Star One Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2010
Star One Credit Union 2010 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 | 2,895 |
| Total Mortgage Loan Application Amount | $1,095,416,000 |
| Average Mortgage Loan Application Amount | $290,333 |
| Highest Mortgage Loan Application Amount | $2,000,000 |
| Average Applicant Income | $162,333 |
| Highest Applicant Income | $2,023,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2010 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 2010 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 2010.
| 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 | 1,384 | $ 571,565,000 | $ 412,000 | $ 171,000 |
| Alameda County California | 208 | $ 80,404,000 | $ 386,000 | $ 165,000 |
| San Mateo County California | 149 | $ 73,487,000 | $ 493,000 | $ 203,000 |
| Contra Costa County California | 86 | $ 38,623,000 | $ 449,000 | $ 169,000 |
| Santa Cruz County California | 66 | $ 22,031,000 | $ 333,000 | $ 142,000 |
| San Francisco County California | 34 | $ 15,960,000 | $ 469,000 | $ 267,000 |
| San Joaquin County California | 30 | $ 6,338,000 | $ 211,000 | $ 109,000 |
| Placer County California | 29 | $ 6,814,000 | $ 234,000 | $ 138,000 |
| San Diego County California | 26 | $ 9,897,000 | $ 380,000 | $ 180,000 |
| Sacramento County California | 22 | $ 4,612,000 | $ 209,000 | $ 126,000 |
| Travis County Texas | 21 | $ 4,819,000 | $ 229,000 | $ 141,000 |
| San Luis Obispo County California | 20 | $ 6,594,000 | $ 329,000 | $ 146,000 |
| El Dorado County California | 19 | $ 3,663,000 | $ 192,000 | $ 143,000 |
| Los Angeles County California | 17 | $ 6,977,000 | $ 410,000 | $ 132,000 |
| Sonoma County California | 16 | $ 4,714,000 | $ 294,000 | $ 113,000 |
| Douglas County Colorado | 15 | $ 3,948,000 | $ 263,000 | $ 140,000 |
| Nevada County California | 14 | $ 2,755,000 | $ 196,000 | $ 180,000 |
| Orange County California | 12 | $ 3,659,000 | $ 304,000 | $ 99,000 |
| Maricopa County Arizona | 10 | $ 1,921,000 | $ 192,000 | $ 128,000 |
| Washoe County Nevada | 9 | $ 1,996,000 | $ 221,000 | $ 199,000 |
| Fresno County California | 8 | $ 945,000 | $ 118,000 | $ 100,000 |
| Monterey County California | 7 | $ 3,078,000 | $ 439,000 | $ 135,000 |
| San Benito County California | 7 | $ 2,101,000 | $ 300,000 | $ 118,000 |
| Calaveras County California | 6 | $ 1,130,000 | $ 188,000 | $ 126,000 |
| Riverside County California | 6 | $ 1,482,000 | $ 247,000 | $ 152,000 |
| Santa Barbara County California | 6 | $ 2,045,000 | $ 340,000 | $ 120,000 |
| Stanislaus County California | 6 | $ 1,002,000 | $ 167,000 | $ 136,000 |
| Boulder County Colorado | 6 | $ 1,634,000 | $ 272,000 | $ 150,000 |
| Arapahoe County Colorado | 5 | $ 1,492,000 | $ 298,000 | $ 133,000 |
| El Paso County Colorado | 5 | $ 3,274,000 | $ 654,000 | $ 237,000 |
| Jefferson County Colorado | 5 | $ 1,659,000 | $ 331,000 | $ 180,000 |
| Harris County Texas | 5 | $ 498,000 | $ 99,000 | $ 99,000 |
| Williamson County Texas | 5 | $ 807,000 | $ 161,000 | $ 130,000 |
| Clark County Washington | 5 | $ 610,000 | $ 122,000 | $ 69,000 |
| King County Washington | 5 | $ 1,523,000 | $ 304,000 | $ 117,000 |
| Solano County California | 4 | $ 624,000 | $ 156,000 | $ 109,000 |
| Tuolumne County California | 4 | $ 800,000 | $ 200,000 | $ 83,000 |
| Ventura County California | 4 | $ 956,000 | $ 239,000 | $ 122,000 |
| Kent County Michigan | 4 | $ 120,000 | $ 30,000 | $ 214,000 |
| Hays County Texas | 4 | $ 776,000 | $ 194,000 | $ 146,000 |
| Pima County Arizona | 3 | $ 402,000 | $ 134,000 | $ 77,000 |
| Yavapai County Arizona | 3 | $ 1,098,000 | $ 366,000 | $ 162,000 |
| Garland County Arkansas | 3 | $ 303,000 | $ 101,000 | $ 117,000 |
| Madera County California | 3 | $ 452,000 | $ 150,000 | $ 96,000 |
| Mendocino County California | 3 | $ 822,000 | $ 274,000 | $ 166,000 |
| Plumas County California | 3 | $ 276,000 | $ 92,000 | $ 66,000 |
| Yuba County California | 3 | $ 367,000 | $ 122,000 | $ 72,000 |
| Palm Beach County Florida | 3 | $ 768,000 | $ 256,000 | $ 95,000 |
| Fulton County Georgia | 3 | $ 769,000 | $ 256,000 | $ 117,000 |
| Anne Arundel County Maryland | 3 | $ 655,000 | $ 218,000 | $ 133,000 |
| Middlesex County Massachusetts | 3 | $ 1,382,000 | $ 460,000 | $ 180,000 |
| Bernalillo County New Mexico | 3 | $ 315,000 | $ 105,000 | $ 140,000 |
| Dona Ana County New Mexico | 3 | $ 436,000 | $ 145,000 | $ 99,000 |
| Sandoval County New Mexico | 3 | $ 319,000 | $ 106,000 | $ 111,000 |
| Santa Fe County New Mexico | 3 | $ 597,000 | $ 199,000 | $ 174,000 |
| Bucks County Pennsylvania | 3 | $ 554,000 | $ 184,000 | $ 128,000 |
| Bexar County Texas | 3 | $ 321,000 | $ 107,000 | $ 82,000 |
| Galveston County Texas | 3 | $ 683,000 | $ 227,000 | $ 72,000 |
| Fairfax County Virginia | 3 | $ 1,353,000 | $ 451,000 | $ 159,000 |
| Prince William County Virginia | 3 | $ 746,000 | $ 248,000 | $ 96,000 |
| Madison County Alabama | 2 | $ 626,000 | $ 313,000 | $ 108,000 |
| Mobile County Alabama | 2 | $ 182,000 | $ 91,000 | $ 154,000 |
| Humboldt County California | 2 | $ 630,000 | $ 315,000 | $ 105,000 |
| Kern County California | 2 | $ 834,000 | $ 417,000 | $ 160,000 |
| Marin County California | 2 | $ 986,000 | $ 493,000 | $ 148,000 |
| Merced County California | 2 | $ 238,000 | $ 119,000 | $ 200,000 |
| Shasta County California | 2 | $ 323,000 | $ 161,000 | $ 138,000 |
| Larimer County Colorado | 2 | $ 271,000 | $ 135,000 | $ 34,000 |
| Orange County Florida | 2 | $ 537,000 | $ 268,000 | $ 70,000 |
| Hancock County Indiana | 2 | $ 243,000 | $ 121,000 | $ 39,000 |
| East Baton Rouge County Louisiana | 2 | $ 569,000 | $ 284,000 | $ 150,000 |
| Howard County Maryland | 2 | $ 612,000 | $ 306,000 | $ 107,000 |
| Prince George's County Maryland | 2 | $ 247,000 | $ 123,000 | $ 52,000 |
| Scott County Minnesota | 2 | $ 679,000 | $ 339,000 | $ 123,000 |
| Clark County Nevada | 2 | $ 224,000 | $ 112,000 | $ 252,000 |
| Douglas County Nevada | 2 | $ 553,000 | $ 276,000 | $ 57,000 |
| Lyon County Nevada | 2 | $ 534,000 | $ 267,000 | $ 69,000 |
| Hillsborough County New Hampshire | 2 | $ 430,000 | $ 215,000 | $ 173,000 |
| Clackamas County Oregon | 2 | $ 790,000 | $ 395,000 | $ 114,000 |
| Deschutes County Oregon | 2 | $ 454,000 | $ 227,000 | $ 103,000 |
| Comal County Texas | 2 | $ 308,000 | $ 154,000 | $ 388,000 |
| Dallas County Texas | 2 | $ 276,000 | $ 138,000 | $ 87,000 |
| Salt Lake County Utah | 2 | $ 358,000 | $ 179,000 | $ 63,000 |
| Alexandria County Virginia | 2 | $ 976,000 | $ 488,000 | $ 113,000 |
| Arlington County Virginia | 2 | $ 976,000 | $ 488,000 | $ 126,000 |
| Kitsap County Washington | 2 | $ 542,000 | $ 271,000 | $ 98,000 |
| Grant County Wisconsin | 2 | $ 240,000 | $ 120,000 | $ 90,000 |
| Morgan County Alabama | 1 | $ 73,000 | $ 73,000 | $ 63,000 |
| Anchorage County Alaska | 1 | $ 107,000 | $ 107,000 | $ 50,000 |
| Alpine County California | 1 | $ 200,000 | $ 200,000 | $ 186,000 |
| Butte County California | 1 | $ 157,000 | $ 157,000 | $ 140,000 |
| Del Norte County California | 1 | $ 183,000 | $ 183,000 | $ 67,000 |
| Glenn County California | 1 | $ 250,000 | $ 250,000 | $ 69,000 |
| Lake County California | 1 | $ 505,000 | $ 505,000 | $ 1,762,000 |
| Lassen County California | 1 | $ 40,000 | $ 40,000 | $ 16,000 |
| Napa County California | 1 | $ 136,000 | $ 136,000 | $ 104,000 |
| San Bernardino County California | 1 | $ 45,000 | $ 45,000 | $ 83,000 |
| Siskiyou County California | 1 | $ 380,000 | $ 380,000 | $ 245,000 |
| Sutter County California | 1 | $ 250,000 | $ 250,000 | $ 36,000 |
| Chaffee County Colorado | 1 | $ 194,000 | $ 194,000 | $ 139,000 |
| Custer County Colorado | 1 | $ 162,000 | $ 162,000 | $ 36,000 |
| Mesa County Colorado | 1 | $ 57,000 | $ 57,000 | $ 117,000 |
| Brevard County Florida | 1 | $ 200,000 | $ 200,000 | $ 148,000 |
| Duval County Florida | 1 | $ 497,000 | $ 497,000 | $ 110,000 |
| Seminole County Florida | 1 | $ 182,000 | $ 182,000 | $ 114,000 |
| St. Lucie County Florida | 1 | $ 43,000 | $ 43,000 | $ 107,000 |
| Volusia County Florida | 1 | $ 49,000 | $ 49,000 | $ 181,000 |
| Oconee County Georgia | 1 | $ 184,000 | $ 184,000 | $ 103,000 |
| Hawaii County Hawaii | 1 | $ 265,000 | $ 265,000 | $ 62,000 |
| Maui County Hawaii | 1 | $ 249,000 | $ 249,000 | $ 524,000 |
| Canyon County Idaho | 1 | $ 130,000 | $ 130,000 | $ 0 |
| Custer County Idaho | 1 | $ 177,000 | $ 177,000 | $ 151,000 |
| Shoshone County Idaho | 1 | $ 65,000 | $ 65,000 | $ 122,000 |
| Cook County Illinois | 1 | $ 251,000 | $ 251,000 | $ 96,000 |
| Ogle County Illinois | 1 | $ 78,000 | $ 78,000 | $ 56,000 |
| Will County Illinois | 1 | $ 230,000 | $ 230,000 | $ 230,000 |
| Dallas County Iowa | 1 | $ 290,000 | $ 290,000 | $ 174,000 |
| Johnson County Kansas | 1 | $ 110,000 | $ 110,000 | $ 60,000 |
| Sedgwick County Kansas | 1 | $ 71,000 | $ 71,000 | $ 152,000 |
| Franklin County Kentucky | 1 | $ 152,000 | $ 152,000 | $ 117,000 |
| Fulton County Kentucky | 1 | $ 137,000 | $ 137,000 | $ 66,000 |
| Bay County Michigan | 1 | $ 91,000 | $ 91,000 | $ 38,000 |
| Anoka County Minnesota | 1 | $ 86,000 | $ 86,000 | $ 100,000 |
| Clearwater County Minnesota | 1 | $ 60,000 | $ 60,000 | $ 16,000 |
| Newton County Missouri | 1 | $ 350,000 | $ 350,000 | $ 83,000 |
| Gallatin County Montana | 1 | $ 275,000 | $ 275,000 | $ 150,000 |
| Lewis and Clark County Montana | 1 | $ 116,000 | $ 116,000 | $ 79,000 |
| Sanders County Montana | 1 | $ 229,000 | $ 229,000 | $ 32,000 |
| Burlington County New Jersey | 1 | $ 147,000 | $ 147,000 | $ 135,000 |
| Mercer County New Jersey | 1 | $ 383,000 | $ 383,000 | $ 139,000 |
| Curry County New Mexico | 1 | $ 32,000 | $ 32,000 | $ 138,000 |
| Socorro County New Mexico | 1 | $ 221,000 | $ 221,000 | $ 45,000 |
| Taos County New Mexico | 1 | $ 315,000 | $ 315,000 | $ 171,000 |
| Nassau County New York | 1 | $ 390,000 | $ 390,000 | $ 75,000 |
| Onondaga County New York | 1 | $ 256,000 | $ 256,000 | $ 205,000 |
| Orange County New York | 1 | $ 265,000 | $ 265,000 | $ 75,000 |
| Steuben County New York | 1 | $ 95,000 | $ 95,000 | $ 124,000 |
| Brunswick County North Carolina | 1 | $ 88,000 | $ 88,000 | $ 29,000 |
| Chatham County North Carolina | 1 | $ 450,000 | $ 450,000 | $ 112,000 |
| Wake County North Carolina | 1 | $ 208,000 | $ 208,000 | $ 105,000 |
| Geauga County Ohio | 1 | $ 245,000 | $ 245,000 | $ 107,000 |
| Jackson County Oregon | 1 | $ 198,000 | $ 198,000 | $ 78,000 |
| Klamath County Oregon | 1 | $ 78,000 | $ 78,000 | $ 63,000 |
| Polk County Oregon | 1 | $ 233,000 | $ 233,000 | $ 52,000 |
| Washington County Oregon | 1 | $ 179,000 | $ 179,000 | $ 99,000 |
| Chester County Pennsylvania | 1 | $ 208,000 | $ 208,000 | $ 228,000 |
| Delaware County Pennsylvania | 1 | $ 555,000 | $ 555,000 | $ 142,000 |
| Westmoreland County Pennsylvania | 1 | $ 321,000 | $ 321,000 | $ 136,000 |
| Knox County Tennessee | 1 | $ 325,000 | $ 325,000 | $ 178,000 |
| Shelby County Tennessee | 1 | $ 534,000 | $ 534,000 | $ 107,000 |
| Brazos County Texas | 1 | $ 150,000 | $ 150,000 | $ 228,000 |
| Burnet County Texas | 1 | $ 75,000 | $ 75,000 | $ 59,000 |
| Collin County Texas | 1 | $ 126,000 | $ 126,000 | $ 108,000 |
| Fort Bend County Texas | 1 | $ 415,000 | $ 415,000 | $ 140,000 |
| Gonzales County Texas | 1 | $ 136,000 | $ 136,000 | $ 58,000 |
| Kendall County Texas | 1 | $ 302,000 | $ 302,000 | $ 75,000 |
| Montgomery County Texas | 1 | $ 320,000 | $ 320,000 | $ 100,000 |
| Nueces County Texas | 1 | $ 131,000 | $ 131,000 | $ 50,000 |
| Taylor County Texas | 1 | $ 104,000 | $ 104,000 | $ 34,000 |
| Rich County Utah | 1 | $ 438,000 | $ 438,000 | $ 168,000 |
| Utah County Utah | 1 | $ 315,000 | $ 315,000 | $ 60,000 |
| Fairfax City County Virginia | 1 | $ 100,000 | $ 100,000 | $ 192,000 |
| James City County Virginia | 1 | $ 169,000 | $ 169,000 | $ 87,000 |
| Loudoun County Virginia | 1 | $ 511,000 | $ 511,000 | $ 190,000 |
| Virginia Beach County Virginia | 1 | $ 300,000 | $ 300,000 | $ 243,000 |
| Douglas County Washington | 1 | $ 260,000 | $ 260,000 | $ 52,000 |
| Mason County Washington | 1 | $ 225,000 | $ 225,000 | $ 75,000 |
| Pacific County Washington | 1 | $ 232,000 | $ 232,000 | $ 57,000 |
| Snohomish County Washington | 1 | $ 75,000 | $ 75,000 | $ 57,000 |
| Spokane County Washington | 1 | $ 230,000 | $ 230,000 | $ 222,000 |
Mortgage Loan Application Detail Totals for Star One Credit Union in 2010
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 | 2,087 | $797,179,000 | $381,000 | $2,000,000 | $166,000 | $2,023,000 |
| Home Purchase | 802 | $297,513,000 | $370,000 | $1,330,000 | $152,000 | $1,302,000 |
| Home Improvement | 6 | $724,000 | $120,000 | $350,000 | $169,000 | $292,000 |
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 | 1,218 | $436,149,000 | $358,000 | $2,000,000 | $161,000 | $1,762,000 |
| Not Provided | 859 | $324,497,000 | $377,000 | $1,230,000 | $167,000 | $2,023,000 |
| Asian | 657 | $284,998,000 | $433,000 | $1,390,000 | $166,000 | $764,000 |
| Hispanic | 111 | $34,632,000 | $312,000 | $800,000 | $132,000 | $341,000 |
| Black or African American | 25 | $6,202,000 | $248,000 | $597,000 | $104,000 | $210,000 |
| Native Hawaiian or Other Pacific Islander | 17 | $6,456,000 | $379,000 | $682,000 | $134,000 | $296,000 |
| American Indian or Alaskan Native | 8 | $2,482,000 | $310,000 | $516,000 | $108,000 | $158,000 |
| 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) | 2,895 | $1,095,416,000 | $378,000 | $2,000,000 | $162,000 | $2,023,000 |
| 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 | 1,324 | $500,239,000 | $377,000 | $1,390,000 | $164,000 | $2,023,000 |
| Application Withdrawn By Applicant | 835 | $310,078,000 | $371,000 | $1,330,000 | $169,000 | $1,722,000 |
| File Closed For Incompleteness | 429 | $163,690,000 | $381,000 | $1,190,000 | $155,000 | $1,052,000 |
| Application Denied By Financial Institution | 261 | $106,046,000 | $406,000 | $2,000,000 | $144,000 | $1,762,000 |
| Preapproval Denied by Financial Institution | 37 | $12,022,000 | $324,000 | $900,000 | $105,000 | $283,000 |
| Application Approved But Not Accepted | 9 | $3,341,000 | $371,000 | $1,025,000 | $192,000 | $360,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 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 | 116 | $49,282,000 | $424,000 | $2,000,000 | $95,000 | $524,000 |
| Collateral | 94 | $37,508,000 | $399,000 | $1,000,000 | $192,000 | $1,762,000 |
| Credit History | 39 | $14,180,000 | $363,000 | $1,000,000 | $150,000 | $608,000 |
| Other | 21 | $8,522,000 | $405,000 | $1,000,000 | $159,000 | $352,000 |
| Unverifiable Information | 11 | $3,331,000 | $302,000 | $665,000 | $95,000 | $237,000 |
| Employment History | 2 | $823,000 | $411,000 | $708,000 | $117,000 | $126,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 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 2010 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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