Star One Credit Union Mortgage Lending & HMDA Data, 2018
In 2018, Star One Credit Union of Sunnyvale, CA reported 2,806 mortgage applications totaling $1.1 billion, up 24% from 2017. The average application was for $383,057, and applicants reported an average income of $183,910. 58% of its applications resulted in an originated loan and 11% were denied. Its largest markets were San Jose-Sunnyvale-Santa Clara, CA (1,265), Oakland-Hayward-Berkeley, CA (236) and San Francisco-Redwood City-South San Francisco, CA (86) (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 | 2,806 |
| Total Mortgage Loan Application Amount | $1,074,860,000 |
| Average Mortgage Loan Application Amount | $383,057 |
| Highest Mortgage Loan Application Amount | $3,005,000 |
| Average Applicant Income | $183,910 |
| Highest Applicant Income | $3,100,000 |
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(HMDA) records Star One Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| 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 | 1,257 | $ 429,805,000 | $ 341,929 | $ 184,000 |
| Alameda, California | 174 | $ 65,150,000 | $ 374,425 | $ 192,000 |
| Santa Cruz, California | 66 | $ 19,410,000 | $ 294,090 | $ 169,000 |
| San Mateo, California | 63 | $ 29,045,000 | $ 461,031 | $ 221,000 |
| Contra Costa, California | 62 | $ 22,390,000 | $ 361,129 | $ 204,000 |
| San Joaquin, California | 40 | $ 11,310,000 | $ 282,750 | $ 150,000 |
| Sacramento, California | 33 | $ 7,105,000 | $ 215,303 | $ 146,000 |
| Placer, California | 28 | $ 7,580,000 | $ 270,714 | $ 142,000 |
| San Francisco, California | 23 | $ 9,525,000 | $ 414,130 | $ 236,000 |
| El Dorado, California | 19 | $ 3,135,000 | $ 165,000 | $ 119,000 |
| San Diego, California | 19 | $ 6,985,000 | $ 367,631 | $ 161,000 |
| San Luis Obispo, California | 17 | $ 4,365,000 | $ 256,764 | $ 207,000 |
| Stanislaus, California | 16 | $ 3,340,000 | $ 208,750 | $ 144,000 |
| Orange, California | 15 | $ 6,605,000 | $ 440,333 | $ 181,000 |
| Los Angeles, California | 13 | $ 4,885,000 | $ 375,769 | $ 214,000 |
| Fresno, California | 11 | $ 2,735,000 | $ 248,636 | $ 202,000 |
| Sonoma, California | 11 | $ 4,025,000 | $ 365,909 | $ 166,000 |
| Washoe, Nevada | 11 | $ 3,575,000 | $ 325,000 | $ 175,000 |
| Maricopa, Arizona | 10 | $ 3,110,000 | $ 311,000 | $ 278,000 |
| Butte, California | 10 | $ 2,250,000 | $ 225,000 | $ 157,000 |
| Douglas, Colorado | 10 | $ 4,710,000 | $ 471,000 | $ 209,000 |
| King, Washington | 9 | $ 4,895,000 | $ 543,888 | $ 181,000 |
| Marin, California | 8 | $ 2,170,000 | $ 271,250 | $ 229,000 |
| San Benito, California | 8 | $ 1,860,000 | $ 232,500 | $ 107,000 |
| Cuyahoga, Ohio | 8 | $ 390,000 | $ 48,750 | $ 146,000 |
| Calaveras, California | 7 | $ 1,385,000 | $ 197,857 | $ 243,000 |
| Monterey, California | 7 | $ 2,365,000 | $ 337,857 | $ 170,000 |
| Boulder, Colorado | 7 | $ 2,775,000 | $ 396,428 | $ 203,000 |
| Clark, Nevada | 7 | $ 2,185,000 | $ 312,142 | $ 128,000 |
| Nevada, California | 6 | $ 1,590,000 | $ 265,000 | $ 147,000 |
| Jefferson, Colorado | 6 | $ 2,210,000 | $ 368,333 | $ 152,000 |
| Merced, California | 5 | $ 735,000 | $ 147,000 | $ 78,000 |
| Yolo, California | 5 | $ 855,000 | $ 171,000 | $ 198,000 |
| Denver, Colorado | 5 | $ 1,935,000 | $ 387,000 | $ 138,000 |
| El Paso, Colorado | 5 | $ 1,305,000 | $ 261,000 | $ 106,000 |
| Harris, Texas | 5 | $ 1,055,000 | $ 211,000 | $ 290,000 |
| Travis, Texas | 5 | $ 2,455,000 | $ 491,000 | $ 189,000 |
| Madera, California | 4 | $ 800,000 | $ 200,000 | $ 128,000 |
| Solano, California | 4 | $ 900,000 | $ 225,000 | $ 216,000 |
| Pinellas, Florida | 4 | $ 590,000 | $ 147,500 | $ 211,000 |
| Ada, Idaho | 4 | $ 770,000 | $ 192,500 | $ 119,000 |
| Marion, Indiana | 4 | $ 300,000 | $ 75,000 | $ 165,000 |
| Douglas, Nevada | 4 | $ 1,270,000 | $ 317,500 | $ 200,000 |
| Williamson, Texas | 4 | $ 600,000 | $ 150,000 | $ 89,000 |
| Amador, California | 3 | $ 435,000 | $ 145,000 | $ 113,000 |
| Napa, California | 3 | $ 865,000 | $ 288,333 | $ 91,000 |
| Riverside, California | 3 | $ 785,000 | $ 261,666 | $ 133,000 |
| Santa Barbara, California | 3 | $ 895,000 | $ 298,333 | $ 149,000 |
| Ventura, California | 3 | $ 865,000 | $ 288,333 | $ 163,000 |
| Arapahoe, Colorado | 3 | $ 1,685,000 | $ 561,666 | $ 206,000 |
| Brevard, Florida | 3 | $ 975,000 | $ 325,000 | $ 182,000 |
| Hawaii, Hawaii | 3 | $ 1,285,000 | $ 428,333 | $ 165,000 |
| Orleans, Louisiana | 3 | $ 1,395,000 | $ 465,000 | $ 133,000 |
| Wayne, Michigan | 3 | $ 175,000 | $ 58,333 | $ 66,000 |
| Mecklenburg, North Carolina | 3 | $ 255,000 | $ 85,000 | $ 135,000 |
| Clackamas, Oregon | 3 | $ 1,065,000 | $ 355,000 | $ 217,000 |
| Washington, Oregon | 3 | $ 715,000 | $ 238,333 | $ 134,000 |
| Bexar, Texas | 3 | $ 315,000 | $ 105,000 | $ 116,000 |
| Dallas, Texas | 3 | $ 435,000 | $ 145,000 | $ 146,000 |
| Jefferson, Washington | 3 | $ 545,000 | $ 181,666 | $ 87,000 |
| Pima, Arizona | 2 | $ 560,000 | $ 280,000 | $ 213,000 |
| Humboldt, California | 2 | $ 510,000 | $ 255,000 | $ 744,000 |
| Tuolumne, California | 2 | $ 450,000 | $ 225,000 | $ 89,000 |
| Adams, Colorado | 2 | $ 630,000 | $ 315,000 | $ 152,000 |
| Baltimore City, Maryland | 2 | $ 570,000 | $ 285,000 | $ 92,000 |
| Oakland, Michigan | 2 | $ 90,000 | $ 45,000 | $ 40,000 |
| Hennepin, Minnesota | 2 | $ 1,200,000 | $ 600,000 | $ 287,000 |
| Jackson, Missouri | 2 | $ 200,000 | $ 100,000 | $ 114,000 |
| Carson City, Nevada | 2 | $ 610,000 | $ 305,000 | $ 192,000 |
| Warren, Ohio | 2 | $ 880,000 | $ 440,000 | $ 131,000 |
| Jackson, Oregon | 2 | $ 650,000 | $ 325,000 | $ 126,000 |
| Multnomah, Oregon | 2 | $ 710,000 | $ 355,000 | $ 270,000 |
| Yamhill, Oregon | 2 | $ 1,190,000 | $ 595,000 | $ 157,000 |
| Greenville, South Carolina | 2 | $ 540,000 | $ 270,000 | $ 258,000 |
| Williamson, Tennessee | 2 | $ 1,120,000 | $ 560,000 | $ 247,000 |
| Bell, Texas | 2 | $ 290,000 | $ 145,000 | $ 133,000 |
| Loudoun, Virginia | 2 | $ 1,000,000 | $ 500,000 | $ 264,000 |
| Waukesha, Wisconsin | 2 | $ 790,000 | $ 395,000 | $ 134,000 |
| Madison, Alabama | 1 | $ 145,000 | $ 145,000 | $ 282,000 |
| Mohave, Arizona | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Yavapai, Arizona | 1 | $ 65,000 | $ 65,000 | $ 29,000 |
| Garland, Arkansas | 1 | $ 85,000 | $ 85,000 | $ 84,000 |
| Mendocino, California | 1 | $ 245,000 | $ 245,000 | $ 48,000 |
| Plumas, California | 1 | $ 305,000 | $ 305,000 | $ 103,000 |
| San Bernardino, California | 1 | $ 155,000 | $ 155,000 | $ 117,000 |
| Shasta, California | 1 | $ 125,000 | $ 125,000 | $ 76,000 |
| Sutter, California | 1 | $ 35,000 | $ 35,000 | $ 52,000 |
| Tehama, California | 1 | $ 95,000 | $ 95,000 | $ 44,000 |
| Larimer, Colorado | 1 | $ 175,000 | $ 175,000 | $ 81,000 |
| Teller, Colorado | 1 | $ 105,000 | $ 105,000 | $ 140,000 |
| Weld, Colorado | 1 | $ 295,000 | $ 295,000 | $ 142,000 |
| Hartford, Connecticut | 1 | $ 305,000 | $ 305,000 | $ 120,000 |
| District of Columbia, District Of Columbia | 1 | $ 465,000 | $ 465,000 | $ 120,000 |
| Broward, Florida | 1 | $ 75,000 | $ 75,000 | $ 104,000 |
| Duval, Florida | 1 | $ 115,000 | $ 115,000 | $ 140,000 |
| Escambia, Florida | 1 | $ 65,000 | $ 65,000 | $ 60,000 |
| Franklin, Florida | 1 | $ 245,000 | $ 245,000 | $ 146,000 |
| Nassau, Florida | 1 | $ 385,000 | $ 385,000 | $ 192,000 |
| Orange, Florida | 1 | $ 245,000 | $ 245,000 | $ 124,000 |
| Polk, Florida | 1 | $ 95,000 | $ 95,000 | $ 29,000 |
| Camden, Georgia | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Cherokee, Georgia | 1 | $ 195,000 | $ 195,000 | $ 47,000 |
| Gwinnett, Georgia | 1 | $ 135,000 | $ 135,000 | $ 83,000 |
| Paulding, Georgia | 1 | $ 85,000 | $ 85,000 | $ 91,000 |
| Canyon, Idaho | 1 | $ 175,000 | $ 175,000 | $ 144,000 |
| DeKalb, Illinois | 1 | $ 265,000 | $ 265,000 | $ 174,000 |
| DuPage, Illinois | 1 | $ 245,000 | $ 245,000 | $ 85,000 |
| Madison, Illinois | 1 | $ 95,000 | $ 95,000 | $ 160,000 |
| Tazewell, Illinois | 1 | $ 115,000 | $ 115,000 | $ 98,000 |
| Hancock, Indiana | 1 | $ 125,000 | $ 125,000 | $ 34,000 |
| Hendricks, Indiana | 1 | $ 95,000 | $ 95,000 | $ 163,000 |
| Johnson, Indiana | 1 | $ 75,000 | $ 75,000 | $ 206,000 |
| Delaware, Iowa | 1 | $ 85,000 | $ 85,000 | $ 75,000 |
| Winnebago, Iowa | 1 | $ 55,000 | $ 55,000 | $ 120,000 |
| Montgomery, Maryland | 1 | $ 755,000 | $ 755,000 | $ 159,000 |
| Washington, Minnesota | 1 | $ 175,000 | $ 175,000 | $ 88,000 |
| Lewis and Clark, Montana | 1 | $ 385,000 | $ 385,000 | $ 120,000 |
| Douglas, Nebraska | 1 | $ 45,000 | $ 45,000 | $ 127,000 |
| Humboldt, Nevada | 1 | $ 75,000 | $ 75,000 | $ 154,000 |
| Nye, Nevada | 1 | $ 85,000 | $ 85,000 | $ 37,000 |
| Hudson, New Jersey | 1 | $ 565,000 | $ 565,000 | $ 205,000 |
| Monmouth, New Jersey | 1 | $ 415,000 | $ 415,000 | $ 138,000 |
| Bernalillo, New Mexico | 1 | $ 155,000 | $ 155,000 | $ 177,000 |
| Santa Fe, New Mexico | 1 | $ 1,005,000 | $ 1,005,000 | $ 191,000 |
| Erie, New York | 1 | $ 85,000 | $ 85,000 | $ 133,000 |
| Kings, New York | 1 | $ 455,000 | $ 455,000 | $ 180,000 |
| Chatham, North Carolina | 1 | $ 275,000 | $ 275,000 | $ 66,000 |
| Richmond, North Carolina | 1 | $ 85,000 | $ 85,000 | $ 36,000 |
| Transylvania, North Carolina | 1 | $ 255,000 | $ 255,000 | $ 120,000 |
| Union, North Carolina | 1 | $ 245,000 | $ 245,000 | $ 110,000 |
| Wake, North Carolina | 1 | $ 415,000 | $ 415,000 | $ 170,000 |
| Clatsop, Oregon | 1 | $ 105,000 | $ 105,000 | $ 69,000 |
| Deschutes, Oregon | 1 | $ 535,000 | $ 535,000 | $ 223,000 |
| Josephine, Oregon | 1 | $ 205,000 | $ 205,000 | $ 58,000 |
| Berks, Pennsylvania | 1 | $ 95,000 | $ 95,000 | $ 65,000 |
| Westmoreland, Pennsylvania | 1 | $ 345,000 | $ 345,000 | $ 200,000 |
| Berkeley, South Carolina | 1 | $ 375,000 | $ 375,000 | $ 40,000 |
| Charleston, South Carolina | 1 | $ 705,000 | $ 705,000 | $ 168,000 |
| Pickens, South Carolina | 1 | $ 255,000 | $ 255,000 | $ 80,000 |
| Davidson, Tennessee | 1 | $ 195,000 | $ 195,000 | $ 294,000 |
| Collin, Texas | 1 | $ 255,000 | $ 255,000 | $ 351,000 |
| Hays, Texas | 1 | $ 265,000 | $ 265,000 | $ 66,000 |
| Hidalgo, Texas | 1 | $ 245,000 | $ 245,000 | $ 204,000 |
| Kaufman, Texas | 1 | $ 125,000 | $ 125,000 | $ 292,000 |
| Tarrant, Texas | 1 | $ 135,000 | $ 135,000 | $ 238,000 |
| Davis, Utah | 1 | $ 105,000 | $ 105,000 | $ 287,000 |
| Salt Lake, Utah | 1 | $ 485,000 | $ 485,000 | $ 223,000 |
| Wasatch, Utah | 1 | $ 375,000 | $ 375,000 | $ 192,000 |
| Lamoille, Vermont | 1 | $ 225,000 | $ 225,000 | $ 238,000 |
| Alexandria, Virginia | 1 | $ 325,000 | $ 325,000 | $ 71,000 |
| Fairfax, Virginia | 1 | $ 685,000 | $ 685,000 | $ 158,000 |
| Snohomish, Washington | 1 | $ 495,000 | $ 495,000 | $ 152,000 |
| Spokane, Washington | 1 | $ 85,000 | $ 85,000 | $ 72,000 |
| Whitman, Washington | 1 | $ 235,000 | $ 235,000 | $ 110,000 |
| Milwaukee, 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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