Star Usa Federal Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2018
Star Usa Federal Credit Union 2018 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 Usa Federal Credit Union One Cantley Drive Charleston, WV 25314 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 267 |
| Total Mortgage Loan Application Amount | $18,685,000 |
| Average Mortgage Loan Application Amount | $124,500 |
| Highest Mortgage Loan Application Amount | $655,000 |
| Average Applicant Income | $83,250 |
| Highest Applicant Income | $464,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2018 with Star Usa Federal 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 Usa Federal Credit Union's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2018 breaks down Star Usa Federal 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 Usa Federal Credit Union serves its applicants.
Each category highlights the total number of mortgage applications processed by Star Usa Federal 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 Usa Federal Credit Union's mortgage activity for 2018.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Lancaster County Pennsylvania | 12 | $ 660,000 | $ 55,000 | $ 58,000 |
| Kanawha County West Virginia | 9 | $ 1,995,000 | $ 221,000 | $ 168,000 |
| Oakland County Michigan | 6 | $ 270,000 | $ 45,000 | $ 71,000 |
| Berks County Pennsylvania | 5 | $ 575,000 | $ 115,000 | $ 74,000 |
| York County Pennsylvania | 5 | $ 275,000 | $ 55,000 | $ 72,000 |
| Putnam County West Virginia | 5 | $ 455,000 | $ 91,000 | $ 66,000 |
| Kent County Michigan | 4 | $ 210,000 | $ 52,000 | $ 64,000 |
| Bucks County Pennsylvania | 4 | $ 370,000 | $ 92,000 | $ 67,000 |
| Butler County Pennsylvania | 4 | $ 230,000 | $ 57,000 | $ 70,000 |
| Dauphin County Pennsylvania | 4 | $ 190,000 | $ 47,000 | $ 45,000 |
| Raleigh County West Virginia | 4 | $ 560,000 | $ 140,000 | $ 102,000 |
| Wayne County West Virginia | 4 | $ 470,000 | $ 117,000 | $ 81,000 |
| Montrose County Colorado | 3 | $ 295,000 | $ 98,000 | $ 64,000 |
| Anne Arundel County Maryland | 3 | $ 185,000 | $ 61,000 | $ 107,000 |
| Eaton County Michigan | 3 | $ 85,000 | $ 28,000 | $ 36,000 |
| Washtenaw County Michigan | 3 | $ 145,000 | $ 48,000 | $ 58,000 |
| Wright County Minnesota | 3 | $ 135,000 | $ 45,000 | $ 73,000 |
| Flathead County Montana | 3 | $ 215,000 | $ 71,000 | $ 50,000 |
| Adams County Pennsylvania | 3 | $ 205,000 | $ 68,000 | $ 47,000 |
| Cumberland County Pennsylvania | 3 | $ 125,000 | $ 41,000 | $ 53,000 |
| Lehigh County Pennsylvania | 3 | $ 225,000 | $ 75,000 | $ 43,000 |
| Westmoreland County Pennsylvania | 3 | $ 95,000 | $ 31,000 | $ 42,000 |
| Augusta County Virginia | 3 | $ 125,000 | $ 41,000 | $ 32,000 |
| Jackson County West Virginia | 3 | $ 325,000 | $ 108,000 | $ 71,000 |
| El Paso County Colorado | 2 | $ 110,000 | $ 55,000 | $ 34,000 |
| Larimer County Colorado | 2 | $ 130,000 | $ 65,000 | $ 59,000 |
| Sussex County Delaware | 2 | $ 80,000 | $ 40,000 | $ 90,000 |
| Pinellas County Florida | 2 | $ 220,000 | $ 110,000 | $ 71,000 |
| Gwinnett County Georgia | 2 | $ 70,000 | $ 35,000 | $ 59,000 |
| Ada County Idaho | 2 | $ 230,000 | $ 115,000 | $ 88,000 |
| Kootenai County Idaho | 2 | $ 70,000 | $ 35,000 | $ 40,000 |
| Elkhart County Indiana | 2 | $ 90,000 | $ 45,000 | $ 42,000 |
| Pottawattamie County Iowa | 2 | $ 90,000 | $ 45,000 | $ 73,000 |
| Baltimore County Maryland | 2 | $ 100,000 | $ 50,000 | $ 70,000 |
| Howard County Maryland | 2 | $ 110,000 | $ 55,000 | $ 99,000 |
| Washington County Maryland | 2 | $ 100,000 | $ 50,000 | $ 49,000 |
| Genesee County Michigan | 2 | $ 100,000 | $ 50,000 | $ 73,000 |
| Macomb County Michigan | 2 | $ 80,000 | $ 40,000 | $ 64,000 |
| Ottawa County Michigan | 2 | $ 130,000 | $ 65,000 | $ 103,000 |
| Dakota County Minnesota | 2 | $ 170,000 | $ 85,000 | $ 79,000 |
| Olmsted County Minnesota | 2 | $ 160,000 | $ 80,000 | $ 191,000 |
| Ramsey County Minnesota | 2 | $ 90,000 | $ 45,000 | $ 69,000 |
| Franklin County New York | 2 | $ 170,000 | $ 85,000 | $ 62,000 |
| Saratoga County New York | 2 | $ 140,000 | $ 70,000 | $ 128,000 |
| Butler County Ohio | 2 | $ 60,000 | $ 30,000 | $ 36,000 |
| Columbiana County Ohio | 2 | $ 140,000 | $ 70,000 | $ 59,000 |
| Lawrence County Ohio | 2 | $ 130,000 | $ 65,000 | $ 26,000 |
| Allegheny County Pennsylvania | 2 | $ 160,000 | $ 80,000 | $ 69,000 |
| Carbon County Pennsylvania | 2 | $ 90,000 | $ 45,000 | $ 75,000 |
| Chester County Pennsylvania | 2 | $ 160,000 | $ 80,000 | $ 112,000 |
| Erie County Pennsylvania | 2 | $ 130,000 | $ 65,000 | $ 74,000 |
| Mercer County Pennsylvania | 2 | $ 80,000 | $ 40,000 | $ 45,000 |
| Berkeley County West Virginia | 2 | $ 160,000 | $ 80,000 | $ 48,000 |
| Monongalia County West Virginia | 2 | $ 120,000 | $ 60,000 | $ 46,000 |
| Summers County West Virginia | 2 | $ 210,000 | $ 105,000 | $ 98,000 |
| Adams County Colorado | 1 | $ 55,000 | $ 55,000 | $ 49,000 |
| Garfield County Colorado | 1 | $ 35,000 | $ 35,000 | $ 37,000 |
| Weld County Colorado | 1 | $ 85,000 | $ 85,000 | $ 35,000 |
| Lee County Florida | 1 | $ 35,000 | $ 35,000 | $ 88,000 |
| Hall County Georgia | 1 | $ 85,000 | $ 85,000 | $ 71,000 |
| Adams County Illinois | 1 | $ 25,000 | $ 25,000 | $ 28,000 |
| Champaign County Illinois | 1 | $ 45,000 | $ 45,000 | $ 44,000 |
| McLean County Illinois | 1 | $ 45,000 | $ 45,000 | $ 103,000 |
| St. Clair County Illinois | 1 | $ 35,000 | $ 35,000 | $ 78,000 |
| Will County Illinois | 1 | $ 85,000 | $ 85,000 | $ 100,000 |
| Winnebago County Illinois | 1 | $ 35,000 | $ 35,000 | $ 61,000 |
| Hamilton County Indiana | 1 | $ 45,000 | $ 45,000 | $ 90,000 |
| Wells County Indiana | 1 | $ 35,000 | $ 35,000 | $ 149,000 |
| Delaware County Iowa | 1 | $ 55,000 | $ 55,000 | $ 33,000 |
| Jasper County Iowa | 1 | $ 75,000 | $ 75,000 | $ 60,000 |
| Mahaska County Iowa | 1 | $ 25,000 | $ 25,000 | $ 46,000 |
| Polk County Iowa | 1 | $ 45,000 | $ 45,000 | $ 55,000 |
| Story County Iowa | 1 | $ 35,000 | $ 35,000 | $ 39,000 |
| Warren County Iowa | 1 | $ 35,000 | $ 35,000 | $ 30,000 |
| Atchison County Kansas | 1 | $ 145,000 | $ 145,000 | $ 98,000 |
| Sedgwick County Kansas | 1 | $ 45,000 | $ 45,000 | $ 44,000 |
| Shawnee County Kansas | 1 | $ 135,000 | $ 135,000 | $ 111,000 |
| Boyd County Kentucky | 1 | $ 95,000 | $ 95,000 | $ 47,000 |
| Laurel County Kentucky | 1 | $ 45,000 | $ 45,000 | $ 60,000 |
| Russell County Kentucky | 1 | $ 45,000 | $ 45,000 | $ 68,000 |
| Garrett County Maryland | 1 | $ 35,000 | $ 35,000 | $ 158,000 |
| Wicomico County Maryland | 1 | $ 35,000 | $ 35,000 | $ 75,000 |
| Barry County Michigan | 1 | $ 65,000 | $ 65,000 | $ 66,000 |
| Ionia County Michigan | 1 | $ 45,000 | $ 45,000 | $ 52,000 |
| Jackson County Michigan | 1 | $ 95,000 | $ 95,000 | $ 67,000 |
| Lenawee County Michigan | 1 | $ 25,000 | $ 25,000 | $ 35,000 |
| Livingston County Michigan | 1 | $ 55,000 | $ 55,000 | $ 42,000 |
| Monroe County Michigan | 1 | $ 35,000 | $ 35,000 | $ 47,000 |
| Shiawassee County Michigan | 1 | $ 35,000 | $ 35,000 | $ 28,000 |
| St. Clair County Michigan | 1 | $ 45,000 | $ 45,000 | $ 61,000 |
| Anoka County Minnesota | 1 | $ 55,000 | $ 55,000 | $ 53,000 |
| Blue Earth County Minnesota | 1 | $ 95,000 | $ 95,000 | $ 51,000 |
| Otter Tail County Minnesota | 1 | $ 75,000 | $ 75,000 | $ 128,000 |
| Howell County Missouri | 1 | $ 95,000 | $ 95,000 | $ 83,000 |
| St. Francois County Missouri | 1 | $ 45,000 | $ 45,000 | $ 28,000 |
| Lewis and Clark County Montana | 1 | $ 185,000 | $ 185,000 | $ 80,000 |
| Yellowstone County Montana | 1 | $ 55,000 | $ 55,000 | $ 34,000 |
| Adams County Nebraska | 1 | $ 45,000 | $ 45,000 | $ 69,000 |
| Lincoln County Nebraska | 1 | $ 125,000 | $ 125,000 | $ 81,000 |
| Sarpy County Nebraska | 1 | $ 65,000 | $ 65,000 | $ 42,000 |
| Atlantic County New Jersey | 1 | $ 25,000 | $ 25,000 | $ 60,000 |
| Burlington County New Jersey | 1 | $ 25,000 | $ 25,000 | $ 53,000 |
| Gloucester County New Jersey | 1 | $ 55,000 | $ 55,000 | $ 52,000 |
| Clinton County New York | 1 | $ 85,000 | $ 85,000 | $ 62,000 |
| Columbia County New York | 1 | $ 75,000 | $ 75,000 | $ 52,000 |
| Ontario County New York | 1 | $ 45,000 | $ 45,000 | $ 26,000 |
| Rensselaer County New York | 1 | $ 95,000 | $ 95,000 | $ 25,000 |
| Steuben County New York | 1 | $ 55,000 | $ 55,000 | $ 178,000 |
| Sullivan County New York | 1 | $ 35,000 | $ 35,000 | $ 43,000 |
| Warren County New York | 1 | $ 55,000 | $ 55,000 | $ 34,000 |
| Washington County New York | 1 | $ 75,000 | $ 75,000 | $ 67,000 |
| Wayne County New York | 1 | $ 45,000 | $ 45,000 | $ 104,000 |
| Wyoming County New York | 1 | $ 15,000 | $ 15,000 | $ 24,000 |
| Clark County Ohio | 1 | $ 25,000 | $ 25,000 | $ 71,000 |
| Clinton County Ohio | 1 | $ 55,000 | $ 55,000 | $ 61,000 |
| Fulton County Ohio | 1 | $ 55,000 | $ 55,000 | $ 54,000 |
| Lucas County Ohio | 1 | $ 45,000 | $ 45,000 | $ 39,000 |
| Muskingum County Ohio | 1 | $ 55,000 | $ 55,000 | $ 65,000 |
| Richland County Ohio | 1 | $ 15,000 | $ 15,000 | $ 27,000 |
| Trumbull County Ohio | 1 | $ 25,000 | $ 25,000 | $ 40,000 |
| Wood County Ohio | 1 | $ 15,000 | $ 15,000 | $ 58,000 |
| Franklin County Pennsylvania | 1 | $ 35,000 | $ 35,000 | $ 36,000 |
| Montgomery County Pennsylvania | 1 | $ 65,000 | $ 65,000 | $ 36,000 |
| Pike County Pennsylvania | 1 | $ 75,000 | $ 75,000 | $ 49,000 |
| Schuylkill County Pennsylvania | 1 | $ 45,000 | $ 45,000 | $ 35,000 |
| Sullivan County Pennsylvania | 1 | $ 95,000 | $ 95,000 | $ 220,000 |
| Monroe County Tennessee | 1 | $ 165,000 | $ 165,000 | $ 167,000 |
| Comal County Texas | 1 | $ 85,000 | $ 85,000 | $ 60,000 |
| Travis County Texas | 1 | $ 85,000 | $ 85,000 | $ 83,000 |
| Williamson County Texas | 1 | $ 65,000 | $ 65,000 | $ 128,000 |
| Newport News County Virginia | 1 | $ 35,000 | $ 35,000 | $ 38,000 |
| Pittsylvania County Virginia | 1 | $ 85,000 | $ 85,000 | $ 63,000 |
| Barbour County West Virginia | 1 | $ 115,000 | $ 115,000 | $ 132,000 |
| Boone County West Virginia | 1 | $ 185,000 | $ 185,000 | $ 94,000 |
| Cabell County West Virginia | 1 | $ 65,000 | $ 65,000 | $ 75,000 |
| Harrison County West Virginia | 1 | $ 35,000 | $ 35,000 | $ 82,000 |
| Lewis County West Virginia | 1 | $ 75,000 | $ 75,000 | $ 50,000 |
| Marion County West Virginia | 1 | $ 55,000 | $ 55,000 | $ 54,000 |
| Mason County West Virginia | 1 | $ 205,000 | $ 205,000 | $ 55,000 |
| Mercer County West Virginia | 1 | $ 65,000 | $ 65,000 | $ 28,000 |
| Monroe County West Virginia | 1 | $ 25,000 | $ 25,000 | $ 32,000 |
Mortgage Loan Application Detail Totals for Star Usa Federal Credit Union in 2018
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 |
|---|---|---|---|---|---|---|
| Home Purchase | 249 | $15,795,000 | $63,000 | $265,000 | $65,000 | $282,000 |
| Refinancing | 13 | $2,215,000 | $170,000 | $655,000 | $143,000 | $464,000 |
| Cash-out Refinancing | 3 | $435,000 | $145,000 | $185,000 | $72,000 | $94,000 |
| Home Improvement | 2 | $240,000 | $120,000 | $135,000 | $53,000 | $82,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 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 | 243 | $17,045,000 | $70,000 | $655,000 | $69,000 | $464,000 |
| Not Provided | 11 | $835,000 | $75,000 | $145,000 | $62,000 | $100,000 |
| American Indian or Alaskan Native | 4 | $170,000 | $42,000 | $75,000 | $69,000 | $92,000 |
| Hispanic | 4 | $130,000 | $32,000 | $45,000 | $43,000 | $74,000 |
| Asian | 3 | $165,000 | $55,000 | $65,000 | $62,000 | $74,000 |
| Black or African American | 2 | $340,000 | $170,000 | $265,000 | $84,000 | $123,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 267 | $18,685,000 | $69,000 | $655,000 | $69,000 | $464,000 |
| 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 | 135 | $10,205,000 | $75,000 | $655,000 | $78,000 | $464,000 |
| Application Approved But Not Accepted | 103 | $6,885,000 | $66,000 | $235,000 | $58,000 | $220,000 |
| Application Denied By Financial Institution | 29 | $1,595,000 | $55,000 | $95,000 | $64,000 | $240,000 |
| Application Withdrawn By Applicant | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial 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 | 238 | $17,090,000 | $71,000 | $655,000 | $69,000 | $464,000 |
| Credit History | 22 | $1,190,000 | $54,000 | $85,000 | $60,000 | $149,000 |
| Debt-To-Income Ratio | 4 | $210,000 | $52,000 | $85,000 | $49,000 | $67,000 |
| Employment History | 2 | $150,000 | $75,000 | $95,000 | $57,000 | $66,000 |
| Other | 1 | $45,000 | $45,000 | $45,000 | $240,000 | $240,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Star Usa Federal Credit Union's 2018 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 Usa Federal 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 West Virginia, download the full spreadsheet
with aggregated HMDA statistics today.