Star One Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2020

Star One Credit Union 2020 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 5,112
Total Mortgage Loan Application Amount $2,551,780,000
Average Mortgage Loan Application Amount $491,600
Highest Mortgage Loan Application Amount $2,805,000
Average Applicant Income $208,400
Highest Applicant Income $3,022,000

Explore comprehensive HMDA mortgage statistics and lending trends for 2020 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 2020 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 2020.

Mortgage Loan Application Totals for Star One Credit Union by Metropolitan Area in 2020

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 2,139 $ 1,075,875,000 $ 502,000 $ 215,000
OAKLAND-HAYWARD-BERKELEY, CA 661 $ 357,675,000 $ 541,000 $ 217,000
SAN FRANCISCO-REDWOOD CITY-SOUTH SAN FRANCISCO, CA 299 $ 204,495,000 $ 683,000 $ 291,000
SACRAMENTO--ROSEVILLE--ARDEN-ARCADE, CA 149 $ 42,795,000 $ 287,000 $ 163,000
SANTA CRUZ-WATSONVILLE, CA 141 $ 63,055,000 $ 447,000 $ 210,000
STOCKTON-LODI, CA 86 $ 29,250,000 $ 340,000 $ 161,000
NA (OUTSIDE OF MSA/MD) 71 $ 21,325,000 $ 333,000 $ 152,300
SAN DIEGO-CARLSBAD, CA 60 $ 27,340,000 $ 455,000 $ 198,000
LOS ANGELES-LONG BEACH-GLENDALE, CA 49 $ 23,865,000 $ 487,000 $ 253,000
DENVER-AURORA-LAKEWOOD, CO 39 $ 16,215,000 $ 415,000 $ 210,000
PHOENIX-MESA-SCOTTSDALE, AZ 39 $ 9,385,000 $ 240,000 $ 144,000
ANAHEIM-SANTA ANA-IRVINE, CA 36 $ 17,540,000 $ 487,000 $ 201,000
SALINAS, CA 35 $ 15,235,000 $ 435,000 $ 166,000
FRESNO, CA 29 $ 5,955,000 $ 205,000 $ 134,000
SANTA ROSA, CA 28 $ 11,400,000 $ 407,000 $ 165,000
MODESTO, CA 26 $ 5,730,000 $ 220,000 $ 135,000
RENO, NV 26 $ 9,320,000 $ 358,000 $ 177,000
SAN LUIS OBISPO-PASO ROBLES-ARROYO GRANDE, CA 26 $ 9,560,000 $ 367,000 $ 139,000
PORTLAND-VANCOUVER-HILLSBORO, OR-WA 21 $ 9,275,000 $ 441,000 $ 178,500
SEATTLE-BELLEVUE-EVERETT, WA 21 $ 8,455,000 $ 402,000 $ 203,000
AUSTIN-ROUND ROCK, TX 20 $ 4,790,000 $ 239,000 $ 167,000
LAS VEGAS-HENDERSON-PARADISE, NV 20 $ 5,440,000 $ 272,000 $ 163,000
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA 16 $ 5,320,000 $ 332,000 $ 156,000
DALLAS-PLANO-IRVING, TX 15 $ 3,625,000 $ 241,000 $ 252,000
MERCED, CA 15 $ 3,615,000 $ 241,000 $ 117,000
VALLEJO-FAIRFIELD, CA 14 $ 4,980,000 $ 355,000 $ 243,000
OXNARD-THOUSAND OAKS-VENTURA, CA 13 $ 5,075,000 $ 390,000 $ 111,000
SANTA MARIA-SANTA BARBARA, CA 13 $ 3,995,000 $ 307,000 $ 141,000
WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV 13 $ 6,375,000 $ 490,000 $ 200,000
CHICO, CA 11 $ 2,685,000 $ 244,000 $ 94,000
SAN RAFAEL, CA 10 $ 7,100,000 $ 710,000 $ 259,000
HOUSTON-THE WOODLANDS-SUGAR LAND, TX 9 $ 2,385,000 $ 265,000 $ 168,000
BOISE CITY, ID 8 $ 2,570,000 $ 321,000 $ 138,000
ORLANDO-KISSIMMEE-SANFORD, FL 8 $ 1,460,000 $ 182,000 $ 157,000
TAMPA-ST. PETERSBURG-CLEARWATER, FL 8 $ 1,640,000 $ 205,000 $ 140,000
TUCSON, AZ 8 $ 2,030,000 $ 253,000 $ 178,000
ATLANTA-SANDY SPRINGS-ROSWELL, GA 7 $ 2,215,000 $ 316,000 $ 184,000
BEND-REDMOND, OR 7 $ 3,445,000 $ 492,000 $ 239,000
BOULDER, CO 7 $ 2,235,000 $ 319,000 $ 216,000
NAPA, CA 7 $ 3,355,000 $ 479,000 $ 118,000
PALM BAY-MELBOURNE-TITUSVILLE, FL 7 $ 1,855,000 $ 265,000 $ 142,000
REDDING, CA 7 $ 1,325,000 $ 189,000 $ 107,000
MADERA, CA 6 $ 970,000 $ 161,000 $ 108,000
CHARLOTTE-CONCORD-GASTONIA, NC-SC 5 $ 1,565,000 $ 313,000 $ 322,000
JACKSONVILLE, FL 5 $ 995,000 $ 199,000 $ 138,000
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI 5 $ 1,315,000 $ 316,000 $ 133,000
RALEIGH, NC 5 $ 705,000 $ 141,000 $ 235,000
BAKERSFIELD, CA 4 $ 1,320,000 $ 330,000 $ 122,000
FORT COLLINS, CO 4 $ 1,190,000 $ 297,000 $ 152,000
FORT WORTH-ARLINGTON, TX 4 $ 710,000 $ 177,000 $ 220,000
HUNTSVILLE, AL 4 $ 810,000 $ 202,000 $ 227,000
PRESCOTT VALLEY-PRESCOTT, AZ 4 $ 1,640,000 $ 410,000 $ 216,000
VISALIA-PORTERVILLE, CA 4 $ 900,000 $ 225,000 $ 125,000
WARREN-TROY-FARMINGTON HILLS, MI 4 $ 2,110,000 $ 527,000 $ 231,000
WASHINGTON-BALTIMORE-ARLINGTON, DC 4 $ 1,730,000 $ 432,000 $ 181,000
WICHITA, KS 4 $ 330,000 $ 82,000 $ 107,000
ALBUQUERQUE, NM 3 $ 625,000 $ 208,000 $ 188,000
BALTIMORE-COLUMBIA-TOWSON, MD 3 $ 525,000 $ 175,000 $ 81,000
CHICAGO-NAPERVILLE, IL 3 $ 465,000 $ 155,000 $ 244,000
COLORADO SPRINGS, CO 3 $ 575,000 $ 191,000 $ 77,000
KANSAS CITY, MO-KS 3 $ 1,145,000 $ 381,000 $ 187,000
MEDFORD, OR 3 $ 705,000 $ 235,000 $ 113,000
MONTGOMERY COUNTY-BUCKS COUNTY-CHESTER COUNTY, PA 3 $ 1,025,000 $ 341,000 $ 176,000
NEW YORK-JERSEY CITY-WHITE PLAINS, NY-NJ 3 $ 1,595,000 $ 531,000 $ 275,000
OKLAHOMA CITY, OK 3 $ 505,000 $ 168,000 $ 181,000
PROVO-OREM, UT 3 $ 345,000 $ 115,000 $ 131,000
SAN ANTONIO-NEW BRAUNFELS, TX 3 $ 975,000 $ 325,000 $ 159,000
TRENTON, NJ 3 $ 725,000 $ 241,000 $ 204,000
BOSTON, MA 2 $ 280,000 $ 140,000 $ 53,000
BREMERTON-SILVERDALE, WA 2 $ 590,000 $ 295,000 $ 184,000
CAMBRIDGE-NEWTON-FRAMINGHAM, MA 2 $ 1,250,000 $ 625,000 $ 174,000
CINCINNATI, OH-KY-IN 2 $ 200,000 $ 100,000 $ 223,000
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL 2 $ 210,000 $ 105,000 $ 196,000
DURHAM-CHAPEL HILL, NC 2 $ 500,000 $ 250,000 $ 322,000
KAHULUI-WAILUKU-LAHAINA, HI 2 $ 1,070,000 $ 535,000 $ 474,000
KNOXVILLE, TN 2 $ 660,000 $ 330,000 $ 203,000
LAKELAND-WINTER HAVEN, FL 2 $ 450,000 $ 225,000 $ 136,000
LAS CRUCES, NM 2 $ 300,000 $ 150,000 $ 101,000
MIAMI-MIAMI BEACH-KENDALL, FL 2 $ 710,000 $ 355,000 $ 120,000
NEW ORLEANS-METAIRIE, LA 2 $ 210,000 $ 105,000 $ 84,000
NEW YORK-NEWARK, NY 2 $ 370,000 $ 185,000 $ 85,000
NORTH PORT-SARASOTA-BRADENTON, FL 2 $ 250,000 $ 125,000 $ 143,000
OCALA, FL 2 $ 440,000 $ 220,000 $ 101,000
SALT LAKE CITY, UT 2 $ 400,000 $ 200,000 $ 175,000
URBAN HONOLULU, HI 2 $ 420,000 $ 210,000 $ 1,212,000
WENATCHEE, WA 2 $ 760,000 $ 380,000 $ 166,000
YUBA CITY, CA 2 $ 450,000 $ 225,000 $ 71,000
ALBANY, OR 1 $ 215,000 $ 215,000 $ 355,000
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ 1 $ 235,000 $ 235,000 $ 117,000
ANCHORAGE, AK 1 $ 435,000 $ 435,000 $ 127,000
BIRMINGHAM-HOOVER, AL 1 $ 85,000 $ 85,000 $ 193,000
BRIDGEPORT-STAMFORD-NORWALK, CT 1 $ 385,000 $ 385,000 $ 175,000
CARSON CITY, NV 1 $ 255,000 $ 255,000 $ 95,000
CLARKSVILLE, TN-KY 1 $ 105,000 $ 105,000 $ 77,000
COEUR D'ALENE, ID 1 $ 235,000 $ 235,000 $ 157,000
COLLEGE STATION-BRYAN, TX 1 $ 175,000 $ 175,000 $ 303,000
COLUMBUS, GA-AL 1 $ 125,000 $ 125,000 $ 626,000
DECATUR, AL 1 $ 315,000 $ 315,000 $ 127,000
EL CENTRO, CA 1 $ 375,000 $ 375,000 $ 142,000
ELGIN, IL 1 $ 245,000 $ 245,000 $ 202,000
FAYETTEVILLE-SPRINGDALE-ROGERS, AR-MO 1 $ 195,000 $ 195,000 $ 241,000
FLAGSTAFF, AZ 1 $ 295,000 $ 295,000 $ 0
FORT LAUDERDALE-POMPANO BEACH-DEERFIELD BEACH, FL 1 $ 705,000 $ 705,000 $ 0
GRAND JUNCTION, CO 1 $ 405,000 $ 405,000 $ 79,000
GREELEY, CO 1 $ 135,000 $ 135,000 $ 124,000
HOT SPRINGS, AR 1 $ 85,000 $ 85,000 $ 96,000
INDIANAPOLIS-CARMEL-ANDERSON, IN 1 $ 335,000 $ 335,000 $ 255,000
JOPLIN, MO 1 $ 75,000 $ 75,000 $ 31,000
LAKE HAVASU CITY-KINGMAN, AZ 1 $ 425,000 $ 425,000 $ 91,000
LOGAN, UT-ID 1 $ 145,000 $ 145,000 $ 117,000
LONGVIEW, TX 1 $ 175,000 $ 175,000 $ 111,000
LOUISVILLE/JEFFERSON COUNTY, KY-IN 1 $ 195,000 $ 195,000 $ 66,000
MANHATTAN, KS 1 $ 285,000 $ 285,000 $ 88,000
MILWAUKEE-WAUKESHA-WEST ALLIS, WI 1 $ 195,000 $ 195,000 $ 56,000
MONTGOMERY, AL 1 $ 65,000 $ 65,000 $ 210,000
NAPLES-IMMOKALEE-MARCO ISLAND, FL 1 $ 345,000 $ 345,000 $ 162,000
NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN 1 $ 285,000 $ 285,000 $ 325,000
OMAHA-COUNCIL BLUFFS, NE-IA 1 $ 155,000 $ 155,000 $ 110,000
PHILADELPHIA, PA 1 $ 205,000 $ 205,000 $ 96,000
POCATELLO, ID 1 $ 275,000 $ 275,000 $ 8,000
PORT ST. LUCIE, FL 1 $ 135,000 $ 135,000 $ 228,000
RICHMOND, VA 1 $ 235,000 $ 235,000 $ 60,000
SALISBURY, MD-DE 1 $ 245,000 $ 245,000 $ 246,000
SANTA FE, NM 1 $ 1,205,000 $ 1,205,000 $ 195,000
SPOKANE-SPOKANE VALLEY, WA 1 $ 405,000 $ 405,000 $ 313,000
ST. CLOUD, MN 1 $ 505,000 $ 505,000 $ 246,000
SYRACUSE, NY 1 $ 175,000 $ 175,000 $ 205,000
TALLAHASSEE, FL 1 $ 145,000 $ 145,000 $ 60,000
TULSA, OK 1 $ 105,000 $ 105,000 $ 90,000
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC 1 $ 185,000 $ 185,000 $ 0
WILMINGTON, NC 1 $ 85,000 $ 85,000 $ 48,000
YUMA, AZ 1 $ 275,000 $ 275,000 $ 133,000

Mortgage Loan Application Detail Totals for Star One Credit Union in 2020

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
Other Purpose 1,563 $685,525,000 $438,000 $2,455,000 $203,000 $1,812,000
Home Purchase 1,260 $764,730,000 $606,000 $2,805,000 $206,000 $1,857,000
Refinancing 817 $409,205,000 $500,000 $2,505,000 $230,000 $2,295,000
Cash-out Refinancing 794 $492,940,000 $620,000 $2,105,000 $213,000 $3,022,000
Home Improvement 678 $199,380,000 $294,000 $2,005,000 $190,000 $1,120,000
Not Applicable 0 $0 $0 $0 $0 $0

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 2,110 $1,014,360,000 $480,000 $2,805,000 $199,000 $3,022,000
Asian 1,095 $610,905,000 $557,000 $2,805,000 $226,000 $1,857,000
Not Provided 1,076 $517,920,000 $481,000 $2,605,000 $213,000 $2,294,000
Hispanic 372 $166,670,000 $448,000 $1,805,000 $173,000 $682,000
Black or African American 80 $37,720,000 $471,000 $1,225,000 $181,000 $800,000
American Indian or Alaskan Native 16 $7,120,000 $445,000 $1,005,000 $129,000 $240,000
Native Hawaiian or Other Pacific Islander 6 $2,000,000 $333,000 $705,000 $189,000 $358,000
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) 5,112 $2,551,780,000 $499,000 $2,805,000 $208,000 $3,022,000
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 2,880 $1,357,540,000 $471,000 $2,455,000 $211,000 $2,295,000
Application Approved But Not Accepted 713 $345,505,000 $484,000 $2,135,000 $223,000 $1,183,000
Application Denied By Financial Institution 589 $280,765,000 $476,000 $2,505,000 $187,000 $3,022,000
Preapproval Approved but not Accepted 561 $365,015,000 $650,000 $2,805,000 $213,000 $1,857,000
File Closed For Incompleteness 219 $108,355,000 $494,000 $2,105,000 $198,000 $1,120,000
Preapproval Denied by Financial Institution 117 $78,635,000 $672,000 $2,605,000 $161,000 $980,000
Application Withdrawn By Applicant 33 $15,965,000 $483,000 $1,605,000 $119,000 $584,000
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
Not applicable 4,406 $2,192,380,000 $497,000 $2,805,000 $212,000 $2,295,000
Debt-To-Income Ratio 272 $141,230,000 $519,000 $2,605,000 $111,000 $578,000
Credit Application Incomplete 172 $87,040,000 $506,000 $1,755,000 $212,000 $1,020,000
Unverifiable Information 86 $44,610,000 $518,000 $2,505,000 $285,000 $3,022,000
Credit History 70 $34,170,000 $488,000 $2,525,000 $184,000 $980,000
Other 62 $24,980,000 $402,000 $1,475,000 $236,000 $1,118,000
Collateral 26 $12,840,000 $493,000 $2,325,000 $262,000 $453,000
Insufficient Cash (Downpayment, Closing Cost) 14 $10,980,000 $784,000 $1,465,000 $203,000 $361,000
Mortgage Insurance Denied 2 $2,430,000 $1,215,000 $1,285,000 $293,000 $342,000
Employment History 2 $1,120,000 $560,000 $755,000 $215,000 $350,000

Our comprehensive HMDA mortgage statistics provide invaluable insights into Star One Credit Union's 2020 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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