Star One Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2004
Star One Credit Union 2004 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 | 1,184 |
| Total Mortgage Loan Application Amount | $286,121,000 |
| Average Mortgage Loan Application Amount | $200,431 |
| Highest Mortgage Loan Application Amount | $1,000,000 |
| Average Applicant Income | $88,068 |
| Highest Applicant Income | $1,016,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2004 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 2004 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 2004.
| 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 | 582 | $ 145,822,000 | $ 250,000 | $ 100,000 |
| Alameda County California | 94 | $ 25,960,000 | $ 276,000 | $ 94,000 |
| Santa Cruz County California | 48 | $ 15,397,000 | $ 320,000 | $ 107,000 |
| San Mateo County California | 42 | $ 11,218,000 | $ 267,000 | $ 134,000 |
| San Joaquin County California | 24 | $ 6,170,000 | $ 257,000 | $ 81,000 |
| Travis County Texas | 18 | $ 2,482,000 | $ 137,000 | $ 88,000 |
| Contra Costa County California | 16 | $ 5,335,000 | $ 333,000 | $ 116,000 |
| Los Angeles County California | 14 | $ 3,997,000 | $ 285,000 | $ 79,000 |
| Sacramento County California | 14 | $ 2,788,000 | $ 199,000 | $ 86,000 |
| Placer County California | 13 | $ 2,939,000 | $ 226,000 | $ 66,000 |
| Stanislaus County California | 13 | $ 2,581,000 | $ 198,000 | $ 92,000 |
| Maricopa County Arizona | 12 | $ 2,222,000 | $ 185,000 | $ 67,000 |
| El Dorado County California | 10 | $ 1,936,000 | $ 193,000 | $ 95,000 |
| San Francisco County California | 10 | $ 3,778,000 | $ 377,000 | $ 118,000 |
| San Diego County California | 9 | $ 2,602,000 | $ 289,000 | $ 72,000 |
| Riverside County California | 8 | $ 782,000 | $ 97,000 | $ 43,000 |
| San Benito County California | 8 | $ 2,012,000 | $ 251,000 | $ 95,000 |
| El Paso County Colorado | 8 | $ 1,227,000 | $ 153,000 | $ 91,000 |
| Fresno County California | 7 | $ 1,235,000 | $ 176,000 | $ 74,000 |
| Monterey County California | 7 | $ 1,614,000 | $ 230,000 | $ 97,000 |
| Clark County Nevada | 7 | $ 1,486,000 | $ 212,000 | $ 90,000 |
| Washoe County Nevada | 7 | $ 1,784,000 | $ 254,000 | $ 67,000 |
| Butte County California | 6 | $ 1,022,000 | $ 170,000 | $ 70,000 |
| Calaveras County California | 6 | $ 1,058,000 | $ 176,000 | $ 94,000 |
| Nevada County California | 6 | $ 972,000 | $ 162,000 | $ 82,000 |
| Santa Barbara County California | 6 | $ 1,554,000 | $ 259,000 | $ 83,000 |
| Tuolumne County California | 6 | $ 919,000 | $ 153,000 | $ 62,000 |
| Williamson County Texas | 6 | $ 549,000 | $ 91,000 | $ 75,000 |
| San Luis Obispo County California | 5 | $ 1,637,000 | $ 327,000 | $ 106,000 |
| Solano County California | 5 | $ 1,166,000 | $ 233,000 | $ 86,000 |
| Harris County Texas | 5 | $ 892,000 | $ 178,000 | $ 95,000 |
| Pima County Arizona | 4 | $ 638,000 | $ 159,000 | $ 99,000 |
| Kern County California | 4 | $ 657,000 | $ 164,000 | $ 101,000 |
| Orange County California | 4 | $ 1,197,000 | $ 299,000 | $ 131,000 |
| Douglas County Colorado | 4 | $ 1,022,000 | $ 255,000 | $ 76,000 |
| Brevard County Florida | 4 | $ 513,000 | $ 128,000 | $ 84,000 |
| Ada County Idaho | 4 | $ 769,000 | $ 192,000 | $ 91,000 |
| Mendocino County California | 3 | $ 347,000 | $ 115,000 | $ 45,000 |
| Merced County California | 3 | $ 649,000 | $ 216,000 | $ 85,000 |
| Plumas County California | 3 | $ 599,000 | $ 199,000 | $ 104,000 |
| San Bernardino County California | 3 | $ 635,000 | $ 211,000 | $ 60,000 |
| Shasta County California | 3 | $ 326,000 | $ 108,000 | $ 33,000 |
| Sonoma County California | 3 | $ 909,000 | $ 303,000 | $ 120,000 |
| Palm Beach County Florida | 3 | $ 626,000 | $ 208,000 | $ 77,000 |
| Camden County Georgia | 3 | $ 202,000 | $ 67,000 | $ 69,000 |
| Jackson County Oregon | 3 | $ 745,000 | $ 248,000 | $ 165,000 |
| Lane County Oregon | 3 | $ 447,000 | $ 149,000 | $ 87,000 |
| Hays County Texas | 3 | $ 399,000 | $ 133,000 | $ 48,000 |
| Loudoun County Virginia | 3 | $ 1,195,000 | $ 398,000 | $ 97,000 |
| Prince William County Virginia | 3 | $ 1,010,000 | $ 336,000 | $ 103,000 |
| Snohomish County Washington | 3 | $ 659,000 | $ 219,000 | $ 71,000 |
| Lake County California | 2 | $ 334,000 | $ 167,000 | $ 103,000 |
| Madera County California | 2 | $ 295,000 | $ 147,000 | $ 48,000 |
| Mariposa County California | 2 | $ 410,000 | $ 205,000 | $ 53,000 |
| Arapahoe County Colorado | 2 | $ 189,000 | $ 94,000 | $ 50,000 |
| Boulder County Colorado | 2 | $ 380,000 | $ 190,000 | $ 68,000 |
| Denver County Colorado | 2 | $ 461,000 | $ 230,000 | $ 109,000 |
| Marion County Florida | 2 | $ 183,000 | $ 91,000 | $ 39,000 |
| Hawaii County Hawaii | 2 | $ 238,000 | $ 119,000 | $ 110,000 |
| Kent County Michigan | 2 | $ 137,000 | $ 68,000 | $ 75,000 |
| Washington County Oregon | 2 | $ 285,000 | $ 142,000 | $ 95,000 |
| Caldwell County Texas | 2 | $ 94,000 | $ 47,000 | $ 144,000 |
| Galveston County Texas | 2 | $ 519,000 | $ 259,000 | $ 189,000 |
| Tarrant County Texas | 2 | $ 271,000 | $ 135,000 | $ 86,000 |
| Fairfax County Virginia | 2 | $ 754,000 | $ 377,000 | $ 149,000 |
| Apache County Arizona | 1 | $ 42,000 | $ 42,000 | $ 31,000 |
| Cochise County Arizona | 1 | $ 100,000 | $ 100,000 | $ 46,000 |
| Mohave County Arizona | 1 | $ 118,000 | $ 118,000 | $ 162,000 |
| Pinal County Arizona | 1 | $ 95,000 | $ 95,000 | $ 121,000 |
| Baxter County Arkansas | 1 | $ 156,000 | $ 156,000 | $ 60,000 |
| Amador County California | 1 | $ 246,000 | $ 246,000 | $ 138,000 |
| Kings County California | 1 | $ 125,000 | $ 125,000 | $ 36,000 |
| Lassen County California | 1 | $ 80,000 | $ 80,000 | $ 40,000 |
| Siskiyou County California | 1 | $ 38,000 | $ 38,000 | $ 51,000 |
| Sutter County California | 1 | $ 243,000 | $ 243,000 | $ 113,000 |
| Tulare County California | 1 | $ 228,000 | $ 228,000 | $ 87,000 |
| Ventura County California | 1 | $ 195,000 | $ 195,000 | $ 99,000 |
| Yolo County California | 1 | $ 202,000 | $ 202,000 | $ 175,000 |
| Adams County Colorado | 1 | $ 242,000 | $ 242,000 | $ 103,000 |
| Broomfield County Colorado | 1 | $ 174,000 | $ 174,000 | $ 75,000 |
| Jefferson County Colorado | 1 | $ 135,000 | $ 135,000 | $ 25,000 |
| Larimer County Colorado | 1 | $ 150,000 | $ 150,000 | $ 97,000 |
| New Haven County Connecticut | 1 | $ 150,000 | $ 150,000 | $ 86,000 |
| Charlotte County Florida | 1 | $ 108,000 | $ 108,000 | $ 90,000 |
| Citrus County Florida | 1 | $ 210,000 | $ 210,000 | $ 100,000 |
| Duval County Florida | 1 | $ 479,000 | $ 479,000 | $ 135,000 |
| Lake County Florida | 1 | $ 55,000 | $ 55,000 | $ 29,000 |
| Martin County Florida | 1 | $ 285,000 | $ 285,000 | $ 70,000 |
| Miami-Dade County Florida | 1 | $ 50,000 | $ 50,000 | $ 77,000 |
| Nassau County Florida | 1 | $ 330,000 | $ 330,000 | $ 81,000 |
| Orange County Florida | 1 | $ 139,000 | $ 139,000 | $ 35,000 |
| Pinellas County Florida | 1 | $ 9,000 | $ 9,000 | $ 15,000 |
| Cobb County Georgia | 1 | $ 167,000 | $ 167,000 | $ 135,000 |
| Latah County Idaho | 1 | $ 100,000 | $ 100,000 | $ 50,000 |
| Anne Arundel County Maryland | 1 | $ 465,000 | $ 465,000 | $ 85,000 |
| Middlesex County Massachusetts | 1 | $ 285,000 | $ 285,000 | $ 75,000 |
| Washtenaw County Michigan | 1 | $ 275,000 | $ 275,000 | $ 90,000 |
| Hennepin County Minnesota | 1 | $ 289,000 | $ 289,000 | $ 151,000 |
| Jackson County Mississippi | 1 | $ 183,000 | $ 183,000 | $ 70,000 |
| Webster County Mississippi | 1 | $ 128,000 | $ 128,000 | $ 45,000 |
| Ravalli County Montana | 1 | $ 98,000 | $ 98,000 | $ 122,000 |
| Sanders County Montana | 1 | $ 115,000 | $ 115,000 | $ 46,000 |
| Douglas County Nevada | 1 | $ 265,000 | $ 265,000 | $ 123,000 |
| Lyon County Nevada | 1 | $ 210,000 | $ 210,000 | $ 38,000 |
| Bernalillo County New Mexico | 1 | $ 131,000 | $ 131,000 | $ 66,000 |
| Monroe County New York | 1 | $ 81,000 | $ 81,000 | $ 99,000 |
| Westchester County New York | 1 | $ 850,000 | $ 850,000 | $ 150,000 |
| Ward County North Dakota | 1 | $ 118,000 | $ 118,000 | $ 31,000 |
| Clackamas County Oregon | 1 | $ 160,000 | $ 160,000 | $ 70,000 |
| Deschutes County Oregon | 1 | $ 160,000 | $ 160,000 | $ 44,000 |
| Douglas County Oregon | 1 | $ 400,000 | $ 400,000 | $ 178,000 |
| Linn County Oregon | 1 | $ 116,000 | $ 116,000 | $ 36,000 |
| Multnomah County Oregon | 1 | $ 190,000 | $ 190,000 | $ 38,000 |
| Lehigh County Pennsylvania | 1 | $ 140,000 | $ 140,000 | $ 126,000 |
| Brookings County South Dakota | 1 | $ 142,000 | $ 142,000 | $ 62,000 |
| Tipton County Tennessee | 1 | $ 120,000 | $ 120,000 | $ 79,000 |
| Bastrop County Texas | 1 | $ 152,000 | $ 152,000 | $ 95,000 |
| Bell County Texas | 1 | $ 216,000 | $ 216,000 | $ 63,000 |
| Dallas County Texas | 1 | $ 176,000 | $ 176,000 | $ 153,000 |
| Denton County Texas | 1 | $ 196,000 | $ 196,000 | $ 68,000 |
| Johnson County Texas | 1 | $ 18,000 | $ 18,000 | $ 12,000 |
| Midland County Texas | 1 | $ 107,000 | $ 107,000 | $ 115,000 |
| Montgomery County Texas | 1 | $ 190,000 | $ 190,000 | $ 154,000 |
| Smith County Texas | 1 | $ 91,000 | $ 91,000 | $ 100,000 |
| Arlington County Virginia | 1 | $ 245,000 | $ 245,000 | $ 86,000 |
| King George County Virginia | 1 | $ 400,000 | $ 400,000 | $ 96,000 |
| Clallam County Washington | 1 | $ 291,000 | $ 291,000 | $ 229,000 |
| Clark County Washington | 1 | $ 250,000 | $ 250,000 | $ 78,000 |
| Island County Washington | 1 | $ 200,000 | $ 200,000 | $ 72,000 |
| King County Washington | 1 | $ 342,000 | $ 342,000 | $ 173,000 |
| Kitsap County Washington | 1 | $ 50,000 | $ 50,000 | $ 100,000 |
| Pierce County Washington | 1 | $ 60,000 | $ 60,000 | $ 139,000 |
Mortgage Loan Application Detail Totals for Star One Credit Union in 2004
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 | 859 | $207,261,000 | $204,750 | $999,000 | $84,450 | $1,016,000 |
| Home Purchase | 318 | $77,643,000 | $197,869 | $1,000,000 | $89,130 | $427,000 |
| Home Improvement | 7 | $1,217,000 | $173,000 | $425,000 | $136,000 | $187,000 |
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 | 789 | $190,302,000 | $186,916 | $1,000,000 | $89,958 | $814,000 |
| Not Provided | 156 | $37,594,000 | $186,785 | $990,000 | $82,500 | $522,000 |
| Asian | 129 | $33,922,000 | $230,750 | $760,000 | $85,750 | $1,016,000 |
| Hispanic | 61 | $13,057,000 | $167,000 | $600,000 | $114,000 | $800,000 |
| Black or African American | 23 | $5,515,000 | $240,000 | $465,000 | $73,800 | $186,000 |
| Native Hawaiian or Other Pacific Islander | 14 | $3,335,000 | $202,666 | $398,000 | $101,333 | $173,000 |
| American Indian or Alaskan Native | 12 | $2,396,000 | $199,000 | $512,000 | $81,000 | $139,000 |
| 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) | 1,184 | $286,121,000 | $202,370 | $1,000,000 | $86,333 | $1,016,000 |
| 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 | 896 | $213,216,000 | $198,272 | $1,000,000 | $88,500 | $1,016,000 |
| Application Withdrawn By Applicant | 198 | $57,570,000 | $208,538 | $990,000 | $88,230 | $800,000 |
| Application Denied By Financial Institution | 89 | $15,000,000 | $200,428 | $800,000 | $64,285 | $257,000 |
| Preapproval Approved but not Accepted | 1 | $335,000 | $335,000 | $335,000 | $82,000 | $82,000 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 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 | 33 | $4,655,000 | $180,250 | $575,000 | $68,500 | $112,000 |
| Debt-To-Income Ratio | 21 | $3,652,000 | $166,333 | $432,000 | $42,333 | $118,000 |
| Other | 20 | $3,199,000 | $200,500 | $475,000 | $50,000 | $218,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 6 | $662,000 | $101,000 | $228,000 | $117,000 | $257,000 |
| Employment History | 4 | $1,507,000 | $376,000 | $800,000 | $67,000 | $87,000 |
| Unverifiable Information | 2 | $760,000 | $380,000 | $650,000 | $160,000 | $224,000 |
| Collateral | 1 | $250,000 | $250,000 | $250,000 | $136,000 | $136,000 |
| Credit Application Incomplete | 1 | $295,000 | $295,000 | $295,000 | $149,000 | $149,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Star One Credit Union's 2004 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.