Star Usa Federal Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2021
Star Usa Federal Credit Union 2021 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 | 315 |
| Total Mortgage Loan Application Amount | $26,495,000 |
| Average Mortgage Loan Application Amount | $107,666 |
| Highest Mortgage Loan Application Amount | $425,000 |
| Average Applicant Income | $83,666 |
| Highest Applicant Income | $432,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2021 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 2021 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 2021.
| 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 | 30 | $ 4,350,000 | $ 145,000 | $ 116,000 |
| Raleigh County West Virginia | 18 | $ 2,420,000 | $ 134,000 | $ 110,000 |
| Macomb County Michigan | 12 | $ 780,000 | $ 65,000 | $ 80,000 |
| Putnam County West Virginia | 10 | $ 1,920,000 | $ 192,000 | $ 97,000 |
| Wayne County Michigan | 6 | $ 310,000 | $ 51,000 | $ 55,000 |
| Larimer County Colorado | 5 | $ 325,000 | $ 65,000 | $ 81,000 |
| Polk County Florida | 5 | $ 265,000 | $ 53,000 | $ 61,000 |
| Kent County Michigan | 5 | $ 365,000 | $ 73,000 | $ 71,000 |
| Livingston County Michigan | 4 | $ 260,000 | $ 65,000 | $ 78,000 |
| Berks County Pennsylvania | 4 | $ 330,000 | $ 82,000 | $ 80,000 |
| Bucks County Pennsylvania | 4 | $ 330,000 | $ 82,000 | $ 78,000 |
| Nicholas County West Virginia | 4 | $ 360,000 | $ 90,000 | $ 43,000 |
| Weld County Colorado | 3 | $ 275,000 | $ 91,000 | $ 66,000 |
| New Castle County Delaware | 3 | $ 145,000 | $ 48,000 | $ 62,000 |
| Monroe County Michigan | 3 | $ 145,000 | $ 48,000 | $ 53,000 |
| Ottawa County Michigan | 3 | $ 115,000 | $ 38,000 | $ 58,000 |
| St. Clair County Michigan | 3 | $ 535,000 | $ 178,000 | $ 65,000 |
| Dakota County Minnesota | 3 | $ 165,000 | $ 55,000 | $ 65,000 |
| Middlesex County New Jersey | 3 | $ 195,000 | $ 65,000 | $ 89,000 |
| Onondaga County New York | 3 | $ 125,000 | $ 41,000 | $ 59,000 |
| Saratoga County New York | 3 | $ 245,000 | $ 81,000 | $ 67,000 |
| Licking County Ohio | 3 | $ 285,000 | $ 95,000 | $ 37,000 |
| Wood County Ohio | 3 | $ 115,000 | $ 38,000 | $ 56,000 |
| Erie County Pennsylvania | 3 | $ 175,000 | $ 58,000 | $ 74,000 |
| Lehigh County Pennsylvania | 3 | $ 225,000 | $ 75,000 | $ 73,000 |
| Montgomery County Pennsylvania | 3 | $ 135,000 | $ 45,000 | $ 61,000 |
| Lincoln County West Virginia | 3 | $ 305,000 | $ 101,000 | $ 93,000 |
| Wayne County West Virginia | 3 | $ 425,000 | $ 141,000 | $ 101,000 |
| Wyoming County West Virginia | 3 | $ 155,000 | $ 51,000 | $ 59,000 |
| Maricopa County Arizona | 2 | $ 180,000 | $ 90,000 | $ 74,000 |
| Windham County Connecticut | 2 | $ 70,000 | $ 35,000 | $ 59,000 |
| Duval County Florida | 2 | $ 120,000 | $ 60,000 | $ 75,000 |
| Kankakee County Illinois | 2 | $ 50,000 | $ 25,000 | $ 60,000 |
| Polk County Iowa | 2 | $ 90,000 | $ 45,000 | $ 70,000 |
| Genesee County Michigan | 2 | $ 130,000 | $ 65,000 | $ 52,000 |
| Jackson County Michigan | 2 | $ 90,000 | $ 45,000 | $ 47,000 |
| Kalamazoo County Michigan | 2 | $ 150,000 | $ 75,000 | $ 41,000 |
| Washtenaw County Michigan | 2 | $ 110,000 | $ 55,000 | $ 56,000 |
| Lincoln County Missouri | 2 | $ 80,000 | $ 40,000 | $ 51,000 |
| Newton County Missouri | 2 | $ 140,000 | $ 70,000 | $ 54,000 |
| Dutchess County New York | 2 | $ 220,000 | $ 110,000 | $ 147,000 |
| Jefferson County New York | 2 | $ 60,000 | $ 30,000 | $ 35,000 |
| Ontario County New York | 2 | $ 100,000 | $ 50,000 | $ 56,000 |
| Montgomery County Ohio | 2 | $ 110,000 | $ 55,000 | $ 56,000 |
| Minnehaha County South Dakota | 2 | $ 30,000 | $ 15,000 | $ 46,000 |
| Bexar County Texas | 2 | $ 110,000 | $ 55,000 | $ 30,000 |
| Harris County Texas | 2 | $ 90,000 | $ 45,000 | $ 48,000 |
| Lee County Virginia | 2 | $ 190,000 | $ 95,000 | $ 84,000 |
| Boone County West Virginia | 2 | $ 190,000 | $ 95,000 | $ 45,000 |
| Cabell County West Virginia | 2 | $ 280,000 | $ 140,000 | $ 87,000 |
| Jackson County West Virginia | 2 | $ 220,000 | $ 110,000 | $ 41,000 |
| Mercer County West Virginia | 2 | $ 310,000 | $ 155,000 | $ 59,000 |
| Arapahoe County Colorado | 1 | $ 55,000 | $ 55,000 | $ 44,000 |
| Bent County Colorado | 1 | $ 125,000 | $ 125,000 | $ 110,000 |
| Garfield County Colorado | 1 | $ 135,000 | $ 135,000 | $ 44,000 |
| Huerfano County Colorado | 1 | $ 85,000 | $ 85,000 | $ 90,000 |
| Summit County Colorado | 1 | $ 95,000 | $ 95,000 | $ 72,000 |
| Citrus County Florida | 1 | $ 55,000 | $ 55,000 | $ 135,000 |
| Lake County Florida | 1 | $ 115,000 | $ 115,000 | $ 50,000 |
| Miami-Dade County Florida | 1 | $ 85,000 | $ 85,000 | $ 91,000 |
| Pasco County Florida | 1 | $ 105,000 | $ 105,000 | $ 133,000 |
| Cobb County Georgia | 1 | $ 45,000 | $ 45,000 | $ 84,000 |
| Douglas County Georgia | 1 | $ 75,000 | $ 75,000 | $ 64,000 |
| Bingham County Idaho | 1 | $ 65,000 | $ 65,000 | $ 49,000 |
| Payette County Idaho | 1 | $ 65,000 | $ 65,000 | $ 43,000 |
| Cook County Illinois | 1 | $ 35,000 | $ 35,000 | $ 62,000 |
| Macon County Illinois | 1 | $ 25,000 | $ 25,000 | $ 38,000 |
| St. Clair County Illinois | 1 | $ 35,000 | $ 35,000 | $ 61,000 |
| Allen County Indiana | 1 | $ 35,000 | $ 35,000 | $ 52,000 |
| Elkhart County Indiana | 1 | $ 65,000 | $ 65,000 | $ 113,000 |
| Monroe County Indiana | 1 | $ 35,000 | $ 35,000 | $ 51,000 |
| Wells County Indiana | 1 | $ 35,000 | $ 35,000 | $ 48,000 |
| Jackson County Iowa | 1 | $ 25,000 | $ 25,000 | $ 66,000 |
| Linn County Iowa | 1 | $ 55,000 | $ 55,000 | $ 40,000 |
| Marion County Iowa | 1 | $ 85,000 | $ 85,000 | $ 69,000 |
| Story County Iowa | 1 | $ 35,000 | $ 35,000 | $ 73,000 |
| Warren County Iowa | 1 | $ 65,000 | $ 65,000 | $ 36,000 |
| Sedgwick County Kansas | 1 | $ 25,000 | $ 25,000 | $ 44,000 |
| Ballard County Kentucky | 1 | $ 145,000 | $ 145,000 | $ 53,000 |
| Calloway County Kentucky | 1 | $ 155,000 | $ 155,000 | $ 56,000 |
| McCracken County Kentucky | 1 | $ 75,000 | $ 75,000 | $ 37,000 |
| Baltimore County Maryland | 1 | $ 35,000 | $ 35,000 | $ 39,000 |
| Cecil County Maryland | 1 | $ 175,000 | $ 175,000 | $ 66,000 |
| Howard County Maryland | 1 | $ 85,000 | $ 85,000 | $ 64,000 |
| Allegan County Michigan | 1 | $ 55,000 | $ 55,000 | $ 35,000 |
| Grand Traverse County Michigan | 1 | $ 35,000 | $ 35,000 | $ 65,000 |
| Ingham County Michigan | 1 | $ 45,000 | $ 45,000 | $ 44,000 |
| Ionia County Michigan | 1 | $ 25,000 | $ 25,000 | $ 54,000 |
| Lenawee County Michigan | 1 | $ 45,000 | $ 45,000 | $ 46,000 |
| Marquette County Michigan | 1 | $ 25,000 | $ 25,000 | $ 34,000 |
| Muskegon County Michigan | 1 | $ 75,000 | $ 75,000 | $ 52,000 |
| Oakland County Michigan | 1 | $ 45,000 | $ 45,000 | $ 50,000 |
| Sanilac County Michigan | 1 | $ 55,000 | $ 55,000 | $ 50,000 |
| Shiawassee County Michigan | 1 | $ 55,000 | $ 55,000 | $ 43,000 |
| Chisago County Minnesota | 1 | $ 45,000 | $ 45,000 | $ 33,000 |
| St. Louis County Minnesota | 1 | $ 35,000 | $ 35,000 | $ 34,000 |
| Washington County Minnesota | 1 | $ 55,000 | $ 55,000 | $ 70,000 |
| Wright County Minnesota | 1 | $ 45,000 | $ 45,000 | $ 36,000 |
| Barry County Missouri | 1 | $ 165,000 | $ 165,000 | $ 81,000 |
| Cape Girardeau County Missouri | 1 | $ 75,000 | $ 75,000 | $ 70,000 |
| Cass County Missouri | 1 | $ 35,000 | $ 35,000 | $ 37,000 |
| Hickory County Missouri | 1 | $ 145,000 | $ 145,000 | $ 125,000 |
| Jefferson County Missouri | 1 | $ 75,000 | $ 75,000 | $ 109,000 |
| Scott County Missouri | 1 | $ 45,000 | $ 45,000 | $ 52,000 |
| Stone County Missouri | 1 | $ 175,000 | $ 175,000 | $ 141,000 |
| Warren County Missouri | 1 | $ 45,000 | $ 45,000 | $ 19,000 |
| Cherry County Nebraska | 1 | $ 135,000 | $ 135,000 | $ 99,000 |
| Atlantic County New Jersey | 1 | $ 25,000 | $ 25,000 | $ 23,000 |
| Burlington County New Jersey | 1 | $ 55,000 | $ 55,000 | $ 49,000 |
| Camden County New Jersey | 1 | $ 165,000 | $ 165,000 | $ 86,000 |
| Cumberland County New Jersey | 1 | $ 125,000 | $ 125,000 | $ 61,000 |
| Gloucester County New Jersey | 1 | $ 65,000 | $ 65,000 | $ 45,000 |
| Monmouth County New Jersey | 1 | $ 105,000 | $ 105,000 | $ 77,000 |
| Ocean County New Jersey | 1 | $ 55,000 | $ 55,000 | $ 75,000 |
| Warren County New Jersey | 1 | $ 35,000 | $ 35,000 | $ 21,000 |
| Cattaraugus County New York | 1 | $ 55,000 | $ 55,000 | $ 44,000 |
| Clinton County New York | 1 | $ 65,000 | $ 65,000 | $ 78,000 |
| Erie County New York | 1 | $ 65,000 | $ 65,000 | $ 59,000 |
| Niagara County New York | 1 | $ 25,000 | $ 25,000 | $ 35,000 |
| Orange County New York | 1 | $ 115,000 | $ 115,000 | $ 120,000 |
| Rensselaer County New York | 1 | $ 55,000 | $ 55,000 | $ 44,000 |
| Ulster County New York | 1 | $ 85,000 | $ 85,000 | $ 45,000 |
| Cass County North Dakota | 1 | $ 55,000 | $ 55,000 | $ 60,000 |
| Cuyahoga County Ohio | 1 | $ 55,000 | $ 55,000 | $ 48,000 |
| Franklin County Ohio | 1 | $ 55,000 | $ 55,000 | $ 77,000 |
| Lawrence County Ohio | 1 | $ 125,000 | $ 125,000 | $ 40,000 |
| Lucas County Ohio | 1 | $ 45,000 | $ 45,000 | $ 54,000 |
| Muskingum County Ohio | 1 | $ 55,000 | $ 55,000 | $ 38,000 |
| Cleveland County Oklahoma | 1 | $ 55,000 | $ 55,000 | $ 57,000 |
| Allegheny County Pennsylvania | 1 | $ 25,000 | $ 25,000 | $ 36,000 |
| Armstrong County Pennsylvania | 1 | $ 45,000 | $ 45,000 | $ 41,000 |
| Chester County Pennsylvania | 1 | $ 45,000 | $ 45,000 | $ 43,000 |
| Franklin County Pennsylvania | 1 | $ 115,000 | $ 115,000 | $ 67,000 |
| Lancaster County Pennsylvania | 1 | $ 65,000 | $ 65,000 | $ 42,000 |
| Schuylkill County Pennsylvania | 1 | $ 95,000 | $ 95,000 | $ 54,000 |
| York County Pennsylvania | 1 | $ 45,000 | $ 45,000 | $ 47,000 |
| Pennington County South Dakota | 1 | $ 105,000 | $ 105,000 | $ 119,000 |
| Montgomery County Tennessee | 1 | $ 45,000 | $ 45,000 | $ 44,000 |
| Dallas County Texas | 1 | $ 25,000 | $ 25,000 | $ 73,000 |
| Hays County Texas | 1 | $ 85,000 | $ 85,000 | $ 59,000 |
| Tooele County Utah | 1 | $ 55,000 | $ 55,000 | $ 65,000 |
| Smyth County Virginia | 1 | $ 45,000 | $ 45,000 | $ 45,000 |
| Mingo County West Virginia | 1 | $ 155,000 | $ 155,000 | $ 78,000 |
| Monongalia County West Virginia | 1 | $ 165,000 | $ 165,000 | $ 173,000 |
| Wood County West Virginia | 1 | $ 75,000 | $ 75,000 | $ 84,000 |
| Chippewa County Wisconsin | 1 | $ 25,000 | $ 25,000 | $ 30,000 |
| Dane County Wisconsin | 1 | $ 45,000 | $ 45,000 | $ 101,000 |
| Dunn County Wisconsin | 1 | $ 35,000 | $ 35,000 | $ 41,000 |
| Iowa County Wisconsin | 1 | $ 35,000 | $ 35,000 | $ 63,000 |
| Marathon County Wisconsin | 1 | $ 75,000 | $ 75,000 | $ 39,000 |
| Outagamie County Wisconsin | 1 | $ 85,000 | $ 85,000 | $ 59,000 |
| Portage County Wisconsin | 1 | $ 55,000 | $ 55,000 | $ 35,000 |
| Racine County Wisconsin | 1 | $ 75,000 | $ 75,000 | $ 62,000 |
| Rock County Wisconsin | 1 | $ 35,000 | $ 35,000 | $ 48,000 |
| Sheboygan County Wisconsin | 1 | $ 45,000 | $ 45,000 | $ 94,000 |
| St. Croix County Wisconsin | 1 | $ 85,000 | $ 85,000 | $ 73,000 |
| Winnebago County Wisconsin | 1 | $ 45,000 | $ 45,000 | $ 55,000 |
Mortgage Loan Application Detail Totals for Star Usa Federal Credit Union in 2021
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 | 237 | $16,425,000 | $69,000 | $425,000 | $65,000 | $222,000 |
| Refinancing | 50 | $6,660,000 | $133,000 | $345,000 | $102,000 | $432,000 |
| Cash-out Refinancing | 28 | $3,410,000 | $121,000 | $365,000 | $84,000 | $253,000 |
| 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 | 253 | $22,355,000 | $88,000 | $425,000 | $72,000 | $432,000 |
| Hispanic | 29 | $1,985,000 | $68,000 | $145,000 | $68,000 | $222,000 |
| Not Provided | 23 | $1,465,000 | $63,000 | $175,000 | $75,000 | $180,000 |
| Black or African American | 8 | $530,000 | $66,000 | $145,000 | $83,000 | $141,000 |
| American Indian or Alaskan Native | 2 | $160,000 | $80,000 | $125,000 | $99,000 | $110,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 315 | $26,495,000 | $84,000 | $425,000 | $72,000 | $432,000 |
| 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 | 140 | $13,780,000 | $98,000 | $365,000 | $81,000 | $432,000 |
| Application Approved But Not Accepted | 136 | $8,950,000 | $65,000 | $185,000 | $64,000 | $222,000 |
| Application Denied By Financial Institution | 39 | $3,765,000 | $96,000 | $425,000 | $69,000 | $141,000 |
| 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 | 276 | $22,730,000 | $82,000 | $365,000 | $73,000 | $432,000 |
| Credit History | 17 | $1,675,000 | $98,000 | $425,000 | $67,000 | $120,000 |
| Debt-To-Income Ratio | 10 | $930,000 | $93,000 | $235,000 | $61,000 | $101,000 |
| Employment History | 7 | $675,000 | $96,000 | $195,000 | $78,000 | $141,000 |
| Collateral | 3 | $265,000 | $88,000 | $95,000 | $85,000 | $110,000 |
| Other | 1 | $35,000 | $35,000 | $35,000 | $81,000 | $81,000 |
| Unverifiable Information | 1 | $185,000 | $185,000 | $185,000 | $60,000 | $60,000 |
| 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 2021 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.