Star One Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2015
Star One Credit Union 2015 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 | 2,350 |
| Total Mortgage Loan Application Amount | $997,685,000 |
| Average Mortgage Loan Application Amount | $384,000 |
| Highest Mortgage Loan Application Amount | $2,100,000 |
| Average Applicant Income | $167,000 |
| Highest Applicant Income | $1,196,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2015 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 2015 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 2015.
| 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 | 951 | $ 422,262,000 | $ 444,000 | $ 168,000 |
| Alameda County California | 181 | $ 82,383,000 | $ 455,000 | $ 162,000 |
| San Mateo County California | 77 | $ 42,165,000 | $ 547,000 | $ 217,000 |
| Contra Costa County California | 64 | $ 29,823,000 | $ 465,000 | $ 193,000 |
| Santa Cruz County California | 43 | $ 18,913,000 | $ 439,000 | $ 222,000 |
| San Francisco County California | 31 | $ 16,107,000 | $ 519,000 | $ 226,000 |
| Sacramento County California | 29 | $ 5,211,000 | $ 179,000 | $ 110,000 |
| Placer County California | 28 | $ 6,060,000 | $ 216,000 | $ 114,000 |
| San Joaquin County California | 25 | $ 5,498,000 | $ 219,000 | $ 125,000 |
| El Dorado County California | 18 | $ 4,974,000 | $ 276,000 | $ 153,000 |
| San Diego County California | 17 | $ 6,315,000 | $ 371,000 | $ 212,000 |
| San Benito County California | 14 | $ 4,541,000 | $ 324,000 | $ 133,000 |
| Washoe County Nevada | 13 | $ 3,372,000 | $ 259,000 | $ 118,000 |
| Monterey County California | 12 | $ 5,557,000 | $ 463,000 | $ 243,000 |
| Los Angeles County California | 11 | $ 4,815,000 | $ 437,000 | $ 154,000 |
| Douglas County Colorado | 11 | $ 3,422,000 | $ 311,000 | $ 176,000 |
| King County Washington | 11 | $ 3,763,000 | $ 342,000 | $ 153,000 |
| Orange County California | 10 | $ 3,595,000 | $ 359,000 | $ 168,000 |
| Sonoma County California | 9 | $ 3,271,000 | $ 363,000 | $ 168,000 |
| Riverside County California | 8 | $ 1,436,000 | $ 179,000 | $ 98,000 |
| San Luis Obispo County California | 8 | $ 2,915,000 | $ 364,000 | $ 137,000 |
| Stanislaus County California | 8 | $ 1,272,000 | $ 159,000 | $ 87,000 |
| Maricopa County Arizona | 7 | $ 1,093,000 | $ 156,000 | $ 100,000 |
| Calaveras County California | 7 | $ 1,045,000 | $ 149,000 | $ 152,000 |
| Tuolumne County California | 7 | $ 1,274,000 | $ 182,000 | $ 150,000 |
| Marin County California | 6 | $ 3,347,000 | $ 557,000 | $ 118,000 |
| Solano County California | 6 | $ 2,124,000 | $ 354,000 | $ 174,000 |
| Jefferson County Colorado | 6 | $ 2,134,000 | $ 355,000 | $ 159,000 |
| Fresno County California | 5 | $ 1,270,000 | $ 254,000 | $ 153,000 |
| San Bernardino County California | 5 | $ 669,000 | $ 133,000 | $ 100,000 |
| Williamson County Texas | 5 | $ 913,000 | $ 182,000 | $ 97,000 |
| Santa Barbara County California | 4 | $ 1,030,000 | $ 257,000 | $ 164,000 |
| Shasta County California | 4 | $ 371,000 | $ 92,000 | $ 76,000 |
| Ada County Idaho | 4 | $ 988,000 | $ 247,000 | $ 98,000 |
| Clark County Nevada | 4 | $ 484,000 | $ 121,000 | $ 41,000 |
| Travis County Texas | 4 | $ 1,162,000 | $ 290,000 | $ 197,000 |
| Humboldt County California | 3 | $ 744,000 | $ 248,000 | $ 146,000 |
| Madera County California | 3 | $ 458,000 | $ 152,000 | $ 180,000 |
| Merced County California | 3 | $ 470,000 | $ 156,000 | $ 59,000 |
| District of Columbia County District Of Columbia | 3 | $ 1,616,000 | $ 538,000 | $ 200,000 |
| Hawaii County Hawaii | 3 | $ 720,000 | $ 240,000 | $ 210,000 |
| Multnomah County Oregon | 3 | $ 765,000 | $ 255,000 | $ 180,000 |
| Bexar County Texas | 3 | $ 347,000 | $ 115,000 | $ 40,000 |
| Denton County Texas | 3 | $ 1,110,000 | $ 370,000 | $ 206,000 |
| Tarrant County Texas | 3 | $ 396,000 | $ 132,000 | $ 192,000 |
| Alexandria County Virginia | 3 | $ 988,000 | $ 329,000 | $ 107,000 |
| Clallam County Washington | 3 | $ 619,000 | $ 206,000 | $ 81,000 |
| Snohomish County Washington | 3 | $ 674,000 | $ 224,000 | $ 99,000 |
| Alpine County California | 2 | $ 417,000 | $ 208,000 | $ 134,000 |
| Amador County California | 2 | $ 448,000 | $ 224,000 | $ 178,000 |
| Napa County California | 2 | $ 599,000 | $ 299,000 | $ 181,000 |
| Tehama County California | 2 | $ 451,000 | $ 225,000 | $ 123,000 |
| Ventura County California | 2 | $ 1,027,000 | $ 513,000 | $ 259,000 |
| Yolo County California | 2 | $ 478,000 | $ 239,000 | $ 247,000 |
| Yuba County California | 2 | $ 262,000 | $ 131,000 | $ 92,000 |
| Adams County Colorado | 2 | $ 302,000 | $ 151,000 | $ 105,000 |
| Arapahoe County Colorado | 2 | $ 528,000 | $ 264,000 | $ 117,000 |
| Denver County Colorado | 2 | $ 616,000 | $ 308,000 | $ 173,000 |
| El Paso County Colorado | 2 | $ 274,000 | $ 137,000 | $ 89,000 |
| Brevard County Florida | 2 | $ 256,000 | $ 128,000 | $ 184,000 |
| Kootenai County Idaho | 2 | $ 605,000 | $ 302,000 | $ 141,000 |
| Cook County Illinois | 2 | $ 602,000 | $ 301,000 | $ 192,000 |
| Anne Arundel County Maryland | 2 | $ 609,000 | $ 304,000 | $ 177,000 |
| Montgomery County Maryland | 2 | $ 516,000 | $ 258,000 | $ 140,000 |
| Carson City County Nevada | 2 | $ 356,000 | $ 178,000 | $ 103,000 |
| Catron County New Mexico | 2 | $ 206,000 | $ 103,000 | $ 78,000 |
| Mecklenburg County North Carolina | 2 | $ 267,000 | $ 133,000 | $ 56,000 |
| Wake County North Carolina | 2 | $ 291,000 | $ 145,000 | $ 116,000 |
| Deschutes County Oregon | 2 | $ 360,000 | $ 180,000 | $ 49,000 |
| Washington County Oregon | 2 | $ 393,000 | $ 196,000 | $ 85,000 |
| Davidson County Tennessee | 2 | $ 326,000 | $ 163,000 | $ 227,000 |
| Shelby County Tennessee | 2 | $ 310,000 | $ 155,000 | $ 190,000 |
| Collin County Texas | 2 | $ 408,000 | $ 204,000 | $ 92,000 |
| Dallas County Texas | 2 | $ 346,000 | $ 173,000 | $ 187,000 |
| Hays County Texas | 2 | $ 439,000 | $ 219,000 | $ 207,000 |
| Fairfax County Virginia | 2 | $ 776,000 | $ 388,000 | $ 138,000 |
| Clark County Washington | 2 | $ 282,000 | $ 141,000 | $ 64,000 |
| Kitsap County Washington | 2 | $ 600,000 | $ 300,000 | $ 110,000 |
| Pierce County Washington | 2 | $ 472,000 | $ 236,000 | $ 88,000 |
| Spokane County Washington | 2 | $ 386,000 | $ 193,000 | $ 227,000 |
| Madison County Alabama | 1 | $ 188,000 | $ 188,000 | $ 132,000 |
| Morgan County Alabama | 1 | $ 220,000 | $ 220,000 | $ 80,000 |
| Yuma County Arizona | 1 | $ 25,000 | $ 25,000 | $ 28,000 |
| Benton County Arkansas | 1 | $ 139,000 | $ 139,000 | $ 47,000 |
| Pulaski County Arkansas | 1 | $ 173,000 | $ 173,000 | $ 141,000 |
| Butte County California | 1 | $ 152,000 | $ 152,000 | $ 49,000 |
| Mendocino County California | 1 | $ 251,000 | $ 251,000 | $ 89,000 |
| Nevada County California | 1 | $ 395,000 | $ 395,000 | $ 203,000 |
| Plumas County California | 1 | $ 285,000 | $ 285,000 | $ 98,000 |
| Tulare County California | 1 | $ 80,000 | $ 80,000 | $ 165,000 |
| Gilpin County Colorado | 1 | $ 373,000 | $ 373,000 | $ 112,000 |
| Clay County Florida | 1 | $ 84,000 | $ 84,000 | $ 144,000 |
| Duval County Florida | 1 | $ 77,000 | $ 77,000 | $ 166,000 |
| Franklin County Florida | 1 | $ 60,000 | $ 60,000 | $ 156,000 |
| Leon County Florida | 1 | $ 264,000 | $ 264,000 | $ 54,000 |
| Manatee County Florida | 1 | $ 505,000 | $ 505,000 | $ 134,000 |
| Miami-Dade County Florida | 1 | $ 288,000 | $ 288,000 | $ 184,000 |
| Nassau County Florida | 1 | $ 56,000 | $ 56,000 | $ 84,000 |
| Okaloosa County Florida | 1 | $ 82,000 | $ 82,000 | $ 117,000 |
| Orange County Florida | 1 | $ 160,000 | $ 160,000 | $ 148,000 |
| Pasco County Florida | 1 | $ 123,000 | $ 123,000 | $ 213,000 |
| Pinellas County Florida | 1 | $ 253,000 | $ 253,000 | $ 178,000 |
| Chatham County Georgia | 1 | $ 375,000 | $ 375,000 | $ 272,000 |
| Fulton County Georgia | 1 | $ 177,000 | $ 177,000 | $ 99,000 |
| Houston County Georgia | 1 | $ 130,000 | $ 130,000 | $ 106,000 |
| Kauai County Hawaii | 1 | $ 300,000 | $ 300,000 | $ 130,000 |
| Madison County Illinois | 1 | $ 264,000 | $ 264,000 | $ 179,000 |
| Winnebago County Illinois | 1 | $ 133,000 | $ 133,000 | $ 95,000 |
| Allen County Indiana | 1 | $ 153,000 | $ 153,000 | $ 117,000 |
| Marion County Indiana | 1 | $ 76,000 | $ 76,000 | $ 242,000 |
| Johnson County Kansas | 1 | $ 304,000 | $ 304,000 | $ 181,000 |
| St. Tammany County Louisiana | 1 | $ 219,000 | $ 219,000 | $ 140,000 |
| Penobscot County Maine | 1 | $ 128,000 | $ 128,000 | $ 77,000 |
| Sagadahoc County Maine | 1 | $ 175,000 | $ 175,000 | $ 207,000 |
| Carroll County Maryland | 1 | $ 260,000 | $ 260,000 | $ 141,000 |
| Charles County Maryland | 1 | $ 492,000 | $ 492,000 | $ 158,000 |
| Hennepin County Minnesota | 1 | $ 190,000 | $ 190,000 | $ 116,000 |
| Cedar County Missouri | 1 | $ 60,000 | $ 60,000 | $ 54,000 |
| Pulaski County Missouri | 1 | $ 32,000 | $ 32,000 | $ 138,000 |
| Lewis and Clark County Montana | 1 | $ 128,000 | $ 128,000 | $ 97,000 |
| Hillsborough County New Hampshire | 1 | $ 240,000 | $ 240,000 | $ 160,000 |
| Bernalillo County New Mexico | 1 | $ 82,000 | $ 82,000 | $ 27,000 |
| Nassau County New York | 1 | $ 550,000 | $ 550,000 | $ 287,000 |
| Carteret County North Carolina | 1 | $ 100,000 | $ 100,000 | $ 293,000 |
| Cuyahoga County Ohio | 1 | $ 400,000 | $ 400,000 | $ 146,000 |
| Geauga County Ohio | 1 | $ 396,000 | $ 396,000 | $ 205,000 |
| Clackamas County Oregon | 1 | $ 196,000 | $ 196,000 | $ 159,000 |
| Hood River County Oregon | 1 | $ 335,000 | $ 335,000 | $ 213,000 |
| Lane County Oregon | 1 | $ 224,000 | $ 224,000 | $ 450,000 |
| Linn County Oregon | 1 | $ 182,000 | $ 182,000 | $ 52,000 |
| Yamhill County Oregon | 1 | $ 169,000 | $ 169,000 | $ 191,000 |
| Centre County Pennsylvania | 1 | $ 263,000 | $ 263,000 | $ 148,000 |
| Meade County South Dakota | 1 | $ 90,000 | $ 90,000 | $ 229,000 |
| Williamson County Tennessee | 1 | $ 504,000 | $ 504,000 | $ 161,000 |
| Aransas County Texas | 1 | $ 194,000 | $ 194,000 | $ 190,000 |
| Bastrop County Texas | 1 | $ 154,000 | $ 154,000 | $ 167,000 |
| Brazoria County Texas | 1 | $ 95,000 | $ 95,000 | $ 151,000 |
| Brazos County Texas | 1 | $ 130,000 | $ 130,000 | $ 292,000 |
| Fort Bend County Texas | 1 | $ 500,000 | $ 500,000 | $ 245,000 |
| Harris County Texas | 1 | $ 316,000 | $ 316,000 | $ 145,000 |
| Montgomery County Texas | 1 | $ 154,000 | $ 154,000 | $ 63,000 |
| Van Zandt County Texas | 1 | $ 76,000 | $ 76,000 | $ 23,000 |
| Davis County Utah | 1 | $ 210,000 | $ 210,000 | $ 205,000 |
| Salt Lake County Utah | 1 | $ 75,000 | $ 75,000 | $ 173,000 |
| Washington County Utah | 1 | $ 143,000 | $ 143,000 | $ 101,000 |
| Clarke County Virginia | 1 | $ 256,000 | $ 256,000 | $ 182,000 |
| Loudoun County Virginia | 1 | $ 455,000 | $ 455,000 | $ 174,000 |
| Northampton County Virginia | 1 | $ 84,000 | $ 84,000 | $ 83,000 |
| Mason County Washington | 1 | $ 164,000 | $ 164,000 | $ 46,000 |
| Pacific County Washington | 1 | $ 70,000 | $ 70,000 | $ 17,000 |
Mortgage Loan Application Detail Totals for Star One Credit Union in 2015
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 | 1,440 | $589,616,000 | $409,000 | $1,700,000 | $164,000 | $1,196,000 |
| Home Purchase | 816 | $382,151,000 | $468,000 | $2,100,000 | $179,000 | $934,000 |
| Home Improvement | 94 | $25,918,000 | $275,000 | $858,000 | $158,000 | $344,000 |
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 | 916 | $369,086,000 | $402,000 | $1,545,000 | $159,000 | $781,000 |
| Not Provided | 810 | $352,466,000 | $435,000 | $1,700,000 | $180,000 | $1,196,000 |
| Asian | 457 | $218,849,000 | $478,000 | $2,100,000 | $183,000 | $677,000 |
| Hispanic | 127 | $43,283,000 | $340,000 | $900,000 | $129,000 | $411,000 |
| Black or African American | 16 | $5,218,000 | $326,000 | $560,000 | $119,000 | $242,000 |
| Native Hawaiian or Other Pacific Islander | 14 | $6,026,000 | $430,000 | $1,000,000 | $157,000 | $341,000 |
| American Indian or Alaskan Native | 10 | $2,757,000 | $275,000 | $560,000 | $150,000 | $308,000 |
| 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) | 2,350 | $997,685,000 | $424,000 | $2,100,000 | $169,000 | $1,196,000 |
| 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 | 1,297 | $517,164,000 | $398,000 | $1,700,000 | $171,000 | $1,196,000 |
| Application Denied By Financial Institution | 357 | $144,877,000 | $405,000 | $1,545,000 | $137,000 | $677,000 |
| Preapproval Approved but not Accepted | 311 | $161,204,000 | $518,000 | $2,100,000 | $196,000 | $900,000 |
| Application Approved But Not Accepted | 262 | $117,360,000 | $447,000 | $1,540,000 | $174,000 | $934,000 |
| Application Withdrawn By Applicant | 88 | $40,979,000 | $465,000 | $1,600,000 | $168,000 | $545,000 |
| Preapproval Denied by Financial Institution | 26 | $11,936,000 | $459,000 | $1,000,000 | $149,000 | $525,000 |
| File Closed For Incompleteness | 9 | $4,165,000 | $462,000 | $785,000 | $147,000 | $325,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit Application Incomplete | 150 | $64,838,000 | $432,000 | $1,295,000 | $162,000 | $677,000 |
| Debt-To-Income Ratio | 98 | $40,773,000 | $416,000 | $1,545,000 | $89,000 | $334,000 |
| Other | 59 | $20,960,000 | $355,000 | $1,506,000 | $142,000 | $392,000 |
| Credit History | 38 | $15,431,000 | $406,000 | $777,000 | $157,000 | $345,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 15 | $7,706,000 | $513,000 | $1,540,000 | $135,000 | $488,000 |
| Collateral | 10 | $1,996,000 | $199,000 | $553,000 | $162,000 | $281,000 |
| Employment History | 5 | $1,657,000 | $331,000 | $533,000 | $93,000 | $167,000 |
| Unverifiable Information | 4 | $1,982,000 | $495,000 | $780,000 | $164,000 | $319,000 |
| Mortgage Insurance Denied | 1 | $684,000 | $684,000 | $684,000 | $241,000 | $241,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Star One Credit Union's 2015 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.