Star One Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2020
Star One Credit Union 2020 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 | 5,112 |
| Total Mortgage Loan Application Amount | $2,551,780,000 |
| Average Mortgage Loan Application Amount | $491,600 |
| Highest Mortgage Loan Application Amount | $2,805,000 |
| Average Applicant Income | $208,400 |
| Highest Applicant Income | $3,022,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2020 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 2020 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 2020.
| 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 | 2,105 | $ 1,060,995,000 | $ 504,000 | $ 215,000 |
| Alameda County California | 493 | $ 262,495,000 | $ 532,000 | $ 214,000 |
| San Mateo County California | 223 | $ 154,765,000 | $ 694,000 | $ 300,000 |
| Contra Costa County California | 168 | $ 95,180,000 | $ 566,000 | $ 226,000 |
| Santa Cruz County California | 141 | $ 63,055,000 | $ 447,000 | $ 210,000 |
| San Joaquin County California | 86 | $ 29,250,000 | $ 340,000 | $ 161,000 |
| San Francisco County California | 76 | $ 49,730,000 | $ 654,000 | $ 262,000 |
| Placer County California | 61 | $ 15,525,000 | $ 254,000 | $ 155,000 |
| San Diego County California | 60 | $ 27,340,000 | $ 455,000 | $ 198,000 |
| Sacramento County California | 58 | $ 18,150,000 | $ 312,000 | $ 173,000 |
| Los Angeles County California | 49 | $ 23,865,000 | $ 487,000 | $ 253,000 |
| Orange County California | 36 | $ 17,540,000 | $ 487,000 | $ 201,000 |
| Monterey County California | 35 | $ 15,235,000 | $ 435,000 | $ 166,000 |
| San Benito County California | 34 | $ 14,880,000 | $ 437,000 | $ 182,000 |
| Maricopa County Arizona | 33 | $ 7,945,000 | $ 240,000 | $ 149,000 |
| Fresno County California | 29 | $ 5,955,000 | $ 205,000 | $ 134,000 |
| Sonoma County California | 28 | $ 11,400,000 | $ 407,000 | $ 165,000 |
| San Luis Obispo County California | 26 | $ 9,560,000 | $ 367,000 | $ 139,000 |
| Stanislaus County California | 26 | $ 5,730,000 | $ 220,000 | $ 135,000 |
| Washoe County Nevada | 26 | $ 9,320,000 | $ 358,000 | $ 177,000 |
| El Dorado County California | 22 | $ 6,940,000 | $ 315,000 | $ 178,000 |
| Douglas County Colorado | 21 | $ 8,875,000 | $ 422,000 | $ 212,000 |
| Clark County Nevada | 20 | $ 5,440,000 | $ 272,000 | $ 163,000 |
| King County Washington | 17 | $ 6,625,000 | $ 389,000 | $ 218,000 |
| Merced County California | 15 | $ 3,615,000 | $ 241,000 | $ 117,000 |
| Calaveras County California | 14 | $ 3,120,000 | $ 222,000 | $ 200,000 |
| Riverside County California | 14 | $ 4,460,000 | $ 318,000 | $ 156,000 |
| Solano County California | 14 | $ 4,980,000 | $ 355,000 | $ 243,000 |
| Santa Barbara County California | 13 | $ 3,995,000 | $ 307,000 | $ 141,000 |
| Ventura County California | 13 | $ 5,075,000 | $ 390,000 | $ 111,000 |
| Nevada County California | 12 | $ 4,100,000 | $ 341,000 | $ 153,000 |
| Butte County California | 11 | $ 2,685,000 | $ 244,000 | $ 94,000 |
| Tuolumne County California | 11 | $ 2,755,000 | $ 250,000 | $ 94,000 |
| Marin County California | 10 | $ 7,100,000 | $ 710,000 | $ 259,000 |
| Williamson County Texas | 9 | $ 1,885,000 | $ 209,000 | $ 125,000 |
| Pima County Arizona | 8 | $ 2,030,000 | $ 253,000 | $ 178,000 |
| Yolo County California | 8 | $ 2,180,000 | $ 272,000 | $ 114,000 |
| Napa County California | 7 | $ 3,355,000 | $ 479,000 | $ 118,000 |
| Shasta County California | 7 | $ 1,325,000 | $ 189,000 | $ 107,000 |
| Boulder County Colorado | 7 | $ 2,235,000 | $ 319,000 | $ 216,000 |
| Brevard County Florida | 7 | $ 1,855,000 | $ 265,000 | $ 142,000 |
| Orange County Florida | 7 | $ 1,195,000 | $ 170,000 | $ 163,000 |
| Ada County Idaho | 7 | $ 2,355,000 | $ 336,000 | $ 142,000 |
| Deschutes County Oregon | 7 | $ 3,445,000 | $ 492,000 | $ 239,000 |
| Travis County Texas | 7 | $ 2,285,000 | $ 326,000 | $ 210,000 |
| Fairfax County Virginia | 7 | $ 2,815,000 | $ 402,000 | $ 188,000 |
| Pinal County Arizona | 6 | $ 1,440,000 | $ 240,000 | $ 117,000 |
| Madera County California | 6 | $ 970,000 | $ 161,000 | $ 108,000 |
| Arapahoe County Colorado | 6 | $ 2,040,000 | $ 340,000 | $ 192,000 |
| Multnomah County Oregon | 6 | $ 2,430,000 | $ 405,000 | $ 114,000 |
| Washington County Oregon | 6 | $ 2,690,000 | $ 448,000 | $ 158,000 |
| Collin County Texas | 6 | $ 1,070,000 | $ 178,000 | $ 223,000 |
| Amador County California | 5 | $ 1,255,000 | $ 251,000 | $ 95,000 |
| Adams County Colorado | 5 | $ 1,815,000 | $ 363,000 | $ 141,000 |
| Jefferson County Colorado | 5 | $ 2,445,000 | $ 489,000 | $ 253,000 |
| Hillsborough County Florida | 5 | $ 945,000 | $ 189,000 | $ 204,000 |
| Clackamas County Oregon | 5 | $ 2,185,000 | $ 437,000 | $ 119,000 |
| Dallas County Texas | 5 | $ 1,575,000 | $ 315,000 | $ 283,000 |
| Yavapai County Arizona | 4 | $ 1,640,000 | $ 410,000 | $ 216,000 |
| Kern County California | 4 | $ 1,320,000 | $ 330,000 | $ 122,000 |
| Tulare County California | 4 | $ 900,000 | $ 225,000 | $ 125,000 |
| Larimer County Colorado | 4 | $ 1,190,000 | $ 297,000 | $ 152,000 |
| Duval County Florida | 4 | $ 690,000 | $ 172,000 | $ 127,000 |
| Hawaii County Hawaii | 4 | $ 1,910,000 | $ 477,000 | $ 270,000 |
| Sedgwick County Kansas | 4 | $ 330,000 | $ 82,000 | $ 107,000 |
| Mecklenburg County North Carolina | 4 | $ 1,250,000 | $ 312,000 | $ 376,000 |
| Harris County Texas | 4 | $ 670,000 | $ 167,000 | $ 151,000 |
| Snohomish County Washington | 4 | $ 1,830,000 | $ 457,000 | $ 141,000 |
| Madison County Alabama | 3 | $ 655,000 | $ 218,000 | $ 247,000 |
| Siskiyou County California | 3 | $ 1,435,000 | $ 478,000 | $ 185,000 |
| El Paso County Colorado | 3 | $ 575,000 | $ 191,000 | $ 77,000 |
| Cook County Illinois | 3 | $ 465,000 | $ 155,000 | $ 244,000 |
| Johnson County Kansas | 3 | $ 1,145,000 | $ 381,000 | $ 187,000 |
| Montgomery County Maryland | 3 | $ 1,395,000 | $ 465,000 | $ 211,000 |
| Oakland County Michigan | 3 | $ 1,335,000 | $ 445,000 | $ 209,000 |
| Douglas County Nevada | 3 | $ 715,000 | $ 238,000 | $ 216,000 |
| Mercer County New Jersey | 3 | $ 725,000 | $ 241,000 | $ 204,000 |
| New York County New York | 3 | $ 1,595,000 | $ 531,000 | $ 275,000 |
| Wake County North Carolina | 3 | $ 375,000 | $ 125,000 | $ 224,000 |
| Oklahoma County Oklahoma | 3 | $ 505,000 | $ 168,000 | $ 181,000 |
| Jackson County Oregon | 3 | $ 705,000 | $ 235,000 | $ 113,000 |
| Bexar County Texas | 3 | $ 975,000 | $ 325,000 | $ 159,000 |
| Galveston County Texas | 3 | $ 985,000 | $ 328,000 | $ 209,000 |
| Hays County Texas | 3 | $ 415,000 | $ 138,000 | $ 200,000 |
| Tarrant County Texas | 3 | $ 445,000 | $ 148,000 | $ 255,000 |
| Utah County Utah | 3 | $ 345,000 | $ 115,000 | $ 131,000 |
| Loudoun County Virginia | 3 | $ 1,425,000 | $ 475,000 | $ 199,000 |
| Clark County Washington | 3 | $ 1,325,000 | $ 441,000 | $ 223,000 |
| San Bernardino County California | 2 | $ 860,000 | $ 430,000 | $ 158,000 |
| Flagler County Florida | 2 | $ 210,000 | $ 105,000 | $ 196,000 |
| Marion County Florida | 2 | $ 440,000 | $ 220,000 | $ 101,000 |
| Miami-Dade County Florida | 2 | $ 710,000 | $ 355,000 | $ 120,000 |
| Pasco County Florida | 2 | $ 560,000 | $ 280,000 | $ 52,000 |
| Polk County Florida | 2 | $ 450,000 | $ 225,000 | $ 136,000 |
| DeKalb County Georgia | 2 | $ 1,370,000 | $ 685,000 | $ 263,000 |
| Gwinnett County Georgia | 2 | $ 520,000 | $ 260,000 | $ 106,000 |
| Honolulu County Hawaii | 2 | $ 420,000 | $ 210,000 | $ 1,212,000 |
| Maui County Hawaii | 2 | $ 1,070,000 | $ 535,000 | $ 474,000 |
| St. Tammany County Louisiana | 2 | $ 210,000 | $ 105,000 | $ 84,000 |
| Howard County Maryland | 2 | $ 340,000 | $ 170,000 | $ 89,000 |
| Middlesex County Massachusetts | 2 | $ 1,250,000 | $ 625,000 | $ 174,000 |
| Bernalillo County New Mexico | 2 | $ 270,000 | $ 135,000 | $ 184,000 |
| Dona Ana County New Mexico | 2 | $ 300,000 | $ 150,000 | $ 101,000 |
| Johnston County North Carolina | 2 | $ 330,000 | $ 165,000 | $ 253,000 |
| Hamilton County Ohio | 2 | $ 200,000 | $ 100,000 | $ 223,000 |
| Denton County Texas | 2 | $ 470,000 | $ 235,000 | $ 272,000 |
| Salt Lake County Utah | 2 | $ 400,000 | $ 200,000 | $ 175,000 |
| Arlington County Virginia | 2 | $ 1,770,000 | $ 885,000 | $ 258,000 |
| Kitsap County Washington | 2 | $ 590,000 | $ 295,000 | $ 184,000 |
| Jefferson County Alabama | 1 | $ 85,000 | $ 85,000 | $ 193,000 |
| Limestone County Alabama | 1 | $ 155,000 | $ 155,000 | $ 165,000 |
| Montgomery County Alabama | 1 | $ 65,000 | $ 65,000 | $ 210,000 |
| Morgan County Alabama | 1 | $ 315,000 | $ 315,000 | $ 127,000 |
| Anchorage County Alaska | 1 | $ 435,000 | $ 435,000 | $ 127,000 |
| Apache County Arizona | 1 | $ 245,000 | $ 245,000 | $ 203,000 |
| Coconino County Arizona | 1 | $ 295,000 | $ 295,000 | $ 0 |
| Mohave County Arizona | 1 | $ 425,000 | $ 425,000 | $ 91,000 |
| Yuma County Arizona | 1 | $ 275,000 | $ 275,000 | $ 133,000 |
| Benton County Arkansas | 1 | $ 195,000 | $ 195,000 | $ 241,000 |
| Garland County Arkansas | 1 | $ 85,000 | $ 85,000 | $ 96,000 |
| Humboldt County California | 1 | $ 105,000 | $ 105,000 | $ 114,000 |
| Imperial County California | 1 | $ 375,000 | $ 375,000 | $ 142,000 |
| Inyo County California | 1 | $ 315,000 | $ 315,000 | $ 146,000 |
| Lake County California | 1 | $ 145,000 | $ 145,000 | $ 149,000 |
| Mendocino County California | 1 | $ 305,000 | $ 305,000 | $ 107,000 |
| Sutter County California | 1 | $ 275,000 | $ 275,000 | $ 55,000 |
| Yuba County California | 1 | $ 175,000 | $ 175,000 | $ 87,000 |
| Broomfield County Colorado | 1 | $ 705,000 | $ 705,000 | $ 246,000 |
| Denver County Colorado | 1 | $ 335,000 | $ 335,000 | $ 307,000 |
| Eagle County Colorado | 1 | $ 465,000 | $ 465,000 | $ 174,000 |
| Mesa County Colorado | 1 | $ 405,000 | $ 405,000 | $ 79,000 |
| Pitkin County Colorado | 1 | $ 235,000 | $ 235,000 | $ 150,000 |
| Summit County Colorado | 1 | $ 515,000 | $ 515,000 | $ 461,000 |
| Weld County Colorado | 1 | $ 135,000 | $ 135,000 | $ 124,000 |
| Fairfield County Connecticut | 1 | $ 385,000 | $ 385,000 | $ 175,000 |
| Sussex County Delaware | 1 | $ 245,000 | $ 245,000 | $ 246,000 |
| Broward County Florida | 1 | $ 705,000 | $ 705,000 | $ 0 |
| Collier County Florida | 1 | $ 345,000 | $ 345,000 | $ 162,000 |
| Lake County Florida | 1 | $ 265,000 | $ 265,000 | $ 115,000 |
| Leon County Florida | 1 | $ 145,000 | $ 145,000 | $ 60,000 |
| Manatee County Florida | 1 | $ 105,000 | $ 105,000 | $ 189,000 |
| Pinellas County Florida | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Sarasota County Florida | 1 | $ 145,000 | $ 145,000 | $ 98,000 |
| St. Johns County Florida | 1 | $ 305,000 | $ 305,000 | $ 183,000 |
| St. Lucie County Florida | 1 | $ 135,000 | $ 135,000 | $ 228,000 |
| Camden County Georgia | 1 | $ 185,000 | $ 185,000 | $ 56,000 |
| Cobb County Georgia | 1 | $ 115,000 | $ 115,000 | $ 140,000 |
| Fulton County Georgia | 1 | $ 95,000 | $ 95,000 | $ 77,000 |
| Muscogee County Georgia | 1 | $ 125,000 | $ 125,000 | $ 626,000 |
| Putnam County Georgia | 1 | $ 375,000 | $ 375,000 | $ 88,000 |
| Walton County Georgia | 1 | $ 115,000 | $ 115,000 | $ 334,000 |
| Bannock County Idaho | 1 | $ 275,000 | $ 275,000 | $ 8,000 |
| Blaine County Idaho | 1 | $ 305,000 | $ 305,000 | $ 55,000 |
| Canyon County Idaho | 1 | $ 215,000 | $ 215,000 | $ 114,000 |
| Kootenai County Idaho | 1 | $ 235,000 | $ 235,000 | $ 157,000 |
| Kane County Illinois | 1 | $ 245,000 | $ 245,000 | $ 202,000 |
| Hamilton County Indiana | 1 | $ 335,000 | $ 335,000 | $ 255,000 |
| Mills County Iowa | 1 | $ 155,000 | $ 155,000 | $ 110,000 |
| Pottawatomie County Kansas | 1 | $ 285,000 | $ 285,000 | $ 88,000 |
| Jefferson County Kentucky | 1 | $ 195,000 | $ 195,000 | $ 66,000 |
| Anne Arundel County Maryland | 1 | $ 185,000 | $ 185,000 | $ 66,000 |
| Frederick County Maryland | 1 | $ 335,000 | $ 335,000 | $ 90,000 |
| Norfolk County Massachusetts | 1 | $ 125,000 | $ 125,000 | $ 65,000 |
| Suffolk County Massachusetts | 1 | $ 155,000 | $ 155,000 | $ 42,000 |
| St. Clair County Michigan | 1 | $ 775,000 | $ 775,000 | $ 298,000 |
| Benton County Minnesota | 1 | $ 505,000 | $ 505,000 | $ 246,000 |
| Carver County Minnesota | 1 | $ 285,000 | $ 285,000 | $ 187,000 |
| Dakota County Minnesota | 1 | $ 45,000 | $ 45,000 | $ 48,000 |
| Hennepin County Minnesota | 1 | $ 355,000 | $ 355,000 | $ 91,000 |
| Washington County Minnesota | 1 | $ 225,000 | $ 225,000 | $ 99,000 |
| Jasper County Missouri | 1 | $ 75,000 | $ 75,000 | $ 31,000 |
| Flathead County Montana | 1 | $ 305,000 | $ 305,000 | $ 103,000 |
| Carson City County Nevada | 1 | $ 255,000 | $ 255,000 | $ 95,000 |
| Nye County Nevada | 1 | $ 325,000 | $ 325,000 | $ 90,000 |
| Ocean County New Jersey | 1 | $ 45,000 | $ 45,000 | $ 41,000 |
| Sandoval County New Mexico | 1 | $ 355,000 | $ 355,000 | $ 195,000 |
| Santa Fe County New Mexico | 1 | $ 1,205,000 | $ 1,205,000 | $ 195,000 |
| Onondaga County New York | 1 | $ 175,000 | $ 175,000 | $ 205,000 |
| Orange County New York | 1 | $ 325,000 | $ 325,000 | $ 129,000 |
| Iredell County North Carolina | 1 | $ 315,000 | $ 315,000 | $ 105,000 |
| New Hanover County North Carolina | 1 | $ 85,000 | $ 85,000 | $ 48,000 |
| Orange County North Carolina | 1 | $ 325,000 | $ 325,000 | $ 475,000 |
| Person County North Carolina | 1 | $ 175,000 | $ 175,000 | $ 170,000 |
| Rogers County Oklahoma | 1 | $ 105,000 | $ 105,000 | $ 90,000 |
| Coos County Oregon | 1 | $ 255,000 | $ 255,000 | $ 100,000 |
| Douglas County Oregon | 1 | $ 525,000 | $ 525,000 | $ 162,000 |
| Klamath County Oregon | 1 | $ 205,000 | $ 205,000 | $ 95,000 |
| Lincoln County Oregon | 1 | $ 325,000 | $ 325,000 | $ 76,000 |
| Linn County Oregon | 1 | $ 215,000 | $ 215,000 | $ 355,000 |
| Yamhill County Oregon | 1 | $ 645,000 | $ 645,000 | $ 189,000 |
| Bucks County Pennsylvania | 1 | $ 235,000 | $ 235,000 | $ 154,000 |
| Chester County Pennsylvania | 1 | $ 485,000 | $ 485,000 | $ 182,000 |
| Montgomery County Pennsylvania | 1 | $ 305,000 | $ 305,000 | $ 192,000 |
| Northampton County Pennsylvania | 1 | $ 235,000 | $ 235,000 | $ 117,000 |
| Philadelphia County Pennsylvania | 1 | $ 205,000 | $ 205,000 | $ 96,000 |
| Anderson County Tennessee | 1 | $ 75,000 | $ 75,000 | $ 315,000 |
| Davidson County Tennessee | 1 | $ 285,000 | $ 285,000 | $ 325,000 |
| Loudon County Tennessee | 1 | $ 585,000 | $ 585,000 | $ 92,000 |
| Montgomery County Tennessee | 1 | $ 105,000 | $ 105,000 | $ 77,000 |
| Bastrop County Texas | 1 | $ 205,000 | $ 205,000 | $ 140,000 |
| Brazoria County Texas | 1 | $ 425,000 | $ 425,000 | $ 100,000 |
| Brazos County Texas | 1 | $ 175,000 | $ 175,000 | $ 303,000 |
| Ellis County Texas | 1 | $ 145,000 | $ 145,000 | $ 240,000 |
| Gregg County Texas | 1 | $ 175,000 | $ 175,000 | $ 111,000 |
| Montgomery County Texas | 1 | $ 305,000 | $ 305,000 | $ 182,000 |
| Parker County Texas | 1 | $ 265,000 | $ 265,000 | $ 150,000 |
| Rockwall County Texas | 1 | $ 365,000 | $ 365,000 | $ 250,000 |
| Cache County Utah | 1 | $ 145,000 | $ 145,000 | $ 117,000 |
| Henrico County Virginia | 1 | $ 235,000 | $ 235,000 | $ 60,000 |
| James City County Virginia | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Stafford County Virginia | 1 | $ 365,000 | $ 365,000 | $ 179,000 |
| Chelan County Washington | 1 | $ 515,000 | $ 515,000 | $ 147,000 |
| Clallam County Washington | 1 | $ 115,000 | $ 115,000 | $ 59,000 |
| Douglas County Washington | 1 | $ 245,000 | $ 245,000 | $ 186,000 |
| Klickitat County Washington | 1 | $ 785,000 | $ 785,000 | $ 179,000 |
| Spokane County Washington | 1 | $ 405,000 | $ 405,000 | $ 313,000 |
| Ozaukee County Wisconsin | 1 | $ 195,000 | $ 195,000 | $ 56,000 |
| St. Croix County Wisconsin | 1 | $ 405,000 | $ 405,000 | $ 160,000 |
Mortgage Loan Application Detail Totals for Star One Credit Union in 2020
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 |
|---|---|---|---|---|---|---|
| Other Purpose | 1,563 | $685,525,000 | $438,000 | $2,455,000 | $203,000 | $1,812,000 |
| Home Purchase | 1,260 | $764,730,000 | $606,000 | $2,805,000 | $206,000 | $1,857,000 |
| Refinancing | 817 | $409,205,000 | $500,000 | $2,505,000 | $230,000 | $2,295,000 |
| Cash-out Refinancing | 794 | $492,940,000 | $620,000 | $2,105,000 | $213,000 | $3,022,000 |
| Home Improvement | 678 | $199,380,000 | $294,000 | $2,005,000 | $190,000 | $1,120,000 |
| 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 | 2,110 | $1,014,360,000 | $480,000 | $2,805,000 | $199,000 | $3,022,000 |
| Asian | 1,095 | $610,905,000 | $557,000 | $2,805,000 | $226,000 | $1,857,000 |
| Not Provided | 1,076 | $517,920,000 | $481,000 | $2,605,000 | $213,000 | $2,294,000 |
| Hispanic | 372 | $166,670,000 | $448,000 | $1,805,000 | $173,000 | $682,000 |
| Black or African American | 80 | $37,720,000 | $471,000 | $1,225,000 | $181,000 | $800,000 |
| American Indian or Alaskan Native | 16 | $7,120,000 | $445,000 | $1,005,000 | $129,000 | $240,000 |
| Native Hawaiian or Other Pacific Islander | 6 | $2,000,000 | $333,000 | $705,000 | $189,000 | $358,000 |
| 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) | 5,112 | $2,551,780,000 | $499,000 | $2,805,000 | $208,000 | $3,022,000 |
| 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 | 2,880 | $1,357,540,000 | $471,000 | $2,455,000 | $211,000 | $2,295,000 |
| Application Approved But Not Accepted | 713 | $345,505,000 | $484,000 | $2,135,000 | $223,000 | $1,183,000 |
| Application Denied By Financial Institution | 589 | $280,765,000 | $476,000 | $2,505,000 | $187,000 | $3,022,000 |
| Preapproval Approved but not Accepted | 561 | $365,015,000 | $650,000 | $2,805,000 | $213,000 | $1,857,000 |
| File Closed For Incompleteness | 219 | $108,355,000 | $494,000 | $2,105,000 | $198,000 | $1,120,000 |
| Preapproval Denied by Financial Institution | 117 | $78,635,000 | $672,000 | $2,605,000 | $161,000 | $980,000 |
| Application Withdrawn By Applicant | 33 | $15,965,000 | $483,000 | $1,605,000 | $119,000 | $584,000 |
| 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 | 4,406 | $2,192,380,000 | $497,000 | $2,805,000 | $212,000 | $2,295,000 |
| Debt-To-Income Ratio | 272 | $141,230,000 | $519,000 | $2,605,000 | $111,000 | $578,000 |
| Credit Application Incomplete | 172 | $87,040,000 | $506,000 | $1,755,000 | $212,000 | $1,020,000 |
| Unverifiable Information | 86 | $44,610,000 | $518,000 | $2,505,000 | $285,000 | $3,022,000 |
| Credit History | 70 | $34,170,000 | $488,000 | $2,525,000 | $184,000 | $980,000 |
| Other | 62 | $24,980,000 | $402,000 | $1,475,000 | $236,000 | $1,118,000 |
| Collateral | 26 | $12,840,000 | $493,000 | $2,325,000 | $262,000 | $453,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 14 | $10,980,000 | $784,000 | $1,465,000 | $203,000 | $361,000 |
| Mortgage Insurance Denied | 2 | $2,430,000 | $1,215,000 | $1,285,000 | $293,000 | $342,000 |
| Employment History | 2 | $1,120,000 | $560,000 | $755,000 | $215,000 | $350,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Star One Credit Union's 2020 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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