Star One Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2009

Star One Credit Union 2009 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 3,243
Total Mortgage Loan Application Amount $1,275,761,000
Average Mortgage Loan Application Amount $308,000
Highest Mortgage Loan Application Amount $1,800,000
Average Applicant Income $160,333
Highest Applicant Income $1,782,000

Explore comprehensive HMDA mortgage statistics and lending trends for 2009 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 2009 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 2009.

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