Star One Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2017

Star One Credit Union 2017 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 2,256
Total Mortgage Loan Application Amount $992,121,000
Average Mortgage Loan Application Amount $413,000
Highest Mortgage Loan Application Amount $2,700,000
Average Applicant Income $180,333
Highest Applicant Income $2,379,000

Explore comprehensive HMDA mortgage statistics and lending trends for 2017 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 2017 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 2017.

Mortgage Loan Application Totals for Star One Credit Union by County in 2017

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 800 $ 368,894,000 $ 461,000 $ 184,000
Alameda County California 138 $ 61,201,000 $ 443,000 $ 187,000
Santa Cruz County California 57 $ 27,589,000 $ 484,000 $ 194,000
San Mateo County California 56 $ 30,599,000 $ 546,000 $ 224,000
Contra Costa County California 44 $ 20,797,000 $ 472,000 $ 190,000
San Joaquin County California 38 $ 7,734,000 $ 203,000 $ 148,000
Placer County California 33 $ 10,801,000 $ 327,000 $ 137,000
Sacramento County California 28 $ 6,130,000 $ 218,000 $ 114,000
Los Angeles County California 22 $ 9,716,000 $ 441,000 $ 174,000
San Francisco County California 22 $ 11,898,000 $ 540,000 $ 251,000
San Diego County California 21 $ 7,299,000 $ 347,000 $ 153,000
Douglas County Colorado 18 $ 6,168,000 $ 342,000 $ 158,000
Stanislaus County California 14 $ 2,368,000 $ 169,000 $ 130,000
Washoe County Nevada 13 $ 4,498,000 $ 346,000 $ 143,000
Calaveras County California 12 $ 3,050,000 $ 254,000 $ 141,000
Monterey County California 11 $ 4,408,000 $ 400,000 $ 193,000
Sonoma County California 11 $ 4,699,000 $ 427,000 $ 179,000
Clark County Nevada 10 $ 1,785,000 $ 178,000 $ 158,000
El Dorado County California 9 $ 2,940,000 $ 326,000 $ 140,000
Merced County California 8 $ 1,754,000 $ 219,000 $ 104,000
Orange County California 8 $ 3,484,000 $ 435,000 $ 300,000
San Benito County California 8 $ 2,145,000 $ 268,000 $ 249,000
San Luis Obispo County California 8 $ 2,080,000 $ 260,000 $ 173,000
Maricopa County Arizona 7 $ 1,285,000 $ 183,000 $ 156,000
Riverside County California 7 $ 1,801,000 $ 257,000 $ 179,000
Arapahoe County Colorado 7 $ 2,322,000 $ 331,000 $ 128,000
Denver County Colorado 7 $ 2,894,000 $ 413,000 $ 187,000
Brevard County Florida 7 $ 1,923,000 $ 274,000 $ 177,000
Travis County Texas 7 $ 3,026,000 $ 432,000 $ 302,000
King County Washington 7 $ 2,799,000 $ 399,000 $ 122,000
Butte County California 6 $ 1,799,000 $ 299,000 $ 198,000
El Paso County Colorado 6 $ 1,744,000 $ 290,000 $ 144,000
Jefferson County Colorado 6 $ 2,441,000 $ 406,000 $ 234,000
Multnomah County Oregon 6 $ 1,543,000 $ 257,000 $ 168,000
Washington County Oregon 6 $ 2,450,000 $ 408,000 $ 404,000
Fresno County California 5 $ 1,586,000 $ 317,000 $ 166,000
Napa County California 5 $ 1,290,000 $ 258,000 $ 138,000
Santa Barbara County California 5 $ 868,000 $ 173,000 $ 121,000
Ventura County California 5 $ 1,256,000 $ 251,000 $ 159,000
Nevada County California 4 $ 1,604,000 $ 401,000 $ 228,000
Solano County California 4 $ 1,080,000 $ 270,000 $ 89,000
Clackamas County Oregon 4 $ 1,475,000 $ 368,000 $ 130,000
Pierce County Washington 4 $ 944,000 $ 236,000 $ 166,000
Lake County California 3 $ 994,000 $ 331,000 $ 130,000
Marin County California 3 $ 1,086,000 $ 362,000 $ 282,000
Mendocino County California 3 $ 1,882,000 $ 627,000 $ 99,000
San Bernardino County California 3 $ 512,000 $ 170,000 $ 233,000
Tuolumne County California 3 $ 488,000 $ 162,000 $ 130,000
Boulder County Colorado 3 $ 1,036,000 $ 345,000 $ 129,000
Collier County Florida 3 $ 429,000 $ 143,000 $ 218,000
Douglas County Nevada 3 $ 644,000 $ 214,000 $ 58,000
Oklahoma County Oklahoma 3 $ 334,000 $ 111,000 $ 796,000
Bexar County Texas 3 $ 230,000 $ 76,000 $ 112,000
Hays County Texas 3 $ 536,000 $ 178,000 $ 96,000
Williamson County Texas 3 $ 684,000 $ 228,000 $ 154,000
Pima County Arizona 2 $ 452,000 $ 226,000 $ 143,000
Pinal County Arizona 2 $ 220,000 $ 110,000 $ 50,000
Humboldt County California 2 $ 552,000 $ 276,000 $ 140,000
Kern County California 2 $ 461,000 $ 230,000 $ 79,000
Tehama County California 2 $ 370,000 $ 185,000 $ 112,000
Adams County Colorado 2 $ 401,000 $ 200,000 $ 62,000
Alamosa County Colorado 2 $ 965,000 $ 482,000 $ 142,000
Cobb County Georgia 2 $ 556,000 $ 278,000 $ 131,000
Hawaii County Hawaii 2 $ 670,000 $ 335,000 $ 222,000
Maui County Hawaii 2 $ 694,000 $ 347,000 $ 359,000
Ada County Idaho 2 $ 491,000 $ 245,000 $ 58,000
Canyon County Idaho 2 $ 332,000 $ 166,000 $ 56,000
Cook County Illinois 2 $ 240,000 $ 120,000 $ 293,000
Elkhart County Indiana 2 $ 308,000 $ 154,000 $ 167,000
Marion County Indiana 2 $ 69,000 $ 34,000 $ 110,000
Johnson County Kansas 2 $ 654,000 $ 327,000 $ 192,000
Orleans County Louisiana 2 $ 527,000 $ 263,000 $ 277,000
Middlesex County Massachusetts 2 $ 337,000 $ 168,000 $ 44,000
Oakland County Michigan 2 $ 80,000 $ 40,000 $ 52,000
Lyon County Nevada 2 $ 424,000 $ 212,000 $ 98,000
Nye County Nevada 2 $ 345,000 $ 172,000 $ 142,000
Bernalillo County New Mexico 2 $ 246,000 $ 123,000 $ 205,000
Lane County Oregon 2 $ 828,000 $ 414,000 $ 211,000
Williamson County Tennessee 2 $ 891,000 $ 445,000 $ 96,000
Dallas County Texas 2 $ 329,000 $ 164,000 $ 64,000
Tarrant County Texas 2 $ 348,000 $ 174,000 $ 130,000
Salt Lake County Utah 2 $ 337,000 $ 168,000 $ 149,000
Fairfax County Virginia 2 $ 786,000 $ 393,000 $ 182,000
Prince William County Virginia 2 $ 700,000 $ 350,000 $ 81,000
Kitsap County Washington 2 $ 804,000 $ 402,000 $ 131,000
Madison County Alabama 1 $ 47,000 $ 47,000 $ 163,000
Coconino County Arizona 1 $ 210,000 $ 210,000 $ 96,000
Mohave County Arizona 1 $ 144,000 $ 144,000 $ 257,000
Yavapai County Arizona 1 $ 580,000 $ 580,000 $ 96,000
Washington County Arkansas 1 $ 226,000 $ 226,000 $ 103,000
Glenn County California 1 $ 72,000 $ 72,000 $ 34,000
Lassen County California 1 $ 172,000 $ 172,000 $ 156,000
Madera County California 1 $ 221,000 $ 221,000 $ 67,000
Plumas County California 1 $ 54,000 $ 54,000 $ 80,000
Siskiyou County California 1 $ 82,000 $ 82,000 $ 120,000
Tulare County California 1 $ 34,000 $ 34,000 $ 305,000
Yolo County California 1 $ 305,000 $ 305,000 $ 224,000
Yuba County California 1 $ 250,000 $ 250,000 $ 111,000
Broomfield County Colorado 1 $ 84,000 $ 84,000 $ 73,000
Larimer County Colorado 1 $ 350,000 $ 350,000 $ 120,000
Pitkin County Colorado 1 $ 470,000 $ 470,000 $ 184,000
Routt County Colorado 1 $ 200,000 $ 200,000 $ 173,000
Summit County Colorado 1 $ 206,000 $ 206,000 $ 293,000
Teller County Colorado 1 $ 217,000 $ 217,000 $ 99,000
Fairfield County Connecticut 1 $ 386,000 $ 386,000 $ 147,000
District of Columbia County District Of Columbia 1 $ 333,000 $ 333,000 $ 140,000
Duval County Florida 1 $ 223,000 $ 223,000 $ 121,000
Lee County Florida 1 $ 136,000 $ 136,000 $ 61,000
Miami-Dade County Florida 1 $ 1,000,000 $ 1,000,000 $ 209,000
Palm Beach County Florida 1 $ 270,000 $ 270,000 $ 96,000
Pinellas County Florida 1 $ 48,000 $ 48,000 $ 20,000
Sarasota County Florida 1 $ 345,000 $ 345,000 $ 59,000
Walton County Florida 1 $ 150,000 $ 150,000 $ 336,000
Chatham County Georgia 1 $ 304,000 $ 304,000 $ 96,000
DeKalb County Georgia 1 $ 433,000 $ 433,000 $ 126,000
Gwinnett County Georgia 1 $ 200,000 $ 200,000 $ 155,000
Kauai County Hawaii 1 $ 266,000 $ 266,000 $ 250,000
Blaine County Idaho 1 $ 243,000 $ 243,000 $ 98,000
Kootenai County Idaho 1 $ 153,000 $ 153,000 $ 127,000
Teton County Idaho 1 $ 221,000 $ 221,000 $ 150,000
Twin Falls County Idaho 1 $ 172,000 $ 172,000 $ 59,000
DuPage County Illinois 1 $ 193,000 $ 193,000 $ 209,000
Polk County Iowa 1 $ 316,000 $ 316,000 $ 195,000
St. Tammany County Louisiana 1 $ 275,000 $ 275,000 $ 164,000
Talbot County Maryland 1 $ 152,000 $ 152,000 $ 380,000
Norfolk County Massachusetts 1 $ 1,470,000 $ 1,470,000 $ 600,000
Wayne County Michigan 1 $ 49,000 $ 49,000 $ 44,000
Hancock County Mississippi 1 $ 91,000 $ 91,000 $ 182,000
Jackson County Mississippi 1 $ 188,000 $ 188,000 $ 118,000
Jackson County Missouri 1 $ 176,000 $ 176,000 $ 102,000
Cass County Nebraska 1 $ 56,000 $ 56,000 $ 285,000
Dona Ana County New Mexico 1 $ 52,000 $ 52,000 $ 21,000
Sandoval County New Mexico 1 $ 424,000 $ 424,000 $ 205,000
Santa Fe County New Mexico 1 $ 825,000 $ 825,000 $ 195,000
Albany County New York 1 $ 158,000 $ 158,000 $ 91,000
Monroe County New York 1 $ 130,000 $ 130,000 $ 147,000
Buncombe County North Carolina 1 $ 180,000 $ 180,000 $ 98,000
Durham County North Carolina 1 $ 207,000 $ 207,000 $ 169,000
New Hanover County North Carolina 1 $ 116,000 $ 116,000 $ 158,000
Wake County North Carolina 1 $ 513,000 $ 513,000 $ 152,000
Franklin County Ohio 1 $ 117,000 $ 117,000 $ 163,000
Canadian County Oklahoma 1 $ 126,000 $ 126,000 $ 795,000
Tulsa County Oklahoma 1 $ 293,000 $ 293,000 $ 313,000
Deschutes County Oregon 1 $ 190,000 $ 190,000 $ 110,000
Hood River County Oregon 1 $ 361,000 $ 361,000 $ 162,000
Jackson County Oregon 1 $ 272,000 $ 272,000 $ 92,000
Wasco County Oregon 1 $ 171,000 $ 171,000 $ 63,000
Bucks County Pennsylvania 1 $ 85,000 $ 85,000 $ 245,000
Montgomery County Pennsylvania 1 $ 140,000 $ 140,000 $ 143,000
Clay County South Dakota 1 $ 70,000 $ 70,000 $ 115,000
Davidson County Tennessee 1 $ 333,000 $ 333,000 $ 287,000
Hardin County Tennessee 1 $ 199,000 $ 199,000 $ 98,000
Loudon County Tennessee 1 $ 196,000 $ 196,000 $ 205,000
Angelina County Texas 1 $ 45,000 $ 45,000 $ 370,000
Brazos County Texas 1 $ 192,000 $ 192,000 $ 377,000
Denton County Texas 1 $ 224,000 $ 224,000 $ 183,000
Fort Bend County Texas 1 $ 226,000 $ 226,000 $ 120,000
Kerr County Texas 1 $ 69,000 $ 69,000 $ 157,000
Parker County Texas 1 $ 100,000 $ 100,000 $ 121,000
Tom Green County Texas 1 $ 268,000 $ 268,000 $ 117,000
Cache County Utah 1 $ 203,000 $ 203,000 $ 145,000
Utah County Utah 1 $ 254,000 $ 254,000 $ 68,000
Alexandria County Virginia 1 $ 350,000 $ 350,000 $ 154,000
Chesapeake County Virginia 1 $ 150,000 $ 150,000 $ 135,000
Floyd County Virginia 1 $ 300,000 $ 300,000 $ 121,000
Loudoun County Virginia 1 $ 372,000 $ 372,000 $ 82,000
Chelan County Washington 1 $ 608,000 $ 608,000 $ 119,000
Clark County Washington 1 $ 276,000 $ 276,000 $ 63,000
Island County Washington 1 $ 136,000 $ 136,000 $ 49,000
Spokane County Washington 1 $ 340,000 $ 340,000 $ 244,000
Waukesha County Wisconsin 1 $ 260,000 $ 260,000 $ 88,000
Laramie County Wyoming 1 $ 133,000 $ 133,000 $ 61,000

Mortgage Loan Application Detail Totals for Star One Credit Union in 2017

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 1,140 $456,338,000 $400,000 $2,000,000 $176,000 $1,694,000
Home Purchase 965 $484,846,000 $502,000 $2,700,000 $185,000 $2,379,000
Home Improvement 151 $50,937,000 $337,000 $1,100,000 $180,000 $525,000

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 977 $400,699,000 $410,000 $2,000,000 $171,000 $1,694,000
Not Provided 583 $257,349,000 $441,000 $1,810,000 $193,000 $1,724,000
Asian 468 $242,846,000 $518,000 $2,700,000 $198,000 $2,379,000
Hispanic 167 $66,880,000 $400,000 $960,000 $146,000 $738,000
Black or African American 34 $14,065,000 $413,000 $765,000 $156,000 $392,000
Native Hawaiian or Other Pacific Islander 17 $6,734,000 $396,000 $934,000 $173,000 $288,000
American Indian or Alaskan Native 10 $3,548,000 $354,000 $696,000 $177,000 $351,000
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) 2,256 $992,121,000 $439,000 $2,700,000 $180,000 $2,379,000
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 1,239 $507,555,000 $409,000 $1,810,000 $182,000 $761,000
Preapproval Approved but not Accepted 442 $247,134,000 $559,000 $1,800,000 $197,000 $1,724,000
Application Denied By Financial Institution 234 $93,222,000 $398,000 $2,000,000 $138,000 $955,000
Application Approved But Not Accepted 143 $54,482,000 $380,000 $1,655,000 $213,000 $2,379,000
Preapproval Denied by Financial Institution 127 $62,111,000 $489,000 $2,700,000 $123,000 $510,000
Application Withdrawn By Applicant 41 $16,755,000 $408,000 $1,280,000 $253,000 $1,694,000
File Closed For Incompleteness 30 $10,862,000 $362,000 $1,005,000 $190,000 $420,000
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 122 $60,770,000 $498,000 $2,700,000 $166,000 $955,000
Debt-To-Income Ratio 88 $32,786,000 $372,000 $1,000,000 $83,000 $233,000
Other 62 $25,499,000 $411,000 $1,000,000 $130,000 $459,000
Credit History 24 $8,593,000 $358,000 $1,104,000 $144,000 $290,000
Insufficient Cash (Downpayment, Closing Cost) 19 $8,623,000 $453,000 $800,000 $103,000 $209,000
Employment History 11 $4,142,000 $376,000 $771,000 $112,000 $272,000
Collateral 9 $3,825,000 $425,000 $989,000 $137,000 $234,000
Unverifiable Information 7 $3,550,000 $507,000 $1,250,000 $178,000 $320,000
Mortgage Insurance Denied 4 $1,687,000 $421,000 $542,000 $130,000 $169,000

Our comprehensive HMDA mortgage statistics provide invaluable insights into Star One Credit Union's 2017 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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