Star One Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2013
Star One Credit Union 2013 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 | 2,135 |
| Total Mortgage Loan Application Amount | $805,739,000 |
| Average Mortgage Loan Application Amount | $365,666 |
| Highest Mortgage Loan Application Amount | $1,650,000 |
| Average Applicant Income | $157,333 |
| Highest Applicant Income | $1,880,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2013 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 2013 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 2013.
| 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 | 945 | $ 365,708,000 | $ 386,000 | $ 157,000 |
| Alameda County California | 129 | $ 48,310,000 | $ 374,000 | $ 165,000 |
| San Mateo County California | 89 | $ 43,429,000 | $ 487,000 | $ 199,000 |
| Santa Cruz County California | 45 | $ 17,807,000 | $ 395,000 | $ 151,000 |
| Contra Costa County California | 38 | $ 14,901,000 | $ 392,000 | $ 147,000 |
| San Joaquin County California | 22 | $ 4,488,000 | $ 204,000 | $ 130,000 |
| Placer County California | 21 | $ 5,013,000 | $ 238,000 | $ 117,000 |
| Los Angeles County California | 17 | $ 5,611,000 | $ 330,000 | $ 125,000 |
| San Francisco County California | 17 | $ 7,264,000 | $ 427,000 | $ 169,000 |
| Orange County California | 15 | $ 5,351,000 | $ 356,000 | $ 154,000 |
| San Diego County California | 15 | $ 5,165,000 | $ 344,000 | $ 115,000 |
| El Dorado County California | 13 | $ 3,224,000 | $ 248,000 | $ 179,000 |
| Sacramento County California | 13 | $ 2,715,000 | $ 208,000 | $ 132,000 |
| Sonoma County California | 12 | $ 2,715,000 | $ 226,000 | $ 140,000 |
| Maricopa County Arizona | 11 | $ 2,547,000 | $ 231,000 | $ 125,000 |
| San Luis Obispo County California | 9 | $ 2,775,000 | $ 308,000 | $ 202,000 |
| Monterey County California | 8 | $ 2,702,000 | $ 337,000 | $ 165,000 |
| Arapahoe County Colorado | 8 | $ 1,864,000 | $ 233,000 | $ 121,000 |
| Boulder County Colorado | 8 | $ 2,169,000 | $ 271,000 | $ 133,000 |
| Travis County Texas | 7 | $ 1,386,000 | $ 198,000 | $ 113,000 |
| King County Washington | 7 | $ 2,247,000 | $ 321,000 | $ 190,000 |
| Nevada County California | 6 | $ 1,174,000 | $ 195,000 | $ 146,000 |
| Riverside County California | 6 | $ 1,214,000 | $ 202,000 | $ 107,000 |
| Washoe County Nevada | 6 | $ 1,897,000 | $ 316,000 | $ 183,000 |
| Butte County California | 5 | $ 1,082,000 | $ 216,000 | $ 85,000 |
| San Benito County California | 5 | $ 1,152,000 | $ 230,000 | $ 84,000 |
| Tuolumne County California | 5 | $ 922,000 | $ 184,000 | $ 69,000 |
| Douglas County Colorado | 5 | $ 1,410,000 | $ 282,000 | $ 174,000 |
| Clark County Nevada | 5 | $ 1,004,000 | $ 200,000 | $ 116,000 |
| Calaveras County California | 4 | $ 686,000 | $ 171,000 | $ 173,000 |
| Fresno County California | 4 | $ 1,365,000 | $ 341,000 | $ 198,000 |
| Humboldt County California | 4 | $ 1,184,000 | $ 296,000 | $ 282,000 |
| Shasta County California | 4 | $ 594,000 | $ 148,000 | $ 152,000 |
| Ventura County California | 4 | $ 2,206,000 | $ 551,000 | $ 144,000 |
| Adams County Colorado | 4 | $ 640,000 | $ 160,000 | $ 146,000 |
| Yavapai County Arizona | 3 | $ 686,000 | $ 228,000 | $ 172,000 |
| Santa Barbara County California | 3 | $ 1,254,000 | $ 418,000 | $ 189,000 |
| Solano County California | 3 | $ 1,051,000 | $ 350,000 | $ 232,000 |
| Jefferson County Colorado | 3 | $ 699,000 | $ 233,000 | $ 168,000 |
| Larimer County Colorado | 3 | $ 685,000 | $ 228,000 | $ 89,000 |
| Brevard County Florida | 3 | $ 422,000 | $ 140,000 | $ 63,000 |
| Montgomery County Maryland | 3 | $ 795,000 | $ 265,000 | $ 132,000 |
| Marion County Oregon | 3 | $ 480,000 | $ 160,000 | $ 112,000 |
| Williamson County Texas | 3 | $ 648,000 | $ 216,000 | $ 130,000 |
| Lake County California | 2 | $ 517,000 | $ 258,000 | $ 140,000 |
| Madera County California | 2 | $ 217,000 | $ 108,000 | $ 56,000 |
| Merced County California | 2 | $ 276,000 | $ 138,000 | $ 60,000 |
| Napa County California | 2 | $ 766,000 | $ 383,000 | $ 325,000 |
| Siskiyou County California | 2 | $ 117,000 | $ 58,000 | $ 109,000 |
| Stanislaus County California | 2 | $ 454,000 | $ 227,000 | $ 68,000 |
| Yolo County California | 2 | $ 335,000 | $ 167,000 | $ 102,000 |
| El Paso County Colorado | 2 | $ 545,000 | $ 272,000 | $ 141,000 |
| Pinellas County Florida | 2 | $ 797,000 | $ 398,000 | $ 127,000 |
| Hawaii County Hawaii | 2 | $ 626,000 | $ 313,000 | $ 174,000 |
| Kauai County Hawaii | 2 | $ 709,000 | $ 354,000 | $ 206,000 |
| Ada County Idaho | 2 | $ 130,000 | $ 65,000 | $ 72,000 |
| Kootenai County Idaho | 2 | $ 394,000 | $ 197,000 | $ 68,000 |
| Hamilton County Ohio | 2 | $ 382,000 | $ 191,000 | $ 181,000 |
| Dorchester County South Carolina | 2 | $ 815,000 | $ 407,000 | $ 98,000 |
| Hamilton County Tennessee | 2 | $ 314,000 | $ 157,000 | $ 127,000 |
| Collin County Texas | 2 | $ 325,000 | $ 162,000 | $ 97,000 |
| Fayette County Texas | 2 | $ 407,000 | $ 203,000 | $ 71,000 |
| Hays County Texas | 2 | $ 272,000 | $ 136,000 | $ 50,000 |
| Utah County Utah | 2 | $ 341,000 | $ 170,000 | $ 64,000 |
| Yuma County Arizona | 1 | $ 256,000 | $ 256,000 | $ 105,000 |
| Alpine County California | 1 | $ 151,000 | $ 151,000 | $ 325,000 |
| Imperial County California | 1 | $ 156,000 | $ 156,000 | $ 94,000 |
| Kings County California | 1 | $ 91,000 | $ 91,000 | $ 119,000 |
| Marin County California | 1 | $ 557,000 | $ 557,000 | $ 207,000 |
| Mariposa County California | 1 | $ 126,000 | $ 126,000 | $ 162,000 |
| Mendocino County California | 1 | $ 151,000 | $ 151,000 | $ 45,000 |
| San Bernardino County California | 1 | $ 176,000 | $ 176,000 | $ 43,000 |
| Tehama County California | 1 | $ 220,000 | $ 220,000 | $ 183,000 |
| Weld County Colorado | 1 | $ 84,000 | $ 84,000 | $ 93,000 |
| New Haven County Connecticut | 1 | $ 417,000 | $ 417,000 | $ 274,000 |
| Sussex County Delaware | 1 | $ 460,000 | $ 460,000 | $ 40,000 |
| District of Columbia County District Of Columbia | 1 | $ 285,000 | $ 285,000 | $ 98,000 |
| Orange County Florida | 1 | $ 200,000 | $ 200,000 | $ 89,000 |
| Polk County Florida | 1 | $ 128,000 | $ 128,000 | $ 53,000 |
| Seminole County Florida | 1 | $ 50,000 | $ 50,000 | $ 64,000 |
| Fulton County Georgia | 1 | $ 259,000 | $ 259,000 | $ 124,000 |
| Gwinnett County Georgia | 1 | $ 264,000 | $ 264,000 | $ 255,000 |
| Honolulu County Hawaii | 1 | $ 300,000 | $ 300,000 | $ 187,000 |
| Lake County Illinois | 1 | $ 180,000 | $ 180,000 | $ 156,000 |
| Butler County Kansas | 1 | $ 74,000 | $ 74,000 | $ 82,000 |
| Cumberland County Maine | 1 | $ 215,000 | $ 215,000 | $ 172,000 |
| Anne Arundel County Maryland | 1 | $ 544,000 | $ 544,000 | $ 430,000 |
| Baltimore County Maryland | 1 | $ 291,000 | $ 291,000 | $ 71,000 |
| Oakland County Michigan | 1 | $ 280,000 | $ 280,000 | $ 183,000 |
| Monroe County Mississippi | 1 | $ 28,000 | $ 28,000 | $ 98,000 |
| Lake County Montana | 1 | $ 393,000 | $ 393,000 | $ 447,000 |
| Carson City County Nevada | 1 | $ 96,000 | $ 96,000 | $ 133,000 |
| Douglas County Nevada | 1 | $ 130,000 | $ 130,000 | $ 281,000 |
| Lyon County Nevada | 1 | $ 144,000 | $ 144,000 | $ 37,000 |
| Hillsborough County New Hampshire | 1 | $ 125,000 | $ 125,000 | $ 40,000 |
| Morris County New Jersey | 1 | $ 200,000 | $ 200,000 | $ 236,000 |
| Ocean County New Jersey | 1 | $ 225,000 | $ 225,000 | $ 151,000 |
| Bernalillo County New Mexico | 1 | $ 167,000 | $ 167,000 | $ 248,000 |
| Mecklenburg County North Carolina | 1 | $ 67,000 | $ 67,000 | $ 151,000 |
| New Hanover County North Carolina | 1 | $ 77,000 | $ 77,000 | $ 842,000 |
| Medina County Ohio | 1 | $ 308,000 | $ 308,000 | $ 140,000 |
| Summit County Ohio | 1 | $ 288,000 | $ 288,000 | $ 140,000 |
| Beckham County Oklahoma | 1 | $ 243,000 | $ 243,000 | $ 78,000 |
| Jefferson County Oregon | 1 | $ 225,000 | $ 225,000 | $ 51,000 |
| Josephine County Oregon | 1 | $ 245,000 | $ 245,000 | $ 95,000 |
| Linn County Oregon | 1 | $ 86,000 | $ 86,000 | $ 127,000 |
| Multnomah County Oregon | 1 | $ 180,000 | $ 180,000 | $ 164,000 |
| Washington County Oregon | 1 | $ 334,000 | $ 334,000 | $ 171,000 |
| Bucks County Pennsylvania | 1 | $ 97,000 | $ 97,000 | $ 269,000 |
| Hardin County Tennessee | 1 | $ 299,000 | $ 299,000 | $ 96,000 |
| Weakley County Tennessee | 1 | $ 256,000 | $ 256,000 | $ 55,000 |
| Williamson County Tennessee | 1 | $ 500,000 | $ 500,000 | $ 183,000 |
| Bastrop County Texas | 1 | $ 154,000 | $ 154,000 | $ 178,000 |
| Bexar County Texas | 1 | $ 65,000 | $ 65,000 | $ 32,000 |
| Dallas County Texas | 1 | $ 568,000 | $ 568,000 | $ 236,000 |
| Galveston County Texas | 1 | $ 344,000 | $ 344,000 | $ 247,000 |
| Harris County Texas | 1 | $ 200,000 | $ 200,000 | $ 137,000 |
| Summit County Utah | 1 | $ 665,000 | $ 665,000 | $ 260,000 |
| Arlington County Virginia | 1 | $ 246,000 | $ 246,000 | $ 77,000 |
| Fairfax County Virginia | 1 | $ 346,000 | $ 346,000 | $ 235,000 |
| King George County Virginia | 1 | $ 228,000 | $ 228,000 | $ 222,000 |
| Loudoun County Virginia | 1 | $ 676,000 | $ 676,000 | $ 258,000 |
| Prince William County Virginia | 1 | $ 122,000 | $ 122,000 | $ 58,000 |
| Spotsylvania County Virginia | 1 | $ 180,000 | $ 180,000 | $ 48,000 |
| Klickitat County Washington | 1 | $ 400,000 | $ 400,000 | $ 137,000 |
| Pierce County Washington | 1 | $ 203,000 | $ 203,000 | $ 190,000 |
| Snohomish County Washington | 1 | $ 553,000 | $ 553,000 | $ 108,000 |
| Albany County Wyoming | 1 | $ 100,000 | $ 100,000 | $ 257,000 |
| Teton County Wyoming | 1 | $ 245,000 | $ 245,000 | $ 323,000 |
Mortgage Loan Application Detail Totals for Star One Credit Union in 2013
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 | 1,352 | $489,798,000 | $362,000 | $1,529,000 | $155,000 | $990,000 |
| Home Purchase | 727 | $297,636,000 | $409,000 | $1,650,000 | $168,000 | $1,880,000 |
| Home Improvement | 56 | $18,305,000 | $326,000 | $950,000 | $149,000 | $387,000 |
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 | 896 | $319,385,000 | $356,000 | $1,650,000 | $157,000 | $1,880,000 |
| Not Provided | 719 | $284,914,000 | $396,000 | $1,550,000 | $171,000 | $940,000 |
| Asian | 368 | $154,255,000 | $419,000 | $1,450,000 | $158,000 | $527,000 |
| Hispanic | 109 | $32,682,000 | $299,000 | $915,000 | $118,000 | $337,000 |
| Black or African American | 19 | $6,625,000 | $348,000 | $625,000 | $133,000 | $263,000 |
| Native Hawaiian or Other Pacific Islander | 17 | $5,701,000 | $335,000 | $1,000,000 | $126,000 | $306,000 |
| American Indian or Alaskan Native | 7 | $2,177,000 | $311,000 | $575,000 | $125,000 | $267,000 |
| 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) | 2,135 | $805,739,000 | $377,000 | $1,650,000 | $159,000 | $1,880,000 |
| 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 | 1,136 | $408,175,000 | $359,000 | $1,335,000 | $163,000 | $990,000 |
| Application Denied By Financial Institution | 512 | $196,610,000 | $384,000 | $1,529,000 | $129,000 | $725,000 |
| Application Withdrawn By Applicant | 344 | $140,620,000 | $408,000 | $1,650,000 | $189,000 | $1,880,000 |
| File Closed For Incompleteness | 102 | $43,727,000 | $428,000 | $1,190,000 | $176,000 | $780,000 |
| Preapproval Denied by Financial Institution | 18 | $6,953,000 | $386,000 | $626,000 | $101,000 | $165,000 |
| Preapproval Approved but not Accepted | 16 | $6,910,000 | $431,000 | $1,000,000 | $152,000 | $272,000 |
| Application Approved But Not Accepted | 7 | $2,744,000 | $392,000 | $953,000 | $160,000 | $497,000 |
| 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 | 162 | $62,427,000 | $385,000 | $880,000 | $91,000 | $372,000 |
| Credit Application Incomplete | 146 | $61,998,000 | $424,000 | $1,529,000 | $155,000 | $725,000 |
| Credit History | 72 | $23,948,000 | $332,000 | $936,000 | $135,000 | $336,000 |
| Other | 58 | $19,240,000 | $331,000 | $826,000 | $153,000 | $466,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 41 | $14,742,000 | $359,000 | $720,000 | $100,000 | $240,000 |
| Collateral | 29 | $13,530,000 | $466,000 | $959,000 | $171,000 | $323,000 |
| Employment History | 10 | $2,706,000 | $270,000 | $622,000 | $128,000 | $279,000 |
| Unverifiable Information | 2 | $772,000 | $386,000 | $417,000 | $46,000 | $93,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Star One Credit Union's 2013 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.