Star One Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2003
Star One Credit Union 2003 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 Sunnyvale, CA 94088 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 1,907 |
| Total Mortgage Loan Application Amount | $412,684,000 |
| Average Mortgage Loan Application Amount | $172,976 |
| Highest Mortgage Loan Application Amount | $995,000 |
| Average Applicant Income | $86,790 |
| Highest Applicant Income | $762,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2003 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 2003 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 2003.
| 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 | 1,027 | $ 231,007,000 | $ 224,000 | $ 87,000 |
| Alameda County California | 171 | $ 40,056,000 | $ 234,000 | $ 102,000 |
| Santa Cruz County California | 75 | $ 18,065,000 | $ 240,000 | $ 96,000 |
| San Mateo County California | 66 | $ 17,905,000 | $ 271,000 | $ 117,000 |
| Travis County Texas | 44 | $ 5,002,000 | $ 113,000 | $ 103,000 |
| Contra Costa County California | 43 | $ 9,425,000 | $ 219,000 | $ 101,000 |
| San Joaquin County California | 33 | $ 6,822,000 | $ 206,000 | $ 92,000 |
| Sacramento County California | 24 | $ 4,738,000 | $ 197,000 | $ 86,000 |
| El Dorado County California | 22 | $ 4,098,000 | $ 186,000 | $ 109,000 |
| Stanislaus County California | 20 | $ 3,951,000 | $ 197,000 | $ 86,000 |
| Placer County California | 16 | $ 3,185,000 | $ 199,000 | $ 70,000 |
| San Diego County California | 16 | $ 3,808,000 | $ 238,000 | $ 101,000 |
| San Francisco County California | 16 | $ 6,157,000 | $ 384,000 | $ 189,000 |
| San Benito County California | 14 | $ 2,841,000 | $ 202,000 | $ 97,000 |
| Hays County Texas | 14 | $ 1,705,000 | $ 121,000 | $ 91,000 |
| Maricopa County Arizona | 11 | $ 1,972,000 | $ 179,000 | $ 77,000 |
| Los Angeles County California | 10 | $ 2,642,000 | $ 264,000 | $ 113,000 |
| Sonoma County California | 9 | $ 1,954,000 | $ 217,000 | $ 71,000 |
| Calaveras County California | 8 | $ 1,109,000 | $ 138,000 | $ 75,000 |
| Orange County California | 8 | $ 2,118,000 | $ 264,000 | $ 94,000 |
| San Luis Obispo County California | 8 | $ 1,928,000 | $ 241,000 | $ 85,000 |
| Santa Barbara County California | 8 | $ 1,761,000 | $ 220,000 | $ 85,000 |
| Arapahoe County Colorado | 8 | $ 1,148,000 | $ 143,000 | $ 77,000 |
| Williamson County Texas | 8 | $ 867,000 | $ 108,000 | $ 81,000 |
| Monterey County California | 7 | $ 1,962,000 | $ 280,000 | $ 100,000 |
| Shasta County California | 7 | $ 797,000 | $ 113,000 | $ 51,000 |
| Solano County California | 7 | $ 1,184,000 | $ 169,000 | $ 117,000 |
| Brevard County Florida | 7 | $ 1,054,000 | $ 150,000 | $ 95,000 |
| Nevada County California | 6 | $ 950,000 | $ 158,000 | $ 99,000 |
| Tuolumne County California | 6 | $ 1,108,000 | $ 184,000 | $ 70,000 |
| El Paso County Colorado | 6 | $ 1,112,000 | $ 185,000 | $ 103,000 |
| Washoe County Nevada | 6 | $ 1,257,000 | $ 209,000 | $ 124,000 |
| Butte County California | 5 | $ 668,000 | $ 133,000 | $ 53,000 |
| Fresno County California | 5 | $ 1,166,000 | $ 233,000 | $ 110,000 |
| Mendocino County California | 5 | $ 550,000 | $ 110,000 | $ 51,000 |
| Douglas County Colorado | 5 | $ 1,054,000 | $ 210,000 | $ 97,000 |
| Jackson County Oregon | 5 | $ 877,000 | $ 175,000 | $ 86,000 |
| Harris County Texas | 5 | $ 461,000 | $ 92,000 | $ 66,000 |
| Riverside County California | 4 | $ 784,000 | $ 196,000 | $ 97,000 |
| Sutter County California | 4 | $ 467,000 | $ 116,000 | $ 54,000 |
| Tarrant County Texas | 4 | $ 804,000 | $ 201,000 | $ 104,000 |
| Fairfax County Virginia | 4 | $ 820,000 | $ 205,000 | $ 144,000 |
| Prince William County Virginia | 4 | $ 881,000 | $ 220,000 | $ 145,000 |
| King County Washington | 4 | $ 1,006,000 | $ 251,000 | $ 91,000 |
| Madison County Alabama | 3 | $ 422,000 | $ 140,000 | $ 100,000 |
| Amador County California | 3 | $ 417,000 | $ 139,000 | $ 101,000 |
| Marin County California | 3 | $ 1,587,000 | $ 529,000 | $ 300,000 |
| Clark County Nevada | 3 | $ 494,000 | $ 164,000 | $ 41,000 |
| Wake County North Carolina | 3 | $ 262,000 | $ 87,000 | $ 85,000 |
| Bastrop County Texas | 3 | $ 364,000 | $ 121,000 | $ 105,000 |
| Collin County Texas | 3 | $ 637,000 | $ 212,000 | $ 117,000 |
| Island County Washington | 3 | $ 428,000 | $ 142,000 | $ 86,000 |
| Kitsap County Washington | 3 | $ 486,000 | $ 162,000 | $ 101,000 |
| Pima County Arizona | 2 | $ 310,000 | $ 155,000 | $ 121,000 |
| Kern County California | 2 | $ 339,000 | $ 169,000 | $ 56,000 |
| Plumas County California | 2 | $ 170,000 | $ 85,000 | $ 23,000 |
| Tehama County California | 2 | $ 255,000 | $ 127,000 | $ 47,000 |
| Ventura County California | 2 | $ 403,000 | $ 201,000 | $ 54,000 |
| Jefferson County Colorado | 2 | $ 431,000 | $ 215,000 | $ 88,000 |
| Hillsborough County Florida | 2 | $ 386,000 | $ 193,000 | $ 64,000 |
| Volusia County Florida | 2 | $ 178,000 | $ 89,000 | $ 74,000 |
| Ada County Idaho | 2 | $ 309,000 | $ 154,000 | $ 66,000 |
| Carson City County Nevada | 2 | $ 333,000 | $ 166,000 | $ 85,000 |
| Deschutes County Oregon | 2 | $ 142,000 | $ 71,000 | $ 43,000 |
| Lane County Oregon | 2 | $ 479,000 | $ 239,000 | $ 184,000 |
| Multnomah County Oregon | 2 | $ 337,000 | $ 168,000 | $ 92,000 |
| Bexar County Texas | 2 | $ 169,000 | $ 84,000 | $ 99,000 |
| Snohomish County Washington | 2 | $ 360,000 | $ 180,000 | $ 125,000 |
| Baldwin County Alabama | 1 | $ 60,000 | $ 60,000 | $ 34,000 |
| Cochise County Arizona | 1 | $ 65,000 | $ 65,000 | $ 50,000 |
| Yavapai County Arizona | 1 | $ 200,000 | $ 200,000 | $ 8,000 |
| Alpine County California | 1 | $ 108,000 | $ 108,000 | $ 31,000 |
| Glenn County California | 1 | $ 121,000 | $ 121,000 | $ 59,000 |
| Humboldt County California | 1 | $ 100,000 | $ 100,000 | $ 26,000 |
| Lake County California | 1 | $ 19,000 | $ 19,000 | $ 38,000 |
| Madera County California | 1 | $ 91,000 | $ 91,000 | $ 20,000 |
| Mariposa County California | 1 | $ 105,000 | $ 105,000 | $ 127,000 |
| Merced County California | 1 | $ 60,000 | $ 60,000 | $ 50,000 |
| Napa County California | 1 | $ 48,000 | $ 48,000 | $ 35,000 |
| San Bernardino County California | 1 | $ 148,000 | $ 148,000 | $ 112,000 |
| Tulare County California | 1 | $ 146,000 | $ 146,000 | $ 44,000 |
| Adams County Colorado | 1 | $ 200,000 | $ 200,000 | $ 99,000 |
| Elbert County Colorado | 1 | $ 109,000 | $ 109,000 | $ 122,000 |
| New Haven County Connecticut | 1 | $ 297,000 | $ 297,000 | $ 40,000 |
| Collier County Florida | 1 | $ 570,000 | $ 570,000 | $ 270,000 |
| Hernando County Florida | 1 | $ 142,000 | $ 142,000 | $ 57,000 |
| Marion County Florida | 1 | $ 241,000 | $ 241,000 | $ 104,000 |
| Nassau County Florida | 1 | $ 66,000 | $ 66,000 | $ 66,000 |
| Okeechobee County Florida | 1 | $ 50,000 | $ 50,000 | $ 50,000 |
| Palm Beach County Florida | 1 | $ 72,000 | $ 72,000 | $ 31,000 |
| Seminole County Florida | 1 | $ 146,000 | $ 146,000 | $ 33,000 |
| Camden County Georgia | 1 | $ 55,000 | $ 55,000 | $ 62,000 |
| Cobb County Georgia | 1 | $ 60,000 | $ 60,000 | $ 84,000 |
| Walker County Georgia | 1 | $ 125,000 | $ 125,000 | $ 63,000 |
| Kane County Illinois | 1 | $ 144,000 | $ 144,000 | $ 62,000 |
| Madison County Illinois | 1 | $ 110,000 | $ 110,000 | $ 69,000 |
| Butler County Kansas | 1 | $ 62,000 | $ 62,000 | $ 47,000 |
| Sedgwick County Kansas | 1 | $ 210,000 | $ 210,000 | $ 68,000 |
| Lafayette County Louisiana | 1 | $ 114,000 | $ 114,000 | $ 69,000 |
| Berkshire County Massachusetts | 1 | $ 40,000 | $ 40,000 | $ 72,000 |
| Hampshire County Massachusetts | 1 | $ 598,000 | $ 598,000 | $ 232,000 |
| Saginaw County Michigan | 1 | $ 93,000 | $ 93,000 | $ 96,000 |
| Hennepin County Minnesota | 1 | $ 300,000 | $ 300,000 | $ 104,000 |
| Scott County Minnesota | 1 | $ 165,000 | $ 165,000 | $ 119,000 |
| Lamar County Mississippi | 1 | $ 250,000 | $ 250,000 | $ 76,000 |
| St. Louis County Missouri | 1 | $ 200,000 | $ 200,000 | $ 37,000 |
| Sanders County Montana | 1 | $ 80,000 | $ 80,000 | $ 45,000 |
| Douglas County Nevada | 1 | $ 215,000 | $ 215,000 | $ 57,000 |
| Middlesex County New Jersey | 1 | $ 120,000 | $ 120,000 | $ 37,000 |
| Bernalillo County New Mexico | 1 | $ 162,000 | $ 162,000 | $ 62,000 |
| Dona Ana County New Mexico | 1 | $ 65,000 | $ 65,000 | $ 93,000 |
| Luna County New Mexico | 1 | $ 90,000 | $ 90,000 | $ 29,000 |
| Henderson County North Carolina | 1 | $ 140,000 | $ 140,000 | $ 36,000 |
| Cuyahoga County Ohio | 1 | $ 233,000 | $ 233,000 | $ 85,000 |
| Curry County Oregon | 1 | $ 162,000 | $ 162,000 | $ 80,000 |
| Marion County Oregon | 1 | $ 102,000 | $ 102,000 | $ 45,000 |
| Washington County Oregon | 1 | $ 201,000 | $ 201,000 | $ 90,000 |
| Aiken County South Carolina | 1 | $ 220,000 | $ 220,000 | $ 119,000 |
| Brookings County South Dakota | 1 | $ 110,000 | $ 110,000 | $ 44,000 |
| Burnet County Texas | 1 | $ 44,000 | $ 44,000 | $ 67,000 |
| Denton County Texas | 1 | $ 28,000 | $ 28,000 | $ 29,000 |
| El Paso County Texas | 1 | $ 229,000 | $ 229,000 | $ 36,000 |
| Ellis County Texas | 1 | $ 173,000 | $ 173,000 | $ 46,000 |
| Taylor County Texas | 1 | $ 112,000 | $ 112,000 | $ 54,000 |
| Millard County Utah | 1 | $ 114,000 | $ 114,000 | $ 85,000 |
| Salt Lake County Utah | 1 | $ 116,000 | $ 116,000 | $ 72,000 |
| Utah County Utah | 1 | $ 425,000 | $ 425,000 | $ 150,000 |
| Chittenden County Vermont | 1 | $ 115,000 | $ 115,000 | $ 56,000 |
| Clarke County Virginia | 1 | $ 301,000 | $ 301,000 | $ 129,000 |
| Spotsylvania County Virginia | 1 | $ 172,000 | $ 172,000 | $ 30,000 |
| Clark County Washington | 1 | $ 60,000 | $ 60,000 | $ 36,000 |
| Mason County Washington | 1 | $ 87,000 | $ 87,000 | $ 33,000 |
| Pierce County Washington | 1 | $ 194,000 | $ 194,000 | $ 109,000 |
Mortgage Loan Application Detail Totals for Star One Credit Union in 2003
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 |
|---|---|---|---|---|---|---|
| Refinancing (home purchase or home improvement, one-to-four family) | 1,703 | $372,081,000 | $159,689 | $995,000 | $76,310 | $762,000 |
| Home Purchase (one-to-four family) | 190 | $39,382,000 | $209,230 | $937,000 | $107,076 | $450,000 |
| Home Improvement (one-to-four family) | 14 | $1,221,000 | $87,000 | $285,000 | $127,000 | $365,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 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 | 1,302 | $278,305,000 | $165,148 | $990,000 | $81,629 | $762,000 |
| Asian or Pacific Islander | 213 | $50,113,000 | $169,666 | $995,000 | $101,666 | $486,000 |
| Information not provided by applicant in mail or telephone application | 195 | $44,973,000 | $167,166 | $995,000 | $74,250 | $505,000 |
| Other | 78 | $16,301,000 | $175,833 | $675,000 | $91,500 | $270,000 |
| Hispanic | 75 | $14,079,000 | $150,333 | $623,000 | $66,666 | $168,000 |
| Black | 26 | $5,026,000 | $153,000 | $387,000 | $78,666 | $212,000 |
| American Indian or Alaskan Native | 18 | $3,887,000 | $185,666 | $574,000 | $88,000 | $228,000 |
| 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) | 1,907 | $412,684,000 | $167,333 | $995,000 | $79,200 | $762,000 |
| 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 | 1,499 | $320,640,000 | $166,269 | $995,000 | $81,346 | $605,000 |
| Application Withdrawn By Applicant | 305 | $72,340,000 | $158,642 | $995,000 | $70,785 | $762,000 |
| Application Denied By Financial Institution | 100 | $18,782,000 | $189,111 | $675,000 | $100,000 | $223,000 |
| File Closed For Incompleteness | 2 | $582,000 | $291,000 | $400,000 | $55,000 | $60,000 |
| Application Approved But Not Accepted | 1 | $340,000 | $340,000 | $340,000 | $116,000 | $116,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 3 | $337,000 | $104,000 | $200,000 | $71,000 | $120,000 |
| Other | 3 | $356,000 | $119,000 | $124,000 | $61,000 | $71,000 |
| Debt-To-Income Ratio | 1 | $325,000 | $325,000 | $325,000 | $52,000 | $52,000 |
| Employment History | 1 | $375,000 | $375,000 | $375,000 | $61,000 | $61,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Star One Credit Union's 2003 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.