Star One Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2012
Star One Credit Union 2012 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 | 2,716 |
| Total Mortgage Loan Application Amount | $991,692,000 |
| Average Mortgage Loan Application Amount | $361,333 |
| Highest Mortgage Loan Application Amount | $1,659,000 |
| Average Applicant Income | $155,333 |
| Highest Applicant Income | $2,404,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2012 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 2012 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 2012.
| 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 | 1,358 | $ 512,214,000 | $ 377,000 | $ 158,000 |
| OAKLAND-FREMONT-HAYWARD, CA | 259 | $ 96,032,000 | $ 370,000 | $ 169,000 |
| SAN FRANCISCO-SAN MATEO-REDWOOD CITY, CA | 171 | $ 79,926,000 | $ 467,000 | $ 199,000 |
| SANTA CRUZ-WATSONVILLE, CA | 64 | $ 20,466,000 | $ 319,000 | $ 145,000 |
| SACRAMENTO--ARDEN-ARCADE--ROSEVILLE, CA | 52 | $ 12,161,000 | $ 233,000 | $ 148,000 |
| LOS ANGELES-LONG BEACH-GLENDALE, CA | 27 | $ 10,705,000 | $ 396,000 | $ 157,000 |
| DENVER-AURORA-BROOMFIELD, CO | 26 | $ 6,286,000 | $ 241,000 | $ 134,000 |
| SANTA ANA-ANAHEIM-IRVINE, CA | 21 | $ 7,713,000 | $ 367,000 | $ 191,000 |
| STOCKTON, CA | 18 | $ 4,211,000 | $ 233,000 | $ 132,000 |
| SAN DIEGO-CARLSBAD-SAN MARCOS, CA | 16 | $ 5,923,000 | $ 370,000 | $ 152,000 |
| AUSTIN-ROUND ROCK-SAN MARCOS, TX | 12 | $ 1,885,000 | $ 157,000 | $ 107,000 |
| SALINAS, CA | 11 | $ 3,523,000 | $ 320,000 | $ 151,000 |
| SANTA ROSA-PETALUMA, CA | 11 | $ 4,031,000 | $ 366,000 | $ 162,000 |
| WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV | 10 | $ 4,520,000 | $ 465,500 | $ 158,500 |
| SAN LUIS OBISPO-PASO ROBLES, CA | 9 | $ 2,128,000 | $ 236,000 | $ 128,000 |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA | 8 | $ 1,842,000 | $ 222,500 | $ 111,000 |
| CHICO, CA | 7 | $ 1,290,000 | $ 184,000 | $ 66,000 |
| MODESTO, CA | 7 | $ 702,000 | $ 100,000 | $ 92,000 |
| SEATTLE-BELLEVUE-EVERETT, WA | 7 | $ 2,504,000 | $ 357,000 | $ 135,000 |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA | 6 | $ 1,488,000 | $ 248,000 | $ 123,000 |
| SANTA BARBARA-SANTA MARIA-GOLETA, CA | 6 | $ 2,233,000 | $ 372,000 | $ 193,000 |
| SPOKANE, WA | 6 | $ 930,000 | $ 155,000 | $ 89,000 |
| DALLAS-PLANO-IRVING, TX | 5 | $ 1,341,000 | $ 268,000 | $ 129,000 |
| FRESNO, CA | 5 | $ 1,457,000 | $ 291,000 | $ 138,000 |
| HONOLULU, HI | 5 | $ 1,180,000 | $ 236,000 | $ 220,000 |
| LAS VEGAS-PARADISE, NV | 5 | $ 544,000 | $ 108,000 | $ 169,000 |
| PHOENIX-MESA-GLENDALE, AZ | 5 | $ 702,000 | $ 140,000 | $ 118,000 |
| RENO-SPARKS, NV | 5 | $ 874,000 | $ 174,000 | $ 101,000 |
| BREMERTON-SILVERDALE, WA | 4 | $ 1,499,000 | $ 374,000 | $ 127,000 |
| COLORADO SPRINGS, CO | 4 | $ 879,000 | $ 219,000 | $ 125,000 |
| MEDFORD, OR | 4 | $ 634,000 | $ 158,000 | $ 138,000 |
| OXNARD-THOUSAND OAKS-VENTURA, CA | 4 | $ 1,142,000 | $ 285,000 | $ 220,000 |
| PHILADELPHIA, PA | 4 | $ 965,000 | $ 241,000 | $ 160,000 |
| SALT LAKE CITY, UT | 4 | $ 960,000 | $ 240,000 | $ 89,000 |
| BOISE CITY-NAMPA, ID | 3 | $ 300,000 | $ 100,000 | $ 188,000 |
| BOULDER, CO | 3 | $ 926,000 | $ 308,000 | $ 101,000 |
| FORT WORTH-ARLINGTON, TX | 3 | $ 876,000 | $ 292,000 | $ 149,000 |
| LAS CRUCES, NM | 3 | $ 408,000 | $ 136,000 | $ 151,000 |
| OKLAHOMA CITY, OK | 3 | $ 305,000 | $ 101,000 | $ 217,000 |
| BALTIMORE-TOWSON, MD | 2 | $ 611,000 | $ 305,000 | $ 160,000 |
| BETHESDA-ROCKVILLE-FREDERICK, MD | 2 | $ 262,000 | $ 131,000 | $ 104,000 |
| CHICAGO-JOLIET-NAPERVILLE, IL | 2 | $ 344,000 | $ 172,000 | $ 112,000 |
| FORT COLLINS-LOVELAND, CO | 2 | $ 492,000 | $ 246,000 | $ 184,000 |
| HOUSTON-SUGAR LAND-BAYTOWN, TX | 2 | $ 476,000 | $ 238,000 | $ 107,000 |
| NAPA, CA | 2 | $ 294,000 | $ 147,000 | $ 56,000 |
| PALM BAY-MELBOURNE-TITUSVILLE, FL | 2 | $ 328,000 | $ 164,000 | $ 168,000 |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL | 2 | $ 334,000 | $ 167,000 | $ 132,000 |
| VALLEJO-FAIRFIELD, CA | 2 | $ 298,000 | $ 149,000 | $ 92,000 |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC | 2 | $ 520,000 | $ 260,000 | $ 97,000 |
| ALBUQUERQUE, NM | 1 | $ 194,000 | $ 194,000 | $ 244,000 |
| ATLANTA-SANDY SPRINGS-MARIETTA, GA | 1 | $ 417,000 | $ 417,000 | $ 133,000 |
| BAKERSFIELD-DELANO, CA | 1 | $ 204,000 | $ 204,000 | $ 80,000 |
| CAMBRIDGE-NEWTON-FRAMINGHAM, MA | 1 | $ 465,000 | $ 465,000 | $ 271,000 |
| CAMDEN, NJ | 1 | $ 195,000 | $ 195,000 | $ 141,000 |
| CARSON CITY, NV | 1 | $ 123,000 | $ 123,000 | $ 71,000 |
| CHARLESTON, WV | 1 | $ 34,000 | $ 34,000 | $ 37,000 |
| CHATTANOOGA, TN-GA | 1 | $ 98,000 | $ 98,000 | $ 56,000 |
| COEUR D'ALENE, ID | 1 | $ 272,000 | $ 272,000 | $ 93,000 |
| DAYTON, OH | 1 | $ 250,000 | $ 250,000 | $ 93,000 |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL | 1 | $ 117,000 | $ 117,000 | $ 86,000 |
| DES MOINES-WEST DES MOINES, IA | 1 | $ 117,000 | $ 117,000 | $ 42,000 |
| GRAND RAPIDS-WYOMING, MI | 1 | $ 144,000 | $ 144,000 | $ 121,000 |
| HANFORD-CORCORAN, CA | 1 | $ 320,000 | $ 320,000 | $ 125,000 |
| HUNTSVILLE, AL | 1 | $ 220,000 | $ 220,000 | $ 49,000 |
| KNOXVILLE, TN | 1 | $ 695,000 | $ 695,000 | $ 167,000 |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR | 1 | $ 182,000 | $ 182,000 | $ 114,000 |
| LOGAN, UT-ID | 1 | $ 155,000 | $ 155,000 | $ 91,000 |
| MADERA-CHOWCHILLA, CA | 1 | $ 132,000 | $ 132,000 | $ 68,000 |
| MERCED, CA | 1 | $ 162,000 | $ 162,000 | $ 85,000 |
| NEW YORK-WHITE PLAINS-WAYNE, NY-NJ | 1 | $ 244,000 | $ 244,000 | $ 121,000 |
| NEWARK-UNION, NJ-PA | 1 | $ 390,000 | $ 390,000 | $ 153,000 |
| OGDEN-CLEARFIELD, UT | 1 | $ 145,000 | $ 145,000 | $ 89,000 |
| ORLANDO-KISSIMMEE-SANFORD, FL | 1 | $ 150,000 | $ 150,000 | $ 133,000 |
| PITTSBURGH, PA | 1 | $ 46,000 | $ 46,000 | $ 51,000 |
| REDDING, CA | 1 | $ 169,000 | $ 169,000 | $ 39,000 |
| SAN ANTONIO-NEW BRAUNFELS, TX | 1 | $ 118,000 | $ 118,000 | $ 62,000 |
| TACOMA, WA | 1 | $ 245,000 | $ 245,000 | $ 182,000 |
| TUCSON, AZ | 1 | $ 204,000 | $ 204,000 | $ 91,000 |
| TYLER, TX | 1 | $ 78,000 | $ 78,000 | $ 36,000 |
| WARREN-TROY-FARMINGTON HILLS, MI | 1 | $ 69,000 | $ 69,000 | $ 464,000 |
| WEST PALM BEACH-BOCA RATON-BOYNTON BEACH, FL | 1 | $ 360,000 | $ 360,000 | $ 175,000 |
| WINSTON-SALEM, NC | 1 | $ 90,000 | $ 90,000 | $ 89,000 |
Mortgage Loan Application Detail Totals for Star One Credit Union in 2012
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 | 1,882 | $672,281,000 | $357,000 | $1,659,000 | $160,000 | $1,127,000 |
| Home Purchase | 767 | $296,530,000 | $386,000 | $1,225,000 | $152,000 | $2,404,000 |
| Home Improvement | 67 | $22,881,000 | $341,000 | $1,000,000 | $154,000 | $650,000 |
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 | 1,235 | $427,208,000 | $345,000 | $1,659,000 | $153,000 | $1,023,000 |
| Not Provided | 811 | $299,141,000 | $368,000 | $1,400,000 | $160,000 | $659,000 |
| Asian | 510 | $215,942,000 | $423,000 | $1,033,000 | $173,000 | $2,404,000 |
| Hispanic | 113 | $35,506,000 | $314,000 | $1,000,000 | $130,000 | $343,000 |
| Black or African American | 25 | $6,857,000 | $274,000 | $528,000 | $127,000 | $264,000 |
| Native Hawaiian or Other Pacific Islander | 12 | $4,011,000 | $334,000 | $613,000 | $137,000 | $206,000 |
| American Indian or Alaskan Native | 10 | $3,027,000 | $302,000 | $800,000 | $182,000 | $366,000 |
| 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) | 2,716 | $991,692,000 | $365,000 | $1,659,000 | $158,000 | $2,404,000 |
| 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 | 1,430 | $501,988,000 | $351,000 | $1,400,000 | $160,000 | $1,127,000 |
| Application Denied By Financial Institution | 486 | $173,770,000 | $357,000 | $1,659,000 | $144,000 | $1,023,000 |
| Preapproval Approved but not Accepted | 292 | $120,385,000 | $412,000 | $1,225,000 | $168,000 | $2,404,000 |
| Application Approved But Not Accepted | 266 | $103,313,000 | $388,000 | $1,033,000 | $173,000 | $659,000 |
| Preapproval Denied by Financial Institution | 149 | $55,107,000 | $369,000 | $1,000,000 | $118,000 | $758,000 |
| File Closed For Incompleteness | 73 | $30,278,000 | $414,000 | $1,000,000 | $171,000 | $638,000 |
| Application Withdrawn By Applicant | 20 | $6,851,000 | $342,000 | $844,000 | $155,000 | $260,000 |
| 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 | 204 | $73,074,000 | $358,000 | $1,174,000 | $91,000 | $301,000 |
| Credit Application Incomplete | 126 | $49,304,000 | $391,000 | $1,659,000 | $175,000 | $775,000 |
| Collateral | 86 | $33,741,000 | $392,000 | $1,000,000 | $178,000 | $600,000 |
| Credit History | 76 | $25,274,000 | $332,000 | $900,000 | $157,000 | $758,000 |
| Other | 74 | $24,080,000 | $325,000 | $990,000 | $167,000 | $1,023,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 31 | $9,569,000 | $308,000 | $650,000 | $106,000 | $432,000 |
| Employment History | 20 | $6,081,000 | $304,000 | $800,000 | $79,000 | $168,000 |
| Unverifiable Information | 5 | $1,617,000 | $323,000 | $550,000 | $130,000 | $169,000 |
| Mortgage Insurance Denied | 1 | $730,000 | $730,000 | $730,000 | $377,000 | $377,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Star One Credit Union's 2012 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.