Star Usa Federal Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2020
Star Usa Federal 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 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 | 464 |
| Total Mortgage Loan Application Amount | $37,110,000 |
| Average Mortgage Loan Application Amount | $144,666 |
| Highest Mortgage Loan Application Amount | $1,175,000 |
| Average Applicant Income | $105,333 |
| Highest Applicant Income | $876,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2020 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 2020 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 2020.
| 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 | 27 | $ 5,835,000 | $ 216,000 | $ 138,000 |
| Putnam County West Virginia | 21 | $ 4,745,000 | $ 225,000 | $ 192,000 |
| Raleigh County West Virginia | 21 | $ 3,375,000 | $ 160,000 | $ 115,000 |
| Kent County Michigan | 14 | $ 680,000 | $ 48,000 | $ 56,000 |
| Montgomery County Pennsylvania | 9 | $ 455,000 | $ 50,000 | $ 62,000 |
| Weld County Colorado | 7 | $ 265,000 | $ 37,000 | $ 98,000 |
| Macomb County Michigan | 7 | $ 235,000 | $ 33,000 | $ 56,000 |
| Wayne County Michigan | 7 | $ 325,000 | $ 46,000 | $ 49,000 |
| Onondaga County New York | 7 | $ 365,000 | $ 52,000 | $ 41,000 |
| Cabell County West Virginia | 7 | $ 1,015,000 | $ 145,000 | $ 90,000 |
| Livingston County Michigan | 6 | $ 300,000 | $ 50,000 | $ 50,000 |
| Wood County Ohio | 6 | $ 160,000 | $ 26,000 | $ 44,000 |
| Lancaster County Pennsylvania | 6 | $ 290,000 | $ 48,000 | $ 55,000 |
| York County Pennsylvania | 6 | $ 300,000 | $ 50,000 | $ 78,000 |
| Monroe County Michigan | 5 | $ 215,000 | $ 43,000 | $ 38,000 |
| Ada County Idaho | 4 | $ 310,000 | $ 77,000 | $ 45,000 |
| Linn County Iowa | 4 | $ 240,000 | $ 60,000 | $ 53,000 |
| Anne Arundel County Maryland | 4 | $ 240,000 | $ 60,000 | $ 63,000 |
| Genesee County Michigan | 4 | $ 190,000 | $ 47,000 | $ 74,000 |
| Lenawee County Michigan | 4 | $ 90,000 | $ 22,000 | $ 30,000 |
| Anoka County Minnesota | 4 | $ 160,000 | $ 40,000 | $ 50,000 |
| Ramsey County Minnesota | 4 | $ 200,000 | $ 50,000 | $ 54,000 |
| Lehigh County Pennsylvania | 4 | $ 240,000 | $ 60,000 | $ 67,000 |
| Story County Iowa | 3 | $ 155,000 | $ 51,000 | $ 47,000 |
| Oakland County Michigan | 3 | $ 215,000 | $ 71,000 | $ 61,000 |
| Ottawa County Michigan | 3 | $ 165,000 | $ 55,000 | $ 50,000 |
| Wright County Minnesota | 3 | $ 165,000 | $ 55,000 | $ 50,000 |
| Middlesex County New Jersey | 3 | $ 335,000 | $ 111,000 | $ 59,000 |
| Cayuga County New York | 3 | $ 125,000 | $ 41,000 | $ 41,000 |
| Herkimer County New York | 3 | $ 155,000 | $ 51,000 | $ 55,000 |
| Jefferson County New York | 3 | $ 185,000 | $ 61,000 | $ 34,000 |
| Niagara County New York | 3 | $ 205,000 | $ 68,000 | $ 39,000 |
| Oneida County New York | 3 | $ 155,000 | $ 51,000 | $ 75,000 |
| Orange County New York | 3 | $ 225,000 | $ 75,000 | $ 68,000 |
| Rockland County New York | 3 | $ 225,000 | $ 75,000 | $ 46,000 |
| Cuyahoga County Ohio | 3 | $ 65,000 | $ 21,000 | $ 55,000 |
| Franklin County Ohio | 3 | $ 155,000 | $ 51,000 | $ 48,000 |
| Adams County Pennsylvania | 3 | $ 225,000 | $ 75,000 | $ 59,000 |
| Berks County Pennsylvania | 3 | $ 165,000 | $ 55,000 | $ 46,000 |
| Bucks County Pennsylvania | 3 | $ 105,000 | $ 35,000 | $ 42,000 |
| Chester County Pennsylvania | 3 | $ 145,000 | $ 48,000 | $ 49,000 |
| Northumberland County Pennsylvania | 3 | $ 165,000 | $ 55,000 | $ 47,000 |
| Fayette County West Virginia | 3 | $ 285,000 | $ 95,000 | $ 88,000 |
| Wayne County West Virginia | 3 | $ 275,000 | $ 91,000 | $ 80,000 |
| Dunn County Wisconsin | 3 | $ 125,000 | $ 41,000 | $ 62,000 |
| Kootenai County Idaho | 2 | $ 110,000 | $ 55,000 | $ 34,000 |
| Cook County Illinois | 2 | $ 130,000 | $ 65,000 | $ 70,000 |
| Grundy County Illinois | 2 | $ 50,000 | $ 25,000 | $ 41,000 |
| McLean County Illinois | 2 | $ 90,000 | $ 45,000 | $ 54,000 |
| Sedgwick County Kansas | 2 | $ 50,000 | $ 25,000 | $ 17,000 |
| Allegan County Michigan | 2 | $ 60,000 | $ 30,000 | $ 34,000 |
| Berrien County Michigan | 2 | $ 60,000 | $ 30,000 | $ 56,000 |
| Grand Traverse County Michigan | 2 | $ 220,000 | $ 110,000 | $ 53,000 |
| Shiawassee County Michigan | 2 | $ 80,000 | $ 40,000 | $ 41,000 |
| Washtenaw County Michigan | 2 | $ 100,000 | $ 50,000 | $ 50,000 |
| Clay County Missouri | 2 | $ 100,000 | $ 50,000 | $ 58,000 |
| Douglas County Nebraska | 2 | $ 110,000 | $ 55,000 | $ 33,000 |
| Camden County New Jersey | 2 | $ 110,000 | $ 55,000 | $ 53,000 |
| Gloucester County New Jersey | 2 | $ 70,000 | $ 35,000 | $ 33,000 |
| Ocean County New Jersey | 2 | $ 70,000 | $ 35,000 | $ 31,000 |
| Erie County New York | 2 | $ 80,000 | $ 40,000 | $ 54,000 |
| Montgomery County New York | 2 | $ 110,000 | $ 55,000 | $ 50,000 |
| Ontario County New York | 2 | $ 170,000 | $ 85,000 | $ 86,000 |
| Saratoga County New York | 2 | $ 220,000 | $ 110,000 | $ 59,000 |
| Wayne County New York | 2 | $ 120,000 | $ 60,000 | $ 58,000 |
| Wyoming County New York | 2 | $ 160,000 | $ 80,000 | $ 81,000 |
| Stark County Ohio | 2 | $ 180,000 | $ 90,000 | $ 78,000 |
| Dauphin County Pennsylvania | 2 | $ 70,000 | $ 35,000 | $ 52,000 |
| Lebanon County Pennsylvania | 2 | $ 110,000 | $ 55,000 | $ 32,000 |
| Northampton County Pennsylvania | 2 | $ 80,000 | $ 40,000 | $ 51,000 |
| Susquehanna County Pennsylvania | 2 | $ 130,000 | $ 65,000 | $ 32,000 |
| Augusta County Virginia | 2 | $ 90,000 | $ 45,000 | $ 31,000 |
| Frederick County Virginia | 2 | $ 100,000 | $ 50,000 | $ 49,000 |
| Logan County West Virginia | 2 | $ 300,000 | $ 150,000 | $ 138,000 |
| Monongalia County West Virginia | 2 | $ 130,000 | $ 65,000 | $ 54,000 |
| Nicholas County West Virginia | 2 | $ 180,000 | $ 90,000 | $ 93,000 |
| Randolph County West Virginia | 2 | $ 120,000 | $ 60,000 | $ 126,000 |
| Summers County West Virginia | 2 | $ 380,000 | $ 190,000 | $ 126,000 |
| Bayfield County Wisconsin | 2 | $ 110,000 | $ 55,000 | $ 49,000 |
| El Paso County Colorado | 1 | $ 95,000 | $ 95,000 | $ 60,000 |
| Jefferson County Colorado | 1 | $ 45,000 | $ 45,000 | $ 53,000 |
| Larimer County Colorado | 1 | $ 35,000 | $ 35,000 | $ 66,000 |
| New Haven County Connecticut | 1 | $ 85,000 | $ 85,000 | $ 133,000 |
| New Castle County Delaware | 1 | $ 35,000 | $ 35,000 | $ 72,000 |
| Gem County Idaho | 1 | $ 95,000 | $ 95,000 | $ 40,000 |
| Kankakee County Illinois | 1 | $ 35,000 | $ 35,000 | $ 41,000 |
| Macon County Illinois | 1 | $ 25,000 | $ 25,000 | $ 35,000 |
| Madison County Illinois | 1 | $ 95,000 | $ 95,000 | $ 49,000 |
| Putnam County Illinois | 1 | $ 105,000 | $ 105,000 | $ 66,000 |
| St. Clair County Illinois | 1 | $ 65,000 | $ 65,000 | $ 53,000 |
| Will County Illinois | 1 | $ 65,000 | $ 65,000 | $ 57,000 |
| Clark County Indiana | 1 | $ 75,000 | $ 75,000 | $ 31,000 |
| Elkhart County Indiana | 1 | $ 45,000 | $ 45,000 | $ 25,000 |
| Hancock County Indiana | 1 | $ 35,000 | $ 35,000 | $ 76,000 |
| Jefferson County Indiana | 1 | $ 15,000 | $ 15,000 | $ 62,000 |
| Black Hawk County Iowa | 1 | $ 25,000 | $ 25,000 | $ 41,000 |
| Dubuque County Iowa | 1 | $ 115,000 | $ 115,000 | $ 73,000 |
| Henry County Iowa | 1 | $ 55,000 | $ 55,000 | $ 36,000 |
| Johnson County Iowa | 1 | $ 75,000 | $ 75,000 | $ 109,000 |
| Marion County Iowa | 1 | $ 15,000 | $ 15,000 | $ 42,000 |
| Polk County Iowa | 1 | $ 35,000 | $ 35,000 | $ 32,000 |
| Butler County Kansas | 1 | $ 15,000 | $ 15,000 | $ 32,000 |
| Doniphan County Kansas | 1 | $ 75,000 | $ 75,000 | $ 42,000 |
| Finney County Kansas | 1 | $ 55,000 | $ 55,000 | $ 34,000 |
| Johnson County Kansas | 1 | $ 25,000 | $ 25,000 | $ 34,000 |
| Riley County Kansas | 1 | $ 45,000 | $ 45,000 | $ 58,000 |
| Casey County Kentucky | 1 | $ 125,000 | $ 125,000 | $ 45,000 |
| Hardin County Kentucky | 1 | $ 55,000 | $ 55,000 | $ 51,000 |
| Knott County Kentucky | 1 | $ 65,000 | $ 65,000 | $ 41,000 |
| Knox County Kentucky | 1 | $ 85,000 | $ 85,000 | $ 27,000 |
| Morgan County Kentucky | 1 | $ 35,000 | $ 35,000 | $ 21,000 |
| Owen County Kentucky | 1 | $ 65,000 | $ 65,000 | $ 45,000 |
| Perry County Kentucky | 1 | $ 35,000 | $ 35,000 | $ 31,000 |
| Howard County Maryland | 1 | $ 25,000 | $ 25,000 | $ 48,000 |
| Washington County Maryland | 1 | $ 45,000 | $ 45,000 | $ 64,000 |
| Barry County Michigan | 1 | $ 15,000 | $ 15,000 | $ 34,000 |
| Clinton County Michigan | 1 | $ 15,000 | $ 15,000 | $ 41,000 |
| Ionia County Michigan | 1 | $ 55,000 | $ 55,000 | $ 111,000 |
| Jackson County Michigan | 1 | $ 15,000 | $ 15,000 | $ 64,000 |
| Kalamazoo County Michigan | 1 | $ 45,000 | $ 45,000 | $ 47,000 |
| Mason County Michigan | 1 | $ 35,000 | $ 35,000 | $ 27,000 |
| Muskegon County Michigan | 1 | $ 45,000 | $ 45,000 | $ 53,000 |
| Newaygo County Michigan | 1 | $ 25,000 | $ 25,000 | $ 7,000 |
| St. Clair County Michigan | 1 | $ 15,000 | $ 15,000 | $ 33,000 |
| Carver County Minnesota | 1 | $ 35,000 | $ 35,000 | $ 60,000 |
| Hennepin County Minnesota | 1 | $ 85,000 | $ 85,000 | $ 60,000 |
| Meeker County Minnesota | 1 | $ 55,000 | $ 55,000 | $ 60,000 |
| Steele County Minnesota | 1 | $ 65,000 | $ 65,000 | $ 32,000 |
| Washington County Minnesota | 1 | $ 45,000 | $ 45,000 | $ 57,000 |
| Andrew County Missouri | 1 | $ 155,000 | $ 155,000 | $ 55,000 |
| Camden County Missouri | 1 | $ 55,000 | $ 55,000 | $ 48,000 |
| Cass County Missouri | 1 | $ 45,000 | $ 45,000 | $ 45,000 |
| Holt County Missouri | 1 | $ 115,000 | $ 115,000 | $ 118,000 |
| Jefferson County Missouri | 1 | $ 25,000 | $ 25,000 | $ 41,000 |
| Johnson County Missouri | 1 | $ 85,000 | $ 85,000 | $ 74,000 |
| Lafayette County Missouri | 1 | $ 155,000 | $ 155,000 | $ 62,000 |
| Lincoln County Missouri | 1 | $ 65,000 | $ 65,000 | $ 65,000 |
| Marion County Missouri | 1 | $ 25,000 | $ 25,000 | $ 42,000 |
| Moniteau County Missouri | 1 | $ 65,000 | $ 65,000 | $ 66,000 |
| Newton County Missouri | 1 | $ 25,000 | $ 25,000 | $ 31,000 |
| Oregon County Missouri | 1 | $ 35,000 | $ 35,000 | $ 54,000 |
| Randolph County Missouri | 1 | $ 65,000 | $ 65,000 | $ 36,000 |
| Scott County Missouri | 1 | $ 35,000 | $ 35,000 | $ 34,000 |
| St. Charles County Missouri | 1 | $ 25,000 | $ 25,000 | $ 52,000 |
| Warren County Missouri | 1 | $ 25,000 | $ 25,000 | $ 32,000 |
| Flathead County Montana | 1 | $ 85,000 | $ 85,000 | $ 58,000 |
| Park County Montana | 1 | $ 85,000 | $ 85,000 | $ 32,000 |
| Cheyenne County Nebraska | 1 | $ 25,000 | $ 25,000 | $ 15,000 |
| Lancaster County Nebraska | 1 | $ 35,000 | $ 35,000 | $ 49,000 |
| Madison County Nebraska | 1 | $ 65,000 | $ 65,000 | $ 41,000 |
| Washington County Nebraska | 1 | $ 75,000 | $ 75,000 | $ 51,000 |
| Burlington County New Jersey | 1 | $ 35,000 | $ 35,000 | $ 37,000 |
| Cumberland County New Jersey | 1 | $ 75,000 | $ 75,000 | $ 71,000 |
| Broome County New York | 1 | $ 35,000 | $ 35,000 | $ 41,000 |
| Chenango County New York | 1 | $ 25,000 | $ 25,000 | $ 38,000 |
| Columbia County New York | 1 | $ 55,000 | $ 55,000 | $ 46,000 |
| Franklin County New York | 1 | $ 85,000 | $ 85,000 | $ 63,000 |
| Fulton County New York | 1 | $ 35,000 | $ 35,000 | $ 42,000 |
| Greene County New York | 1 | $ 45,000 | $ 45,000 | $ 46,000 |
| Livingston County New York | 1 | $ 55,000 | $ 55,000 | $ 54,000 |
| Madison County New York | 1 | $ 75,000 | $ 75,000 | $ 45,000 |
| Monroe County New York | 1 | $ 45,000 | $ 45,000 | $ 27,000 |
| Oswego County New York | 1 | $ 95,000 | $ 95,000 | $ 53,000 |
| Lincoln County North Carolina | 1 | $ 355,000 | $ 355,000 | $ 175,000 |
| Williams County North Dakota | 1 | $ 35,000 | $ 35,000 | $ 118,000 |
| Ashtabula County Ohio | 1 | $ 55,000 | $ 55,000 | $ 53,000 |
| Auglaize County Ohio | 1 | $ 95,000 | $ 95,000 | $ 47,000 |
| Clark County Ohio | 1 | $ 25,000 | $ 25,000 | $ 30,000 |
| Fulton County Ohio | 1 | $ 65,000 | $ 65,000 | $ 39,000 |
| Gallia County Ohio | 1 | $ 55,000 | $ 55,000 | $ 70,000 |
| Henry County Ohio | 1 | $ 25,000 | $ 25,000 | $ 36,000 |
| Marion County Ohio | 1 | $ 65,000 | $ 65,000 | $ 77,000 |
| Muskingum County Ohio | 1 | $ 25,000 | $ 25,000 | $ 62,000 |
| Portage County Ohio | 1 | $ 25,000 | $ 25,000 | $ 45,000 |
| Richland County Ohio | 1 | $ 45,000 | $ 45,000 | $ 55,000 |
| Tuscarawas County Ohio | 1 | $ 45,000 | $ 45,000 | $ 30,000 |
| Wayne County Ohio | 1 | $ 15,000 | $ 15,000 | $ 48,000 |
| Allegheny County Pennsylvania | 1 | $ 35,000 | $ 35,000 | $ 78,000 |
| Clarion County Pennsylvania | 1 | $ 55,000 | $ 55,000 | $ 28,000 |
| Cumberland County Pennsylvania | 1 | $ 85,000 | $ 85,000 | $ 50,000 |
| Fayette County Pennsylvania | 1 | $ 65,000 | $ 65,000 | $ 84,000 |
| Franklin County Pennsylvania | 1 | $ 45,000 | $ 45,000 | $ 34,000 |
| Luzerne County Pennsylvania | 1 | $ 45,000 | $ 45,000 | $ 61,000 |
| Perry County Pennsylvania | 1 | $ 85,000 | $ 85,000 | $ 31,000 |
| Schuylkill County Pennsylvania | 1 | $ 25,000 | $ 25,000 | $ 69,000 |
| Washington County Pennsylvania | 1 | $ 55,000 | $ 55,000 | $ 31,000 |
| Westmoreland County Pennsylvania | 1 | $ 35,000 | $ 35,000 | $ 81,000 |
| Turner County South Dakota | 1 | $ 95,000 | $ 95,000 | $ 100,000 |
| Cannon County Tennessee | 1 | $ 55,000 | $ 55,000 | $ 72,000 |
| Knox County Tennessee | 1 | $ 315,000 | $ 315,000 | $ 209,000 |
| Montgomery County Tennessee | 1 | $ 25,000 | $ 25,000 | $ 96,000 |
| Sevier County Tennessee | 1 | $ 45,000 | $ 45,000 | $ 28,000 |
| Campbell County Virginia | 1 | $ 65,000 | $ 65,000 | $ 40,000 |
| Caroline County Virginia | 1 | $ 75,000 | $ 75,000 | $ 160,000 |
| Jackson County West Virginia | 1 | $ 105,000 | $ 105,000 | $ 83,000 |
| Lincoln County West Virginia | 1 | $ 75,000 | $ 75,000 | $ 70,000 |
| Crawford County Wisconsin | 1 | $ 95,000 | $ 95,000 | $ 65,000 |
| Dodge County Wisconsin | 1 | $ 45,000 | $ 45,000 | $ 76,000 |
| Eau Claire County Wisconsin | 1 | $ 35,000 | $ 35,000 | $ 62,000 |
| Kenosha County Wisconsin | 1 | $ 35,000 | $ 35,000 | $ 40,000 |
| Outagamie County Wisconsin | 1 | $ 25,000 | $ 25,000 | $ 17,000 |
| St. Croix County Wisconsin | 1 | $ 75,000 | $ 75,000 | $ 49,000 |
| Vernon County Wisconsin | 1 | $ 55,000 | $ 55,000 | $ 33,000 |
Mortgage Loan Application Detail Totals for Star Usa Federal 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 |
|---|---|---|---|---|---|---|
| Home Purchase | 379 | $21,865,000 | $57,000 | $475,000 | $56,000 | $480,000 |
| Refinancing | 64 | $10,890,000 | $170,000 | $515,000 | $133,000 | $876,000 |
| Cash-out Refinancing | 21 | $4,355,000 | $207,000 | $1,175,000 | $127,000 | $351,000 |
| 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 | 398 | $32,870,000 | $82,000 | $1,175,000 | $71,000 | $876,000 |
| Not Provided | 22 | $1,370,000 | $62,000 | $155,000 | $55,000 | $84,000 |
| Hispanic | 20 | $950,000 | $47,000 | $85,000 | $58,000 | $96,000 |
| Black or African American | 16 | $1,030,000 | $64,000 | $245,000 | $66,000 | $160,000 |
| American Indian or Alaskan Native | 3 | $135,000 | $45,000 | $45,000 | $46,000 | $48,000 |
| Asian | 2 | $600,000 | $300,000 | $515,000 | $180,000 | $292,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $45,000 | $45,000 | $45,000 | $26,000 | $26,000 |
| 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) | 464 | $37,110,000 | $79,000 | $1,175,000 | $70,000 | $876,000 |
| 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 | 202 | $21,510,000 | $106,000 | $1,175,000 | $90,000 | $876,000 |
| Application Approved But Not Accepted | 162 | $8,670,000 | $53,000 | $155,000 | $54,000 | $160,000 |
| Application Denied By Financial Institution | 99 | $6,635,000 | $67,000 | $205,000 | $52,000 | $150,000 |
| Application Withdrawn By Applicant | 1 | $295,000 | $295,000 | $295,000 | $153,000 | $153,000 |
| 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 | 365 | $30,475,000 | $83,000 | $1,175,000 | $74,000 | $876,000 |
| Credit History | 73 | $4,675,000 | $64,000 | $205,000 | $48,000 | $100,000 |
| Debt-To-Income Ratio | 12 | $1,090,000 | $90,000 | $195,000 | $65,000 | $112,000 |
| Employment History | 7 | $355,000 | $50,000 | $75,000 | $59,000 | $82,000 |
| Other | 6 | $410,000 | $68,000 | $105,000 | $69,000 | $150,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $105,000 | $105,000 | $105,000 | $84,000 | $84,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Star Usa Federal 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 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.