Star One Credit Union Mortgage Lending & HMDA Data, 2017
In 2017, Star One Credit Union of Sunnyvale, CA reported 2,256 mortgage applications totaling $992.1 million, down 21% from 2016. The average application was for $439,769, and applicants reported an average income of $180,117. 55% of its applications resulted in an originated loan and 10% were denied. Its largest markets were San Jose-Sunnyvale-Santa Clara, CA (808), Oakland-Hayward-Berkeley, CA (182) and San Francisco-Redwood City-South San Francisco, CA (78) (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 | 2,256 |
| Total Mortgage Loan Application Amount | $992,121,000 |
| Average Mortgage Loan Application Amount | $439,769 |
| Highest Mortgage Loan Application Amount | $2,700,000 |
| Average Applicant Income | $180,117 |
| Highest Applicant Income | $2,379,000 |
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(HMDA) records Star One Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 808 | $ 371,039,000 | $ 459,206 | $ 185,000 |
| Oakland-Hayward-Berkeley, CA | 182 | $ 81,998,000 | $ 450,538 | $ 188,000 |
| San Francisco-Redwood City-South San Francisco, CA | 78 | $ 42,497,000 | $ 544,833 | $ 231,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 71 | $ 20,176,000 | $ 284,169 | $ 130,000 |
| Santa Cruz-Watsonville, CA | 57 | $ 27,589,000 | $ 484,017 | $ 194,000 |
| Denver-Aurora-Lakewood, CO | 41 | $ 14,310,000 | $ 349,024 | $ 162,000 |
| Stockton-Lodi, CA | 38 | $ 7,734,000 | $ 203,526 | $ 148,000 |
| Los Angeles-Long Beach-Glendale, CA | 22 | $ 9,716,000 | $ 441,636 | $ 174,000 |
| San Diego-Carlsbad, CA | 21 | $ 7,299,000 | $ 347,571 | $ 153,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 17 | $ 5,744,000 | $ 337,882 | $ 236,176 |
| Modesto, CA | 14 | $ 2,368,000 | $ 169,142 | $ 130,000 |
| Austin-Round Rock, TX | 13 | $ 4,246,000 | $ 326,615 | $ 220,000 |
| Reno, NV | 13 | $ 4,498,000 | $ 346,000 | $ 143,000 |
| Salinas, CA | 11 | $ 4,408,000 | $ 400,727 | $ 193,000 |
| Santa Rosa, CA | 11 | $ 4,699,000 | $ 427,181 | $ 179,000 |
| Las Vegas-Henderson-Paradise, NV | 10 | $ 1,785,000 | $ 178,500 | $ 158,000 |
| Riverside-San Bernardino-Ontario, CA | 10 | $ 2,313,000 | $ 231,300 | $ 195,000 |
| Phoenix-Mesa-Scottsdale, AZ | 9 | $ 1,505,000 | $ 167,222 | $ 132,000 |
| Anaheim-Santa Ana-Irvine, CA | 8 | $ 3,484,000 | $ 435,500 | $ 300,000 |
| Merced, CA | 8 | $ 1,754,000 | $ 219,250 | $ 104,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 8 | $ 2,080,000 | $ 260,000 | $ 173,000 |
| Colorado Springs, CO | 7 | $ 1,961,000 | $ 280,142 | $ 137,000 |
| Palm Bay-Melbourne-Titusville, FL | 7 | $ 1,923,000 | $ 274,714 | $ 177,000 |
| Seattle-Bellevue-Everett, WA | 7 | $ 2,799,000 | $ 399,857 | $ 122,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 7 | $ 2,541,000 | $ 363,000 | $ 128,857 |
| Chico, CA | 6 | $ 1,799,000 | $ 299,833 | $ 198,000 |
| Fresno, CA | 5 | $ 1,586,000 | $ 317,200 | $ 166,000 |
| Napa, CA | 5 | $ 1,290,000 | $ 258,000 | $ 138,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 5 | $ 1,256,000 | $ 251,200 | $ 159,000 |
| Santa Maria-Santa Barbara, CA | 5 | $ 868,000 | $ 173,600 | $ 121,000 |
| Atlanta-Sandy Springs-Roswell, GA | 4 | $ 1,189,000 | $ 297,250 | $ 135,000 |
| Boise City, ID | 4 | $ 823,000 | $ 205,750 | $ 57,000 |
| Oklahoma City, OK | 4 | $ 460,000 | $ 115,000 | $ 796,000 |
| Tacoma-Lakewood, WA | 4 | $ 944,000 | $ 236,000 | $ 166,000 |
| Vallejo-Fairfield, CA | 4 | $ 1,080,000 | $ 270,000 | $ 89,000 |
| Albuquerque, NM | 3 | $ 670,000 | $ 223,333 | $ 205,000 |
| Boulder, CO | 3 | $ 1,036,000 | $ 345,333 | $ 129,000 |
| Chicago-Naperville-Arlington Heights, IL | 3 | $ 433,000 | $ 144,333 | $ 265,000 |
| Dallas-Plano-Irving, TX | 3 | $ 553,000 | $ 184,333 | $ 103,000 |
| Fort Worth-Arlington, TX | 3 | $ 448,000 | $ 149,333 | $ 127,000 |
| Kansas City, MO-KS | 3 | $ 830,000 | $ 276,666 | $ 162,000 |
| Naples-Immokalee-Marco Island, FL | 3 | $ 429,000 | $ 143,000 | $ 218,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 3 | $ 1,224,000 | $ 408,000 | $ 159,000 |
| New Orleans-Metairie, LA | 3 | $ 802,000 | $ 267,333 | $ 239,000 |
| San Antonio-New Braunfels, TX | 3 | $ 230,000 | $ 76,666 | $ 112,000 |
| San Rafael, CA | 3 | $ 1,086,000 | $ 362,000 | $ 282,000 |
| Bakersfield, CA | 2 | $ 461,000 | $ 230,500 | $ 79,000 |
| Bremerton-Silverdale, WA | 2 | $ 804,000 | $ 402,000 | $ 131,000 |
| Cambridge-Newton-Framingham, MA | 2 | $ 337,000 | $ 168,500 | $ 44,000 |
| Elkhart-Goshen, IN | 2 | $ 308,000 | $ 154,000 | $ 167,000 |
| Eugene, OR | 2 | $ 828,000 | $ 414,000 | $ 211,000 |
| Gulfport-Biloxi-Pascagoula, MS | 2 | $ 279,000 | $ 139,500 | $ 150,000 |
| Indianapolis-Carmel-Anderson, IN | 2 | $ 69,000 | $ 34,500 | $ 110,000 |
| Kahului-Wailuku-Lahaina, HI | 2 | $ 694,000 | $ 347,000 | $ 359,000 |
| Montgomery County-Bucks County-Chester County, PA | 2 | $ 225,000 | $ 112,500 | $ 194,000 |
| Salt Lake City, UT | 2 | $ 337,000 | $ 168,500 | $ 149,000 |
| Tucson, AZ | 2 | $ 452,000 | $ 226,000 | $ 143,000 |
| Warren-Troy-Farmington Hills, MI | 2 | $ 80,000 | $ 40,000 | $ 52,000 |
| Albany-Schenectady-Troy, NY | 1 | $ 158,000 | $ 158,000 | $ 91,000 |
| Asheville, NC | 1 | $ 180,000 | $ 180,000 | $ 98,000 |
| Bend-Redmond, OR | 1 | $ 190,000 | $ 190,000 | $ 110,000 |
| Blacksburg-Christiansburg-Radford, VA | 1 | $ 300,000 | $ 300,000 | $ 121,000 |
| Boston, MA | 1 | $ 1,470,000 | $ 1,470,000 | $ 600,000 |
| Bridgeport-Stamford-Norwalk, CT | 1 | $ 386,000 | $ 386,000 | $ 147,000 |
| Cape Coral-Fort Myers, FL | 1 | $ 136,000 | $ 136,000 | $ 61,000 |
| Cheyenne, WY | 1 | $ 133,000 | $ 133,000 | $ 61,000 |
| Coeur D'Alene, ID | 1 | $ 153,000 | $ 153,000 | $ 127,000 |
| College Station-Bryan, TX | 1 | $ 192,000 | $ 192,000 | $ 377,000 |
| Columbus, OH | 1 | $ 117,000 | $ 117,000 | $ 163,000 |
| Crestview-Fort Walton Beach-Destin, FL | 1 | $ 150,000 | $ 150,000 | $ 336,000 |
| Des Moines-West Des Moines, IA | 1 | $ 316,000 | $ 316,000 | $ 195,000 |
| Detroit-Dearborn-Livonia, MI | 1 | $ 49,000 | $ 49,000 | $ 44,000 |
| Durham-Chapel Hill, NC | 1 | $ 207,000 | $ 207,000 | $ 169,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 1 | $ 226,000 | $ 226,000 | $ 103,000 |
| Flagstaff, AZ | 1 | $ 210,000 | $ 210,000 | $ 96,000 |
| Fort Collins, CO | 1 | $ 350,000 | $ 350,000 | $ 120,000 |
| Houston-The Woodlands-Sugar Land, TX | 1 | $ 226,000 | $ 226,000 | $ 120,000 |
| Huntsville, AL | 1 | $ 47,000 | $ 47,000 | $ 163,000 |
| Jacksonville, FL | 1 | $ 223,000 | $ 223,000 | $ 121,000 |
| Knoxville, TN | 1 | $ 196,000 | $ 196,000 | $ 205,000 |
| Lake Havasu City-Kingman, AZ | 1 | $ 144,000 | $ 144,000 | $ 257,000 |
| Las Cruces, NM | 1 | $ 52,000 | $ 52,000 | $ 21,000 |
| Logan, UT-ID | 1 | $ 203,000 | $ 203,000 | $ 145,000 |
| Madera, CA | 1 | $ 221,000 | $ 221,000 | $ 67,000 |
| Medford, OR | 1 | $ 272,000 | $ 272,000 | $ 92,000 |
| Miami-Miami Beach-Kendall, FL | 1 | $ 1,000,000 | $ 1,000,000 | $ 209,000 |
| Milwaukee-Waukesha-West Allis, WI | 1 | $ 260,000 | $ 260,000 | $ 88,000 |
| North Port-Sarasota-Bradenton, FL | 1 | $ 345,000 | $ 345,000 | $ 59,000 |
| Omaha-Council Bluffs, NE-IA | 1 | $ 56,000 | $ 56,000 | $ 285,000 |
| Prescott, AZ | 1 | $ 580,000 | $ 580,000 | $ 96,000 |
| Provo-Orem, UT | 1 | $ 254,000 | $ 254,000 | $ 68,000 |
| Raleigh, NC | 1 | $ 513,000 | $ 513,000 | $ 152,000 |
| Rochester, NY | 1 | $ 130,000 | $ 130,000 | $ 147,000 |
| San Angelo, TX | 1 | $ 268,000 | $ 268,000 | $ 117,000 |
| Santa Fe, NM | 1 | $ 825,000 | $ 825,000 | $ 195,000 |
| Savannah, GA | 1 | $ 304,000 | $ 304,000 | $ 96,000 |
| Spokane-Spokane Valley, WA | 1 | $ 340,000 | $ 340,000 | $ 244,000 |
| Tampa-St. Petersburg-Clearwater, FL | 1 | $ 48,000 | $ 48,000 | $ 20,000 |
| Tulsa, OK | 1 | $ 293,000 | $ 293,000 | $ 313,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 1 | $ 150,000 | $ 150,000 | $ 135,000 |
| Visalia-Porterville, CA | 1 | $ 34,000 | $ 34,000 | $ 305,000 |
| Wenatchee, WA | 1 | $ 608,000 | $ 608,000 | $ 119,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 1 | $ 270,000 | $ 270,000 | $ 96,000 |
| Wilmington, NC | 1 | $ 116,000 | $ 116,000 | $ 158,000 |
| Yuba City, CA | 1 | $ 250,000 | $ 250,000 | $ 111,000 |
Mortgage Loan Application Detail Totals for Star One Credit Union in 2017
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 | 1,140 | $456,338,000 | $400,000 | $2,000,000 | $176,000 | $1,694,000 |
| Home Purchase | 965 | $484,846,000 | $502,000 | $2,700,000 | $185,000 | $2,379,000 |
| Home Improvement | 151 | $50,937,000 | $337,000 | $1,100,000 | $180,000 | $525,000 |
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 | 977 | $400,699,000 | $410,000 | $2,000,000 | $171,000 | $1,694,000 |
| Not Provided | 583 | $257,349,000 | $441,000 | $1,810,000 | $193,000 | $1,724,000 |
| Asian | 468 | $242,846,000 | $518,000 | $2,700,000 | $198,000 | $2,379,000 |
| Hispanic | 167 | $66,880,000 | $400,000 | $960,000 | $146,000 | $738,000 |
| Black or African American | 34 | $14,065,000 | $413,000 | $765,000 | $156,000 | $392,000 |
| Native Hawaiian or Other Pacific Islander | 17 | $6,734,000 | $396,000 | $934,000 | $173,000 | $288,000 |
| American Indian or Alaskan Native | 10 | $3,548,000 | $354,000 | $696,000 | $177,000 | $351,000 |
| 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) | 2,256 | $992,121,000 | $439,000 | $2,700,000 | $180,000 | $2,379,000 |
| 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 | 1,239 | $507,555,000 | $409,000 | $1,810,000 | $182,000 | $761,000 |
| Preapproval Approved but not Accepted | 442 | $247,134,000 | $559,000 | $1,800,000 | $197,000 | $1,724,000 |
| Application Denied By Financial Institution | 234 | $93,222,000 | $398,000 | $2,000,000 | $138,000 | $955,000 |
| Application Approved But Not Accepted | 143 | $54,482,000 | $380,000 | $1,655,000 | $213,000 | $2,379,000 |
| Preapproval Denied by Financial Institution | 127 | $62,111,000 | $489,000 | $2,700,000 | $123,000 | $510,000 |
| Application Withdrawn By Applicant | 41 | $16,755,000 | $408,000 | $1,280,000 | $253,000 | $1,694,000 |
| File Closed For Incompleteness | 30 | $10,862,000 | $362,000 | $1,005,000 | $190,000 | $420,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit Application Incomplete | 122 | $60,770,000 | $498,000 | $2,700,000 | $166,000 | $955,000 |
| Debt-To-Income Ratio | 88 | $32,786,000 | $372,000 | $1,000,000 | $83,000 | $233,000 |
| Other | 62 | $25,499,000 | $411,000 | $1,000,000 | $130,000 | $459,000 |
| Credit History | 24 | $8,593,000 | $358,000 | $1,104,000 | $144,000 | $290,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 19 | $8,623,000 | $453,000 | $800,000 | $103,000 | $209,000 |
| Employment History | 11 | $4,142,000 | $376,000 | $771,000 | $112,000 | $272,000 |
| Collateral | 9 | $3,825,000 | $425,000 | $989,000 | $137,000 | $234,000 |
| Unverifiable Information | 7 | $3,550,000 | $507,000 | $1,250,000 | $178,000 | $320,000 |
| Mortgage Insurance Denied | 4 | $1,687,000 | $421,000 | $542,000 | $130,000 | $169,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Star One Credit Union's 2017 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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