Star One Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2012
Star One Credit Union 2012 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 | 2,716 |
| Total Mortgage Loan Application Amount | $991,692,000 |
| Average Mortgage Loan Application Amount | $361,333 |
| Highest Mortgage Loan Application Amount | $1,659,000 |
| Average Applicant Income | $155,333 |
| Highest Applicant Income | $2,404,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2012 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 2012 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 2012.
| 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 | 1,345 | $ 507,766,000 | $ 377,000 | $ 158,000 |
| Alameda County California | 190 | $ 68,138,000 | $ 358,000 | $ 159,000 |
| San Mateo County California | 123 | $ 57,289,000 | $ 465,000 | $ 196,000 |
| Contra Costa County California | 69 | $ 27,894,000 | $ 404,000 | $ 195,000 |
| Santa Cruz County California | 64 | $ 20,466,000 | $ 319,000 | $ 145,000 |
| San Francisco County California | 45 | $ 20,969,000 | $ 465,000 | $ 208,000 |
| Los Angeles County California | 27 | $ 10,705,000 | $ 396,000 | $ 157,000 |
| Orange County California | 21 | $ 7,713,000 | $ 367,000 | $ 191,000 |
| El Dorado County California | 18 | $ 5,150,000 | $ 286,000 | $ 154,000 |
| San Joaquin County California | 18 | $ 4,211,000 | $ 233,000 | $ 132,000 |
| Placer County California | 16 | $ 3,755,000 | $ 234,000 | $ 114,000 |
| Sacramento County California | 16 | $ 2,975,000 | $ 185,000 | $ 167,000 |
| San Diego County California | 16 | $ 5,923,000 | $ 370,000 | $ 152,000 |
| San Benito County California | 13 | $ 4,448,000 | $ 342,000 | $ 124,000 |
| Nevada County California | 12 | $ 3,292,000 | $ 274,000 | $ 146,000 |
| Douglas County Colorado | 12 | $ 2,931,000 | $ 244,000 | $ 153,000 |
| Monterey County California | 11 | $ 3,523,000 | $ 320,000 | $ 151,000 |
| Sonoma County California | 11 | $ 4,031,000 | $ 366,000 | $ 162,000 |
| San Luis Obispo County California | 9 | $ 2,128,000 | $ 236,000 | $ 128,000 |
| Butte County California | 7 | $ 1,290,000 | $ 184,000 | $ 66,000 |
| Stanislaus County California | 7 | $ 702,000 | $ 100,000 | $ 92,000 |
| Arapahoe County Colorado | 7 | $ 1,507,000 | $ 215,000 | $ 114,000 |
| King County Washington | 7 | $ 2,504,000 | $ 357,000 | $ 135,000 |
| Calaveras County California | 6 | $ 772,000 | $ 128,000 | $ 124,000 |
| Riverside County California | 6 | $ 1,488,000 | $ 248,000 | $ 123,000 |
| Santa Barbara County California | 6 | $ 2,233,000 | $ 372,000 | $ 193,000 |
| Tuolumne County California | 6 | $ 1,195,000 | $ 199,000 | $ 240,000 |
| Travis County Texas | 6 | $ 1,263,000 | $ 210,000 | $ 116,000 |
| Spokane County Washington | 6 | $ 930,000 | $ 155,000 | $ 89,000 |
| Maricopa County Arizona | 5 | $ 702,000 | $ 140,000 | $ 118,000 |
| Fresno County California | 5 | $ 1,457,000 | $ 291,000 | $ 138,000 |
| Honolulu County Hawaii | 5 | $ 1,180,000 | $ 236,000 | $ 220,000 |
| Clark County Nevada | 5 | $ 544,000 | $ 108,000 | $ 169,000 |
| Washington County Oregon | 5 | $ 1,253,000 | $ 250,000 | $ 159,000 |
| Ventura County California | 4 | $ 1,142,000 | $ 285,000 | $ 220,000 |
| Washoe County Nevada | 4 | $ 759,000 | $ 189,000 | $ 84,000 |
| Jackson County Oregon | 4 | $ 634,000 | $ 158,000 | $ 138,000 |
| Williamson County Texas | 4 | $ 368,000 | $ 92,000 | $ 79,000 |
| Kitsap County Washington | 4 | $ 1,499,000 | $ 374,000 | $ 127,000 |
| Amador County California | 3 | $ 262,000 | $ 87,000 | $ 128,000 |
| Marin County California | 3 | $ 1,668,000 | $ 556,000 | $ 210,000 |
| Boulder County Colorado | 3 | $ 926,000 | $ 308,000 | $ 101,000 |
| El Paso County Colorado | 3 | $ 616,000 | $ 205,000 | $ 128,000 |
| Jefferson County Colorado | 3 | $ 855,000 | $ 285,000 | $ 153,000 |
| District of Columbia County District Of Columbia | 3 | $ 1,501,000 | $ 500,000 | $ 159,000 |
| Hawaii County Hawaii | 3 | $ 498,000 | $ 166,000 | $ 95,000 |
| Ada County Idaho | 3 | $ 300,000 | $ 100,000 | $ 188,000 |
| Dona Ana County New Mexico | 3 | $ 408,000 | $ 136,000 | $ 151,000 |
| Bucks County Pennsylvania | 3 | $ 809,000 | $ 269,000 | $ 140,000 |
| Tarrant County Texas | 3 | $ 876,000 | $ 292,000 | $ 149,000 |
| Salt Lake County Utah | 3 | $ 610,000 | $ 203,000 | $ 97,000 |
| Fairfax County Virginia | 3 | $ 1,268,000 | $ 422,000 | $ 172,000 |
| Napa County California | 2 | $ 294,000 | $ 147,000 | $ 56,000 |
| Solano County California | 2 | $ 298,000 | $ 149,000 | $ 92,000 |
| Yolo County California | 2 | $ 281,000 | $ 140,000 | $ 221,000 |
| Denver County Colorado | 2 | $ 621,000 | $ 310,000 | $ 102,000 |
| Larimer County Colorado | 2 | $ 492,000 | $ 246,000 | $ 184,000 |
| Brevard County Florida | 2 | $ 328,000 | $ 164,000 | $ 168,000 |
| Kauai County Hawaii | 2 | $ 341,000 | $ 170,000 | $ 198,000 |
| Cook County Illinois | 2 | $ 344,000 | $ 172,000 | $ 112,000 |
| Montgomery County Maryland | 2 | $ 262,000 | $ 131,000 | $ 104,000 |
| Curry County New Mexico | 2 | $ 122,000 | $ 61,000 | $ 161,000 |
| Canadian County Oklahoma | 2 | $ 218,000 | $ 109,000 | $ 244,000 |
| Dallas County Texas | 2 | $ 615,000 | $ 307,000 | $ 155,000 |
| Denton County Texas | 2 | $ 538,000 | $ 269,000 | $ 99,000 |
| Hays County Texas | 2 | $ 254,000 | $ 127,000 | $ 137,000 |
| Loudoun County Virginia | 2 | $ 972,000 | $ 486,000 | $ 138,000 |
| Virginia Beach County Virginia | 2 | $ 520,000 | $ 260,000 | $ 97,000 |
| Clark County Washington | 2 | $ 414,000 | $ 207,000 | $ 54,000 |
| Madison County Alabama | 1 | $ 220,000 | $ 220,000 | $ 49,000 |
| Pima County Arizona | 1 | $ 204,000 | $ 204,000 | $ 91,000 |
| Santa Cruz County Arizona | 1 | $ 150,000 | $ 150,000 | $ 57,000 |
| Pulaski County Arkansas | 1 | $ 182,000 | $ 182,000 | $ 114,000 |
| Kern County California | 1 | $ 204,000 | $ 204,000 | $ 80,000 |
| Kings County California | 1 | $ 320,000 | $ 320,000 | $ 125,000 |
| Madera County California | 1 | $ 132,000 | $ 132,000 | $ 68,000 |
| Merced County California | 1 | $ 162,000 | $ 162,000 | $ 85,000 |
| Modoc County California | 1 | $ 116,000 | $ 116,000 | $ 44,000 |
| Shasta County California | 1 | $ 169,000 | $ 169,000 | $ 39,000 |
| Adams County Colorado | 1 | $ 190,000 | $ 190,000 | $ 134,000 |
| Elbert County Colorado | 1 | $ 182,000 | $ 182,000 | $ 60,000 |
| Teller County Colorado | 1 | $ 263,000 | $ 263,000 | $ 117,000 |
| Hillsborough County Florida | 1 | $ 84,000 | $ 84,000 | $ 184,000 |
| Palm Beach County Florida | 1 | $ 360,000 | $ 360,000 | $ 175,000 |
| Pinellas County Florida | 1 | $ 250,000 | $ 250,000 | $ 80,000 |
| Seminole County Florida | 1 | $ 150,000 | $ 150,000 | $ 133,000 |
| Volusia County Florida | 1 | $ 117,000 | $ 117,000 | $ 86,000 |
| Camden County Georgia | 1 | $ 247,000 | $ 247,000 | $ 161,000 |
| Cobb County Georgia | 1 | $ 417,000 | $ 417,000 | $ 133,000 |
| Dade County Georgia | 1 | $ 98,000 | $ 98,000 | $ 56,000 |
| Bonner County Idaho | 1 | $ 280,000 | $ 280,000 | $ 50,000 |
| Kootenai County Idaho | 1 | $ 272,000 | $ 272,000 | $ 93,000 |
| Polk County Iowa | 1 | $ 117,000 | $ 117,000 | $ 42,000 |
| Anne Arundel County Maryland | 1 | $ 456,000 | $ 456,000 | $ 105,000 |
| Howard County Maryland | 1 | $ 155,000 | $ 155,000 | $ 215,000 |
| Middlesex County Massachusetts | 1 | $ 465,000 | $ 465,000 | $ 271,000 |
| Allegan County Michigan | 1 | $ 78,000 | $ 78,000 | $ 40,000 |
| Kent County Michigan | 1 | $ 144,000 | $ 144,000 | $ 121,000 |
| Keweenaw County Michigan | 1 | $ 231,000 | $ 231,000 | $ 123,000 |
| Macomb County Michigan | 1 | $ 69,000 | $ 69,000 | $ 464,000 |
| Ravalli County Montana | 1 | $ 148,000 | $ 148,000 | $ 42,000 |
| Carson City County Nevada | 1 | $ 123,000 | $ 123,000 | $ 71,000 |
| Douglas County Nevada | 1 | $ 69,000 | $ 69,000 | $ 225,000 |
| Nye County Nevada | 1 | $ 29,000 | $ 29,000 | $ 52,000 |
| Storey County Nevada | 1 | $ 115,000 | $ 115,000 | $ 170,000 |
| Grafton County New Hampshire | 1 | $ 350,000 | $ 350,000 | $ 264,000 |
| Burlington County New Jersey | 1 | $ 195,000 | $ 195,000 | $ 141,000 |
| Morris County New Jersey | 1 | $ 390,000 | $ 390,000 | $ 153,000 |
| Bernalillo County New Mexico | 1 | $ 194,000 | $ 194,000 | $ 244,000 |
| Kings County New York | 1 | $ 244,000 | $ 244,000 | $ 121,000 |
| Forsyth County North Carolina | 1 | $ 90,000 | $ 90,000 | $ 89,000 |
| Montgomery County Ohio | 1 | $ 250,000 | $ 250,000 | $ 93,000 |
| Beckham County Oklahoma | 1 | $ 190,000 | $ 190,000 | $ 78,000 |
| Oklahoma County Oklahoma | 1 | $ 87,000 | $ 87,000 | $ 164,000 |
| Clackamas County Oregon | 1 | $ 175,000 | $ 175,000 | $ 212,000 |
| Hood River County Oregon | 1 | $ 203,000 | $ 203,000 | $ 108,000 |
| Butler County Pennsylvania | 1 | $ 46,000 | $ 46,000 | $ 51,000 |
| Montgomery County Pennsylvania | 1 | $ 156,000 | $ 156,000 | $ 219,000 |
| Loudon County Tennessee | 1 | $ 695,000 | $ 695,000 | $ 167,000 |
| Bexar County Texas | 1 | $ 118,000 | $ 118,000 | $ 62,000 |
| Collin County Texas | 1 | $ 188,000 | $ 188,000 | $ 137,000 |
| Fort Bend County Texas | 1 | $ 225,000 | $ 225,000 | $ 77,000 |
| Galveston County Texas | 1 | $ 251,000 | $ 251,000 | $ 138,000 |
| Smith County Texas | 1 | $ 78,000 | $ 78,000 | $ 36,000 |
| Cache County Utah | 1 | $ 155,000 | $ 155,000 | $ 91,000 |
| Davis County Utah | 1 | $ 145,000 | $ 145,000 | $ 89,000 |
| Summit County Utah | 1 | $ 350,000 | $ 350,000 | $ 66,000 |
| Alexandria County Virginia | 1 | $ 367,000 | $ 367,000 | $ 145,000 |
| Fairfax City County Virginia | 1 | $ 412,000 | $ 412,000 | $ 169,000 |
| King George County Virginia | 1 | $ 238,000 | $ 238,000 | $ 221,000 |
| Clallam County Washington | 1 | $ 252,000 | $ 252,000 | $ 279,000 |
| Klickitat County Washington | 1 | $ 403,000 | $ 403,000 | $ 125,000 |
| Pierce County Washington | 1 | $ 245,000 | $ 245,000 | $ 182,000 |
| Kanawha County West Virginia | 1 | $ 34,000 | $ 34,000 | $ 37,000 |
Mortgage Loan Application Detail Totals for Star One Credit Union in 2012
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 | 1,882 | $672,281,000 | $357,000 | $1,659,000 | $160,000 | $1,127,000 |
| Home Purchase | 767 | $296,530,000 | $386,000 | $1,225,000 | $152,000 | $2,404,000 |
| Home Improvement | 67 | $22,881,000 | $341,000 | $1,000,000 | $154,000 | $650,000 |
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 | 1,235 | $427,208,000 | $345,000 | $1,659,000 | $153,000 | $1,023,000 |
| Not Provided | 811 | $299,141,000 | $368,000 | $1,400,000 | $160,000 | $659,000 |
| Asian | 510 | $215,942,000 | $423,000 | $1,033,000 | $173,000 | $2,404,000 |
| Hispanic | 113 | $35,506,000 | $314,000 | $1,000,000 | $130,000 | $343,000 |
| Black or African American | 25 | $6,857,000 | $274,000 | $528,000 | $127,000 | $264,000 |
| Native Hawaiian or Other Pacific Islander | 12 | $4,011,000 | $334,000 | $613,000 | $137,000 | $206,000 |
| American Indian or Alaskan Native | 10 | $3,027,000 | $302,000 | $800,000 | $182,000 | $366,000 |
| 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) | 2,716 | $991,692,000 | $365,000 | $1,659,000 | $158,000 | $2,404,000 |
| 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 | 1,430 | $501,988,000 | $351,000 | $1,400,000 | $160,000 | $1,127,000 |
| Application Denied By Financial Institution | 486 | $173,770,000 | $357,000 | $1,659,000 | $144,000 | $1,023,000 |
| Preapproval Approved but not Accepted | 292 | $120,385,000 | $412,000 | $1,225,000 | $168,000 | $2,404,000 |
| Application Approved But Not Accepted | 266 | $103,313,000 | $388,000 | $1,033,000 | $173,000 | $659,000 |
| Preapproval Denied by Financial Institution | 149 | $55,107,000 | $369,000 | $1,000,000 | $118,000 | $758,000 |
| File Closed For Incompleteness | 73 | $30,278,000 | $414,000 | $1,000,000 | $171,000 | $638,000 |
| Application Withdrawn By Applicant | 20 | $6,851,000 | $342,000 | $844,000 | $155,000 | $260,000 |
| 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 | 204 | $73,074,000 | $358,000 | $1,174,000 | $91,000 | $301,000 |
| Credit Application Incomplete | 126 | $49,304,000 | $391,000 | $1,659,000 | $175,000 | $775,000 |
| Collateral | 86 | $33,741,000 | $392,000 | $1,000,000 | $178,000 | $600,000 |
| Credit History | 76 | $25,274,000 | $332,000 | $900,000 | $157,000 | $758,000 |
| Other | 74 | $24,080,000 | $325,000 | $990,000 | $167,000 | $1,023,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 31 | $9,569,000 | $308,000 | $650,000 | $106,000 | $432,000 |
| Employment History | 20 | $6,081,000 | $304,000 | $800,000 | $79,000 | $168,000 |
| Unverifiable Information | 5 | $1,617,000 | $323,000 | $550,000 | $130,000 | $169,000 |
| Mortgage Insurance Denied | 1 | $730,000 | $730,000 | $730,000 | $377,000 | $377,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Star One Credit Union's 2012 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.