Star One Credit Union Mortgage Lending & HMDA Data, 2009

In 2009, Star One Credit Union of Sunnyvale, CA reported 3,243 mortgage applications totaling $1.3 billion, up 25% from 2008. The average application was for $393,389, and applicants reported an average income of $158,069. 49% of its applications resulted in an originated loan and 12% were denied. Its largest markets were San Jose-Sunnyvale-Santa Clara, CA (1,518), Oakland-Fremont-Hayward, CA (399) and San Francisco-San Mateo-Redwood City, CA (208) (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 2020  2019  2018  2017  2016  2015  2014  2013  2012  2011  2010  2009  2008  2007  2006  2005  2004  2003  
Total Number of Mortgage Applications 3,243
Total Mortgage Loan Application Amount $1,275,761,000
Average Mortgage Loan Application Amount $393,389
Highest Mortgage Loan Application Amount $1,800,000
Average Applicant Income $158,069
Highest Applicant Income $1,782,000

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(HMDA) records Star One Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2009

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 1,507 $ 656,981,000 $ 435,952 $ 169,000
Alameda, California 299 $ 120,818,000 $ 404,073 $ 159,000
San Mateo, California 148 $ 70,786,000 $ 478,283 $ 195,000
Contra Costa, California 100 $ 47,859,000 $ 478,590 $ 165,000
Santa Cruz, California 65 $ 25,290,000 $ 389,076 $ 161,000
San Francisco, California 55 $ 27,193,000 $ 494,418 $ 198,000
Los Angeles, California 31 $ 10,530,000 $ 339,677 $ 156,000
Placer, California 25 $ 5,516,000 $ 220,640 $ 106,000
Travis, Texas 25 $ 5,268,000 $ 210,720 $ 121,000
Orange, California 23 $ 8,550,000 $ 371,739 $ 159,000
Maricopa, Arizona 22 $ 4,150,000 $ 188,636 $ 161,000
Sacramento, California 22 $ 5,312,000 $ 241,454 $ 103,000
San Joaquin, California 19 $ 4,279,000 $ 225,210 $ 119,000
San Luis Obispo, California 17 $ 4,262,000 $ 250,705 $ 120,000
Sonoma, California 17 $ 5,348,000 $ 314,588 $ 153,000
Monterey, California 12 $ 3,956,000 $ 329,666 $ 163,000
San Diego, California 12 $ 3,876,000 $ 323,000 $ 126,000
Stanislaus, California 12 $ 1,271,000 $ 105,916 $ 113,000
Washoe, Nevada 12 $ 3,781,000 $ 315,083 $ 162,000
El Dorado, California 11 $ 2,970,000 $ 270,000 $ 116,000
San Benito, California 11 $ 2,931,000 $ 266,454 $ 108,000
Douglas, Colorado 11 $ 2,575,000 $ 234,090 $ 148,000
Nevada, California 10 $ 2,113,000 $ 211,300 $ 109,000
King, Washington 10 $ 3,113,000 $ 311,300 $ 131,000
Calaveras, California 9 $ 1,536,000 $ 170,666 $ 65,000
Yolo, California 8 $ 1,607,000 $ 200,875 $ 73,000
San Bernardino, California 7 $ 1,448,000 $ 206,857 $ 101,000
El Paso, Colorado 7 $ 1,931,000 $ 275,857 $ 143,000
Solano, California 6 $ 1,259,000 $ 209,833 $ 100,000
Ventura, California 6 $ 2,578,000 $ 429,666 $ 159,000
Jefferson, Colorado 6 $ 1,847,000 $ 307,833 $ 126,000
Brevard, Florida 6 $ 1,190,000 $ 198,333 $ 220,000
Clackamas, Oregon 6 $ 1,688,000 $ 281,333 $ 164,000
Williamson, Texas 6 $ 1,002,000 $ 167,000 $ 85,000
Fresno, California 5 $ 1,302,000 $ 260,400 $ 85,000
Marin, California 5 $ 3,470,000 $ 694,000 $ 259,000
Riverside, California 5 $ 974,000 $ 194,800 $ 141,000
Bernalillo, New Mexico 5 $ 1,275,000 $ 255,000 $ 187,000
Salt Lake, Utah 5 $ 793,000 $ 158,600 $ 88,000
Fairfax, Virginia 5 $ 2,398,000 $ 479,600 $ 275,000
Clark, Washington 5 $ 734,000 $ 146,800 $ 83,000
Pima, Arizona 4 $ 665,000 $ 166,250 $ 89,000
Butte, California 4 $ 646,000 $ 161,500 $ 89,000
Santa Barbara, California 4 $ 556,000 $ 139,000 $ 85,000
Shasta, California 4 $ 534,000 $ 133,500 $ 100,000
Montgomery, Maryland 4 $ 1,266,000 $ 316,500 $ 144,000
Middlesex, Massachusetts 4 $ 2,118,000 $ 529,500 $ 294,000
Hays, Texas 4 $ 777,000 $ 194,250 $ 97,000
Kitsap, Washington 4 $ 1,272,000 $ 318,000 $ 117,000
Yavapai, Arizona 3 $ 1,415,000 $ 471,666 $ 102,000
Kern, California 3 $ 853,000 $ 284,333 $ 120,000
Madera, California 3 $ 589,000 $ 196,333 $ 104,000
Mendocino, California 3 $ 423,000 $ 141,000 $ 35,000
Merced, California 3 $ 291,000 $ 97,000 $ 61,000
Napa, California 3 $ 1,171,000 $ 390,333 $ 106,000
Plumas, California 3 $ 593,000 $ 197,666 $ 78,000
Tulare, California 3 $ 957,000 $ 319,000 $ 104,000
Tuolumne, California 3 $ 928,000 $ 309,333 $ 85,000
Broomfield, Colorado 3 $ 871,000 $ 290,333 $ 101,000
Larimer, Colorado 3 $ 539,000 $ 179,666 $ 201,000
Clark, Nevada 3 $ 678,000 $ 226,000 $ 93,000
Lyon, Nevada 3 $ 369,000 $ 123,000 $ 49,000
Dona Ana, New Mexico 3 $ 1,090,000 $ 363,333 $ 118,000
Lane, Oregon 3 $ 599,000 $ 199,666 $ 108,000
Bastrop, Texas 3 $ 618,000 $ 206,000 $ 112,000
Harris, Texas 3 $ 326,000 $ 108,666 $ 190,000
Madison, Alabama 2 $ 281,000 $ 140,500 $ 103,000
Mobile, Alabama 2 $ 293,000 $ 146,500 $ 111,000
Garland, Arkansas 2 $ 126,000 $ 63,000 $ 165,000
Adams, Colorado 2 $ 449,000 $ 224,500 $ 110,000
Denver, Colorado 2 $ 329,000 $ 164,500 $ 106,000
Bay, Florida 2 $ 394,000 $ 197,000 $ 129,000
Manatee, Florida 2 $ 246,000 $ 123,000 $ 69,000
Pasco, Florida 2 $ 394,000 $ 197,000 $ 125,000
Camden, Georgia 2 $ 259,000 $ 129,500 $ 52,000
Fulton, Georgia 2 $ 504,000 $ 252,000 $ 95,000
Hawaii, Hawaii 2 $ 525,000 $ 262,500 $ 62,000
Honolulu, Hawaii 2 $ 675,000 $ 337,500 $ 103,000
Kauai, Hawaii 2 $ 752,000 $ 376,000 $ 211,000
Ada, Idaho 2 $ 525,000 $ 262,500 $ 55,000
Kent, Michigan 2 $ 46,000 $ 23,000 $ 211,000
Carson City, Nevada 2 $ 442,000 $ 221,000 $ 507,000
Douglas, Nevada 2 $ 269,000 $ 134,500 $ 67,000
Mercer, New Jersey 2 $ 412,000 $ 206,000 $ 184,000
Mecklenburg, North Carolina 2 $ 446,000 $ 223,000 $ 127,000
Orange, North Carolina 2 $ 296,000 $ 148,000 $ 53,000
Jackson, Oregon 2 $ 583,000 $ 291,500 $ 117,000
Josephine, Oregon 2 $ 752,000 $ 376,000 $ 113,000
Multnomah, Oregon 2 $ 666,000 $ 333,000 $ 112,000
Shelby, Tennessee 2 $ 495,000 $ 247,500 $ 80,000
Cameron, Texas 2 $ 116,000 $ 58,000 $ 33,000
Collin, Texas 2 $ 473,000 $ 236,500 $ 108,000
Galveston, Texas 2 $ 428,000 $ 214,000 $ 93,000
McLennan, Texas 2 $ 216,000 $ 108,000 $ 67,000
Loudoun, Virginia 2 $ 968,000 $ 484,000 $ 235,000
Prince William, Virginia 2 $ 538,000 $ 269,000 $ 127,000
Pierce, Washington 2 $ 417,000 $ 208,500 $ 97,000
Snohomish, Washington 2 $ 845,000 $ 422,500 $ 98,000
Houston, Alabama 1 $ 197,000 $ 197,000 $ 130,000
Morgan, Alabama 1 $ 75,000 $ 75,000 $ 55,000
Drew, Arkansas 1 $ 21,000 $ 21,000 $ 30,000
Glenn, California 1 $ 202,000 $ 202,000 $ 73,000
Lake, California 1 $ 234,000 $ 234,000 $ 120,000
Mariposa, California 1 $ 189,000 $ 189,000 $ 52,000
Mono, California 1 $ 220,000 $ 220,000 $ 31,000
Sutter, California 1 $ 91,000 $ 91,000 $ 50,000
Tehama, California 1 $ 319,000 $ 319,000 $ 84,000
Arapahoe, Colorado 1 $ 240,000 $ 240,000 $ 89,000
Elbert, Colorado 1 $ 230,000 $ 230,000 $ 52,000
Pitkin, Colorado 1 $ 520,000 $ 520,000 $ 95,000
Fairfield, Connecticut 1 $ 483,000 $ 483,000 $ 213,000
Litchfield, Connecticut 1 $ 289,000 $ 289,000 $ 135,000
District of Columbia, District Of Columbia 1 $ 610,000 $ 610,000 $ 744,000
Broward, Florida 1 $ 207,000 $ 207,000 $ 160,000
Charlotte, Florida 1 $ 325,000 $ 325,000 $ 237,000
Duval, Florida 1 $ 172,000 $ 172,000 $ 139,000
Indian River, Florida 1 $ 210,000 $ 210,000 $ 176,000
Leon, Florida 1 $ 200,000 $ 200,000 $ 124,000
Okaloosa, Florida 1 $ 145,000 $ 145,000 $ 124,000
Orange, Florida 1 $ 87,000 $ 87,000 $ 96,000
Sumter, Florida 1 $ 200,000 $ 200,000 $ 174,000
Oconee, Georgia 1 $ 203,000 $ 203,000 $ 84,000
Boise, Idaho 1 $ 97,000 $ 97,000 $ 47,000
Custer, Idaho 1 $ 179,000 $ 179,000 $ 212,000
Twin Falls, Idaho 1 $ 167,000 $ 167,000 $ 77,000
Cook, Illinois 1 $ 253,000 $ 253,000 $ 109,000
Lake, Illinois 1 $ 222,000 $ 222,000 $ 220,000
Ogle, Illinois 1 $ 72,000 $ 72,000 $ 53,000
Allen, Indiana 1 $ 205,000 $ 205,000 $ 536,000
Orleans, Louisiana 1 $ 355,000 $ 355,000 $ 365,000
Tangipahoa, Louisiana 1 $ 106,000 $ 106,000 $ 698,000
Anne Arundel, Maryland 1 $ 232,000 $ 232,000 $ 98,000
Baltimore City, Maryland 1 $ 360,000 $ 360,000 $ 200,000
Howard, Maryland 1 $ 234,000 $ 234,000 $ 88,000
Prince George's, Maryland 1 $ 285,000 $ 285,000 $ 170,000
Talbot, Maryland 1 $ 200,000 $ 200,000 $ 735,000
Gallatin, Montana 1 $ 417,000 $ 417,000 $ 532,000
Ravalli, Montana 1 $ 39,000 $ 39,000 $ 39,000
Hillsborough, New Hampshire 1 $ 239,000 $ 239,000 $ 110,000
Rockingham, New Hampshire 1 $ 176,000 $ 176,000 $ 76,000
Burlington, New Jersey 1 $ 152,000 $ 152,000 $ 106,000
Ocean, New Jersey 1 $ 261,000 $ 261,000 $ 216,000
Los Alamos, New Mexico 1 $ 417,000 $ 417,000 $ 149,000
Valencia, New Mexico 1 $ 76,000 $ 76,000 $ 101,000
Henderson, North Carolina 1 $ 160,000 $ 160,000 $ 112,000
Logan, Ohio 1 $ 94,000 $ 94,000 $ 38,000
Tulsa, Oklahoma 1 $ 78,000 $ 78,000 $ 115,000
Columbia, Oregon 1 $ 95,000 $ 95,000 $ 26,000
Deschutes, Oregon 1 $ 110,000 $ 110,000 $ 153,000
Klamath, Oregon 1 $ 403,000 $ 403,000 $ 329,000
Tillamook, Oregon 1 $ 275,000 $ 275,000 $ 62,000
Washington, Oregon 1 $ 249,000 $ 249,000 $ 146,000
Yamhill, Oregon 1 $ 226,000 $ 226,000 $ 271,000
Berks, Pennsylvania 1 $ 54,000 $ 54,000 $ 55,000
Bucks, Pennsylvania 1 $ 282,000 $ 282,000 $ 105,000
Chester, Pennsylvania 1 $ 126,000 $ 126,000 $ 83,000
Westmoreland, Pennsylvania 1 $ 331,000 $ 331,000 $ 110,000
Greenville, South Carolina 1 $ 113,000 $ 113,000 $ 48,000
Davidson, Tennessee 1 $ 100,000 $ 100,000 $ 44,000
Williamson, Tennessee 1 $ 1,134,000 $ 1,134,000 $ 698,000
Brazos, Texas 1 $ 140,000 $ 140,000 $ 390,000
Burnet, Texas 1 $ 127,000 $ 127,000 $ 84,000
Caldwell, Texas 1 $ 92,000 $ 92,000 $ 57,000
Denton, Texas 1 $ 147,000 $ 147,000 $ 161,000
El Paso, Texas 1 $ 59,000 $ 59,000 $ 142,000
Fort Bend, Texas 1 $ 198,000 $ 198,000 $ 68,000
Tarrant, Texas 1 $ 161,000 $ 161,000 $ 57,000
Utah, Utah 1 $ 320,000 $ 320,000 $ 93,000
Wasatch, Utah 1 $ 37,000 $ 37,000 $ 39,000
Washington, Utah 1 $ 159,000 $ 159,000 $ 45,000
Radford, Virginia 1 $ 107,000 $ 107,000 $ 80,000
Benton, Washington 1 $ 200,000 $ 200,000 $ 152,000
Douglas, Washington 1 $ 260,000 $ 260,000 $ 125,000
Jefferson, Washington 1 $ 275,000 $ 275,000 $ 68,000
Walla Walla, Washington 1 $ 252,000 $ 252,000 $ 69,000

Mortgage Loan Application Detail Totals for Star One Credit Union in 2009

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 2,375 $946,862,000 $398,000 $1,800,000 $162,000 $1,782,000
Home Purchase 857 $327,298,000 $381,000 $1,225,000 $147,000 $1,782,000
Home Improvement 11 $1,601,000 $145,000 $350,000 $172,000 $390,000

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 1,438 $529,351,000 $368,000 $1,385,000 $154,000 $1,151,000
Not Provided 861 $333,607,000 $387,000 $1,650,000 $160,000 $1,782,000
Asian 764 $352,041,000 $460,000 $1,800,000 $170,000 $1,782,000
Hispanic 125 $43,049,000 $344,000 $946,000 $138,000 $1,622,000
Black or African American 28 $8,365,000 $298,000 $584,000 $128,000 $325,000
Native Hawaiian or Other Pacific Islander 15 $5,296,000 $353,000 $697,000 $131,000 $235,000
American Indian or Alaskan Native 12 $4,052,000 $337,000 $549,000 $121,000 $255,000
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) 3,243 $1,275,761,000 $393,000 $1,800,000 $158,000 $1,782,000
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 1,589 $609,878,000 $383,000 $1,225,000 $160,000 $1,782,000
Application Withdrawn By Applicant 915 $373,969,000 $408,000 $1,800,000 $165,000 $1,151,000
Application Denied By Financial Institution 402 $155,165,000 $385,000 $1,650,000 $141,000 $1,001,000
File Closed For Incompleteness 231 $95,460,000 $413,000 $1,183,000 $159,000 $651,000
Preapproval Approved but not Accepted 62 $24,669,000 $397,000 $900,000 $135,000 $354,000
Application Approved But Not Accepted 44 $16,620,000 $377,000 $1,000,000 $164,000 $819,000
Preapproval Denied by Financial Institution 0 $0 $0 $0 $0 $0
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
Collateral 174 $82,046,000 $471,000 $1,375,000 $160,000 $482,000
Debt-To-Income Ratio 96 $35,322,000 $367,000 $1,650,000 $91,000 $294,000
Other 39 $14,256,000 $365,000 $1,182,000 $142,000 $329,000
Credit History 21 $4,537,000 $216,000 $428,000 $99,000 $232,000
Unverifiable Information 9 $3,307,000 $367,000 $903,000 $115,000 $360,000
Employment History 4 $1,850,000 $462,000 $595,000 $145,000 $175,000
Credit Application Incomplete 1 $228,000 $228,000 $228,000 $113,000 $113,000
Insufficient Cash (Downpayment, Closing Cost) 0 $0 $0 $0 $0 $0
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Star One Credit Union's 2009 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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