Star One Credit Union 2008 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 | 2,594 |
| Total Mortgage Loan Application Amount | $1,043,889,000 |
| Average Mortgage Loan Application Amount | $317,666 |
| Highest Mortgage Loan Application Amount | $2,000,000 |
| Average Applicant Income | $158,000 |
| Highest Applicant Income | $1,682,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2008 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 2008 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 2008.
| 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 | 1,197 | $ 517,659,000 | $ 432,000 | $ 162,000 |
| Alameda County California | 238 | $ 99,680,000 | $ 418,000 | $ 162,000 |
| San Mateo County California | 97 | $ 45,939,000 | $ 473,000 | $ 173,000 |
| Contra Costa County California | 91 | $ 42,457,000 | $ 466,000 | $ 166,000 |
| Santa Cruz County California | 51 | $ 20,185,000 | $ 395,000 | $ 159,000 |
| San Francisco County California | 36 | $ 17,646,000 | $ 490,000 | $ 182,000 |
| San Joaquin County California | 32 | $ 7,183,000 | $ 224,000 | $ 113,000 |
| Placer County California | 31 | $ 8,093,000 | $ 261,000 | $ 136,000 |
| Los Angeles County California | 26 | $ 10,723,000 | $ 412,000 | $ 161,000 |
| Sacramento County California | 21 | $ 4,976,000 | $ 236,000 | $ 119,000 |
| El Dorado County California | 20 | $ 6,355,000 | $ 317,000 | $ 156,000 |
| San Diego County California | 20 | $ 6,817,000 | $ 340,000 | $ 170,000 |
| Travis County Texas | 19 | $ 3,695,000 | $ 194,000 | $ 115,000 |
| Stanislaus County California | 15 | $ 2,869,000 | $ 191,000 | $ 103,000 |
| Orange County California | 12 | $ 4,959,000 | $ 413,000 | $ 136,000 |
| San Luis Obispo County California | 11 | $ 3,352,000 | $ 304,000 | $ 127,000 |
| Maricopa County Arizona | 9 | $ 2,148,000 | $ 238,000 | $ 106,000 |
| Nevada County California | 9 | $ 2,611,000 | $ 290,000 | $ 118,000 |
| Santa Barbara County California | 9 | $ 1,920,000 | $ 213,000 | $ 136,000 |
| Solano County California | 9 | $ 2,296,000 | $ 255,000 | $ 119,000 |
| El Paso County Colorado | 9 | $ 1,385,000 | $ 153,000 | $ 110,000 |
| King County Washington | 9 | $ 3,002,000 | $ 333,000 | $ 104,000 |
| Clark County Nevada | 8 | $ 1,174,000 | $ 146,000 | $ 126,000 |
| Fresno County California | 7 | $ 1,536,000 | $ 219,000 | $ 86,000 |
| Monterey County California | 7 | $ 3,253,000 | $ 464,000 | $ 201,000 |
| Riverside County California | 6 | $ 2,944,000 | $ 490,000 | $ 268,000 |
| San Benito County California | 6 | $ 1,599,000 | $ 266,000 | $ 151,000 |
| Ventura County California | 6 | $ 2,468,000 | $ 411,000 | $ 229,000 |
| Arapahoe County Colorado | 6 | $ 984,000 | $ 164,000 | $ 101,000 |
| Sonoma County California | 5 | $ 1,262,000 | $ 252,000 | $ 203,000 |
| Napa County California | 4 | $ 1,429,000 | $ 357,000 | $ 177,000 |
| Shasta County California | 4 | $ 496,000 | $ 124,000 | $ 122,000 |
| Yolo County California | 4 | $ 1,098,000 | $ 274,000 | $ 152,000 |
| Boulder County Colorado | 4 | $ 1,082,000 | $ 270,000 | $ 176,000 |
| Honolulu County Hawaii | 4 | $ 1,347,000 | $ 336,000 | $ 131,000 |
| Howard County Maryland | 4 | $ 1,384,000 | $ 346,000 | $ 107,000 |
| Washoe County Nevada | 4 | $ 728,000 | $ 182,000 | $ 53,000 |
| Williamson County Texas | 4 | $ 942,000 | $ 235,000 | $ 190,000 |
| Madison County Alabama | 3 | $ 516,000 | $ 172,000 | $ 150,000 |
| Mohave County Arizona | 3 | $ 809,000 | $ 269,000 | $ 82,000 |
| Yavapai County Arizona | 3 | $ 1,804,000 | $ 601,000 | $ 84,000 |
| Kern County California | 3 | $ 620,000 | $ 206,000 | $ 217,000 |
| Marin County California | 3 | $ 1,081,000 | $ 360,000 | $ 217,000 |
| Tuolumne County California | 3 | $ 888,000 | $ 296,000 | $ 78,000 |
| Douglas County Colorado | 3 | $ 952,000 | $ 317,000 | $ 178,000 |
| Larimer County Colorado | 3 | $ 755,000 | $ 251,000 | $ 122,000 |
| District of Columbia County District Of Columbia | 3 | $ 764,000 | $ 254,000 | $ 73,000 |
| Douglas County Nevada | 3 | $ 689,000 | $ 229,000 | $ 90,000 |
| Valencia County New Mexico | 3 | $ 587,000 | $ 195,000 | $ 87,000 |
| Dallas County Texas | 3 | $ 278,000 | $ 92,000 | $ 191,000 |
| Harris County Texas | 3 | $ 337,000 | $ 112,000 | $ 70,000 |
| Hays County Texas | 3 | $ 504,000 | $ 168,000 | $ 92,000 |
| Kitsap County Washington | 3 | $ 915,000 | $ 305,000 | $ 241,000 |
| Pima County Arizona | 2 | $ 681,000 | $ 340,000 | $ 98,000 |
| Yuma County Arizona | 2 | $ 324,000 | $ 162,000 | $ 147,000 |
| Amador County California | 2 | $ 450,000 | $ 225,000 | $ 71,000 |
| Butte County California | 2 | $ 372,000 | $ 186,000 | $ 76,000 |
| Calaveras County California | 2 | $ 193,000 | $ 96,000 | $ 81,000 |
| Humboldt County California | 2 | $ 300,000 | $ 150,000 | $ 70,000 |
| Madera County California | 2 | $ 358,000 | $ 179,000 | $ 201,000 |
| Plumas County California | 2 | $ 715,000 | $ 357,000 | $ 207,000 |
| San Bernardino County California | 2 | $ 100,000 | $ 50,000 | $ 81,000 |
| Hillsborough County Florida | 2 | $ 376,000 | $ 188,000 | $ 52,000 |
| Indian River County Florida | 2 | $ 194,000 | $ 97,000 | $ 80,000 |
| Orange County Florida | 2 | $ 307,000 | $ 153,000 | $ 57,000 |
| Camden County Georgia | 2 | $ 370,000 | $ 185,000 | $ 198,000 |
| DeKalb County Georgia | 2 | $ 283,000 | $ 141,000 | $ 76,000 |
| Maui County Hawaii | 2 | $ 1,661,000 | $ 830,000 | $ 84,000 |
| Ada County Idaho | 2 | $ 378,000 | $ 189,000 | $ 77,000 |
| Cook County Illinois | 2 | $ 1,103,000 | $ 551,000 | $ 162,000 |
| Will County Illinois | 2 | $ 1,000,000 | $ 500,000 | $ 184,000 |
| Montgomery County Maryland | 2 | $ 948,000 | $ 474,000 | $ 123,000 |
| Middlesex County Massachusetts | 2 | $ 705,000 | $ 352,000 | $ 205,000 |
| Greene County Missouri | 2 | $ 100,000 | $ 50,000 | $ 126,000 |
| Bernalillo County New Mexico | 2 | $ 306,000 | $ 153,000 | $ 117,000 |
| Beckham County Oklahoma | 2 | $ 251,000 | $ 125,000 | $ 55,000 |
| Clackamas County Oregon | 2 | $ 764,000 | $ 382,000 | $ 145,000 |
| Jackson County Oregon | 2 | $ 325,000 | $ 162,000 | $ 55,000 |
| Collin County Texas | 2 | $ 722,000 | $ 361,000 | $ 129,000 |
| Kendall County Texas | 2 | $ 393,000 | $ 196,000 | $ 80,000 |
| Washington County Utah | 2 | $ 329,000 | $ 164,000 | $ 93,000 |
| Loudoun County Virginia | 2 | $ 925,000 | $ 462,000 | $ 132,000 |
| York County Virginia | 2 | $ 501,000 | $ 250,000 | $ 146,000 |
| Mobile County Alabama | 1 | $ 149,000 | $ 149,000 | $ 63,000 |
| Morgan County Alabama | 1 | $ 35,000 | $ 35,000 | $ 98,000 |
| Coconino County Arizona | 1 | $ 580,000 | $ 580,000 | $ 136,000 |
| Alpine County California | 1 | $ 55,000 | $ 55,000 | $ 311,000 |
| Colusa County California | 1 | $ 300,000 | $ 300,000 | $ 148,000 |
| Lake County California | 1 | $ 35,000 | $ 35,000 | $ 34,000 |
| Mariposa County California | 1 | $ 263,000 | $ 263,000 | $ 201,000 |
| Mendocino County California | 1 | $ 500,000 | $ 500,000 | $ 211,000 |
| Merced County California | 1 | $ 310,000 | $ 310,000 | $ 128,000 |
| Siskiyou County California | 1 | $ 445,000 | $ 445,000 | $ 211,000 |
| Sutter County California | 1 | $ 125,000 | $ 125,000 | $ 60,000 |
| Tehama County California | 1 | $ 50,000 | $ 50,000 | $ 120,000 |
| Adams County Colorado | 1 | $ 320,000 | $ 320,000 | $ 110,000 |
| Broomfield County Colorado | 1 | $ 215,000 | $ 215,000 | $ 73,000 |
| Jefferson County Colorado | 1 | $ 142,000 | $ 142,000 | $ 62,000 |
| Fairfield County Connecticut | 1 | $ 500,000 | $ 500,000 | $ 185,000 |
| New Haven County Connecticut | 1 | $ 444,000 | $ 444,000 | $ 152,000 |
| Brevard County Florida | 1 | $ 184,000 | $ 184,000 | $ 142,000 |
| Broward County Florida | 1 | $ 280,000 | $ 280,000 | $ 180,000 |
| Charlotte County Florida | 1 | $ 101,000 | $ 101,000 | $ 93,000 |
| Duval County Florida | 1 | $ 384,000 | $ 384,000 | $ 230,000 |
| Leon County Florida | 1 | $ 212,000 | $ 212,000 | $ 162,000 |
| Volusia County Florida | 1 | $ 155,000 | $ 155,000 | $ 176,000 |
| Forsyth County Georgia | 1 | $ 168,000 | $ 168,000 | $ 98,000 |
| Fulton County Georgia | 1 | $ 183,000 | $ 183,000 | $ 53,000 |
| Canyon County Idaho | 1 | $ 252,000 | $ 252,000 | $ 154,000 |
| Johnson County Kansas | 1 | $ 95,000 | $ 95,000 | $ 52,000 |
| Fulton County Kentucky | 1 | $ 44,000 | $ 44,000 | $ 152,000 |
| St. Tammany County Louisiana | 1 | $ 209,000 | $ 209,000 | $ 80,000 |
| Anne Arundel County Maryland | 1 | $ 115,000 | $ 115,000 | $ 29,000 |
| Garrett County Maryland | 1 | $ 305,000 | $ 305,000 | $ 129,000 |
| Harford County Maryland | 1 | $ 276,000 | $ 276,000 | $ 102,000 |
| Berkshire County Massachusetts | 1 | $ 276,000 | $ 276,000 | $ 126,000 |
| Plymouth County Massachusetts | 1 | $ 650,000 | $ 650,000 | $ 356,000 |
| Worcester County Massachusetts | 1 | $ 208,000 | $ 208,000 | $ 139,000 |
| Berrien County Michigan | 1 | $ 315,000 | $ 315,000 | $ 155,000 |
| Hillsdale County Michigan | 1 | $ 56,000 | $ 56,000 | $ 25,000 |
| Dakota County Minnesota | 1 | $ 188,000 | $ 188,000 | $ 75,000 |
| Hennepin County Minnesota | 1 | $ 232,000 | $ 232,000 | $ 131,000 |
| Jasper County Missouri | 1 | $ 70,000 | $ 70,000 | $ 203,000 |
| Newton County Missouri | 1 | $ 94,000 | $ 94,000 | $ 122,000 |
| Washington County Missouri | 1 | $ 32,000 | $ 32,000 | $ 24,000 |
| Ravalli County Montana | 1 | $ 352,000 | $ 352,000 | $ 283,000 |
| Elko County Nevada | 1 | $ 247,000 | $ 247,000 | $ 97,000 |
| Rockingham County New Hampshire | 1 | $ 276,000 | $ 276,000 | $ 118,000 |
| Monmouth County New Jersey | 1 | $ 595,000 | $ 595,000 | $ 223,000 |
| Curry County New Mexico | 1 | $ 98,000 | $ 98,000 | $ 136,000 |
| Dona Ana County New Mexico | 1 | $ 615,000 | $ 615,000 | $ 112,000 |
| New York County New York | 1 | $ 500,000 | $ 500,000 | $ 187,000 |
| Schenectady County New York | 1 | $ 178,000 | $ 178,000 | $ 119,000 |
| Westchester County New York | 1 | $ 200,000 | $ 200,000 | $ 135,000 |
| Franklin County Ohio | 1 | $ 52,000 | $ 52,000 | $ 83,000 |
| Stephens County Oklahoma | 1 | $ 112,000 | $ 112,000 | $ 87,000 |
| Baker County Oregon | 1 | $ 440,000 | $ 440,000 | $ 103,000 |
| Curry County Oregon | 1 | $ 236,000 | $ 236,000 | $ 123,000 |
| Josephine County Oregon | 1 | $ 215,000 | $ 215,000 | $ 73,000 |
| Klamath County Oregon | 1 | $ 417,000 | $ 417,000 | $ 314,000 |
| Lane County Oregon | 1 | $ 213,000 | $ 213,000 | $ 103,000 |
| Lincoln County Oregon | 1 | $ 400,000 | $ 400,000 | $ 120,000 |
| Marion County Oregon | 1 | $ 178,000 | $ 178,000 | $ 83,000 |
| Multnomah County Oregon | 1 | $ 616,000 | $ 616,000 | $ 210,000 |
| Washington County Oregon | 1 | $ 287,000 | $ 287,000 | $ 148,000 |
| Allegheny County Pennsylvania | 1 | $ 149,000 | $ 149,000 | $ 110,000 |
| Washington County Rhode Island | 1 | $ 400,000 | $ 400,000 | $ 120,000 |
| Oconee County South Carolina | 1 | $ 85,000 | $ 85,000 | $ 166,000 |
| Hardin County Tennessee | 1 | $ 200,000 | $ 200,000 | $ 83,000 |
| Bexar County Texas | 1 | $ 60,000 | $ 60,000 | $ 44,000 |
| Burnet County Texas | 1 | $ 72,000 | $ 72,000 | $ 35,000 |
| El Paso County Texas | 1 | $ 125,000 | $ 125,000 | $ 195,000 |
| Houston County Texas | 1 | $ 87,000 | $ 87,000 | $ 29,000 |
| Johnson County Texas | 1 | $ 90,000 | $ 90,000 | $ 87,000 |
| Montgomery County Texas | 1 | $ 50,000 | $ 50,000 | $ 37,000 |
| Tarrant County Texas | 1 | $ 115,000 | $ 115,000 | $ 381,000 |
| Albemarle County Virginia | 1 | $ 240,000 | $ 240,000 | $ 260,000 |
| Alexandria County Virginia | 1 | $ 152,000 | $ 152,000 | $ 77,000 |
| Cumberland County Virginia | 1 | $ 40,000 | $ 40,000 | $ 97,000 |
| Fairfax County Virginia | 1 | $ 457,000 | $ 457,000 | $ 126,000 |
| Falls Church County Virginia | 1 | $ 594,000 | $ 594,000 | $ 111,000 |
| Fauquier County Virginia | 1 | $ 230,000 | $ 230,000 | $ 118,000 |
| Prince William County Virginia | 1 | $ 103,000 | $ 103,000 | $ 47,000 |
| Jefferson County Washington | 1 | $ 235,000 | $ 235,000 | $ 100,000 |
| Pierce County Washington | 1 | $ 175,000 | $ 175,000 | $ 56,000 |
| Skagit County Washington | 1 | $ 100,000 | $ 100,000 | $ 29,000 |
| Spokane County Washington | 1 | $ 141,000 | $ 141,000 | $ 80,000 |
| Walla Walla County Washington | 1 | $ 220,000 | $ 220,000 | $ 62,000 |
| Whatcom County Washington | 1 | $ 198,000 | $ 198,000 | $ 40,000 |
| Cabell County West Virginia | 1 | $ 125,000 | $ 125,000 | $ 437,000 |
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 | 1,558 | $604,801,000 | $388,000 | $1,470,000 | $155,000 | $1,325,000 |
| Home Purchase | 973 | $431,354,000 | $443,000 | $2,000,000 | $150,000 | $1,682,000 |
| Home Improvement | 63 | $7,734,000 | $122,000 | $750,000 | $169,000 | $924,000 |
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 | 1,157 | $426,410,000 | $368,000 | $2,000,000 | $145,000 | $1,682,000 |
| Asian | 715 | $338,171,000 | $472,000 | $2,000,000 | $164,000 | $1,322,000 |
| Not Provided | 567 | $224,273,000 | $395,000 | $2,000,000 | $163,000 | $1,325,000 |
| Hispanic | 90 | $32,593,000 | $362,000 | $730,000 | $126,000 | $499,000 |
| Black or African American | 35 | $11,822,000 | $337,000 | $980,000 | $135,000 | $351,000 |
| Native Hawaiian or Other Pacific Islander | 18 | $6,353,000 | $352,000 | $664,000 | $142,000 | $237,000 |
| American Indian or Alaskan Native | 12 | $4,267,000 | $355,000 | $756,000 | $122,000 | $269,000 |
| 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) | 2,594 | $1,043,889,000 | $402,000 | $2,000,000 | $153,000 | $1,682,000 |
| 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 | 1,544 | $619,961,000 | $401,000 | $1,500,000 | $154,000 | $1,682,000 |
| Application Withdrawn By Applicant | 464 | $187,637,000 | $404,000 | $1,330,000 | $163,000 | $1,151,000 |
| Application Denied By Financial Institution | 238 | $84,694,000 | $355,000 | $1,290,000 | $125,000 | $941,000 |
| File Closed For Incompleteness | 201 | $87,260,000 | $434,000 | $2,000,000 | $160,000 | $618,000 |
| Application Approved But Not Accepted | 86 | $36,211,000 | $421,000 | $975,000 | $172,000 | $987,000 |
| Preapproval Approved but not Accepted | 54 | $25,291,000 | $468,000 | $1,000,000 | $138,000 | $416,000 |
| Preapproval Denied by Financial Institution | 7 | $2,835,000 | $405,000 | $700,000 | $137,000 | $360,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 70 | $27,964,000 | $399,000 | $861,000 | $109,000 | $941,000 |
| Collateral | 51 | $18,074,000 | $354,000 | $1,000,000 | $142,000 | $322,000 |
| Credit History | 35 | $12,145,000 | $347,000 | $824,000 | $121,000 | $360,000 |
| Other | 22 | $6,687,000 | $303,000 | $1,290,000 | $186,000 | $924,000 |
| Unverifiable Information | 4 | $2,270,000 | $567,000 | $700,000 | $106,000 | $150,000 |
| Mortgage Insurance Denied | 1 | $410,000 | $410,000 | $410,000 | $118,000 | $118,000 |
| Credit Application Incomplete | 1 | $240,000 | $240,000 | $240,000 | $95,000 | $95,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Star One Credit Union's 2008 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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