Star One Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2018
Star One Credit Union 2018 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 | 2,806 |
| Total Mortgage Loan Application Amount | $1,074,860,000 |
| Average Mortgage Loan Application Amount | $383,600 |
| Highest Mortgage Loan Application Amount | $3,005,000 |
| Average Applicant Income | $182,600 |
| Highest Applicant Income | $3,100,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2018 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 2018 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 2018.
| 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 | 1,257 | $ 429,805,000 | $ 341,000 | $ 184,000 |
| Alameda County California | 174 | $ 65,150,000 | $ 374,000 | $ 192,000 |
| Santa Cruz County California | 66 | $ 19,410,000 | $ 294,000 | $ 169,000 |
| San Mateo County California | 63 | $ 29,045,000 | $ 461,000 | $ 221,000 |
| Contra Costa County California | 62 | $ 22,390,000 | $ 361,000 | $ 204,000 |
| San Joaquin County California | 40 | $ 11,310,000 | $ 282,000 | $ 150,000 |
| Sacramento County California | 33 | $ 7,105,000 | $ 215,000 | $ 146,000 |
| Placer County California | 28 | $ 7,580,000 | $ 270,000 | $ 142,000 |
| San Francisco County California | 23 | $ 9,525,000 | $ 414,000 | $ 236,000 |
| El Dorado County California | 19 | $ 3,135,000 | $ 165,000 | $ 119,000 |
| San Diego County California | 19 | $ 6,985,000 | $ 367,000 | $ 161,000 |
| San Luis Obispo County California | 17 | $ 4,365,000 | $ 256,000 | $ 207,000 |
| Stanislaus County California | 16 | $ 3,340,000 | $ 208,000 | $ 144,000 |
| Orange County California | 15 | $ 6,605,000 | $ 440,000 | $ 181,000 |
| Los Angeles County California | 13 | $ 4,885,000 | $ 375,000 | $ 214,000 |
| Fresno County California | 11 | $ 2,735,000 | $ 248,000 | $ 202,000 |
| Sonoma County California | 11 | $ 4,025,000 | $ 365,000 | $ 166,000 |
| Washoe County Nevada | 11 | $ 3,575,000 | $ 325,000 | $ 175,000 |
| Maricopa County Arizona | 10 | $ 3,110,000 | $ 311,000 | $ 278,000 |
| Butte County California | 10 | $ 2,250,000 | $ 225,000 | $ 157,000 |
| Douglas County Colorado | 10 | $ 4,710,000 | $ 471,000 | $ 209,000 |
| King County Washington | 9 | $ 4,895,000 | $ 543,000 | $ 181,000 |
| Marin County California | 8 | $ 2,170,000 | $ 271,000 | $ 229,000 |
| San Benito County California | 8 | $ 1,860,000 | $ 232,000 | $ 107,000 |
| Cuyahoga County Ohio | 8 | $ 390,000 | $ 48,000 | $ 146,000 |
| Calaveras County California | 7 | $ 1,385,000 | $ 197,000 | $ 243,000 |
| Monterey County California | 7 | $ 2,365,000 | $ 337,000 | $ 170,000 |
| Boulder County Colorado | 7 | $ 2,775,000 | $ 396,000 | $ 203,000 |
| Clark County Nevada | 7 | $ 2,185,000 | $ 312,000 | $ 128,000 |
| Nevada County California | 6 | $ 1,590,000 | $ 265,000 | $ 147,000 |
| Jefferson County Colorado | 6 | $ 2,210,000 | $ 368,000 | $ 152,000 |
| Merced County California | 5 | $ 735,000 | $ 147,000 | $ 78,000 |
| Yolo County California | 5 | $ 855,000 | $ 171,000 | $ 198,000 |
| Denver County Colorado | 5 | $ 1,935,000 | $ 387,000 | $ 138,000 |
| El Paso County Colorado | 5 | $ 1,305,000 | $ 261,000 | $ 106,000 |
| Harris County Texas | 5 | $ 1,055,000 | $ 211,000 | $ 290,000 |
| Travis County Texas | 5 | $ 2,455,000 | $ 491,000 | $ 189,000 |
| Madera County California | 4 | $ 800,000 | $ 200,000 | $ 128,000 |
| Solano County California | 4 | $ 900,000 | $ 225,000 | $ 216,000 |
| Pinellas County Florida | 4 | $ 590,000 | $ 147,000 | $ 211,000 |
| Ada County Idaho | 4 | $ 770,000 | $ 192,000 | $ 119,000 |
| Marion County Indiana | 4 | $ 300,000 | $ 75,000 | $ 165,000 |
| Douglas County Nevada | 4 | $ 1,270,000 | $ 317,000 | $ 200,000 |
| Williamson County Texas | 4 | $ 600,000 | $ 150,000 | $ 89,000 |
| Amador County California | 3 | $ 435,000 | $ 145,000 | $ 113,000 |
| Napa County California | 3 | $ 865,000 | $ 288,000 | $ 91,000 |
| Riverside County California | 3 | $ 785,000 | $ 261,000 | $ 133,000 |
| Santa Barbara County California | 3 | $ 895,000 | $ 298,000 | $ 149,000 |
| Ventura County California | 3 | $ 865,000 | $ 288,000 | $ 163,000 |
| Arapahoe County Colorado | 3 | $ 1,685,000 | $ 561,000 | $ 206,000 |
| Brevard County Florida | 3 | $ 975,000 | $ 325,000 | $ 182,000 |
| Hawaii County Hawaii | 3 | $ 1,285,000 | $ 428,000 | $ 165,000 |
| Orleans County Louisiana | 3 | $ 1,395,000 | $ 465,000 | $ 133,000 |
| Wayne County Michigan | 3 | $ 175,000 | $ 58,000 | $ 66,000 |
| Mecklenburg County North Carolina | 3 | $ 255,000 | $ 85,000 | $ 135,000 |
| Clackamas County Oregon | 3 | $ 1,065,000 | $ 355,000 | $ 217,000 |
| Washington County Oregon | 3 | $ 715,000 | $ 238,000 | $ 134,000 |
| Bexar County Texas | 3 | $ 315,000 | $ 105,000 | $ 116,000 |
| Dallas County Texas | 3 | $ 435,000 | $ 145,000 | $ 146,000 |
| Jefferson County Washington | 3 | $ 545,000 | $ 181,000 | $ 87,000 |
| Pima County Arizona | 2 | $ 560,000 | $ 280,000 | $ 213,000 |
| Humboldt County California | 2 | $ 510,000 | $ 255,000 | $ 744,000 |
| Tuolumne County California | 2 | $ 450,000 | $ 225,000 | $ 89,000 |
| Adams County Colorado | 2 | $ 630,000 | $ 315,000 | $ 152,000 |
| Baltimore City County Maryland | 2 | $ 570,000 | $ 285,000 | $ 92,000 |
| Oakland County Michigan | 2 | $ 90,000 | $ 45,000 | $ 40,000 |
| Hennepin County Minnesota | 2 | $ 1,200,000 | $ 600,000 | $ 287,000 |
| Jackson County Missouri | 2 | $ 200,000 | $ 100,000 | $ 114,000 |
| Carson City County Nevada | 2 | $ 610,000 | $ 305,000 | $ 192,000 |
| Warren County Ohio | 2 | $ 880,000 | $ 440,000 | $ 131,000 |
| Jackson County Oregon | 2 | $ 650,000 | $ 325,000 | $ 126,000 |
| Multnomah County Oregon | 2 | $ 710,000 | $ 355,000 | $ 270,000 |
| Yamhill County Oregon | 2 | $ 1,190,000 | $ 595,000 | $ 157,000 |
| Greenville County South Carolina | 2 | $ 540,000 | $ 270,000 | $ 258,000 |
| Williamson County Tennessee | 2 | $ 1,120,000 | $ 560,000 | $ 247,000 |
| Bell County Texas | 2 | $ 290,000 | $ 145,000 | $ 133,000 |
| Loudoun County Virginia | 2 | $ 1,000,000 | $ 500,000 | $ 264,000 |
| Waukesha County Wisconsin | 2 | $ 790,000 | $ 395,000 | $ 134,000 |
| Madison County Alabama | 1 | $ 145,000 | $ 145,000 | $ 282,000 |
| Mohave County Arizona | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Yavapai County Arizona | 1 | $ 65,000 | $ 65,000 | $ 29,000 |
| Garland County Arkansas | 1 | $ 85,000 | $ 85,000 | $ 84,000 |
| Mendocino County California | 1 | $ 245,000 | $ 245,000 | $ 48,000 |
| Plumas County California | 1 | $ 305,000 | $ 305,000 | $ 103,000 |
| San Bernardino County California | 1 | $ 155,000 | $ 155,000 | $ 117,000 |
| Shasta County California | 1 | $ 125,000 | $ 125,000 | $ 76,000 |
| Sutter County California | 1 | $ 35,000 | $ 35,000 | $ 52,000 |
| Tehama County California | 1 | $ 95,000 | $ 95,000 | $ 44,000 |
| Larimer County Colorado | 1 | $ 175,000 | $ 175,000 | $ 81,000 |
| Teller County Colorado | 1 | $ 105,000 | $ 105,000 | $ 140,000 |
| Weld County Colorado | 1 | $ 295,000 | $ 295,000 | $ 142,000 |
| Hartford County Connecticut | 1 | $ 305,000 | $ 305,000 | $ 120,000 |
| District of Columbia County District Of Columbia | 1 | $ 465,000 | $ 465,000 | $ 120,000 |
| Broward County Florida | 1 | $ 75,000 | $ 75,000 | $ 104,000 |
| Duval County Florida | 1 | $ 115,000 | $ 115,000 | $ 140,000 |
| Escambia County Florida | 1 | $ 65,000 | $ 65,000 | $ 60,000 |
| Franklin County Florida | 1 | $ 245,000 | $ 245,000 | $ 146,000 |
| Nassau County Florida | 1 | $ 385,000 | $ 385,000 | $ 192,000 |
| Orange County Florida | 1 | $ 245,000 | $ 245,000 | $ 124,000 |
| Polk County Florida | 1 | $ 95,000 | $ 95,000 | $ 29,000 |
| Camden County Georgia | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Cherokee County Georgia | 1 | $ 195,000 | $ 195,000 | $ 47,000 |
| Gwinnett County Georgia | 1 | $ 135,000 | $ 135,000 | $ 83,000 |
| Paulding County Georgia | 1 | $ 85,000 | $ 85,000 | $ 91,000 |
| Canyon County Idaho | 1 | $ 175,000 | $ 175,000 | $ 144,000 |
| DeKalb County Illinois | 1 | $ 265,000 | $ 265,000 | $ 174,000 |
| DuPage County Illinois | 1 | $ 245,000 | $ 245,000 | $ 85,000 |
| Madison County Illinois | 1 | $ 95,000 | $ 95,000 | $ 160,000 |
| Tazewell County Illinois | 1 | $ 115,000 | $ 115,000 | $ 98,000 |
| Hancock County Indiana | 1 | $ 125,000 | $ 125,000 | $ 34,000 |
| Hendricks County Indiana | 1 | $ 95,000 | $ 95,000 | $ 163,000 |
| Johnson County Indiana | 1 | $ 75,000 | $ 75,000 | $ 206,000 |
| Delaware County Iowa | 1 | $ 85,000 | $ 85,000 | $ 75,000 |
| Winnebago County Iowa | 1 | $ 55,000 | $ 55,000 | $ 120,000 |
| Montgomery County Maryland | 1 | $ 755,000 | $ 755,000 | $ 159,000 |
| Washington County Minnesota | 1 | $ 175,000 | $ 175,000 | $ 88,000 |
| Lewis and Clark County Montana | 1 | $ 385,000 | $ 385,000 | $ 120,000 |
| Douglas County Nebraska | 1 | $ 45,000 | $ 45,000 | $ 127,000 |
| Humboldt County Nevada | 1 | $ 75,000 | $ 75,000 | $ 154,000 |
| Nye County Nevada | 1 | $ 85,000 | $ 85,000 | $ 37,000 |
| Hudson County New Jersey | 1 | $ 565,000 | $ 565,000 | $ 205,000 |
| Monmouth County New Jersey | 1 | $ 415,000 | $ 415,000 | $ 138,000 |
| Bernalillo County New Mexico | 1 | $ 155,000 | $ 155,000 | $ 177,000 |
| Santa Fe County New Mexico | 1 | $ 1,005,000 | $ 1,005,000 | $ 191,000 |
| Erie County New York | 1 | $ 85,000 | $ 85,000 | $ 133,000 |
| Kings County New York | 1 | $ 455,000 | $ 455,000 | $ 180,000 |
| Chatham County North Carolina | 1 | $ 275,000 | $ 275,000 | $ 66,000 |
| Richmond County North Carolina | 1 | $ 85,000 | $ 85,000 | $ 36,000 |
| Transylvania County North Carolina | 1 | $ 255,000 | $ 255,000 | $ 120,000 |
| Union County North Carolina | 1 | $ 245,000 | $ 245,000 | $ 110,000 |
| Wake County North Carolina | 1 | $ 415,000 | $ 415,000 | $ 170,000 |
| Clatsop County Oregon | 1 | $ 105,000 | $ 105,000 | $ 69,000 |
| Deschutes County Oregon | 1 | $ 535,000 | $ 535,000 | $ 223,000 |
| Josephine County Oregon | 1 | $ 205,000 | $ 205,000 | $ 58,000 |
| Berks County Pennsylvania | 1 | $ 95,000 | $ 95,000 | $ 65,000 |
| Westmoreland County Pennsylvania | 1 | $ 345,000 | $ 345,000 | $ 200,000 |
| Berkeley County South Carolina | 1 | $ 375,000 | $ 375,000 | $ 40,000 |
| Charleston County South Carolina | 1 | $ 705,000 | $ 705,000 | $ 168,000 |
| Pickens County South Carolina | 1 | $ 255,000 | $ 255,000 | $ 80,000 |
| Davidson County Tennessee | 1 | $ 195,000 | $ 195,000 | $ 294,000 |
| Collin County Texas | 1 | $ 255,000 | $ 255,000 | $ 351,000 |
| Hays County Texas | 1 | $ 265,000 | $ 265,000 | $ 66,000 |
| Hidalgo County Texas | 1 | $ 245,000 | $ 245,000 | $ 204,000 |
| Kaufman County Texas | 1 | $ 125,000 | $ 125,000 | $ 292,000 |
| Tarrant County Texas | 1 | $ 135,000 | $ 135,000 | $ 238,000 |
| Davis County Utah | 1 | $ 105,000 | $ 105,000 | $ 287,000 |
| Salt Lake County Utah | 1 | $ 485,000 | $ 485,000 | $ 223,000 |
| Wasatch County Utah | 1 | $ 375,000 | $ 375,000 | $ 192,000 |
| Lamoille County Vermont | 1 | $ 225,000 | $ 225,000 | $ 238,000 |
| Alexandria County Virginia | 1 | $ 325,000 | $ 325,000 | $ 71,000 |
| Fairfax County Virginia | 1 | $ 685,000 | $ 685,000 | $ 158,000 |
| Snohomish County Washington | 1 | $ 495,000 | $ 495,000 | $ 152,000 |
| Spokane County Washington | 1 | $ 85,000 | $ 85,000 | $ 72,000 |
| Whitman County Washington | 1 | $ 235,000 | $ 235,000 | $ 110,000 |
| Milwaukee County Wisconsin | 1 | $ 35,000 | $ 35,000 | $ 118,000 |
Mortgage Loan Application Detail Totals for Star One Credit Union in 2018
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 |
|---|---|---|---|---|---|---|
| Home Purchase | 1,116 | $576,500,000 | $516,000 | $3,005,000 | $193,000 | $3,100,000 |
| Other Purpose | 745 | $213,865,000 | $287,000 | $1,805,000 | $171,000 | $2,400,000 |
| Home Improvement | 630 | $136,250,000 | $216,000 | $1,905,000 | $187,000 | $793,000 |
| Cash-out Refinancing | 213 | $108,305,000 | $508,000 | $1,905,000 | $167,000 | $453,000 |
| Refinancing | 102 | $39,940,000 | $391,000 | $1,125,000 | $195,000 | $1,019,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 1,267 | $448,155,000 | $353,000 | $2,005,000 | $172,000 | $2,400,000 |
| Not Provided | 614 | $235,050,000 | $382,000 | $3,005,000 | $202,000 | $1,356,000 |
| Asian | 563 | $256,745,000 | $456,000 | $2,255,000 | $198,000 | $3,100,000 |
| Hispanic | 185 | $66,075,000 | $357,000 | $1,975,000 | $157,000 | $431,000 |
| Black or African American | 55 | $17,075,000 | $310,000 | $1,205,000 | $162,000 | $890,000 |
| American Indian or Alaskan Native | 8 | $2,370,000 | $296,000 | $715,000 | $192,000 | $296,000 |
| Native Hawaiian or Other Pacific Islander | 4 | $1,580,000 | $395,000 | $805,000 | $147,000 | $195,000 |
| 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) | 2,806 | $1,074,860,000 | $383,000 | $3,005,000 | $184,000 | $3,100,000 |
| 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 | 1,641 | $548,965,000 | $334,000 | $3,005,000 | $186,000 | $1,440,000 |
| Preapproval Approved but not Accepted | 385 | $219,065,000 | $569,000 | $2,005,000 | $200,000 | $919,000 |
| Application Denied By Financial Institution | 309 | $104,165,000 | $337,000 | $1,975,000 | $154,000 | $2,400,000 |
| Application Approved But Not Accepted | 306 | $120,140,000 | $392,000 | $2,005,000 | $197,000 | $890,000 |
| Preapproval Denied by Financial Institution | 101 | $57,575,000 | $570,000 | $2,255,000 | $168,000 | $3,100,000 |
| Application Withdrawn By Applicant | 58 | $22,200,000 | $382,000 | $1,235,000 | $159,000 | $992,000 |
| File Closed For Incompleteness | 6 | $2,750,000 | $458,000 | $845,000 | $201,000 | $430,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 2,396 | $913,120,000 | $381,000 | $3,005,000 | $189,000 | $1,440,000 |
| Debt-To-Income Ratio | 150 | $61,220,000 | $408,000 | $2,255,000 | $97,000 | $380,000 |
| Credit Application Incomplete | 148 | $68,500,000 | $462,000 | $1,735,000 | $198,000 | $3,100,000 |
| Other | 47 | $11,535,000 | $245,000 | $935,000 | $180,000 | $520,000 |
| Credit History | 35 | $9,655,000 | $275,000 | $755,000 | $234,000 | $1,404,000 |
| Unverifiable Information | 14 | $5,070,000 | $362,000 | $1,405,000 | $120,000 | $315,000 |
| Collateral | 7 | $1,985,000 | $283,000 | $605,000 | $215,000 | $371,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $1,660,000 | $415,000 | $825,000 | $90,000 | $195,000 |
| Employment History | 3 | $645,000 | $215,000 | $355,000 | $120,000 | $180,000 |
| Mortgage Insurance Denied | 2 | $1,470,000 | $735,000 | $885,000 | $238,000 | $301,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Star One Credit Union's 2018 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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