Star One Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2016
Star One Credit Union 2016 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 | 2,854 |
| Total Mortgage Loan Application Amount | $1,388,260,000 |
| Average Mortgage Loan Application Amount | $435,000 |
| Highest Mortgage Loan Application Amount | $2,351,000 |
| Average Applicant Income | $184,000 |
| Highest Applicant Income | $1,988,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2016 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 2016 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 2016.
| 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 | 1,237 | $ 652,732,000 | $ 527,000 | $ 188,000 |
| Alameda County California | 254 | $ 137,531,000 | $ 541,000 | $ 200,000 |
| San Mateo County California | 99 | $ 57,478,000 | $ 580,000 | $ 206,000 |
| Contra Costa County California | 71 | $ 36,937,000 | $ 520,000 | $ 178,000 |
| Santa Cruz County California | 66 | $ 27,215,000 | $ 412,000 | $ 166,000 |
| San Joaquin County California | 35 | $ 9,927,000 | $ 283,000 | $ 147,000 |
| San Francisco County California | 33 | $ 21,357,000 | $ 647,000 | $ 252,000 |
| Sacramento County California | 24 | $ 6,426,000 | $ 267,000 | $ 141,000 |
| Placer County California | 22 | $ 7,288,000 | $ 331,000 | $ 155,000 |
| Los Angeles County California | 21 | $ 12,202,000 | $ 581,000 | $ 242,000 |
| San Diego County California | 18 | $ 7,879,000 | $ 437,000 | $ 183,000 |
| San Benito County California | 17 | $ 7,800,000 | $ 458,000 | $ 178,000 |
| Orange County California | 16 | $ 7,080,000 | $ 442,000 | $ 183,000 |
| Monterey County California | 13 | $ 5,156,000 | $ 396,000 | $ 155,000 |
| Maricopa County Arizona | 12 | $ 2,300,000 | $ 191,000 | $ 146,000 |
| Stanislaus County California | 12 | $ 3,598,000 | $ 299,000 | $ 318,000 |
| Arapahoe County Colorado | 11 | $ 2,711,000 | $ 246,000 | $ 142,000 |
| Washoe County Nevada | 11 | $ 2,778,000 | $ 252,000 | $ 183,000 |
| Travis County Texas | 11 | $ 3,828,000 | $ 348,000 | $ 179,000 |
| El Dorado County California | 10 | $ 3,260,000 | $ 326,000 | $ 166,000 |
| San Luis Obispo County California | 10 | $ 4,326,000 | $ 432,000 | $ 194,000 |
| Santa Barbara County California | 10 | $ 4,246,000 | $ 424,000 | $ 157,000 |
| Clark County Nevada | 8 | $ 1,845,000 | $ 230,000 | $ 158,000 |
| King County Washington | 8 | $ 3,846,000 | $ 480,000 | $ 210,000 |
| Sonoma County California | 7 | $ 1,925,000 | $ 275,000 | $ 254,000 |
| Jefferson County Colorado | 7 | $ 3,317,000 | $ 473,000 | $ 219,000 |
| Merced County California | 6 | $ 861,000 | $ 143,000 | $ 106,000 |
| Nevada County California | 6 | $ 1,845,000 | $ 307,000 | $ 235,000 |
| Yolo County California | 6 | $ 1,800,000 | $ 300,000 | $ 101,000 |
| El Paso County Colorado | 6 | $ 2,156,000 | $ 359,000 | $ 188,000 |
| Tarrant County Texas | 6 | $ 1,365,000 | $ 227,000 | $ 285,000 |
| Calaveras County California | 5 | $ 731,000 | $ 146,000 | $ 210,000 |
| Douglas County Colorado | 5 | $ 1,690,000 | $ 338,000 | $ 147,000 |
| Duval County Florida | 5 | $ 1,009,000 | $ 201,000 | $ 174,000 |
| Ada County Idaho | 5 | $ 910,000 | $ 182,000 | $ 122,000 |
| Washington County Oregon | 5 | $ 1,586,000 | $ 317,000 | $ 173,000 |
| Denton County Texas | 5 | $ 1,550,000 | $ 310,000 | $ 182,000 |
| Yavapai County Arizona | 4 | $ 955,000 | $ 238,000 | $ 149,000 |
| Brevard County Florida | 4 | $ 1,605,000 | $ 401,000 | $ 168,000 |
| Cook County Illinois | 4 | $ 873,000 | $ 218,000 | $ 123,000 |
| Douglas County Nevada | 4 | $ 954,000 | $ 238,000 | $ 131,000 |
| Bernalillo County New Mexico | 4 | $ 447,000 | $ 111,000 | $ 138,000 |
| Clackamas County Oregon | 4 | $ 1,169,000 | $ 292,000 | $ 114,000 |
| Multnomah County Oregon | 4 | $ 1,348,000 | $ 337,000 | $ 121,000 |
| Loudoun County Virginia | 4 | $ 1,968,000 | $ 492,000 | $ 186,000 |
| Pima County Arizona | 3 | $ 733,000 | $ 244,000 | $ 74,000 |
| Pinal County Arizona | 3 | $ 352,000 | $ 117,000 | $ 152,000 |
| Fresno County California | 3 | $ 777,000 | $ 259,000 | $ 161,000 |
| Lake County California | 3 | $ 980,000 | $ 326,000 | $ 96,000 |
| Marin County California | 3 | $ 2,122,000 | $ 707,000 | $ 274,000 |
| Napa County California | 3 | $ 1,659,000 | $ 553,000 | $ 251,000 |
| Riverside County California | 3 | $ 829,000 | $ 276,000 | $ 112,000 |
| Shasta County California | 3 | $ 349,000 | $ 116,000 | $ 109,000 |
| Solano County California | 3 | $ 1,329,000 | $ 443,000 | $ 151,000 |
| Tuolumne County California | 3 | $ 543,000 | $ 181,000 | $ 84,000 |
| Montgomery County Maryland | 3 | $ 1,684,000 | $ 561,000 | $ 260,000 |
| Sandoval County New Mexico | 3 | $ 277,000 | $ 92,000 | $ 158,000 |
| Arlington County Virginia | 3 | $ 1,101,000 | $ 367,000 | $ 186,000 |
| Fairfax County Virginia | 3 | $ 1,551,000 | $ 517,000 | $ 232,000 |
| Butte County California | 2 | $ 571,000 | $ 285,000 | $ 230,000 |
| Madera County California | 2 | $ 247,000 | $ 123,000 | $ 191,000 |
| Mendocino County California | 2 | $ 631,000 | $ 315,000 | $ 99,000 |
| Sutter County California | 2 | $ 507,000 | $ 253,000 | $ 109,000 |
| Ventura County California | 2 | $ 848,000 | $ 424,000 | $ 149,000 |
| Adams County Colorado | 2 | $ 773,000 | $ 386,000 | $ 167,000 |
| Boulder County Colorado | 2 | $ 530,000 | $ 265,000 | $ 156,000 |
| Broomfield County Colorado | 2 | $ 1,302,000 | $ 651,000 | $ 168,000 |
| Elbert County Colorado | 2 | $ 303,000 | $ 151,000 | $ 43,000 |
| Manatee County Florida | 2 | $ 890,000 | $ 445,000 | $ 148,000 |
| Pasco County Florida | 2 | $ 516,000 | $ 258,000 | $ 105,000 |
| DeKalb County Georgia | 2 | $ 467,000 | $ 233,000 | $ 177,000 |
| Fulton County Georgia | 2 | $ 1,221,000 | $ 610,000 | $ 172,000 |
| Howard County Maryland | 2 | $ 535,000 | $ 267,000 | $ 129,000 |
| Middlesex County Massachusetts | 2 | $ 1,098,000 | $ 549,000 | $ 327,000 |
| Mecklenburg County North Carolina | 2 | $ 410,000 | $ 205,000 | $ 144,000 |
| Philadelphia County Pennsylvania | 2 | $ 521,000 | $ 260,000 | $ 124,000 |
| Bexar County Texas | 2 | $ 247,000 | $ 123,000 | $ 76,000 |
| Burnet County Texas | 2 | $ 191,000 | $ 95,000 | $ 67,000 |
| Harris County Texas | 2 | $ 295,000 | $ 147,000 | $ 160,000 |
| Hays County Texas | 2 | $ 434,000 | $ 217,000 | $ 208,000 |
| Montgomery County Texas | 2 | $ 317,000 | $ 158,000 | $ 78,000 |
| Clark County Washington | 2 | $ 685,000 | $ 342,000 | $ 157,000 |
| Kitsap County Washington | 2 | $ 877,000 | $ 438,000 | $ 187,000 |
| Cochise County Arizona | 1 | $ 73,000 | $ 73,000 | $ 31,000 |
| Yuma County Arizona | 1 | $ 209,000 | $ 209,000 | $ 89,000 |
| Hot Spring County Arkansas | 1 | $ 311,000 | $ 311,000 | $ 132,000 |
| Amador County California | 1 | $ 164,000 | $ 164,000 | $ 30,000 |
| Glenn County California | 1 | $ 191,000 | $ 191,000 | $ 277,000 |
| Mariposa County California | 1 | $ 182,000 | $ 182,000 | $ 19,000 |
| San Bernardino County California | 1 | $ 200,000 | $ 200,000 | $ 51,000 |
| Sierra County California | 1 | $ 46,000 | $ 46,000 | $ 113,000 |
| Tulare County California | 1 | $ 276,000 | $ 276,000 | $ 123,000 |
| Leon County Florida | 1 | $ 999,000 | $ 999,000 | $ 800,000 |
| Miami-Dade County Florida | 1 | $ 350,000 | $ 350,000 | $ 74,000 |
| St. Lucie County Florida | 1 | $ 87,000 | $ 87,000 | $ 62,000 |
| Camden County Georgia | 1 | $ 172,000 | $ 172,000 | $ 87,000 |
| Chatham County Georgia | 1 | $ 115,000 | $ 115,000 | $ 63,000 |
| Cobb County Georgia | 1 | $ 239,000 | $ 239,000 | $ 203,000 |
| Gwinnett County Georgia | 1 | $ 51,000 | $ 51,000 | $ 140,000 |
| Hawaii County Hawaii | 1 | $ 322,000 | $ 322,000 | $ 390,000 |
| Kauai County Hawaii | 1 | $ 404,000 | $ 404,000 | $ 221,000 |
| Bonner County Idaho | 1 | $ 260,000 | $ 260,000 | $ 230,000 |
| Kootenai County Idaho | 1 | $ 140,000 | $ 140,000 | $ 3,000 |
| Latah County Idaho | 1 | $ 183,000 | $ 183,000 | $ 79,000 |
| Lake County Illinois | 1 | $ 200,000 | $ 200,000 | $ 347,000 |
| Hamilton County Indiana | 1 | $ 341,000 | $ 341,000 | $ 148,000 |
| Monroe County Indiana | 1 | $ 69,000 | $ 69,000 | $ 59,000 |
| Jefferson County Kentucky | 1 | $ 216,000 | $ 216,000 | $ 128,000 |
| East Baton Rouge County Louisiana | 1 | $ 45,000 | $ 45,000 | $ 38,000 |
| St. Tammany County Louisiana | 1 | $ 185,000 | $ 185,000 | $ 90,000 |
| Cumberland County Maine | 1 | $ 188,000 | $ 188,000 | $ 185,000 |
| Baltimore City County Maryland | 1 | $ 192,000 | $ 192,000 | $ 113,000 |
| Charles County Maryland | 1 | $ 467,000 | $ 467,000 | $ 158,000 |
| Prince George's County Maryland | 1 | $ 427,000 | $ 427,000 | $ 117,000 |
| Essex County Massachusetts | 1 | $ 629,000 | $ 629,000 | $ 541,000 |
| Oakland County Michigan | 1 | $ 101,000 | $ 101,000 | $ 141,000 |
| Washtenaw County Michigan | 1 | $ 428,000 | $ 428,000 | $ 250,000 |
| Scott County Minnesota | 1 | $ 280,000 | $ 280,000 | $ 77,000 |
| Carbon County Montana | 1 | $ 554,000 | $ 554,000 | $ 293,000 |
| Missoula County Montana | 1 | $ 150,000 | $ 150,000 | $ 178,000 |
| Carson City County Nevada | 1 | $ 130,000 | $ 130,000 | $ 42,000 |
| Bergen County New Jersey | 1 | $ 665,000 | $ 665,000 | $ 283,000 |
| Morris County New Jersey | 1 | $ 400,000 | $ 400,000 | $ 142,000 |
| Steuben County New York | 1 | $ 322,000 | $ 322,000 | $ 170,000 |
| Chatham County North Carolina | 1 | $ 388,000 | $ 388,000 | $ 87,000 |
| Henderson County North Carolina | 1 | $ 496,000 | $ 496,000 | $ 118,000 |
| Iredell County North Carolina | 1 | $ 323,000 | $ 323,000 | $ 123,000 |
| New Hanover County North Carolina | 1 | $ 119,000 | $ 119,000 | $ 106,000 |
| Onslow County North Carolina | 1 | $ 191,000 | $ 191,000 | $ 40,000 |
| Wake County North Carolina | 1 | $ 147,000 | $ 147,000 | $ 188,000 |
| Franklin County Ohio | 1 | $ 93,000 | $ 93,000 | $ 174,000 |
| Hughes County Oklahoma | 1 | $ 98,000 | $ 98,000 | $ 182,000 |
| Benton County Oregon | 1 | $ 250,000 | $ 250,000 | $ 109,000 |
| Hood River County Oregon | 1 | $ 370,000 | $ 370,000 | $ 146,000 |
| Jackson County Oregon | 1 | $ 112,000 | $ 112,000 | $ 95,000 |
| Josephine County Oregon | 1 | $ 529,000 | $ 529,000 | $ 116,000 |
| Lane County Oregon | 1 | $ 273,000 | $ 273,000 | $ 127,000 |
| Marion County Oregon | 1 | $ 200,000 | $ 200,000 | $ 80,000 |
| Yamhill County Oregon | 1 | $ 200,000 | $ 200,000 | $ 69,000 |
| Sumner County Tennessee | 1 | $ 342,000 | $ 342,000 | $ 83,000 |
| Brazoria County Texas | 1 | $ 60,000 | $ 60,000 | $ 137,000 |
| Caldwell County Texas | 1 | $ 203,000 | $ 203,000 | $ 135,000 |
| Cameron County Texas | 1 | $ 72,000 | $ 72,000 | $ 33,000 |
| Collin County Texas | 1 | $ 208,000 | $ 208,000 | $ 380,000 |
| El Paso County Texas | 1 | $ 78,000 | $ 78,000 | $ 177,000 |
| Fort Bend County Texas | 1 | $ 278,000 | $ 278,000 | $ 105,000 |
| Galveston County Texas | 1 | $ 207,000 | $ 207,000 | $ 167,000 |
| Llano County Texas | 1 | $ 78,000 | $ 78,000 | $ 125,000 |
| Parker County Texas | 1 | $ 171,000 | $ 171,000 | $ 200,000 |
| Williamson County Texas | 1 | $ 262,000 | $ 262,000 | $ 136,000 |
| Salt Lake County Utah | 1 | $ 345,000 | $ 345,000 | $ 221,000 |
| Utah County Utah | 1 | $ 200,000 | $ 200,000 | $ 32,000 |
| Washington County Utah | 1 | $ 238,000 | $ 238,000 | $ 71,000 |
| Chesterfield County Virginia | 1 | $ 404,000 | $ 404,000 | $ 210,000 |
| James City County Virginia | 1 | $ 150,000 | $ 150,000 | $ 126,000 |
| Newport News County Virginia | 1 | $ 140,000 | $ 140,000 | $ 59,000 |
| Clallam County Washington | 1 | $ 475,000 | $ 475,000 | $ 200,000 |
| Island County Washington | 1 | $ 500,000 | $ 500,000 | $ 268,000 |
| Snohomish County Washington | 1 | $ 187,000 | $ 187,000 | $ 136,000 |
| Spokane County Washington | 1 | $ 71,000 | $ 71,000 | $ 14,000 |
| Thurston County Washington | 1 | $ 263,000 | $ 263,000 | $ 66,000 |
| Whatcom County Washington | 1 | $ 100,000 | $ 100,000 | $ 215,000 |
| Laramie County Wyoming | 1 | $ 260,000 | $ 260,000 | $ 54,000 |
Mortgage Loan Application Detail Totals for Star One Credit Union in 2016
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 | 1,945 | $951,867,000 | $489,000 | $1,605,000 | $184,000 | $1,988,000 |
| Home Purchase | 830 | $411,010,000 | $495,000 | $2,351,000 | $180,000 | $1,919,000 |
| Home Improvement | 79 | $25,383,000 | $321,000 | $2,000,000 | $188,000 | $731,000 |
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 | 1,130 | $505,599,000 | $447,000 | $2,351,000 | $168,000 | $855,000 |
| Not Provided | 782 | $403,789,000 | $516,000 | $2,000,000 | $203,000 | $1,467,000 |
| Asian | 682 | $378,105,000 | $554,000 | $1,750,000 | $198,000 | $1,988,000 |
| Hispanic | 195 | $75,135,000 | $385,000 | $1,100,000 | $149,000 | $522,000 |
| Native Hawaiin or Other Pacific Islander | 30 | $11,855,000 | $395,000 | $848,000 | $149,000 | $293,000 |
| Black or African American | 28 | $11,154,000 | $398,000 | $996,000 | $158,000 | $322,000 |
| American Indian or Alaskan Native | 7 | $2,623,000 | $374,000 | $650,000 | $159,000 | $278,000 |
| 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) | 2,854 | $1,388,260,000 | $486,000 | $2,351,000 | $183,000 | $1,988,000 |
| 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 | 1,694 | $825,788,000 | $487,000 | $1,605,000 | $188,000 | $1,919,000 |
| Application Denied By Financial Institution | 455 | $213,987,000 | $470,000 | $2,000,000 | $150,000 | $1,988,000 |
| Preapproval Approved but not Accepted | 424 | $218,991,000 | $516,000 | $1,960,000 | $188,000 | $1,891,000 |
| Application Approved But Not Accepted | 181 | $80,273,000 | $443,000 | $2,351,000 | $207,000 | $1,559,000 |
| Application Withdrawn By Applicant | 81 | $40,472,000 | $499,000 | $2,000,000 | $176,000 | $670,000 |
| File Closed For Incompleteness | 15 | $5,708,000 | $380,000 | $872,000 | $237,000 | $1,294,000 |
| Preapproval Denied by Financial Institution | 4 | $3,041,000 | $760,000 | $1,750,000 | $218,000 | $367,000 |
| 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 | 181 | $95,219,000 | $526,000 | $2,000,000 | $186,000 | $1,988,000 |
| Debt-To-Income Ratio | 126 | $56,381,000 | $447,000 | $1,875,000 | $92,000 | $390,000 |
| Other | 70 | $33,168,000 | $473,000 | $1,000,000 | $192,000 | $906,000 |
| Credit History | 30 | $10,484,000 | $349,000 | $1,000,000 | $159,000 | $346,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 24 | $10,283,000 | $428,000 | $770,000 | $105,000 | $367,000 |
| Employment History | 10 | $4,036,000 | $403,000 | $688,000 | $76,000 | $156,000 |
| Collateral | 8 | $2,950,000 | $368,000 | $880,000 | $165,000 | $293,000 |
| Unverifiable Information | 4 | $1,373,000 | $343,000 | $548,000 | $92,000 | $169,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Star One Credit Union's 2016 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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with aggregated HMDA statistics today.