Star Usa Federal Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2019

Star Usa Federal Credit Union 2019 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 350
Total Mortgage Loan Application Amount $24,320,000
Average Mortgage Loan Application Amount $119,000
Highest Mortgage Loan Application Amount $725,000
Average Applicant Income $93,666
Highest Applicant Income $511,000

Explore comprehensive HMDA mortgage statistics and lending trends for 2019 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 2019 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 2019.

Mortgage Loan Application Totals for Star Usa Federal Credit Union by County in 2019

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Kanawha County West Virginia 15 $ 1,935,000 $ 129,000 $ 118,000
Lancaster County Pennsylvania 10 $ 390,000 $ 39,000 $ 60,000
Macomb County Michigan 9 $ 365,000 $ 40,000 $ 54,000
Raleigh County West Virginia 8 $ 1,360,000 $ 170,000 $ 95,000
Wood County Ohio 7 $ 325,000 $ 46,000 $ 59,000
Monongalia County West Virginia 7 $ 1,075,000 $ 153,000 $ 78,000
Larimer County Colorado 6 $ 420,000 $ 70,000 $ 52,000
Kent County Michigan 6 $ 270,000 $ 45,000 $ 59,000
Chester County Pennsylvania 6 $ 290,000 $ 48,000 $ 58,000
Northampton County Pennsylvania 6 $ 240,000 $ 40,000 $ 52,000
York County Pennsylvania 6 $ 320,000 $ 53,000 $ 50,000
Putnam County West Virginia 6 $ 1,070,000 $ 178,000 $ 116,000
Oakland County Michigan 5 $ 225,000 $ 45,000 $ 70,000
Mesa County Colorado 4 $ 170,000 $ 42,000 $ 71,000
Kootenai County Idaho 4 $ 270,000 $ 67,000 $ 58,000
Anne Arundel County Maryland 4 $ 180,000 $ 45,000 $ 50,000
Anoka County Minnesota 4 $ 180,000 $ 45,000 $ 65,000
Wright County Minnesota 4 $ 240,000 $ 60,000 $ 67,000
Burlington County New Jersey 4 $ 210,000 $ 52,000 $ 47,000
Adams County Pennsylvania 4 $ 220,000 $ 55,000 $ 57,000
Bucks County Pennsylvania 4 $ 360,000 $ 90,000 $ 62,000
Cumberland County Pennsylvania 4 $ 240,000 $ 60,000 $ 59,000
Dauphin County Pennsylvania 4 $ 140,000 $ 35,000 $ 50,000
Wayne County West Virginia 4 $ 390,000 $ 97,000 $ 79,000
Monroe County Michigan 3 $ 115,000 $ 38,000 $ 42,000
Ottawa County Michigan 3 $ 105,000 $ 35,000 $ 55,000
Washtenaw County Michigan 3 $ 185,000 $ 61,000 $ 63,000
Wayne County Michigan 3 $ 185,000 $ 61,000 $ 55,000
Dakota County Minnesota 3 $ 175,000 $ 58,000 $ 58,000
Ocean County New Jersey 3 $ 285,000 $ 95,000 $ 120,000
Oneida County New York 3 $ 105,000 $ 35,000 $ 31,000
Ontario County New York 3 $ 155,000 $ 51,000 $ 89,000
Berks County Pennsylvania 3 $ 175,000 $ 58,000 $ 56,000
Butler County Pennsylvania 3 $ 185,000 $ 61,000 $ 42,000
Erie County Pennsylvania 3 $ 75,000 $ 25,000 $ 55,000
Lehigh County Pennsylvania 3 $ 95,000 $ 31,000 $ 36,000
Berkeley County West Virginia 3 $ 125,000 $ 41,000 $ 49,000
Gunnison County Colorado 2 $ 190,000 $ 95,000 $ 74,000
Weld County Colorado 2 $ 180,000 $ 90,000 $ 72,000
Lake County Florida 2 $ 260,000 $ 130,000 $ 111,000
Douglas County Kansas 2 $ 70,000 $ 35,000 $ 58,000
Berrien County Michigan 2 $ 90,000 $ 45,000 $ 80,000
Livingston County Michigan 2 $ 110,000 $ 55,000 $ 54,000
Muskegon County Michigan 2 $ 80,000 $ 40,000 $ 80,000
Shiawassee County Michigan 2 $ 70,000 $ 35,000 $ 38,000
Beltrami County Minnesota 2 $ 130,000 $ 65,000 $ 36,000
Ramsey County Minnesota 2 $ 90,000 $ 45,000 $ 52,000
St. Louis County Minnesota 2 $ 110,000 $ 55,000 $ 71,000
Douglas County Nebraska 2 $ 60,000 $ 30,000 $ 48,000
Atlantic County New Jersey 2 $ 230,000 $ 115,000 $ 49,000
Cumberland County New Jersey 2 $ 50,000 $ 25,000 $ 37,000
Middlesex County New Jersey 2 $ 170,000 $ 85,000 $ 53,000
Chenango County New York 2 $ 90,000 $ 45,000 $ 35,000
Dutchess County New York 2 $ 190,000 $ 95,000 $ 71,000
Jefferson County New York 2 $ 80,000 $ 40,000 $ 54,000
Onondaga County New York 2 $ 120,000 $ 60,000 $ 37,000
Carbon County Pennsylvania 2 $ 160,000 $ 80,000 $ 63,000
Lebanon County Pennsylvania 2 $ 90,000 $ 45,000 $ 73,000
Montgomery County Pennsylvania 2 $ 130,000 $ 65,000 $ 47,000
Northumberland County Pennsylvania 2 $ 150,000 $ 75,000 $ 82,000
Union County Pennsylvania 2 $ 150,000 $ 75,000 $ 61,000
Augusta County Virginia 2 $ 90,000 $ 45,000 $ 33,000
Russell County Virginia 2 $ 200,000 $ 100,000 $ 78,000
Cabell County West Virginia 2 $ 220,000 $ 110,000 $ 70,000
Wood County West Virginia 2 $ 120,000 $ 60,000 $ 81,000
Adams County Colorado 1 $ 45,000 $ 45,000 $ 44,000
Boulder County Colorado 1 $ 85,000 $ 85,000 $ 71,000
Broomfield County Colorado 1 $ 75,000 $ 75,000 $ 46,000
Garfield County Colorado 1 $ 45,000 $ 45,000 $ 100,000
Montrose County Colorado 1 $ 115,000 $ 115,000 $ 53,000
Sussex County Delaware 1 $ 55,000 $ 55,000 $ 46,000
Ada County Idaho 1 $ 45,000 $ 45,000 $ 51,000
Payette County Idaho 1 $ 145,000 $ 145,000 $ 76,000
Champaign County Illinois 1 $ 15,000 $ 15,000 $ 25,000
Allen County Indiana 1 $ 35,000 $ 35,000 $ 60,000
Henry County Indiana 1 $ 65,000 $ 65,000 $ 55,000
Madison County Indiana 1 $ 25,000 $ 25,000 $ 38,000
Vanderburgh County Indiana 1 $ 25,000 $ 25,000 $ 42,000
Butler County Kansas 1 $ 45,000 $ 45,000 $ 18,000
Cowley County Kansas 1 $ 25,000 $ 25,000 $ 19,000
Johnson County Kansas 1 $ 35,000 $ 35,000 $ 124,000
Linn County Kansas 1 $ 115,000 $ 115,000 $ 95,000
Sedgwick County Kansas 1 $ 95,000 $ 95,000 $ 124,000
Clay County Kentucky 1 $ 45,000 $ 45,000 $ 34,000
Androscoggin County Maine 1 $ 85,000 $ 85,000 $ 64,000
Baltimore County Maryland 1 $ 25,000 $ 25,000 $ 29,000
Carroll County Maryland 1 $ 65,000 $ 65,000 $ 48,000
Frederick County Maryland 1 $ 95,000 $ 95,000 $ 103,000
Prince George's County Maryland 1 $ 85,000 $ 85,000 $ 60,000
Genesee County Michigan 1 $ 25,000 $ 25,000 $ 43,000
Hillsdale County Michigan 1 $ 45,000 $ 45,000 $ 31,000
Kalamazoo County Michigan 1 $ 55,000 $ 55,000 $ 98,000
Mason County Michigan 1 $ 75,000 $ 75,000 $ 83,000
Montcalm County Michigan 1 $ 45,000 $ 45,000 $ 79,000
Sanilac County Michigan 1 $ 25,000 $ 25,000 $ 67,000
Chisago County Minnesota 1 $ 95,000 $ 95,000 $ 70,000
Hubbard County Minnesota 1 $ 15,000 $ 15,000 $ 59,000
McLeod County Minnesota 1 $ 25,000 $ 25,000 $ 74,000
Stearns County Minnesota 1 $ 105,000 $ 105,000 $ 70,000
Steele County Minnesota 1 $ 55,000 $ 55,000 $ 50,000
Washington County Minnesota 1 $ 45,000 $ 45,000 $ 83,000
Bollinger County Missouri 1 $ 95,000 $ 95,000 $ 56,000
Callaway County Missouri 1 $ 75,000 $ 75,000 $ 51,000
Cedar County Missouri 1 $ 65,000 $ 65,000 $ 46,000
Madison County Missouri 1 $ 75,000 $ 75,000 $ 71,000
McDonald County Missouri 1 $ 25,000 $ 25,000 $ 28,000
Warren County Missouri 1 $ 45,000 $ 45,000 $ 54,000
Bergen County New Jersey 1 $ 45,000 $ 45,000 $ 61,000
Cape May County New Jersey 1 $ 45,000 $ 45,000 $ 184,000
Gloucester County New Jersey 1 $ 15,000 $ 15,000 $ 36,000
Salem County New Jersey 1 $ 45,000 $ 45,000 $ 51,000
Albany County New York 1 $ 155,000 $ 155,000 $ 110,000
Cayuga County New York 1 $ 75,000 $ 75,000 $ 51,000
Chautauqua County New York 1 $ 35,000 $ 35,000 $ 46,000
Chemung County New York 1 $ 25,000 $ 25,000 $ 38,000
Erie County New York 1 $ 75,000 $ 75,000 $ 45,000
Franklin County New York 1 $ 115,000 $ 115,000 $ 118,000
Fulton County New York 1 $ 55,000 $ 55,000 $ 42,000
Herkimer County New York 1 $ 85,000 $ 85,000 $ 42,000
Lewis County New York 1 $ 95,000 $ 95,000 $ 39,000
Monroe County New York 1 $ 25,000 $ 25,000 $ 56,000
Oswego County New York 1 $ 105,000 $ 105,000 $ 70,000
Saratoga County New York 1 $ 55,000 $ 55,000 $ 31,000
Schuyler County New York 1 $ 45,000 $ 45,000 $ 36,000
Steuben County New York 1 $ 55,000 $ 55,000 $ 39,000
Tioga County New York 1 $ 65,000 $ 65,000 $ 27,000
Wayne County New York 1 $ 95,000 $ 95,000 $ 45,000
Catawba County North Carolina 1 $ 125,000 $ 125,000 $ 69,000
Harnett County North Carolina 1 $ 85,000 $ 85,000 $ 64,000
Clark County Ohio 1 $ 25,000 $ 25,000 $ 38,000
Franklin County Ohio 1 $ 55,000 $ 55,000 $ 58,000
Fulton County Ohio 1 $ 25,000 $ 25,000 $ 31,000
Guernsey County Ohio 1 $ 55,000 $ 55,000 $ 69,000
Lawrence County Ohio 1 $ 205,000 $ 205,000 $ 127,000
Mercer County Ohio 1 $ 45,000 $ 45,000 $ 23,000
Montgomery County Ohio 1 $ 35,000 $ 35,000 $ 158,000
Stark County Ohio 1 $ 65,000 $ 65,000 $ 67,000
Tuscarawas County Ohio 1 $ 45,000 $ 45,000 $ 63,000
Centre County Pennsylvania 1 $ 25,000 $ 25,000 $ 62,000
Columbia County Pennsylvania 1 $ 45,000 $ 45,000 $ 73,000
Fayette County Pennsylvania 1 $ 75,000 $ 75,000 $ 106,000
Franklin County Pennsylvania 1 $ 35,000 $ 35,000 $ 41,000
Fulton County Pennsylvania 1 $ 45,000 $ 45,000 $ 58,000
Mercer County Pennsylvania 1 $ 25,000 $ 25,000 $ 34,000
Monroe County Pennsylvania 1 $ 75,000 $ 75,000 $ 74,000
Montour County Pennsylvania 1 $ 15,000 $ 15,000 $ 53,000
Venango County Pennsylvania 1 $ 45,000 $ 45,000 $ 104,000
Warren County Pennsylvania 1 $ 75,000 $ 75,000 $ 32,000
Washington County Pennsylvania 1 $ 65,000 $ 65,000 $ 41,000
Westmoreland County Pennsylvania 1 $ 65,000 $ 65,000 $ 33,000
Lincoln County South Dakota 1 $ 35,000 $ 35,000 $ 160,000
Addison County Vermont 1 $ 55,000 $ 55,000 $ 61,000
Dickenson County Virginia 1 $ 55,000 $ 55,000 $ 84,000
Hanover County Virginia 1 $ 35,000 $ 35,000 $ 54,000
Fayette County West Virginia 1 $ 185,000 $ 185,000 $ 97,000
Hampshire County West Virginia 1 $ 95,000 $ 95,000 $ 511,000
Mason County West Virginia 1 $ 205,000 $ 205,000 $ 83,000
Mercer County West Virginia 1 $ 155,000 $ 155,000 $ 129,000
Nicholas County West Virginia 1 $ 105,000 $ 105,000 $ 104,000
Preston County West Virginia 1 $ 65,000 $ 65,000 $ 28,000
Eau Claire County Wisconsin 1 $ 65,000 $ 65,000 $ 37,000
Fond du Lac County Wisconsin 1 $ 35,000 $ 35,000 $ 44,000
Kenosha County Wisconsin 1 $ 35,000 $ 35,000 $ 62,000
La Crosse County Wisconsin 1 $ 55,000 $ 55,000 $ 58,000
Laramie County Wyoming 1 $ 55,000 $ 55,000 $ 54,000
Sweetwater County Wyoming 1 $ 65,000 $ 65,000 $ 77,000

Mortgage Loan Application Detail Totals for Star Usa Federal Credit Union in 2019

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 307 $17,965,000 $58,000 $235,000 $63,000 $511,000
Refinancing 37 $5,435,000 $146,000 $725,000 $84,000 $221,000
Cash-out Refinancing 6 $920,000 $153,000 $245,000 $134,000 $200,000
Home Improvement 0 $0 $0 $0 $0 $0
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 308 $21,970,000 $71,000 $725,000 $67,000 $511,000
Not Provided 14 $830,000 $59,000 $145,000 $65,000 $160,000
Hispanic 13 $735,000 $56,000 $95,000 $64,000 $152,000
American Indian or Alaskan Native 6 $270,000 $45,000 $105,000 $61,000 $98,000
Black or African American 5 $275,000 $55,000 $115,000 $57,000 $89,000
Asian 3 $185,000 $61,000 $85,000 $51,000 $78,000
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) 350 $24,320,000 $69,000 $725,000 $66,000 $511,000
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
Application Approved But Not Accepted 158 $9,600,000 $60,000 $205,000 $62,000 $511,000
Loan Originated 150 $11,490,000 $76,000 $725,000 $72,000 $231,000
Application Denied By Financial Institution 41 $2,865,000 $69,000 $185,000 $62,000 $180,000
File Closed For Incompleteness 1 $365,000 $365,000 $365,000 $0 $0
Application Withdrawn By Applicant 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 309 $21,455,000 $69,000 $725,000 $67,000 $511,000
Credit History 31 $2,065,000 $66,000 $185,000 $66,000 $180,000
Debt-To-Income Ratio 5 $475,000 $95,000 $135,000 $48,000 $85,000
Employment History 3 $225,000 $75,000 $115,000 $52,000 $79,000
Other 2 $100,000 $50,000 $55,000 $50,000 $74,000
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 2019 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.

Download the West Virginia Lender List