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.
| 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 |
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.