Star One Credit Union Mortgage Lending & HMDA Data, 2017

In 2017, Star One Credit Union of Sunnyvale, CA reported 2,256 mortgage applications totaling $992.1 million, down 21% from 2016. The average application was for $439,769, and applicants reported an average income of $180,117. 55% of its applications resulted in an originated loan and 10% were denied. Its largest markets were San Jose-Sunnyvale-Santa Clara, CA (808), Oakland-Hayward-Berkeley, CA (182) and San Francisco-Redwood City-South San Francisco, CA (78) (applications in parentheses).

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 $439,769
Highest Mortgage Loan Application Amount $2,700,000
Average Applicant Income $180,117
Highest Applicant Income $2,379,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Star One Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.

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, California 800 $ 368,894,000 $ 461,117 $ 184,000
Alameda, California 138 $ 61,201,000 $ 443,485 $ 187,000
Santa Cruz, California 57 $ 27,589,000 $ 484,017 $ 194,000
San Mateo, California 56 $ 30,599,000 $ 546,410 $ 224,000
Contra Costa, California 44 $ 20,797,000 $ 472,659 $ 190,000
San Joaquin, California 38 $ 7,734,000 $ 203,526 $ 148,000
Placer, California 33 $ 10,801,000 $ 327,303 $ 137,000
Sacramento, California 28 $ 6,130,000 $ 218,928 $ 114,000
Los Angeles, California 22 $ 9,716,000 $ 441,636 $ 174,000
San Francisco, California 22 $ 11,898,000 $ 540,818 $ 251,000
San Diego, California 21 $ 7,299,000 $ 347,571 $ 153,000
Douglas, Colorado 18 $ 6,168,000 $ 342,666 $ 158,000
Stanislaus, California 14 $ 2,368,000 $ 169,142 $ 130,000
Washoe, Nevada 13 $ 4,498,000 $ 346,000 $ 143,000
Calaveras, California 12 $ 3,050,000 $ 254,166 $ 141,000
Monterey, California 11 $ 4,408,000 $ 400,727 $ 193,000
Sonoma, California 11 $ 4,699,000 $ 427,181 $ 179,000
Clark, Nevada 10 $ 1,785,000 $ 178,500 $ 158,000
El Dorado, California 9 $ 2,940,000 $ 326,666 $ 140,000
Merced, California 8 $ 1,754,000 $ 219,250 $ 104,000
Orange, California 8 $ 3,484,000 $ 435,500 $ 300,000
San Benito, California 8 $ 2,145,000 $ 268,125 $ 249,000
San Luis Obispo, California 8 $ 2,080,000 $ 260,000 $ 173,000
Maricopa, Arizona 7 $ 1,285,000 $ 183,571 $ 156,000
Riverside, California 7 $ 1,801,000 $ 257,285 $ 179,000
Arapahoe, Colorado 7 $ 2,322,000 $ 331,714 $ 128,000
Denver, Colorado 7 $ 2,894,000 $ 413,428 $ 187,000
Brevard, Florida 7 $ 1,923,000 $ 274,714 $ 177,000
Travis, Texas 7 $ 3,026,000 $ 432,285 $ 302,000
King, Washington 7 $ 2,799,000 $ 399,857 $ 122,000
Butte, California 6 $ 1,799,000 $ 299,833 $ 198,000
El Paso, Colorado 6 $ 1,744,000 $ 290,666 $ 144,000
Jefferson, Colorado 6 $ 2,441,000 $ 406,833 $ 234,000
Multnomah, Oregon 6 $ 1,543,000 $ 257,166 $ 168,000
Washington, Oregon 6 $ 2,450,000 $ 408,333 $ 404,000
Fresno, California 5 $ 1,586,000 $ 317,200 $ 166,000
Napa, California 5 $ 1,290,000 $ 258,000 $ 138,000
Santa Barbara, California 5 $ 868,000 $ 173,600 $ 121,000
Ventura, California 5 $ 1,256,000 $ 251,200 $ 159,000
Nevada, California 4 $ 1,604,000 $ 401,000 $ 228,000
Solano, California 4 $ 1,080,000 $ 270,000 $ 89,000
Clackamas, Oregon 4 $ 1,475,000 $ 368,750 $ 130,000
Pierce, Washington 4 $ 944,000 $ 236,000 $ 166,000
Lake, California 3 $ 994,000 $ 331,333 $ 130,000
Marin, California 3 $ 1,086,000 $ 362,000 $ 282,000
Mendocino, California 3 $ 1,882,000 $ 627,333 $ 99,000
San Bernardino, California 3 $ 512,000 $ 170,666 $ 233,000
Tuolumne, California 3 $ 488,000 $ 162,666 $ 130,000
Boulder, Colorado 3 $ 1,036,000 $ 345,333 $ 129,000
Collier, Florida 3 $ 429,000 $ 143,000 $ 218,000
Douglas, Nevada 3 $ 644,000 $ 214,666 $ 58,000
Oklahoma, Oklahoma 3 $ 334,000 $ 111,333 $ 796,000
Bexar, Texas 3 $ 230,000 $ 76,666 $ 112,000
Hays, Texas 3 $ 536,000 $ 178,666 $ 96,000
Williamson, Texas 3 $ 684,000 $ 228,000 $ 154,000
Pima, Arizona 2 $ 452,000 $ 226,000 $ 143,000
Pinal, Arizona 2 $ 220,000 $ 110,000 $ 50,000
Humboldt, California 2 $ 552,000 $ 276,000 $ 140,000
Kern, California 2 $ 461,000 $ 230,500 $ 79,000
Tehama, California 2 $ 370,000 $ 185,000 $ 112,000
Adams, Colorado 2 $ 401,000 $ 200,500 $ 62,000
Alamosa, Colorado 2 $ 965,000 $ 482,500 $ 142,000
Cobb, Georgia 2 $ 556,000 $ 278,000 $ 131,000
Hawaii, Hawaii 2 $ 670,000 $ 335,000 $ 222,000
Maui, Hawaii 2 $ 694,000 $ 347,000 $ 359,000
Ada, Idaho 2 $ 491,000 $ 245,500 $ 58,000
Canyon, Idaho 2 $ 332,000 $ 166,000 $ 56,000
Cook, Illinois 2 $ 240,000 $ 120,000 $ 293,000
Elkhart, Indiana 2 $ 308,000 $ 154,000 $ 167,000
Marion, Indiana 2 $ 69,000 $ 34,500 $ 110,000
Johnson, Kansas 2 $ 654,000 $ 327,000 $ 192,000
Orleans, Louisiana 2 $ 527,000 $ 263,500 $ 277,000
Middlesex, Massachusetts 2 $ 337,000 $ 168,500 $ 44,000
Oakland, Michigan 2 $ 80,000 $ 40,000 $ 52,000
Lyon, Nevada 2 $ 424,000 $ 212,000 $ 98,000
Nye, Nevada 2 $ 345,000 $ 172,500 $ 142,000
Bernalillo, New Mexico 2 $ 246,000 $ 123,000 $ 205,000
Lane, Oregon 2 $ 828,000 $ 414,000 $ 211,000
Williamson, Tennessee 2 $ 891,000 $ 445,500 $ 96,000
Dallas, Texas 2 $ 329,000 $ 164,500 $ 64,000
Tarrant, Texas 2 $ 348,000 $ 174,000 $ 130,000
Salt Lake, Utah 2 $ 337,000 $ 168,500 $ 149,000
Fairfax, Virginia 2 $ 786,000 $ 393,000 $ 182,000
Prince William, Virginia 2 $ 700,000 $ 350,000 $ 81,000
Kitsap, Washington 2 $ 804,000 $ 402,000 $ 131,000
Madison, Alabama 1 $ 47,000 $ 47,000 $ 163,000
Coconino, Arizona 1 $ 210,000 $ 210,000 $ 96,000
Mohave, Arizona 1 $ 144,000 $ 144,000 $ 257,000
Yavapai, Arizona 1 $ 580,000 $ 580,000 $ 96,000
Washington, Arkansas 1 $ 226,000 $ 226,000 $ 103,000
Glenn, California 1 $ 72,000 $ 72,000 $ 34,000
Lassen, California 1 $ 172,000 $ 172,000 $ 156,000
Madera, California 1 $ 221,000 $ 221,000 $ 67,000
Plumas, California 1 $ 54,000 $ 54,000 $ 80,000
Siskiyou, California 1 $ 82,000 $ 82,000 $ 120,000
Tulare, California 1 $ 34,000 $ 34,000 $ 305,000
Yolo, California 1 $ 305,000 $ 305,000 $ 224,000
Yuba, California 1 $ 250,000 $ 250,000 $ 111,000
Broomfield, Colorado 1 $ 84,000 $ 84,000 $ 73,000
Larimer, Colorado 1 $ 350,000 $ 350,000 $ 120,000
Pitkin, Colorado 1 $ 470,000 $ 470,000 $ 184,000
Routt, Colorado 1 $ 200,000 $ 200,000 $ 173,000
Summit, Colorado 1 $ 206,000 $ 206,000 $ 293,000
Teller, Colorado 1 $ 217,000 $ 217,000 $ 99,000
Fairfield, Connecticut 1 $ 386,000 $ 386,000 $ 147,000
District of Columbia, District Of Columbia 1 $ 333,000 $ 333,000 $ 140,000
Duval, Florida 1 $ 223,000 $ 223,000 $ 121,000
Lee, Florida 1 $ 136,000 $ 136,000 $ 61,000
Miami-Dade, Florida 1 $ 1,000,000 $ 1,000,000 $ 209,000
Palm Beach, Florida 1 $ 270,000 $ 270,000 $ 96,000
Pinellas, Florida 1 $ 48,000 $ 48,000 $ 20,000
Sarasota, Florida 1 $ 345,000 $ 345,000 $ 59,000
Walton, Florida 1 $ 150,000 $ 150,000 $ 336,000
Chatham, Georgia 1 $ 304,000 $ 304,000 $ 96,000
DeKalb, Georgia 1 $ 433,000 $ 433,000 $ 126,000
Gwinnett, Georgia 1 $ 200,000 $ 200,000 $ 155,000
Kauai, Hawaii 1 $ 266,000 $ 266,000 $ 250,000
Blaine, Idaho 1 $ 243,000 $ 243,000 $ 98,000
Kootenai, Idaho 1 $ 153,000 $ 153,000 $ 127,000
Teton, Idaho 1 $ 221,000 $ 221,000 $ 150,000
Twin Falls, Idaho 1 $ 172,000 $ 172,000 $ 59,000
DuPage, Illinois 1 $ 193,000 $ 193,000 $ 209,000
Polk, Iowa 1 $ 316,000 $ 316,000 $ 195,000
St. Tammany, Louisiana 1 $ 275,000 $ 275,000 $ 164,000
Talbot, Maryland 1 $ 152,000 $ 152,000 $ 380,000
Norfolk, Massachusetts 1 $ 1,470,000 $ 1,470,000 $ 600,000
Wayne, Michigan 1 $ 49,000 $ 49,000 $ 44,000
Hancock, Mississippi 1 $ 91,000 $ 91,000 $ 182,000
Jackson, Mississippi 1 $ 188,000 $ 188,000 $ 118,000
Jackson, Missouri 1 $ 176,000 $ 176,000 $ 102,000
Cass, Nebraska 1 $ 56,000 $ 56,000 $ 285,000
Dona Ana, New Mexico 1 $ 52,000 $ 52,000 $ 21,000
Sandoval, New Mexico 1 $ 424,000 $ 424,000 $ 205,000
Santa Fe, New Mexico 1 $ 825,000 $ 825,000 $ 195,000
Albany, New York 1 $ 158,000 $ 158,000 $ 91,000
Monroe, New York 1 $ 130,000 $ 130,000 $ 147,000
Buncombe, North Carolina 1 $ 180,000 $ 180,000 $ 98,000
Durham, North Carolina 1 $ 207,000 $ 207,000 $ 169,000
New Hanover, North Carolina 1 $ 116,000 $ 116,000 $ 158,000
Wake, North Carolina 1 $ 513,000 $ 513,000 $ 152,000
Franklin, Ohio 1 $ 117,000 $ 117,000 $ 163,000
Canadian, Oklahoma 1 $ 126,000 $ 126,000 $ 795,000
Tulsa, Oklahoma 1 $ 293,000 $ 293,000 $ 313,000
Deschutes, Oregon 1 $ 190,000 $ 190,000 $ 110,000
Hood River, Oregon 1 $ 361,000 $ 361,000 $ 162,000
Jackson, Oregon 1 $ 272,000 $ 272,000 $ 92,000
Wasco, Oregon 1 $ 171,000 $ 171,000 $ 63,000
Bucks, Pennsylvania 1 $ 85,000 $ 85,000 $ 245,000
Montgomery, Pennsylvania 1 $ 140,000 $ 140,000 $ 143,000
Clay, South Dakota 1 $ 70,000 $ 70,000 $ 115,000
Davidson, Tennessee 1 $ 333,000 $ 333,000 $ 287,000
Hardin, Tennessee 1 $ 199,000 $ 199,000 $ 98,000
Loudon, Tennessee 1 $ 196,000 $ 196,000 $ 205,000
Angelina, Texas 1 $ 45,000 $ 45,000 $ 370,000
Brazos, Texas 1 $ 192,000 $ 192,000 $ 377,000
Denton, Texas 1 $ 224,000 $ 224,000 $ 183,000
Fort Bend, Texas 1 $ 226,000 $ 226,000 $ 120,000
Kerr, Texas 1 $ 69,000 $ 69,000 $ 157,000
Parker, Texas 1 $ 100,000 $ 100,000 $ 121,000
Tom Green, Texas 1 $ 268,000 $ 268,000 $ 117,000
Cache, Utah 1 $ 203,000 $ 203,000 $ 145,000
Utah, Utah 1 $ 254,000 $ 254,000 $ 68,000
Alexandria, Virginia 1 $ 350,000 $ 350,000 $ 154,000
Chesapeake, Virginia 1 $ 150,000 $ 150,000 $ 135,000
Floyd, Virginia 1 $ 300,000 $ 300,000 $ 121,000
Loudoun, Virginia 1 $ 372,000 $ 372,000 $ 82,000
Chelan, Washington 1 $ 608,000 $ 608,000 $ 119,000
Clark, Washington 1 $ 276,000 $ 276,000 $ 63,000
Island, Washington 1 $ 136,000 $ 136,000 $ 49,000
Spokane, Washington 1 $ 340,000 $ 340,000 $ 244,000
Waukesha, Wisconsin 1 $ 260,000 $ 260,000 $ 88,000
Laramie, 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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