Star One Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2019
Star One Credit Union 2019 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 | 3,474 |
| Total Mortgage Loan Application Amount | $1,585,940,000 |
| Average Mortgage Loan Application Amount | $452,400 |
| Highest Mortgage Loan Application Amount | $4,205,000 |
| Average Applicant Income | $194,400 |
| Highest Applicant Income | $2,112,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2019 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 2019 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 2019.
| 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 | 1,419 | $ 653,375,000 | $ 460,000 | $ 191,000 |
| Alameda County California | 285 | $ 146,005,000 | $ 512,000 | $ 218,000 |
| San Mateo County California | 107 | $ 61,355,000 | $ 573,000 | $ 231,000 |
| Contra Costa County California | 101 | $ 51,245,000 | $ 507,000 | $ 225,000 |
| Santa Cruz County California | 82 | $ 32,180,000 | $ 392,000 | $ 178,000 |
| San Joaquin County California | 81 | $ 25,175,000 | $ 310,000 | $ 158,000 |
| Sacramento County California | 56 | $ 16,240,000 | $ 290,000 | $ 164,000 |
| Placer County California | 52 | $ 17,690,000 | $ 340,000 | $ 144,000 |
| San Diego County California | 33 | $ 12,925,000 | $ 391,000 | $ 182,000 |
| Los Angeles County California | 31 | $ 18,385,000 | $ 593,000 | $ 232,000 |
| Stanislaus County California | 29 | $ 7,015,000 | $ 241,000 | $ 137,000 |
| San Francisco County California | 28 | $ 14,610,000 | $ 521,000 | $ 227,000 |
| San Benito County California | 25 | $ 9,275,000 | $ 371,000 | $ 191,000 |
| El Dorado County California | 20 | $ 7,120,000 | $ 356,000 | $ 172,000 |
| San Luis Obispo County California | 20 | $ 6,870,000 | $ 343,000 | $ 184,000 |
| Monterey County California | 18 | $ 8,990,000 | $ 499,000 | $ 199,000 |
| Fresno County California | 17 | $ 3,795,000 | $ 223,000 | $ 296,000 |
| Douglas County Colorado | 17 | $ 6,625,000 | $ 389,000 | $ 181,000 |
| Maricopa County Arizona | 16 | $ 4,600,000 | $ 287,000 | $ 216,000 |
| Orange County California | 15 | $ 5,955,000 | $ 397,000 | $ 192,000 |
| Sonoma County California | 15 | $ 5,675,000 | $ 378,000 | $ 170,000 |
| Washoe County Nevada | 15 | $ 4,985,000 | $ 332,000 | $ 193,000 |
| Riverside County California | 12 | $ 2,960,000 | $ 246,000 | $ 160,000 |
| Williamson County Texas | 12 | $ 2,670,000 | $ 222,000 | $ 317,000 |
| Calaveras County California | 10 | $ 1,700,000 | $ 170,000 | $ 157,000 |
| Santa Barbara County California | 10 | $ 3,070,000 | $ 307,000 | $ 139,000 |
| Jefferson County Colorado | 10 | $ 4,400,000 | $ 440,000 | $ 183,000 |
| Clark County Nevada | 10 | $ 2,820,000 | $ 282,000 | $ 165,000 |
| Travis County Texas | 10 | $ 2,730,000 | $ 273,000 | $ 198,000 |
| Napa County California | 9 | $ 2,345,000 | $ 260,000 | $ 163,000 |
| Pima County Arizona | 8 | $ 1,410,000 | $ 176,000 | $ 193,000 |
| Solano County California | 8 | $ 2,120,000 | $ 265,000 | $ 101,000 |
| Yolo County California | 8 | $ 2,290,000 | $ 286,000 | $ 177,000 |
| Arapahoe County Colorado | 8 | $ 3,030,000 | $ 378,000 | $ 197,000 |
| El Paso County Colorado | 8 | $ 1,760,000 | $ 220,000 | $ 139,000 |
| Nevada County California | 7 | $ 2,615,000 | $ 373,000 | $ 147,000 |
| Tuolumne County California | 7 | $ 2,025,000 | $ 289,000 | $ 145,000 |
| King County Washington | 7 | $ 4,305,000 | $ 615,000 | $ 216,000 |
| Marin County California | 6 | $ 2,540,000 | $ 423,000 | $ 210,000 |
| Ventura County California | 6 | $ 2,720,000 | $ 453,000 | $ 140,000 |
| Multnomah County Oregon | 6 | $ 2,400,000 | $ 400,000 | $ 106,000 |
| Washington County Oregon | 6 | $ 2,410,000 | $ 401,000 | $ 127,000 |
| Butte County California | 5 | $ 1,175,000 | $ 235,000 | $ 73,000 |
| Brevard County Florida | 5 | $ 1,195,000 | $ 239,000 | $ 132,000 |
| Dallas County Texas | 5 | $ 2,595,000 | $ 519,000 | $ 242,000 |
| Kern County California | 4 | $ 820,000 | $ 205,000 | $ 120,000 |
| Lake County California | 4 | $ 440,000 | $ 110,000 | $ 70,000 |
| Hillsborough County Florida | 4 | $ 980,000 | $ 245,000 | $ 251,000 |
| Orange County Florida | 4 | $ 620,000 | $ 155,000 | $ 255,000 |
| Cook County Illinois | 4 | $ 1,070,000 | $ 267,000 | $ 187,000 |
| Carson City County Nevada | 4 | $ 1,380,000 | $ 345,000 | $ 190,000 |
| Clackamas County Oregon | 4 | $ 1,840,000 | $ 460,000 | $ 208,000 |
| Lane County Oregon | 4 | $ 1,200,000 | $ 300,000 | $ 221,000 |
| Collin County Texas | 4 | $ 1,090,000 | $ 272,000 | $ 137,000 |
| Harris County Texas | 4 | $ 1,310,000 | $ 327,000 | $ 159,000 |
| Hays County Texas | 4 | $ 1,180,000 | $ 295,000 | $ 198,000 |
| Salt Lake County Utah | 4 | $ 2,090,000 | $ 522,000 | $ 224,000 |
| Fairfax County Virginia | 4 | $ 1,580,000 | $ 395,000 | $ 159,000 |
| Madera County California | 3 | $ 675,000 | $ 225,000 | $ 240,000 |
| Merced County California | 3 | $ 435,000 | $ 145,000 | $ 77,000 |
| Yuba County California | 3 | $ 475,000 | $ 158,000 | $ 74,000 |
| Boulder County Colorado | 3 | $ 1,095,000 | $ 365,000 | $ 166,000 |
| Larimer County Colorado | 3 | $ 1,235,000 | $ 411,000 | $ 205,000 |
| Fairfield County Connecticut | 3 | $ 975,000 | $ 325,000 | $ 187,000 |
| Cobb County Georgia | 3 | $ 655,000 | $ 218,000 | $ 317,000 |
| Forsyth County Georgia | 3 | $ 845,000 | $ 281,000 | $ 243,000 |
| Paulding County Georgia | 3 | $ 455,000 | $ 151,000 | $ 173,000 |
| Ada County Idaho | 3 | $ 735,000 | $ 245,000 | $ 103,000 |
| Bernalillo County New Mexico | 3 | $ 655,000 | $ 218,000 | $ 191,000 |
| Canadian County Oklahoma | 3 | $ 645,000 | $ 215,000 | $ 387,000 |
| Oklahoma County Oklahoma | 3 | $ 335,000 | $ 111,000 | $ 741,000 |
| Deschutes County Oregon | 3 | $ 965,000 | $ 321,000 | $ 212,000 |
| Bexar County Texas | 3 | $ 485,000 | $ 161,000 | $ 125,000 |
| Tarrant County Texas | 3 | $ 1,155,000 | $ 385,000 | $ 157,000 |
| Davis County Utah | 3 | $ 395,000 | $ 131,000 | $ 139,000 |
| Kitsap County Washington | 3 | $ 735,000 | $ 245,000 | $ 104,000 |
| Madison County Alabama | 2 | $ 210,000 | $ 105,000 | $ 162,000 |
| Humboldt County California | 2 | $ 560,000 | $ 280,000 | $ 118,000 |
| Mendocino County California | 2 | $ 420,000 | $ 210,000 | $ 208,000 |
| San Bernardino County California | 2 | $ 730,000 | $ 365,000 | $ 196,000 |
| Shasta County California | 2 | $ 340,000 | $ 170,000 | $ 60,000 |
| Sutter County California | 2 | $ 420,000 | $ 210,000 | $ 106,000 |
| Adams County Colorado | 2 | $ 590,000 | $ 295,000 | $ 148,000 |
| Broomfield County Colorado | 2 | $ 1,080,000 | $ 540,000 | $ 298,000 |
| Denver County Colorado | 2 | $ 740,000 | $ 370,000 | $ 99,000 |
| Summit County Colorado | 2 | $ 1,300,000 | $ 650,000 | $ 337,000 |
| Weld County Colorado | 2 | $ 800,000 | $ 400,000 | $ 153,000 |
| District of Columbia County District Of Columbia | 2 | $ 1,520,000 | $ 760,000 | $ 155,000 |
| Volusia County Florida | 2 | $ 310,000 | $ 155,000 | $ 204,000 |
| DeKalb County Georgia | 2 | $ 490,000 | $ 245,000 | $ 223,000 |
| Hawaii County Hawaii | 2 | $ 740,000 | $ 370,000 | $ 51,000 |
| Honolulu County Hawaii | 2 | $ 350,000 | $ 175,000 | $ 152,000 |
| Lake County Indiana | 2 | $ 310,000 | $ 155,000 | $ 196,000 |
| Marion County Indiana | 2 | $ 150,000 | $ 75,000 | $ 162,000 |
| Middlesex County Massachusetts | 2 | $ 960,000 | $ 480,000 | $ 159,000 |
| Wayne County Michigan | 2 | $ 180,000 | $ 90,000 | $ 84,000 |
| Douglas County Nevada | 2 | $ 410,000 | $ 205,000 | $ 72,000 |
| Bergen County New Jersey | 2 | $ 780,000 | $ 390,000 | $ 117,000 |
| Burlington County New Jersey | 2 | $ 920,000 | $ 460,000 | $ 223,000 |
| Wake County North Carolina | 2 | $ 430,000 | $ 215,000 | $ 107,000 |
| Warren County Ohio | 2 | $ 780,000 | $ 390,000 | $ 135,000 |
| Jackson County Oregon | 2 | $ 550,000 | $ 275,000 | $ 187,000 |
| Josephine County Oregon | 2 | $ 320,000 | $ 160,000 | $ 108,000 |
| Marion County Oregon | 2 | $ 550,000 | $ 275,000 | $ 116,000 |
| Shelby County Tennessee | 2 | $ 330,000 | $ 165,000 | $ 194,000 |
| Denton County Texas | 2 | $ 320,000 | $ 160,000 | $ 338,000 |
| Utah County Utah | 2 | $ 830,000 | $ 415,000 | $ 158,000 |
| Arlington County Virginia | 2 | $ 730,000 | $ 365,000 | $ 146,000 |
| Prince William County Virginia | 2 | $ 710,000 | $ 355,000 | $ 154,000 |
| Clark County Washington | 2 | $ 590,000 | $ 295,000 | $ 42,000 |
| Pierce County Washington | 2 | $ 680,000 | $ 340,000 | $ 113,000 |
| Snohomish County Washington | 2 | $ 440,000 | $ 220,000 | $ 162,000 |
| Shelby County Alabama | 1 | $ 285,000 | $ 285,000 | $ 72,000 |
| Santa Cruz County Arizona | 1 | $ 185,000 | $ 185,000 | $ 96,000 |
| Yavapai County Arizona | 1 | $ 175,000 | $ 175,000 | $ 157,000 |
| Pulaski County Arkansas | 1 | $ 285,000 | $ 285,000 | $ 255,000 |
| Alpine County California | 1 | $ 425,000 | $ 425,000 | $ 351,000 |
| Mariposa County California | 1 | $ 95,000 | $ 95,000 | $ 23,000 |
| Siskiyou County California | 1 | $ 95,000 | $ 95,000 | $ 306,000 |
| Tehama County California | 1 | $ 105,000 | $ 105,000 | $ 44,000 |
| Tulare County California | 1 | $ 185,000 | $ 185,000 | $ 67,000 |
| Eagle County Colorado | 1 | $ 485,000 | $ 485,000 | $ 215,000 |
| Duval County Florida | 1 | $ 115,000 | $ 115,000 | $ 140,000 |
| Marion County Florida | 1 | $ 95,000 | $ 95,000 | $ 252,000 |
| Pinellas County Florida | 1 | $ 175,000 | $ 175,000 | $ 97,000 |
| Seminole County Florida | 1 | $ 725,000 | $ 725,000 | $ 463,000 |
| Cherokee County Georgia | 1 | $ 305,000 | $ 305,000 | $ 58,000 |
| Fulton County Georgia | 1 | $ 225,000 | $ 225,000 | $ 132,000 |
| Maui County Hawaii | 1 | $ 755,000 | $ 755,000 | $ 245,000 |
| Bonneville County Idaho | 1 | $ 315,000 | $ 315,000 | $ 140,000 |
| Boundary County Idaho | 1 | $ 245,000 | $ 245,000 | $ 0 |
| Canyon County Idaho | 1 | $ 415,000 | $ 415,000 | $ 110,000 |
| Kootenai County Idaho | 1 | $ 415,000 | $ 415,000 | $ 318,000 |
| Lake County Illinois | 1 | $ 275,000 | $ 275,000 | $ 168,000 |
| Will County Illinois | 1 | $ 265,000 | $ 265,000 | $ 163,000 |
| Boone County Indiana | 1 | $ 295,000 | $ 295,000 | $ 285,000 |
| Scott County Kentucky | 1 | $ 165,000 | $ 165,000 | $ 118,000 |
| Orleans County Louisiana | 1 | $ 485,000 | $ 485,000 | $ 0 |
| Penobscot County Maine | 1 | $ 235,000 | $ 235,000 | $ 116,000 |
| Anne Arundel County Maryland | 1 | $ 485,000 | $ 485,000 | $ 124,000 |
| Calvert County Maryland | 1 | $ 355,000 | $ 355,000 | $ 60,000 |
| Howard County Maryland | 1 | $ 195,000 | $ 195,000 | $ 149,000 |
| Montgomery County Maryland | 1 | $ 495,000 | $ 495,000 | $ 210,000 |
| Prince George's County Maryland | 1 | $ 265,000 | $ 265,000 | $ 94,000 |
| Bristol County Massachusetts | 1 | $ 705,000 | $ 705,000 | $ 200,000 |
| Norfolk County Massachusetts | 1 | $ 125,000 | $ 125,000 | $ 60,000 |
| Suffolk County Massachusetts | 1 | $ 395,000 | $ 395,000 | $ 186,000 |
| Worcester County Massachusetts | 1 | $ 385,000 | $ 385,000 | $ 141,000 |
| Ingham County Michigan | 1 | $ 185,000 | $ 185,000 | $ 120,000 |
| Oakland County Michigan | 1 | $ 365,000 | $ 365,000 | $ 172,000 |
| Saginaw County Michigan | 1 | $ 55,000 | $ 55,000 | $ 207,000 |
| Lafayette County Mississippi | 1 | $ 115,000 | $ 115,000 | $ 64,000 |
| Christian County Missouri | 1 | $ 295,000 | $ 295,000 | $ 77,000 |
| Jackson County Missouri | 1 | $ 35,000 | $ 35,000 | $ 27,000 |
| St. Charles County Missouri | 1 | $ 225,000 | $ 225,000 | $ 105,000 |
| St. Louis City County Missouri | 1 | $ 95,000 | $ 95,000 | $ 157,000 |
| Douglas County Nebraska | 1 | $ 295,000 | $ 295,000 | $ 103,000 |
| Nye County Nevada | 1 | $ 155,000 | $ 155,000 | $ 37,000 |
| Middlesex County New Jersey | 1 | $ 425,000 | $ 425,000 | $ 171,000 |
| Anson County North Carolina | 1 | $ 35,000 | $ 35,000 | $ 36,000 |
| Carteret County North Carolina | 1 | $ 225,000 | $ 225,000 | $ 94,000 |
| Chatham County North Carolina | 1 | $ 225,000 | $ 225,000 | $ 86,000 |
| Clay County North Carolina | 1 | $ 205,000 | $ 205,000 | $ 203,000 |
| Guilford County North Carolina | 1 | $ 85,000 | $ 85,000 | $ 128,000 |
| Johnston County North Carolina | 1 | $ 165,000 | $ 165,000 | $ 242,000 |
| Mecklenburg County North Carolina | 1 | $ 1,115,000 | $ 1,115,000 | $ 350,000 |
| New Hanover County North Carolina | 1 | $ 85,000 | $ 85,000 | $ 49,000 |
| Onslow County North Carolina | 1 | $ 85,000 | $ 85,000 | $ 162,000 |
| Person County North Carolina | 1 | $ 195,000 | $ 195,000 | $ 130,000 |
| Rowan County North Carolina | 1 | $ 105,000 | $ 105,000 | $ 148,000 |
| Butler County Ohio | 1 | $ 165,000 | $ 165,000 | $ 150,000 |
| Cuyahoga County Ohio | 1 | $ 85,000 | $ 85,000 | $ 266,000 |
| Fairfield County Ohio | 1 | $ 55,000 | $ 55,000 | $ 119,000 |
| Hamilton County Ohio | 1 | $ 55,000 | $ 55,000 | $ 217,000 |
| Logan County Oklahoma | 1 | $ 235,000 | $ 235,000 | $ 110,000 |
| Pottawatomie County Oklahoma | 1 | $ 255,000 | $ 255,000 | $ 192,000 |
| Tulsa County Oklahoma | 1 | $ 135,000 | $ 135,000 | $ 160,000 |
| Columbia County Oregon | 1 | $ 485,000 | $ 485,000 | $ 247,000 |
| Douglas County Oregon | 1 | $ 105,000 | $ 105,000 | $ 62,000 |
| Grant County Oregon | 1 | $ 75,000 | $ 75,000 | $ 257,000 |
| Lincoln County Oregon | 1 | $ 225,000 | $ 225,000 | $ 413,000 |
| Allegheny County Pennsylvania | 1 | $ 175,000 | $ 175,000 | $ 169,000 |
| Bucks County Pennsylvania | 1 | $ 345,000 | $ 345,000 | $ 130,000 |
| Cumberland County Pennsylvania | 1 | $ 555,000 | $ 555,000 | $ 150,000 |
| York County Pennsylvania | 1 | $ 135,000 | $ 135,000 | $ 149,000 |
| Washington County Rhode Island | 1 | $ 275,000 | $ 275,000 | $ 116,000 |
| Aiken County South Carolina | 1 | $ 125,000 | $ 125,000 | $ 125,000 |
| Brookings County South Dakota | 1 | $ 275,000 | $ 275,000 | $ 47,000 |
| Cheatham County Tennessee | 1 | $ 185,000 | $ 185,000 | $ 48,000 |
| Davidson County Tennessee | 1 | $ 205,000 | $ 205,000 | $ 335,000 |
| Hamilton County Tennessee | 1 | $ 225,000 | $ 225,000 | $ 99,000 |
| Brazoria County Texas | 1 | $ 425,000 | $ 425,000 | $ 216,000 |
| Guadalupe County Texas | 1 | $ 225,000 | $ 225,000 | $ 141,000 |
| Kendall County Texas | 1 | $ 305,000 | $ 305,000 | $ 125,000 |
| Montgomery County Texas | 1 | $ 175,000 | $ 175,000 | $ 94,000 |
| San Jacinto County Texas | 1 | $ 105,000 | $ 105,000 | $ 32,000 |
| Wichita County Texas | 1 | $ 265,000 | $ 265,000 | $ 62,000 |
| Washington County Utah | 1 | $ 105,000 | $ 105,000 | $ 105,000 |
| Loudoun County Virginia | 1 | $ 585,000 | $ 585,000 | $ 210,000 |
| Spotsylvania County Virginia | 1 | $ 255,000 | $ 255,000 | $ 84,000 |
| Clallam County Washington | 1 | $ 135,000 | $ 135,000 | $ 43,000 |
| Jefferson County Washington | 1 | $ 155,000 | $ 155,000 | $ 121,000 |
| Pacific County Washington | 1 | $ 85,000 | $ 85,000 | $ 19,000 |
| Spokane County Washington | 1 | $ 65,000 | $ 65,000 | $ 144,000 |
| Dane County Wisconsin | 1 | $ 375,000 | $ 375,000 | $ 230,000 |
Mortgage Loan Application Detail Totals for Star One Credit Union in 2019
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 | 1,145 | $620,955,000 | $542,000 | $4,205,000 | $193,000 | $2,112,000 |
| Other Purpose | 950 | $376,640,000 | $396,000 | $2,005,000 | $185,000 | $1,279,000 |
| Home Improvement | 562 | $137,640,000 | $244,000 | $1,205,000 | $176,000 | $1,239,000 |
| Cash-out Refinancing | 471 | $289,095,000 | $613,000 | $2,525,000 | $197,000 | $1,035,000 |
| Refinancing | 346 | $161,610,000 | $467,000 | $1,805,000 | $221,000 | $1,897,000 |
| 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 | 1,484 | $633,370,000 | $426,000 | $2,525,000 | $182,000 | $2,112,000 |
| Not Provided | 733 | $329,155,000 | $449,000 | $3,005,000 | $197,000 | $1,279,000 |
| Asian | 727 | $387,355,000 | $532,000 | $4,205,000 | $206,000 | $932,000 |
| Hispanic | 255 | $100,195,000 | $392,000 | $1,655,000 | $164,000 | $555,000 |
| Black or African American | 50 | $21,890,000 | $437,000 | $1,125,000 | $196,000 | $852,000 |
| Native Hawaiian or Other Pacific Islander | 10 | $4,600,000 | $460,000 | $1,205,000 | $162,000 | $428,000 |
| American Indian or Alaskan Native | 10 | $3,030,000 | $303,000 | $1,045,000 | $218,000 | $744,000 |
| 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) | 3,474 | $1,585,940,000 | $456,000 | $4,205,000 | $191,000 | $2,112,000 |
| 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 | 2,100 | $926,870,000 | $441,000 | $2,525,000 | $195,000 | $1,279,000 |
| Application Denied By Financial Institution | 468 | $181,760,000 | $388,000 | $1,605,000 | $164,000 | $1,897,000 |
| Preapproval Approved but not Accepted | 447 | $278,575,000 | $623,000 | $4,205,000 | $208,000 | $2,112,000 |
| Application Approved But Not Accepted | 339 | $134,455,000 | $396,000 | $2,005,000 | $198,000 | $1,000,000 |
| Application Withdrawn By Applicant | 65 | $30,095,000 | $463,000 | $1,395,000 | $155,000 | $453,000 |
| Preapproval Denied by Financial Institution | 43 | $27,675,000 | $643,000 | $1,905,000 | $122,000 | $295,000 |
| File Closed For Incompleteness | 12 | $6,510,000 | $542,000 | $1,005,000 | $217,000 | $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 | 2,963 | $1,376,505,000 | $464,000 | $4,205,000 | $197,000 | $2,112,000 |
| Debt-To-Income Ratio | 171 | $71,745,000 | $419,000 | $1,905,000 | $91,000 | $396,000 |
| Credit Application Incomplete | 134 | $63,610,000 | $474,000 | $1,605,000 | $196,000 | $1,190,000 |
| Other | 75 | $25,385,000 | $338,000 | $1,155,000 | $214,000 | $1,897,000 |
| Unverifiable Information | 52 | $21,510,000 | $413,000 | $1,285,000 | $151,000 | $475,000 |
| Credit History | 51 | $16,515,000 | $323,000 | $1,465,000 | $208,000 | $1,239,000 |
| Collateral | 17 | $4,105,000 | $241,000 | $895,000 | $246,000 | $805,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 7 | $4,535,000 | $647,000 | $1,005,000 | $192,000 | $339,000 |
| Employment History | 4 | $2,030,000 | $507,000 | $1,005,000 | $102,000 | $175,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Star One Credit Union's 2019 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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