Star One Credit Union Mortgage Lending & HMDA Data, 2005
In 2005, Star One Credit Union of Sunnyvale, CA reported 875 mortgage applications totaling $250.2 million, down 26% from 2004. The average application was for $285,893, and applicants reported an average income of $102,925. 63% of its applications resulted in an originated loan and 11% were denied. Its largest markets were San Jose-Sunnyvale-Santa Clara, CA (347), Oakland-Fremont-Hayward, CA (85) and San Francisco-San Mateo-Redwood City, CA (39) (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 | 875 |
| Total Mortgage Loan Application Amount | $250,157,000 |
| Average Mortgage Loan Application Amount | $285,893 |
| Highest Mortgage Loan Application Amount | $1,000,000 |
| Average Applicant Income | $102,925 |
| Highest Applicant Income | $599,000 |
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(HMDA) records Star One Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| San Jose-Sunnyvale-Santa Clara, CA | 347 | $ 100,134,000 | $ 288,570 | $ 103,000 |
| Oakland-Fremont-Hayward, CA | 85 | $ 23,101,000 | $ 271,776 | $ 112,000 |
| San Francisco-San Mateo-Redwood City, CA | 39 | $ 15,315,000 | $ 392,692 | $ 181,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 31 | $ 7,469,000 | $ 240,935 | $ 78,000 |
| Santa Cruz-Watsonville, CA | 23 | $ 7,050,000 | $ 306,521 | $ 136,000 |
| Stockton, CA | 19 | $ 5,678,000 | $ 298,842 | $ 96,000 |
| Austin-Round Rock, TX | 18 | $ 2,362,000 | $ 131,222 | $ 80,000 |
| Modesto, CA | 10 | $ 2,315,000 | $ 231,500 | $ 110,000 |
| Los Angeles-Long Beach-Glendale, CA | 8 | $ 2,346,000 | $ 293,250 | $ 82,000 |
| Phoenix-Mesa-Scottsdale, AZ | 8 | $ 2,025,000 | $ 253,125 | $ 137,000 |
| Fresno, CA | 7 | $ 1,091,000 | $ 155,857 | $ 87,000 |
| San Diego-Carlsbad-San Marcos, CA | 7 | $ 2,261,000 | $ 323,000 | $ 140,000 |
| Denver-Aurora, CO | 6 | $ 1,698,000 | $ 283,000 | $ 128,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 5 | $ 1,378,000 | $ 275,600 | $ 85,000 |
| Boulder, CO | 4 | $ 965,000 | $ 241,250 | $ 100,000 |
| Palm Bay-Melbourne-Titusville, FL | 4 | $ 932,000 | $ 233,000 | $ 97,000 |
| San Luis Obispo-Paso Robles, CA | 4 | $ 1,020,000 | $ 255,000 | $ 69,000 |
| Vallejo-Fairfield, CA | 4 | $ 652,000 | $ 163,000 | $ 72,000 |
| Huntsville, AL | 3 | $ 362,000 | $ 120,666 | $ 82,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 3 | $ 652,000 | $ 217,333 | $ 79,000 |
| Riverside-San Bernardino-Ontario, CA | 3 | $ 305,000 | $ 101,666 | $ 47,000 |
| Seattle-Bellevue-Everett, WA | 3 | $ 719,000 | $ 239,666 | $ 80,000 |
| Tucson, AZ | 3 | $ 573,000 | $ 191,000 | $ 118,000 |
| Bremerton-Silverdale, WA | 2 | $ 430,000 | $ 215,000 | $ 138,000 |
| Chico, CA | 2 | $ 238,000 | $ 119,000 | $ 74,000 |
| Eugene-Springfield, OR | 2 | $ 458,000 | $ 229,000 | $ 102,000 |
| Las Vegas-Paradise, NV | 2 | $ 659,000 | $ 329,500 | $ 103,000 |
| Madera, CA | 2 | $ 653,000 | $ 326,500 | $ 94,000 |
| Merced, CA | 2 | $ 160,000 | $ 80,000 | $ 62,000 |
| Philadelphia, PA | 2 | $ 600,000 | $ 300,000 | $ 83,000 |
| Portland-Vancouver-Beaverton, OR-WA | 2 | $ 644,000 | $ 322,000 | $ 128,000 |
| Reno-Sparks, NV | 2 | $ 232,000 | $ 116,000 | $ 34,000 |
| San Antonio, TX | 2 | $ 202,000 | $ 101,000 | $ 59,000 |
| Santa Ana-Anaheim-Irvine, CA | 2 | $ 565,000 | $ 282,500 | $ 90,000 |
| St. Louis, MO-IL | 2 | $ 332,000 | $ 166,000 | $ 49,000 |
| Albuquerque, NM | 1 | $ 315,000 | $ 315,000 | $ 90,000 |
| Baltimore-Towson, MD | 1 | $ 525,000 | $ 525,000 | $ 146,000 |
| Boise City-Nampa, ID | 1 | $ 319,000 | $ 319,000 | $ 92,000 |
| Cambridge-Newton-Framingham, MA | 1 | $ 299,000 | $ 299,000 | $ 75,000 |
| Chicago-Naperville-Joliet, IL | 1 | $ 221,000 | $ 221,000 | $ 79,000 |
| Dallas-Plano-Irving, TX | 1 | $ 200,000 | $ 200,000 | $ 106,000 |
| Edison, NJ | 1 | $ 140,000 | $ 140,000 | $ 143,000 |
| El Paso, TX | 1 | $ 59,000 | $ 59,000 | $ 10,000 |
| Flagstaff, AZ | 1 | $ 151,000 | $ 151,000 | $ 133,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 183,000 | $ 183,000 | $ 123,000 |
| Fort Worth-Arlington, TX | 1 | $ 110,000 | $ 110,000 | $ 126,000 |
| Greeley, CO | 1 | $ 176,000 | $ 176,000 | $ 129,000 |
| Hartford-West Hartford-East Hartford, CT | 1 | $ 180,000 | $ 180,000 | $ 253,000 |
| Houston-Baytown-Sugar Land, TX | 1 | $ 55,000 | $ 55,000 | $ 62,000 |
| Las Cruces, NM | 1 | $ 231,000 | $ 231,000 | $ 107,000 |
| Lawrence, KS | 1 | $ 125,000 | $ 125,000 | $ 50,000 |
| Lawton, OK | 1 | $ 250,000 | $ 250,000 | $ 71,000 |
| Napa, CA | 1 | $ 64,000 | $ 64,000 | $ 200,000 |
| Nashville-Davidson--Murfreesboro, TN | 1 | $ 170,000 | $ 170,000 | $ 78,000 |
| New York-Wayne-White Plains, NY-NJ | 1 | $ 950,000 | $ 950,000 | $ 197,000 |
| Ogden-Clearfield, UT | 1 | $ 55,000 | $ 55,000 | $ 25,000 |
| Omaha-Council Bluffs, NE-IA | 1 | $ 130,000 | $ 130,000 | $ 101,000 |
| Orlando, FL | 1 | $ 200,000 | $ 200,000 | $ 40,000 |
| Prescott, AZ | 1 | $ 100,000 | $ 100,000 | $ 21,000 |
| Reading, PA | 1 | $ 25,000 | $ 25,000 | $ 55,000 |
| Salem, OR | 1 | $ 146,000 | $ 146,000 | $ 75,000 |
| Salinas, CA | 1 | $ 150,000 | $ 150,000 | $ 43,000 |
| Santa Rosa-Petaluma, CA | 1 | $ 425,000 | $ 425,000 | $ 37,000 |
| Sarasota-Bradenton-Venice, FL | 1 | $ 52,000 | $ 52,000 | $ 116,000 |
| St. George, UT | 1 | $ 140,000 | $ 140,000 | $ 70,000 |
| Tacoma, WA | 1 | $ 53,000 | $ 53,000 | $ 401,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 1 | $ 352,000 | $ 352,000 | $ 221,000 |
| Yuba City, CA | 1 | $ 200,000 | $ 200,000 | $ 57,000 |
Mortgage Loan Application Detail Totals for Star One Credit Union in 2005
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 | 609 | $165,369,000 | $240,523 | $1,000,000 | $97,047 | $470,000 |
| Home Purchase | 253 | $82,450,000 | $243,142 | $1,000,000 | $92,904 | $599,000 |
| Home Improvement | 13 | $2,338,000 | $112,500 | $650,000 | $94,000 | $221,000 |
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 | 585 | $169,508,000 | $259,269 | $1,000,000 | $104,538 | $401,000 |
| Not Provided | 113 | $30,123,000 | $221,500 | $1,000,000 | $99,833 | $599,000 |
| Asian | 111 | $34,394,000 | $271,000 | $1,000,000 | $106,818 | $275,000 |
| Hispanic | 41 | $10,351,000 | $227,000 | $495,000 | $74,800 | $196,000 |
| Black or African American | 12 | $2,670,000 | $209,000 | $684,000 | $84,200 | $117,000 |
| Native Hawaiian or Other Pacific Islander | 8 | $2,145,000 | $331,000 | $563,000 | $119,666 | $171,000 |
| American Indian or Alaskan Native | 5 | $966,000 | $172,000 | $430,000 | $58,500 | $184,000 |
| 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) | 875 | $250,157,000 | $251,750 | $1,000,000 | $101,035 | $599,000 |
| 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 | 548 | $151,510,000 | $223,363 | $1,000,000 | $96,181 | $599,000 |
| Application Withdrawn By Applicant | 108 | $29,555,000 | $183,636 | $1,000,000 | $84,454 | $268,000 |
| Application Denied By Financial Institution | 98 | $25,437,000 | $292,384 | $950,000 | $101,538 | $258,000 |
| Preapproval Approved but not Accepted | 84 | $29,857,000 | $355,000 | $850,000 | $128,000 | $286,000 |
| Preapproval Denied by Financial Institution | 18 | $8,407,000 | $467,000 | $1,000,000 | $133,000 | $400,000 |
| Application Approved But Not Accepted | 17 | $5,178,000 | $294,000 | $575,000 | $112,250 | $185,000 |
| File Closed For Incompleteness | 2 | $213,000 | $106,500 | $135,000 | $115,000 | $125,000 |
| 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 |
|---|---|---|---|---|---|---|
| Other | 25 | $6,686,000 | $215,857 | $808,000 | $122,428 | $400,000 |
| Credit History | 22 | $6,890,000 | $375,666 | $1,000,000 | $107,166 | $366,000 |
| Debt-To-Income Ratio | 22 | $7,523,000 | $379,333 | $675,000 | $105,000 | $183,000 |
| Collateral | 13 | $3,739,000 | $354,333 | $950,000 | $142,333 | $258,000 |
| Unverifiable Information | 2 | $270,000 | $135,000 | $150,000 | $77,500 | $100,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $1,060,000 | $530,000 | $565,000 | $97,500 | $105,000 |
| Credit Application Incomplete | 1 | $140,000 | $140,000 | $140,000 | $180,000 | $180,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Star One Credit Union's 2005 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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