Star One Credit Union Mortgage Lending & HMDA Data, 2008
In 2008, Star One Credit Union of Sunnyvale, CA reported 2,594 mortgage applications totaling $1.0 billion, up 212% from 2007. The average application was for $402,424, and applicants reported an average income of $153,464. 60% of its applications resulted in an originated loan and 9% were denied. Its largest markets were San Jose-Sunnyvale-Santa Clara, CA (1,203), Oakland-Fremont-Hayward, CA (329) and San Francisco-San Mateo-Redwood City, CA (136) (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 | 2,594 |
| Total Mortgage Loan Application Amount | $1,043,889,000 |
| Average Mortgage Loan Application Amount | $402,424 |
| Highest Mortgage Loan Application Amount | $2,000,000 |
| Average Applicant Income | $153,464 |
| Highest Applicant Income | $1,682,000 |
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(HMDA) records Star One Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,203 | $ 519,258,000 | $ 431,635 | $ 162,000 |
| Oakland-Fremont-Hayward, CA | 329 | $ 142,137,000 | $ 432,027 | $ 163,000 |
| San Francisco-San Mateo-Redwood City, CA | 136 | $ 64,666,000 | $ 475,485 | $ 176,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 76 | $ 20,522,000 | $ 270,026 | $ 137,000 |
| Santa Cruz-Watsonville, CA | 51 | $ 20,185,000 | $ 395,784 | $ 159,000 |
| Stockton, CA | 32 | $ 7,183,000 | $ 224,468 | $ 113,000 |
| Austin-Round Rock, TX | 26 | $ 5,141,000 | $ 197,730 | $ 124,000 |
| Los Angeles-Long Beach-Glendale, CA | 26 | $ 10,723,000 | $ 412,423 | $ 161,000 |
| San Diego-Carlsbad-San Marcos, CA | 20 | $ 6,817,000 | $ 340,850 | $ 170,000 |
| Modesto, CA | 15 | $ 2,869,000 | $ 191,266 | $ 103,000 |
| Denver-Aurora, CO | 12 | $ 2,613,000 | $ 217,750 | $ 115,000 |
| Santa Ana-Anaheim-Irvine, CA | 12 | $ 4,959,000 | $ 413,250 | $ 136,000 |
| San Luis Obispo-Paso Robles, CA | 11 | $ 3,352,000 | $ 304,727 | $ 127,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 10 | $ 3,225,000 | $ 322,500 | $ 96,100 |
| Colorado Springs, CO | 9 | $ 1,385,000 | $ 153,888 | $ 110,000 |
| Phoenix-Mesa-Scottsdale, AZ | 9 | $ 2,148,000 | $ 238,666 | $ 106,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 9 | $ 1,920,000 | $ 213,333 | $ 136,000 |
| Seattle-Bellevue-Everett, WA | 9 | $ 3,002,000 | $ 333,555 | $ 104,000 |
| Vallejo-Fairfield, CA | 9 | $ 2,296,000 | $ 255,111 | $ 119,000 |
| Las Vegas-Paradise, NV | 8 | $ 1,174,000 | $ 146,750 | $ 126,000 |
| Riverside-San Bernardino-Ontario, CA | 8 | $ 3,044,000 | $ 380,500 | $ 221,000 |
| Fresno, CA | 7 | $ 1,536,000 | $ 219,428 | $ 86,000 |
| Salinas, CA | 7 | $ 3,253,000 | $ 464,714 | $ 201,000 |
| Baltimore-Towson, MD | 6 | $ 1,775,000 | $ 295,833 | $ 93,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 6 | $ 2,468,000 | $ 411,333 | $ 229,000 |
| Albuquerque, NM | 5 | $ 893,000 | $ 178,600 | $ 99,000 |
| Dallas-Plano-Irving, TX | 5 | $ 1,000,000 | $ 200,000 | $ 166,000 |
| Santa Rosa-Petaluma, CA | 5 | $ 1,262,000 | $ 252,400 | $ 203,000 |
| Atlanta-Sandy Springs-Marietta, GA | 4 | $ 634,000 | $ 158,500 | $ 76,000 |
| Boulder, CO | 4 | $ 1,082,000 | $ 270,500 | $ 176,000 |
| Chicago-Naperville-Joliet, IL | 4 | $ 2,103,000 | $ 525,750 | $ 173,000 |
| Honolulu, HI | 4 | $ 1,347,000 | $ 336,750 | $ 131,000 |
| Houston-Sugar Land-Baytown, TX | 4 | $ 387,000 | $ 96,750 | $ 62,000 |
| Napa, CA | 4 | $ 1,429,000 | $ 357,250 | $ 177,000 |
| Portland-Vancouver-Beaverton, OR-WA | 4 | $ 1,667,000 | $ 416,750 | $ 162,000 |
| Redding, CA | 4 | $ 496,000 | $ 124,000 | $ 122,000 |
| Reno-Sparks, NV | 4 | $ 728,000 | $ 182,000 | $ 53,000 |
| Bakersfield, CA | 3 | $ 620,000 | $ 206,666 | $ 217,000 |
| Boise City-Nampa, ID | 3 | $ 630,000 | $ 210,000 | $ 103,000 |
| Bremerton-Silverdale, WA | 3 | $ 915,000 | $ 305,000 | $ 241,000 |
| Fort Collins-Loveland, CO | 3 | $ 755,000 | $ 251,666 | $ 122,000 |
| Huntsville, AL | 3 | $ 516,000 | $ 172,000 | $ 150,000 |
| Lake Havasu City-Kingman, AZ | 3 | $ 809,000 | $ 269,666 | $ 82,000 |
| Prescott, AZ | 3 | $ 1,804,000 | $ 601,333 | $ 84,000 |
| San Antonio, TX | 3 | $ 453,000 | $ 151,000 | $ 68,000 |
| Bethesda-Frederick-Gaithersburg, MD | 2 | $ 948,000 | $ 474,000 | $ 123,000 |
| Cambridge-Newton-Framingham, MA | 2 | $ 705,000 | $ 352,500 | $ 205,000 |
| Chico, CA | 2 | $ 372,000 | $ 186,000 | $ 76,000 |
| Fort Worth-Arlington, TX | 2 | $ 205,000 | $ 102,500 | $ 234,000 |
| Joplin, MO | 2 | $ 164,000 | $ 82,000 | $ 162,000 |
| Madera, CA | 2 | $ 358,000 | $ 179,000 | $ 201,000 |
| Medford, OR | 2 | $ 325,000 | $ 162,500 | $ 55,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 2 | $ 420,000 | $ 210,000 | $ 103,000 |
| New York-White Plains-Wayne, NY-NJ | 2 | $ 700,000 | $ 350,000 | $ 161,000 |
| Orlando-Kissimmee, FL | 2 | $ 307,000 | $ 153,500 | $ 57,000 |
| Sebastian-Vero Beach, FL | 2 | $ 194,000 | $ 97,000 | $ 80,000 |
| Springfield, MO | 2 | $ 100,000 | $ 50,000 | $ 126,000 |
| St. George, UT | 2 | $ 329,000 | $ 164,500 | $ 93,000 |
| Tampa-St. Petersburg-Clearwater, FL | 2 | $ 376,000 | $ 188,000 | $ 52,000 |
| Tucson, AZ | 2 | $ 681,000 | $ 340,500 | $ 98,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 2 | $ 501,000 | $ 250,500 | $ 146,000 |
| Yuma, AZ | 2 | $ 324,000 | $ 162,000 | $ 147,000 |
| Albany-Schenectady-Troy, NY | 1 | $ 178,000 | $ 178,000 | $ 119,000 |
| Bellingham, WA | 1 | $ 198,000 | $ 198,000 | $ 40,000 |
| Boston-Quincy, MA | 1 | $ 650,000 | $ 650,000 | $ 356,000 |
| Bridgeport-Stamford-Norwalk, CT | 1 | $ 500,000 | $ 500,000 | $ 185,000 |
| Charlottesville, VA | 1 | $ 240,000 | $ 240,000 | $ 260,000 |
| Columbus, OH | 1 | $ 52,000 | $ 52,000 | $ 83,000 |
| Decatur, AL | 1 | $ 35,000 | $ 35,000 | $ 98,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 155,000 | $ 155,000 | $ 176,000 |
| Edison-New Brunswick, NJ | 1 | $ 595,000 | $ 595,000 | $ 223,000 |
| El Paso, TX | 1 | $ 125,000 | $ 125,000 | $ 195,000 |
| Eugene-Springfield, OR | 1 | $ 213,000 | $ 213,000 | $ 103,000 |
| Flagstaff, AZ | 1 | $ 580,000 | $ 580,000 | $ 136,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 280,000 | $ 280,000 | $ 180,000 |
| Huntington-Ashland, WV-KY-OH | 1 | $ 125,000 | $ 125,000 | $ 437,000 |
| Jacksonville, FL | 1 | $ 384,000 | $ 384,000 | $ 230,000 |
| Kansas City, MO-KS | 1 | $ 95,000 | $ 95,000 | $ 52,000 |
| Las Cruces, NM | 1 | $ 615,000 | $ 615,000 | $ 112,000 |
| Merced, CA | 1 | $ 310,000 | $ 310,000 | $ 128,000 |
| Mobile, AL | 1 | $ 149,000 | $ 149,000 | $ 63,000 |
| Mount Vernon-Anacortes, WA | 1 | $ 100,000 | $ 100,000 | $ 29,000 |
| New Haven-Milford, CT | 1 | $ 444,000 | $ 444,000 | $ 152,000 |
| New Orleans-Metairie-Kenner, LA | 1 | $ 209,000 | $ 209,000 | $ 80,000 |
| Niles-Benton Harbor, MI | 1 | $ 315,000 | $ 315,000 | $ 155,000 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 184,000 | $ 184,000 | $ 142,000 |
| Pittsburgh, PA | 1 | $ 149,000 | $ 149,000 | $ 110,000 |
| Pittsfield, MA | 1 | $ 276,000 | $ 276,000 | $ 126,000 |
| Providence-New Bedford-Fall River, RI-MA | 1 | $ 400,000 | $ 400,000 | $ 120,000 |
| Punta Gorda, FL | 1 | $ 101,000 | $ 101,000 | $ 93,000 |
| Richmond, VA | 1 | $ 40,000 | $ 40,000 | $ 97,000 |
| Rockingham County-Strafford County, NH | 1 | $ 276,000 | $ 276,000 | $ 118,000 |
| Salem, OR | 1 | $ 178,000 | $ 178,000 | $ 83,000 |
| Spokane, WA | 1 | $ 141,000 | $ 141,000 | $ 80,000 |
| St. Louis, MO-IL | 1 | $ 32,000 | $ 32,000 | $ 24,000 |
| Tacoma, WA | 1 | $ 175,000 | $ 175,000 | $ 56,000 |
| Tallahassee, FL | 1 | $ 212,000 | $ 212,000 | $ 162,000 |
| Worcester, MA | 1 | $ 208,000 | $ 208,000 | $ 139,000 |
| Yuba City, CA | 1 | $ 125,000 | $ 125,000 | $ 60,000 |
Mortgage Loan Application Detail Totals for Star One Credit Union in 2008
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 | 1,558 | $604,801,000 | $388,000 | $1,470,000 | $155,000 | $1,325,000 |
| Home Purchase | 973 | $431,354,000 | $443,000 | $2,000,000 | $150,000 | $1,682,000 |
| Home Improvement | 63 | $7,734,000 | $122,000 | $750,000 | $169,000 | $924,000 |
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 | 1,157 | $426,410,000 | $368,000 | $2,000,000 | $145,000 | $1,682,000 |
| Asian | 715 | $338,171,000 | $472,000 | $2,000,000 | $164,000 | $1,322,000 |
| Not Provided | 567 | $224,273,000 | $395,000 | $2,000,000 | $163,000 | $1,325,000 |
| Hispanic | 90 | $32,593,000 | $362,000 | $730,000 | $126,000 | $499,000 |
| Black or African American | 35 | $11,822,000 | $337,000 | $980,000 | $135,000 | $351,000 |
| Native Hawaiian or Other Pacific Islander | 18 | $6,353,000 | $352,000 | $664,000 | $142,000 | $237,000 |
| American Indian or Alaskan Native | 12 | $4,267,000 | $355,000 | $756,000 | $122,000 | $269,000 |
| 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) | 2,594 | $1,043,889,000 | $402,000 | $2,000,000 | $153,000 | $1,682,000 |
| 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 | 1,544 | $619,961,000 | $401,000 | $1,500,000 | $154,000 | $1,682,000 |
| Application Withdrawn By Applicant | 464 | $187,637,000 | $404,000 | $1,330,000 | $163,000 | $1,151,000 |
| Application Denied By Financial Institution | 238 | $84,694,000 | $355,000 | $1,290,000 | $125,000 | $941,000 |
| File Closed For Incompleteness | 201 | $87,260,000 | $434,000 | $2,000,000 | $160,000 | $618,000 |
| Application Approved But Not Accepted | 86 | $36,211,000 | $421,000 | $975,000 | $172,000 | $987,000 |
| Preapproval Approved but not Accepted | 54 | $25,291,000 | $468,000 | $1,000,000 | $138,000 | $416,000 |
| Preapproval Denied by Financial Institution | 7 | $2,835,000 | $405,000 | $700,000 | $137,000 | $360,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 70 | $27,964,000 | $399,000 | $861,000 | $109,000 | $941,000 |
| Collateral | 51 | $18,074,000 | $354,000 | $1,000,000 | $142,000 | $322,000 |
| Credit History | 35 | $12,145,000 | $347,000 | $824,000 | $121,000 | $360,000 |
| Other | 22 | $6,687,000 | $303,000 | $1,290,000 | $186,000 | $924,000 |
| Unverifiable Information | 4 | $2,270,000 | $567,000 | $700,000 | $106,000 | $150,000 |
| Mortgage Insurance Denied | 1 | $410,000 | $410,000 | $410,000 | $118,000 | $118,000 |
| Credit Application Incomplete | 1 | $240,000 | $240,000 | $240,000 | $95,000 | $95,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Star One Credit Union's 2008 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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