 212,000
Tulsa, Oklahoma 1 $ 175,000 $ 175,000 $ 226,000
Coos, Oregon 1 $ 435,000 $ 435,000 $ 166,000
Jackson, Oregon 1 $ 425,000 $ 425,000 $ 205,000
Josephine, Oregon 1 $ 955,000 $ 955,000 $ 262,000
Montgomery, Pennsylvania 1 $ 255,000 $ 255,000 $ 215,000
Anderson, South Carolina 1 $ 355,000 $ 355,000 $ 267,000
Horry, South Carolina 1 $ 195,000 $ 195,000 $ 159,000
Lawrence, South Dakota 1 $ 525,000 $ 525,000 $ 339,000
Hamilton, Tennessee 1 $ 225,000 $ 225,000 $ 3,120,000
Van Buren, Tennessee 1 $ 315,000 $ 315,000 $ 165,000
Williamson, Tennessee 1 $ 1,705,000 $ 1,705,000 $ 600,000
Brazoria, Texas 1 $ 205,000 $ 205,000 $ 152,000
Fort Bend, Texas 1 $ 655,000 $ 655,000 $ 190,000
Galveston, Texas 1 $ 665,000 $ 665,000 $ 145,000
Johnson, Texas 1 $ 525,000 $ 525,000 $ 175,000
Kaufman, Texas 1 $ 195,000 $ 195,000 $ 224,000
Parker, Texas 1 $ 365,000 $ 365,000 $ 150,000
Tarrant, Texas 1 $ 215,000 $ 215,000 $ 180,000
Davis, Utah 1 $ 85,000 $ 85,000 $ 51,000
Summit, Utah 1 $ 905,000 $ 905,000 $ 328,000
Utah, Utah 1 $ 405,000 $ 405,000 $ 157,000
Washington, Utah 1 $ 295,000 $ 295,000 $ 163,000
Chittenden, Vermont 1 $ 275,000 $ 275,000 $ 660,000
Hampton, Virginia 1 $ 225,000 $ 225,000 $ 73,000
Grays Harbor, Washington 1 $ 215,000 $ 215,000 $ 69,000
Thurston, Washington 1 $ 305,000 $ 305,000 $ 106,000
Whatcom, Washington 1 $ 425,000 $ 425,000 $ 315,000
Whitman, Washington 1 $ 255,000 $ 255,000 $ 76,000
Dane, Wisconsin 1 $ 295,000 $ 295,000 $ 184,000

Mortgage Loan Application Detail Totals for Star One Credit Union in 2023

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 1,913 $1,538,025,000 $803,000 $3,005,000 $292,000 $4,657,000
Home Improvement 803 $190,325,000 $237,000 $1,445,000 $232,000 $4,740,000
Other Purpose 282 $63,510,000 $225,000 $1,005,000 $228,000 $3,756,000
Refinancing 178 $107,450,000 $603,000 $2,475,000 $253,000 $722,000
Cash-out Refinancing 130 $55,370,000 $425,000 $2,325,000 $235,000 $3,120,000
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
Asian 1,080 $760,400,000 $704,000 $2,885,000 $291,000 $4,740,000
White 1,038 $502,350,000 $483,000 $3,005,000 $229,000 $1,828,000
Not Provided 545 $315,185,000 $578,000 $3,005,000 $284,000 $2,832,000
Hispanic 245 $89,675,000 $366,000 $1,605,000 $196,000 $900,000
Black or African American 40 $16,370,000 $409,000 $1,505,000 $218,000 $1,155,000
Native Hawaiian or Other Pacific Islander 11 $5,505,000 $500,000 $875,000 $184,000 $273,000
American Indian or Alaskan Native 10 $3,020,000 $302,000 $1,045,000 $143,000 $250,000
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) 3,306 $1,954,680,000 $591,000 $3,005,000 $267,000 $4,740,000
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 1,638 $811,660,000 $495,000 $3,005,000 $256,000 $1,653,000
Preapproval Approved but not Accepted 638 $533,740,000 $836,000 $3,005,000 $301,000 $4,657,000
Application Denied By Financial Institution 453 $199,695,000 $440,000 $2,475,000 $214,000 $2,100,000
Application Approved But Not Accepted 333 $213,415,000 $640,000 $2,755,000 $339,000 $4,740,000
Preapproval Denied by Financial Institution 200 $170,750,000 $853,000 $2,705,000 $255,000 $1,224,000
File Closed For Incompleteness 36 $19,170,000 $532,000 $1,285,000 $248,000 $469,000
Application Withdrawn By Applicant 8 $6,250,000 $781,000 $1,285,000 $244,000 $690,000
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 2,653 $1,584,235,000 $597,000 $3,005,000 $277,000 $4,740,000
Debt-To-Income Ratio 320 $191,710,000 $599,000 $2,505,000 $173,000 $763,000
Credit Application Incomplete 126 $87,740,000 $696,000 $2,005,000 $288,000 $1,224,000
Other 59 $26,855,000 $455,000 $2,325,000 $352,000 $2,100,000
Unverifiable Information 55 $29,485,000 $536,000 $2,705,000 $245,000 $993,000
Collateral 47 $13,575,000 $288,000 $855,000 $254,000 $709,000
Credit History 32 $10,900,000 $340,000 $1,405,000 $227,000 $1,210,000
Insufficient Cash (Downpayment, Closing Cost) 7 $5,845,000 $835,000 $1,285,000 $229,000 $422,000
Mortgage Insurance Denied 4 $3,400,000 $850,000 $1,305,000 $235,000 $467,000
Employment History 3 $935,000 $311,000 $755,000 $102,000 $178,000

Our comprehensive HMDA mortgage statistics provide invaluable insights into Star One Credit Union's 2023 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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