Star One Credit Union Mortgage Lending & HMDA Data, 2011
In 2011, Star One Credit Union of Sunnyvale, CA reported 2,326 mortgage applications totaling $884.5 million, down 20% from 2010. The average application was for $380,251, and applicants reported an average income of $164,239. 42% of its applications resulted in an originated loan and 14% were denied. Its largest markets were San Jose-Sunnyvale-Santa Clara, CA (1,141), Oakland-Fremont-Hayward, CA (252) and San Francisco-San Mateo-Redwood City, CA (141) (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 | 2,326 |
| Total Mortgage Loan Application Amount | $884,465,000 |
| Average Mortgage Loan Application Amount | $380,251 |
| Highest Mortgage Loan Application Amount | $1,537,000 |
| Average Applicant Income | $164,239 |
| Highest Applicant Income | $2,436,000 |
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(HMDA) records Star One Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,141 | $ 466,500,000 | $ 408,851 | $ 171,000 |
| Oakland-Fremont-Hayward, CA | 252 | $ 106,298,000 | $ 421,817 | $ 168,000 |
| San Francisco-San Mateo-Redwood City, CA | 141 | $ 69,058,000 | $ 489,773 | $ 209,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 62 | $ 12,737,000 | $ 205,435 | $ 143,000 |
| Santa Cruz-Watsonville, CA | 45 | $ 15,975,000 | $ 355,000 | $ 173,000 |
| Stockton, CA | 23 | $ 4,185,000 | $ 181,956 | $ 125,000 |
| Los Angeles-Long Beach-Glendale, CA | 20 | $ 8,021,000 | $ 401,050 | $ 205,000 |
| San Diego-Carlsbad-San Marcos, CA | 18 | $ 8,341,000 | $ 463,388 | $ 139,000 |
| Austin-Round Rock-San Marcos, TX | 15 | $ 3,068,000 | $ 204,533 | $ 130,000 |
| Phoenix-Mesa-Glendale, AZ | 13 | $ 1,963,000 | $ 151,000 | $ 146,000 |
| Reno-Sparks, NV | 13 | $ 2,460,000 | $ 189,230 | $ 117,000 |
| Santa Ana-Anaheim-Irvine, CA | 13 | $ 4,862,000 | $ 374,000 | $ 155,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 12 | $ 4,613,000 | $ 384,416 | $ 148,083 |
| Santa Rosa-Petaluma, CA | 11 | $ 3,313,000 | $ 301,181 | $ 107,000 |
| Modesto, CA | 10 | $ 1,421,000 | $ 142,100 | $ 115,000 |
| Salinas, CA | 9 | $ 3,636,000 | $ 404,000 | $ 196,000 |
| Denver-Aurora-Broomfield, CO | 8 | $ 1,038,000 | $ 129,750 | $ 105,000 |
| Fresno, CA | 8 | $ 951,000 | $ 118,875 | $ 152,000 |
| Riverside-San Bernardino-Ontario, CA | 8 | $ 1,434,000 | $ 179,250 | $ 104,000 |
| Boulder, CO | 7 | $ 1,573,000 | $ 224,714 | $ 116,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 7 | $ 1,793,000 | $ 256,142 | $ 195,142 |
| Redding, CA | 6 | $ 1,279,000 | $ 213,166 | $ 71,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 6 | $ 1,539,000 | $ 256,500 | $ 80,000 |
| Seattle-Bellevue-Everett, WA | 6 | $ 2,461,000 | $ 410,166 | $ 173,000 |
| Vallejo-Fairfield, CA | 6 | $ 1,322,000 | $ 220,333 | $ 168,000 |
| Colorado Springs, CO | 5 | $ 842,000 | $ 168,400 | $ 150,000 |
| Las Vegas-Paradise, NV | 4 | $ 481,000 | $ 120,250 | $ 106,000 |
| Merced, CA | 4 | $ 283,000 | $ 70,750 | $ 78,000 |
| Tacoma, WA | 4 | $ 584,000 | $ 146,000 | $ 175,000 |
| Albuquerque, NM | 3 | $ 791,000 | $ 263,666 | $ 188,000 |
| Chico, CA | 3 | $ 371,000 | $ 123,666 | $ 95,000 |
| Dallas-Plano-Irving, TX | 3 | $ 507,000 | $ 169,000 | $ 289,000 |
| El Centro, CA | 3 | $ 197,000 | $ 65,666 | $ 205,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 3 | $ 1,545,000 | $ 515,000 | $ 194,000 |
| Philadelphia, PA | 3 | $ 1,177,000 | $ 392,333 | $ 148,000 |
| San Luis Obispo-Paso Robles, CA | 3 | $ 320,000 | $ 106,666 | $ 104,000 |
| Bethesda-Rockville-Frederick, MD | 2 | $ 437,000 | $ 218,500 | $ 214,000 |
| Fort Worth-Arlington, TX | 2 | $ 651,000 | $ 325,500 | $ 110,000 |
| Houston-Sugar Land-Baytown, TX | 2 | $ 217,000 | $ 108,500 | $ 81,000 |
| Medford, OR | 2 | $ 520,000 | $ 260,000 | $ 74,000 |
| Napa, CA | 2 | $ 776,000 | $ 388,000 | $ 235,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 2 | $ 497,000 | $ 248,500 | $ 92,000 |
| Abilene, TX | 1 | $ 104,000 | $ 104,000 | $ 40,000 |
| Albany-Schenectady-Troy, NY | 1 | $ 236,000 | $ 236,000 | $ 83,000 |
| Athens-Clarke County, GA | 1 | $ 190,000 | $ 190,000 | $ 105,000 |
| Bellingham, WA | 1 | $ 73,000 | $ 73,000 | $ 40,000 |
| Boise City-Nampa, ID | 1 | $ 272,000 | $ 272,000 | $ 80,000 |
| Bremerton-Silverdale, WA | 1 | $ 335,000 | $ 335,000 | $ 145,000 |
| Chicago-Joliet-Naperville, IL | 1 | $ 42,000 | $ 42,000 | $ 111,000 |
| Coeur D'Alene, ID | 1 | $ 168,000 | $ 168,000 | $ 54,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 60,000 | $ 60,000 | $ 82,000 |
| Des Moines-West Des Moines, IA | 1 | $ 287,000 | $ 287,000 | $ 318,000 |
| Durham-Chapel Hill, NC | 1 | $ 210,000 | $ 210,000 | $ 62,000 |
| Edison-New Brunswick, NJ | 1 | $ 96,000 | $ 96,000 | $ 51,000 |
| Fort Collins-Loveland, CO | 1 | $ 368,000 | $ 368,000 | $ 196,000 |
| Greeley, CO | 1 | $ 60,000 | $ 60,000 | $ 316,000 |
| Huntsville, AL | 1 | $ 623,000 | $ 623,000 | $ 269,000 |
| Indianapolis-Carmel, IN | 1 | $ 106,000 | $ 106,000 | $ 145,000 |
| Jacksonville, FL | 1 | $ 35,000 | $ 35,000 | $ 189,000 |
| Kansas City, MO-KS | 1 | $ 324,000 | $ 324,000 | $ 144,000 |
| Knoxville, TN | 1 | $ 621,000 | $ 621,000 | $ 185,000 |
| Lake County-Kenosha County, IL-WI | 1 | $ 249,000 | $ 249,000 | $ 128,000 |
| Lansing-East Lansing, MI | 1 | $ 112,000 | $ 112,000 | $ 216,000 |
| Madera-Chowchilla, CA | 1 | $ 223,000 | $ 223,000 | $ 93,000 |
| Miami-Miami Beach-Kendall, FL | 1 | $ 78,000 | $ 78,000 | $ 180,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 1 | $ 86,000 | $ 86,000 | $ 87,000 |
| Ogden-Clearfield, UT | 1 | $ 109,000 | $ 109,000 | $ 131,000 |
| Oklahoma City, OK | 1 | $ 140,000 | $ 140,000 | $ 231,000 |
| Orlando-Kissimmee-Sanford, FL | 1 | $ 84,000 | $ 84,000 | $ 108,000 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 99,000 | $ 99,000 | $ 92,000 |
| Pittsburgh, PA | 1 | $ 321,000 | $ 321,000 | $ 137,000 |
| Port St. Lucie, FL | 1 | $ 192,000 | $ 192,000 | $ 60,000 |
| Tampa-St. Petersburg-Clearwater, FL | 1 | $ 130,000 | $ 130,000 | $ 53,000 |
| Tucson, AZ | 1 | $ 798,000 | $ 798,000 | $ 290,000 |
| Warren-Troy-Farmington Hills, MI | 1 | $ 303,000 | $ 303,000 | $ 100,000 |
| Wenatchee-East Wenatchee, WA | 1 | $ 258,000 | $ 258,000 | $ 123,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 1 | $ 300,000 | $ 300,000 | $ 214,000 |
| Wilmington, NC | 1 | $ 417,000 | $ 417,000 | $ 614,000 |
| Yuba City, CA | 1 | $ 87,000 | $ 87,000 | $ 50,000 |
| Yuma, AZ | 1 | $ 156,000 | $ 156,000 | $ 59,000 |
Mortgage Loan Application Detail Totals for Star One Credit Union in 2011
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 | 1,645 | $637,290,000 | $387,000 | $1,537,000 | $170,000 | $2,025,000 |
| Home Purchase | 659 | $240,203,000 | $364,000 | $1,150,000 | $150,000 | $2,436,000 |
| Home Improvement | 22 | $6,972,000 | $316,000 | $700,000 | $160,000 | $554,000 |
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 | 972 | $341,063,000 | $350,000 | $1,537,000 | $156,000 | $988,000 |
| Not Provided | 679 | $270,634,000 | $398,000 | $1,500,000 | $175,000 | $2,436,000 |
| Asian | 535 | $234,168,000 | $437,000 | $1,260,000 | $175,000 | $950,000 |
| Hispanic | 104 | $29,341,000 | $282,000 | $1,007,000 | $132,000 | $640,000 |
| Black or African American | 20 | $4,488,000 | $224,000 | $651,000 | $105,000 | $249,000 |
| American Indian or Alaskan Native | 9 | $3,463,000 | $384,000 | $712,000 | $111,000 | $205,000 |
| Native Hawaiian or Other Pacific Islander | 7 | $1,308,000 | $186,000 | $400,000 | $105,000 | $266,000 |
| 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) | 2,326 | $884,465,000 | $380,000 | $1,537,000 | $164,000 | $2,436,000 |
| 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 | 972 | $365,476,000 | $376,000 | $1,208,000 | $172,000 | $1,148,000 |
| Application Withdrawn By Applicant | 685 | $264,178,000 | $385,000 | $1,537,000 | $164,000 | $950,000 |
| Application Denied By Financial Institution | 332 | $117,354,000 | $353,000 | $1,500,000 | $125,000 | $1,035,000 |
| File Closed For Incompleteness | 307 | $125,792,000 | $409,000 | $1,390,000 | $181,000 | $2,436,000 |
| Application Approved But Not Accepted | 19 | $7,552,000 | $397,000 | $640,000 | $184,000 | $365,000 |
| Preapproval Denied by Financial Institution | 11 | $4,113,000 | $373,000 | $720,000 | $113,000 | $203,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 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 | 127 | $46,849,000 | $368,000 | $1,260,000 | $87,000 | $477,000 |
| Collateral | 78 | $30,443,000 | $390,000 | $1,500,000 | $158,000 | $366,000 |
| Credit History | 55 | $18,943,000 | $344,000 | $1,005,000 | $156,000 | $1,035,000 |
| Other | 48 | $14,832,000 | $309,000 | $900,000 | $138,000 | $504,000 |
| Employment History | 14 | $4,281,000 | $305,000 | $615,000 | $78,000 | $150,000 |
| Unverifiable Information | 8 | $1,603,000 | $200,000 | $405,000 | $100,000 | $197,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 7 | $2,215,000 | $316,000 | $581,000 | $88,000 | $123,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Star One Credit Union's 2011 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.
For a list of all lenders in California, download the full spreadsheet
with aggregated HMDA statistics today.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About