Star USA Federal Credit Union Mortgage Lending & HMDA Data, 2019
In 2019, Star USA Federal Credit Union of Charleston, WV reported 350 mortgage applications totaling $24.3 million, up 31% from 2018. The average application was for $69,485, and applicants reported an average income of $66,437. 43% of its applications resulted in an originated loan and 12% were denied. Its largest markets were Warren-Troy-Farmington Hills, MI (16), Charleston, WV (15) and Minneapolis-St. Paul-Bloomington, MN-WI (15) (applications in parentheses).
| 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 | 2025 2024 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 | $69,485 |
| Highest Mortgage Loan Application Amount | $725,000 |
| Average Applicant Income | $66,437 |
| Highest Applicant Income | $511,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Star USA Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Kanawha, West Virginia | 15 | $ 1,935,000 | $ 129,000 | $ 118,000 |
| Lancaster, Pennsylvania | 10 | $ 390,000 | $ 39,000 | $ 60,000 |
| Macomb, Michigan | 9 | $ 365,000 | $ 40,555 | $ 54,000 |
| Raleigh, West Virginia | 8 | $ 1,360,000 | $ 170,000 | $ 95,000 |
| Wood, Ohio | 7 | $ 325,000 | $ 46,428 | $ 59,000 |
| Monongalia, West Virginia | 7 | $ 1,075,000 | $ 153,571 | $ 78,000 |
| Larimer, Colorado | 6 | $ 420,000 | $ 70,000 | $ 52,000 |
| Kent, Michigan | 6 | $ 270,000 | $ 45,000 | $ 59,000 |
| Chester, Pennsylvania | 6 | $ 290,000 | $ 48,333 | $ 58,000 |
| Northampton, Pennsylvania | 6 | $ 240,000 | $ 40,000 | $ 52,000 |
| York, Pennsylvania | 6 | $ 320,000 | $ 53,333 | $ 50,000 |
| Putnam, West Virginia | 6 | $ 1,070,000 | $ 178,333 | $ 116,000 |
| Oakland, Michigan | 5 | $ 225,000 | $ 45,000 | $ 70,000 |
| Mesa, Colorado | 4 | $ 170,000 | $ 42,500 | $ 71,000 |
| Kootenai, Idaho | 4 | $ 270,000 | $ 67,500 | $ 58,000 |
| Anne Arundel, Maryland | 4 | $ 180,000 | $ 45,000 | $ 50,000 |
| Anoka, Minnesota | 4 | $ 180,000 | $ 45,000 | $ 65,000 |
| Wright, Minnesota | 4 | $ 240,000 | $ 60,000 | $ 67,000 |
| Burlington, New Jersey | 4 | $ 210,000 | $ 52,500 | $ 47,000 |
| Adams, Pennsylvania | 4 | $ 220,000 | $ 55,000 | $ 57,000 |
| Bucks, Pennsylvania | 4 | $ 360,000 | $ 90,000 | $ 62,000 |
| Cumberland, Pennsylvania | 4 | $ 240,000 | $ 60,000 | $ 59,000 |
| Dauphin, Pennsylvania | 4 | $ 140,000 | $ 35,000 | $ 50,000 |
| Wayne, West Virginia | 4 | $ 390,000 | $ 97,500 | $ 79,000 |
| Monroe, Michigan | 3 | $ 115,000 | $ 38,333 | $ 42,000 |
| Ottawa, Michigan | 3 | $ 105,000 | $ 35,000 | $ 55,000 |
| Washtenaw, Michigan | 3 | $ 185,000 | $ 61,666 | $ 63,000 |
| Wayne, Michigan | 3 | $ 185,000 | $ 61,666 | $ 55,000 |
| Dakota, Minnesota | 3 | $ 175,000 | $ 58,333 | $ 58,000 |
| Ocean, New Jersey | 3 | $ 285,000 | $ 95,000 | $ 120,000 |
| Oneida, New York | 3 | $ 105,000 | $ 35,000 | $ 31,000 |
| Ontario, New York | 3 | $ 155,000 | $ 51,666 | $ 89,000 |
| Berks, Pennsylvania | 3 | $ 175,000 | $ 58,333 | $ 56,000 |
| Butler, Pennsylvania | 3 | $ 185,000 | $ 61,666 | $ 42,000 |
| Erie, Pennsylvania | 3 | $ 75,000 | $ 25,000 | $ 55,000 |
| Lehigh, Pennsylvania | 3 | $ 95,000 | $ 31,666 | $ 36,000 |
| Berkeley, West Virginia | 3 | $ 125,000 | $ 41,666 | $ 49,000 |
| Gunnison, Colorado | 2 | $ 190,000 | $ 95,000 | $ 74,000 |
| Weld, Colorado | 2 | $ 180,000 | $ 90,000 | $ 72,000 |
| Lake, Florida | 2 | $ 260,000 | $ 130,000 | $ 111,000 |
| Douglas, Kansas | 2 | $ 70,000 | $ 35,000 | $ 58,000 |
| Berrien, Michigan | 2 | $ 90,000 | $ 45,000 | $ 80,000 |
| Livingston, Michigan | 2 | $ 110,000 | $ 55,000 | $ 54,000 |
| Muskegon, Michigan | 2 | $ 80,000 | $ 40,000 | $ 80,000 |
| Shiawassee, Michigan | 2 | $ 70,000 | $ 35,000 | $ 38,000 |
| Beltrami, Minnesota | 2 | $ 130,000 | $ 65,000 | $ 36,000 |
| Ramsey, Minnesota | 2 | $ 90,000 | $ 45,000 | $ 52,000 |
| St. Louis, Minnesota | 2 | $ 110,000 | $ 55,000 | $ 71,000 |
| Douglas, Nebraska | 2 | $ 60,000 | $ 30,000 | $ 48,000 |
| Atlantic, New Jersey | 2 | $ 230,000 | $ 115,000 | $ 49,000 |
| Cumberland, New Jersey | 2 | $ 50,000 | $ 25,000 | $ 37,000 |
| Middlesex, New Jersey | 2 | $ 170,000 | $ 85,000 | $ 53,000 |
| Chenango, New York | 2 | $ 90,000 | $ 45,000 | $ 35,000 |
| Dutchess, New York | 2 | $ 190,000 | $ 95,000 | $ 71,000 |
| Jefferson, New York | 2 | $ 80,000 | $ 40,000 | $ 54,000 |
| Onondaga, New York | 2 | $ 120,000 | $ 60,000 | $ 37,000 |
| Carbon, Pennsylvania | 2 | $ 160,000 | $ 80,000 | $ 63,000 |
| Lebanon, Pennsylvania | 2 | $ 90,000 | $ 45,000 | $ 73,000 |
| Montgomery, Pennsylvania | 2 | $ 130,000 | $ 65,000 | $ 47,000 |
| Northumberland, Pennsylvania | 2 | $ 150,000 | $ 75,000 | $ 82,000 |
| Union, Pennsylvania | 2 | $ 150,000 | $ 75,000 | $ 61,000 |
| Augusta, Virginia | 2 | $ 90,000 | $ 45,000 | $ 33,000 |
| Russell, Virginia | 2 | $ 200,000 | $ 100,000 | $ 78,000 |
| Cabell, West Virginia | 2 | $ 220,000 | $ 110,000 | $ 70,000 |
| Wood, West Virginia | 2 | $ 120,000 | $ 60,000 | $ 81,000 |
| Adams, Colorado | 1 | $ 45,000 | $ 45,000 | $ 44,000 |
| Boulder, Colorado | 1 | $ 85,000 | $ 85,000 | $ 71,000 |
| Broomfield, Colorado | 1 | $ 75,000 | $ 75,000 | $ 46,000 |
| Garfield, Colorado | 1 | $ 45,000 | $ 45,000 | $ 100,000 |
| Montrose, Colorado | 1 | $ 115,000 | $ 115,000 | $ 53,000 |
| Sussex, Delaware | 1 | $ 55,000 | $ 55,000 | $ 46,000 |
| Ada, Idaho | 1 | $ 45,000 | $ 45,000 | $ 51,000 |
| Payette, Idaho | 1 | $ 145,000 | $ 145,000 | $ 76,000 |
| Champaign, Illinois | 1 | $ 15,000 | $ 15,000 | $ 25,000 |
| Allen, Indiana | 1 | $ 35,000 | $ 35,000 | $ 60,000 |
| Henry, Indiana | 1 | $ 65,000 | $ 65,000 | $ 55,000 |
| Madison, Indiana | 1 | $ 25,000 | $ 25,000 | $ 38,000 |
| Vanderburgh, Indiana | 1 | $ 25,000 | $ 25,000 | $ 42,000 |
| Butler, Kansas | 1 | $ 45,000 | $ 45,000 | $ 18,000 |
| Cowley, Kansas | 1 | $ 25,000 | $ 25,000 | $ 19,000 |
| Johnson, Kansas | 1 | $ 35,000 | $ 35,000 | $ 124,000 |
| Linn, Kansas | 1 | $ 115,000 | $ 115,000 | $ 95,000 |
| Sedgwick, Kansas | 1 | $ 95,000 | $ 95,000 | $ 124,000 |
| Clay, Kentucky | 1 | $ 45,000 | $ 45,000 | $ 34,000 |
| Androscoggin, Maine | 1 | $ 85,000 | $ 85,000 | $ 64,000 |
| Baltimore, Maryland | 1 | $ 25,000 | $ 25,000 | $ 29,000 |
| Carroll, Maryland | 1 | $ 65,000 | $ 65,000 | $ 48,000 |
| Frederick, Maryland | 1 | $ 95,000 | $ 95,000 | $ 103,000 |
| Prince George's, Maryland | 1 | $ 85,000 | $ 85,000 | $ 60,000 |
| Genesee, Michigan | 1 | $ 25,000 | $ 25,000 | $ 43,000 |
| Hillsdale, Michigan | 1 | $ 45,000 | $ 45,000 | $ 31,000 |
| Kalamazoo, Michigan | 1 | $ 55,000 | $ 55,000 | $ 98,000 |
| Mason, Michigan | 1 | $ 75,000 | $ 75,000 | $ 83,000 |
| Montcalm, Michigan | 1 | $ 45,000 | $ 45,000 | $ 79,000 |
| Sanilac, Michigan | 1 | $ 25,000 | $ 25,000 | $ 67,000 |
| Chisago, Minnesota | 1 | $ 95,000 | $ 95,000 | $ 70,000 |
| Hubbard, Minnesota | 1 | $ 15,000 | $ 15,000 | $ 59,000 |
| McLeod, Minnesota | 1 | $ 25,000 | $ 25,000 | $ 74,000 |
| Stearns, Minnesota | 1 | $ 105,000 | $ 105,000 | $ 70,000 |
| Steele, Minnesota | 1 | $ 55,000 | $ 55,000 | $ 50,000 |
| Washington, Minnesota | 1 | $ 45,000 | $ 45,000 | $ 83,000 |
| Bollinger, Missouri | 1 | $ 95,000 | $ 95,000 | $ 56,000 |
| Callaway, Missouri | 1 | $ 75,000 | $ 75,000 | $ 51,000 |
| Cedar, Missouri | 1 | $ 65,000 | $ 65,000 | $ 46,000 |
| Madison, Missouri | 1 | $ 75,000 | $ 75,000 | $ 71,000 |
| McDonald, Missouri | 1 | $ 25,000 | $ 25,000 | $ 28,000 |
| Warren, Missouri | 1 | $ 45,000 | $ 45,000 | $ 54,000 |
| Bergen, New Jersey | 1 | $ 45,000 | $ 45,000 | $ 61,000 |
| Cape May, New Jersey | 1 | $ 45,000 | $ 45,000 | $ 184,000 |
| Gloucester, New Jersey | 1 | $ 15,000 | $ 15,000 | $ 36,000 |
| Salem, New Jersey | 1 | $ 45,000 | $ 45,000 | $ 51,000 |
| Albany, New York | 1 | $ 155,000 | $ 155,000 | $ 110,000 |
| Cayuga, New York | 1 | $ 75,000 | $ 75,000 | $ 51,000 |
| Chautauqua, New York | 1 | $ 35,000 | $ 35,000 | $ 46,000 |
| Chemung, New York | 1 | $ 25,000 | $ 25,000 | $ 38,000 |
| Erie, New York | 1 | $ 75,000 | $ 75,000 | $ 45,000 |
| Franklin, New York | 1 | $ 115,000 | $ 115,000 | $ 118,000 |
| Fulton, New York | 1 | $ 55,000 | $ 55,000 | $ 42,000 |
| Herkimer, New York | 1 | $ 85,000 | $ 85,000 | $ 42,000 |
| Lewis, New York | 1 | $ 95,000 | $ 95,000 | $ 39,000 |
| Monroe, New York | 1 | $ 25,000 | $ 25,000 | $ 56,000 |
| Oswego, New York | 1 | $ 105,000 | $ 105,000 | $ 70,000 |
| Saratoga, New York | 1 | $ 55,000 | $ 55,000 | $ 31,000 |
| Schuyler, New York | 1 | $ 45,000 | $ 45,000 | $ 36,000 |
| Steuben, New York | 1 | $ 55,000 | $ 55,000 | $ 39,000 |
| Tioga, New York | 1 | $ 65,000 | $ 65,000 | $ 27,000 |
| Wayne, New York | 1 | $ 95,000 | $ 95,000 | $ 45,000 |
| Catawba, North Carolina | 1 | $ 125,000 | $ 125,000 | $ 69,000 |
| Harnett, North Carolina | 1 | $ 85,000 | $ 85,000 | $ 64,000 |
| Clark, Ohio | 1 | $ 25,000 | $ 25,000 | $ 38,000 |
| Franklin, Ohio | 1 | $ 55,000 | $ 55,000 | $ 58,000 |
| Fulton, Ohio | 1 | $ 25,000 | $ 25,000 | $ 31,000 |
| Guernsey, Ohio | 1 | $ 55,000 | $ 55,000 | $ 69,000 |
| Lawrence, Ohio | 1 | $ 205,000 | $ 205,000 | $ 127,000 |
| Mercer, Ohio | 1 | $ 45,000 | $ 45,000 | $ 23,000 |
| Montgomery, Ohio | 1 | $ 35,000 | $ 35,000 | $ 158,000 |
| Stark, Ohio | 1 | $ 65,000 | $ 65,000 | $ 67,000 |
| Tuscarawas, Ohio | 1 | $ 45,000 | $ 45,000 | $ 63,000 |
| Centre, Pennsylvania | 1 | $ 25,000 | $ 25,000 | $ 62,000 |
| Columbia, Pennsylvania | 1 | $ 45,000 | $ 45,000 | $ 73,000 |
| Fayette, Pennsylvania | 1 | $ 75,000 | $ 75,000 | $ 106,000 |
| Franklin, Pennsylvania | 1 | $ 35,000 | $ 35,000 | $ 41,000 |
| Fulton, Pennsylvania | 1 | $ 45,000 | $ 45,000 | $ 58,000 |
| Mercer, Pennsylvania | 1 | $ 25,000 | $ 25,000 | $ 34,000 |
| Monroe, Pennsylvania | 1 | $ 75,000 | $ 75,000 | $ 74,000 |
| Montour, Pennsylvania | 1 | $ 15,000 | $ 15,000 | $ 53,000 |
| Venango, Pennsylvania | 1 | $ 45,000 | $ 45,000 | $ 104,000 |
| Warren, Pennsylvania | 1 | $ 75,000 | $ 75,000 | $ 32,000 |
| Washington, Pennsylvania | 1 | $ 65,000 | $ 65,000 | $ 41,000 |
| Westmoreland, Pennsylvania | 1 | $ 65,000 | $ 65,000 | $ 33,000 |
| Lincoln, South Dakota | 1 | $ 35,000 | $ 35,000 | $ 160,000 |
| Addison, Vermont | 1 | $ 55,000 | $ 55,000 | $ 61,000 |
| Dickenson, Virginia | 1 | $ 55,000 | $ 55,000 | $ 84,000 |
| Hanover, Virginia | 1 | $ 35,000 | $ 35,000 | $ 54,000 |
| Fayette, West Virginia | 1 | $ 185,000 | $ 185,000 | $ 97,000 |
| Hampshire, West Virginia | 1 | $ 95,000 | $ 95,000 | $ 511,000 |
| Mason, West Virginia | 1 | $ 205,000 | $ 205,000 | $ 83,000 |
| Mercer, West Virginia | 1 | $ 155,000 | $ 155,000 | $ 129,000 |
| Nicholas, West Virginia | 1 | $ 105,000 | $ 105,000 | $ 104,000 |
| Preston, West Virginia | 1 | $ 65,000 | $ 65,000 | $ 28,000 |
| Eau Claire, Wisconsin | 1 | $ 65,000 | $ 65,000 | $ 37,000 |
| Fond du Lac, Wisconsin | 1 | $ 35,000 | $ 35,000 | $ 44,000 |
| Kenosha, Wisconsin | 1 | $ 35,000 | $ 35,000 | $ 62,000 |
| La Crosse, Wisconsin | 1 | $ 55,000 | $ 55,000 | $ 58,000 |
| Laramie, Wyoming | 1 | $ 55,000 | $ 55,000 | $ 54,000 |
| Sweetwater, 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.
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