Star USA Federal Credit Union Mortgage Lending & HMDA Data, 2023

In 2023, Star USA Federal Credit Union of Charleston, WV reported 262 mortgage applications totaling $18.5 million, down 45% from 2022. The average application was for $70,648, and applicants reported an average income of $65,335. 31% of its applications resulted in an originated loan and 10% were denied. Its largest markets were Minneapolis-St. Paul-Bloomington, MN-WI (15), Grand Rapids-Wyoming, MI (10) and Warren-Troy-Farmington Hills, MI (9) (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 262
Total Mortgage Loan Application Amount $18,510,000
Average Mortgage Loan Application Amount $70,648
Highest Mortgage Loan Application Amount $255,000
Average Applicant Income $65,335
Highest Applicant Income $216,000

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records Star USA Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.

Mortgage Loan Application Totals for Star USA Federal Credit Union by County in 2023

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Genesee, Michigan 7 $ 445,000 $ 63,571 $ 65,000
Ottawa, Michigan 7 $ 415,000 $ 59,285 $ 61,000
Elkhart, Indiana 5 $ 225,000 $ 45,000 $ 70,000
Livingston, Michigan 5 $ 185,000 $ 37,000 $ 106,000
Wright, Minnesota 5 $ 285,000 $ 57,000 $ 52,000
Kanawha, West Virginia 4 $ 600,000 $ 150,000 $ 84,000
Polk, Florida 3 $ 205,000 $ 68,333 $ 62,000
Seminole, Florida 3 $ 235,000 $ 78,333 $ 70,000
Sedgwick, Kansas 3 $ 65,000 $ 21,666 $ 33,000
Anne Arundel, Maryland 3 $ 275,000 $ 91,666 $ 83,000
Allegan, Michigan 3 $ 125,000 $ 41,666 $ 34,000
Kent, Michigan 3 $ 145,000 $ 48,333 $ 51,000
Wayne, Michigan 3 $ 155,000 $ 51,666 $ 59,000
Dakota, Minnesota 3 $ 245,000 $ 81,666 $ 53,000
Atlantic, New Jersey 3 $ 245,000 $ 81,666 $ 86,000
Monroe, New York 3 $ 215,000 $ 71,666 $ 45,000
Saratoga, New York 3 $ 245,000 $ 81,666 $ 77,000
Montgomery, Ohio 3 $ 165,000 $ 55,000 $ 75,000
Wood, Ohio 3 $ 95,000 $ 31,666 $ 44,000
Garfield, Colorado 2 $ 190,000 $ 95,000 $ 98,000
Weld, Colorado 2 $ 160,000 $ 80,000 $ 44,000
Ada, Idaho 2 $ 130,000 $ 65,000 $ 35,000
Canyon, Idaho 2 $ 160,000 $ 80,000 $ 45,000
Elmore, Idaho 2 $ 230,000 $ 115,000 $ 111,000
Kootenai, Idaho 2 $ 260,000 $ 130,000 $ 82,000
Black Hawk, Iowa 2 $ 60,000 $ 30,000 $ 42,000
Polk, Iowa 2 $ 90,000 $ 45,000 $ 46,000
Bullitt, Kentucky 2 $ 90,000 $ 45,000 $ 43,000
Calhoun, Michigan 2 $ 100,000 $ 50,000 $ 33,000
Lenawee, Michigan 2 $ 120,000 $ 60,000 $ 47,000
Macomb, Michigan 2 $ 170,000 $ 85,000 $ 98,000
Oakland, Michigan 2 $ 60,000 $ 30,000 $ 41,000
Sanilac, Michigan 2 $ 150,000 $ 75,000 $ 63,000
Chisago, Minnesota 2 $ 60,000 $ 30,000 $ 65,000
Washington, Minnesota 2 $ 90,000 $ 45,000 $ 63,000
Adams, Nebraska 2 $ 30,000 $ 15,000 $ 46,000
Erie, New York 2 $ 200,000 $ 100,000 $ 78,000
Onondaga, New York 2 $ 150,000 $ 75,000 $ 38,000
Cabarrus, North Carolina 2 $ 160,000 $ 80,000 $ 70,000
Henderson, North Carolina 2 $ 60,000 $ 30,000 $ 27,000
Bucks, Pennsylvania 2 $ 150,000 $ 75,000 $ 94,000
Cumberland, Pennsylvania 2 $ 200,000 $ 100,000 $ 87,000
Lehigh, Pennsylvania 2 $ 130,000 $ 65,000 $ 67,000
York, Pennsylvania 2 $ 260,000 $ 130,000 $ 81,000
Travis, Texas 2 $ 170,000 $ 85,000 $ 59,000
Monongalia, West Virginia 2 $ 80,000 $ 40,000 $ 44,000
Raleigh, West Virginia 2 $ 380,000 $ 190,000 $ 115,000
Elmore, Alabama 1 $ 95,000 $ 95,000 $ 34,000
Mohave, Arizona 1 $ 75,000 $ 75,000 $ 98,000
Adams, Colorado 1 $ 75,000 $ 75,000 $ 50,000
Arapahoe, Colorado 1 $ 95,000 $ 95,000 $ 96,000
Jefferson, Colorado 1 $ 65,000 $ 65,000 $ 90,000
Larimer, Colorado 1 $ 65,000 $ 65,000 $ 27,000
Mesa, Colorado 1 $ 65,000 $ 65,000 $ 89,000
Fairfield, Connecticut 1 $ 45,000 $ 45,000 $ 33,000
Kent, Delaware 1 $ 35,000 $ 35,000 $ 71,000
Alachua, Florida 1 $ 35,000 $ 35,000 $ 38,000
Osceola, Florida 1 $ 75,000 $ 75,000 $ 54,000
Sumter, Florida 1 $ 55,000 $ 55,000 $ 71,000
Volusia, Florida 1 $ 45,000 $ 45,000 $ 61,000
Twin Falls, Idaho 1 $ 65,000 $ 65,000 $ 60,000
Champaign, Illinois 1 $ 55,000 $ 55,000 $ 96,000
Cook, Illinois 1 $ 55,000 $ 55,000 $ 68,000
Kankakee, Illinois 1 $ 55,000 $ 55,000 $ 42,000
McLean, Illinois 1 $ 25,000 $ 25,000 $ 43,000
Ogle, Illinois 1 $ 35,000 $ 35,000 $ 48,000
Randolph, Illinois 1 $ 15,000 $ 15,000 $ 26,000
Tazewell, Illinois 1 $ 65,000 $ 65,000 $ 61,000
DeKalb, Indiana 1 $ 15,000 $ 15,000 $ 38,000
Grant, Indiana 1 $ 25,000 $ 25,000 $ 41,000
Johnson, Indiana 1 $ 55,000 $ 55,000 $ 52,000
Noble, Indiana 1 $ 85,000 $ 85,000 $ 46,000
Owen, Indiana 1 $ 65,000 $ 65,000 $ 49,000
Parke, Indiana 1 $ 115,000 $ 115,000 $ 77,000
Porter, Indiana 1 $ 35,000 $ 35,000 $ 37,000
Spencer, Indiana 1 $ 145,000 $ 145,000 $ 70,000
Steuben, Indiana 1 $ 35,000 $ 35,000 $ 84,000
Whitley, Indiana 1 $ 125,000 $ 125,000 $ 89,000
Buchanan, Iowa 1 $ 155,000 $ 155,000 $ 132,000
Dubuque, Iowa 1 $ 25,000 $ 25,000 $ 42,000
Grundy, Iowa 1 $ 15,000 $ 15,000 $ 19,000
Linn, Iowa 1 $ 65,000 $ 65,000 $ 81,000
Mahaska, Iowa 1 $ 35,000 $ 35,000 $ 99,000
Pottawattamie, Iowa 1 $ 35,000 $ 35,000 $ 57,000
Lyon, Kansas 1 $ 55,000 $ 55,000 $ 81,000
Miami, Kansas 1 $ 45,000 $ 45,000 $ 39,000
Montgomery, Kansas 1 $ 145,000 $ 145,000 $ 80,000
Stevens, Kansas 1 $ 65,000 $ 65,000 $ 52,000
Wyandotte, Kansas 1 $ 45,000 $ 45,000 $ 77,000
Harlan, Kentucky 1 $ 75,000 $ 75,000 $ 33,000
Knox, Kentucky 1 $ 85,000 $ 85,000 $ 28,000
Lawrence, Kentucky 1 $ 55,000 $ 55,000 $ 32,000
Leslie, Kentucky 1 $ 145,000 $ 145,000 $ 102,000
Letcher, Kentucky 1 $ 75,000 $ 75,000 $ 43,000
Marshall, Kentucky 1 $ 75,000 $ 75,000 $ 71,000
Meade, Kentucky 1 $ 125,000 $ 125,000 $ 132,000
Montgomery, Kentucky 1 $ 55,000 $ 55,000 $ 33,000
Ohio, Kentucky 1 $ 95,000 $ 95,000 $ 65,000
Perry, Kentucky 1 $ 95,000 $ 95,000 $ 59,000
Pike, Kentucky 1 $ 115,000 $ 115,000 $ 97,000
Pulaski, Kentucky 1 $ 155,000 $ 155,000 $ 83,000
Rockcastle, Kentucky 1 $ 135,000 $ 135,000 $ 112,000
Whitley, Kentucky 1 $ 75,000 $ 75,000 $ 56,000
Harford, Maryland 1 $ 45,000 $ 45,000 $ 56,000
Barry, Michigan 1 $ 35,000 $ 35,000 $ 29,000
Cass, Michigan 1 $ 85,000 $ 85,000 $ 82,000
Eaton, Michigan 1 $ 45,000 $ 45,000 $ 36,000
Grand Traverse, Michigan 1 $ 25,000 $ 25,000 $ 42,000
Ingham, Michigan 1 $ 95,000 $ 95,000 $ 61,000
Jackson, Michigan 1 $ 65,000 $ 65,000 $ 89,000
Monroe, Michigan 1 $ 35,000 $ 35,000 $ 46,000
Washtenaw, Michigan 1 $ 75,000 $ 75,000 $ 54,000
Wexford, Michigan 1 $ 35,000 $ 35,000 $ 47,000
Anoka, Minnesota 1 $ 35,000 $ 35,000 $ 48,000
Benton, Minnesota 1 $ 85,000 $ 85,000 $ 119,000
Dodge, Minnesota 1 $ 35,000 $ 35,000 $ 68,000
McLeod, Minnesota 1 $ 185,000 $ 185,000 $ 78,000
Olmsted, Minnesota 1 $ 55,000 $ 55,000 $ 51,000
Sherburne, Minnesota 1 $ 35,000 $ 35,000 $ 31,000
Callaway, Missouri 1 $ 55,000 $ 55,000 $ 28,000
Cape Girardeau, Missouri 1 $ 105,000 $ 105,000 $ 98,000
Clay, Missouri 1 $ 15,000 $ 15,000 $ 37,000
Greene, Missouri 1 $ 85,000 $ 85,000 $ 169,000
Jefferson, Missouri 1 $ 45,000 $ 45,000 $ 31,000
Scott, Missouri 1 $ 55,000 $ 55,000 $ 81,000
Lewis and Clark, Montana 1 $ 105,000 $ 105,000 $ 82,000
Douglas, Nebraska 1 $ 45,000 $ 45,000 $ 47,000
Cape May, New Jersey 1 $ 205,000 $ 205,000 $ 84,000
Middlesex, New Jersey 1 $ 155,000 $ 155,000 $ 85,000
Monmouth, New Jersey 1 $ 85,000 $ 85,000 $ 99,000
Greene, New York 1 $ 45,000 $ 45,000 $ 70,000
Niagara, New York 1 $ 75,000 $ 75,000 $ 62,000
Ontario, New York 1 $ 105,000 $ 105,000 $ 94,000
Orange, New York 1 $ 75,000 $ 75,000 $ 102,000
Rockland, New York 1 $ 85,000 $ 85,000 $ 69,000
Sullivan, New York 1 $ 95,000 $ 95,000 $ 145,000
Davidson, North Carolina 1 $ 25,000 $ 25,000 $ 29,000
Richland, North Dakota 1 $ 45,000 $ 45,000 $ 53,000
Stutsman, North Dakota 1 $ 65,000 $ 65,000 $ 41,000
Clermont, Ohio 1 $ 25,000 $ 25,000 $ 40,000
Jackson, Ohio 1 $ 75,000 $ 75,000 $ 44,000
Lawrence, Ohio 1 $ 145,000 $ 145,000 $ 84,000
Licking, Ohio 1 $ 95,000 $ 95,000 $ 80,000
Pike, Ohio 1 $ 85,000 $ 85,000 $ 84,000
Tuscarawas, Ohio 1 $ 95,000 $ 95,000 $ 48,000
Union, Ohio 1 $ 75,000 $ 75,000 $ 54,000
Adams, Pennsylvania 1 $ 45,000 $ 45,000 $ 41,000
Beaver, Pennsylvania 1 $ 55,000 $ 55,000 $ 72,000
Butler, Pennsylvania 1 $ 55,000 $ 55,000 $ 29,000
Chester, Pennsylvania 1 $ 75,000 $ 75,000 $ 55,000
Greene, Pennsylvania 1 $ 25,000 $ 25,000 $ 65,000
Lancaster, Pennsylvania 1 $ 65,000 $ 65,000 $ 52,000
Perry, Pennsylvania 1 $ 105,000 $ 105,000 $ 42,000
Pike, Pennsylvania 1 $ 65,000 $ 65,000 $ 87,000
Montgomery, Tennessee 1 $ 55,000 $ 55,000 $ 66,000
Brazoria, Texas 1 $ 145,000 $ 145,000 $ 123,000
Grand, Utah 1 $ 95,000 $ 95,000 $ 68,000
Prince George, Virginia 1 $ 55,000 $ 55,000 $ 43,000
Wythe, Virginia 1 $ 25,000 $ 25,000 $ 42,000
Boone, West Virginia 1 $ 135,000 $ 135,000 $ 90,000
Wayne, West Virginia 1 $ 165,000 $ 165,000 $ 83,000
Dunn, Wisconsin 1 $ 75,000 $ 75,000 $ 60,000
Eau Claire, Wisconsin 1 $ 35,000 $ 35,000 $ 74,000
Marathon, Wisconsin 1 $ 25,000 $ 25,000 $ 48,000
Portage, Wisconsin 1 $ 25,000 $ 25,000 $ 36,000
Racine, Wisconsin 1 $ 105,000 $ 105,000 $ 77,000
Sauk, Wisconsin 1 $ 35,000 $ 35,000 $ 109,000
St. Croix, Wisconsin 1 $ 95,000 $ 95,000 $ 43,000
Waupaca, Wisconsin 1 $ 35,000 $ 35,000 $ 112,000
Winnebago, Wisconsin 1 $ 95,000 $ 95,000 $ 62,000
Campbell, Wyoming 1 $ 25,000 $ 25,000 $ 54,000

Mortgage Loan Application Detail Totals for Star USA Federal Credit Union in 2023

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 251 $17,695,000 $70,000 $205,000 $66,000 $216,000
Refinancing 9 $515,000 $57,000 $205,000 $42,000 $89,000
Other Purpose 2 $300,000 $150,000 $255,000 $87,000 $121,000
Not Applicable 0 $0 $0 $0 $0 $0
Cash-out Refinancing 0 $0 $0 $0 $0 $0
Home Improvement 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 137 $10,665,000 $77,000 $255,000 $69,000 $216,000
Not Provided 86 $5,280,000 $61,000 $185,000 $61,000 $132,000
Hispanic 26 $1,800,000 $69,000 $145,000 $70,000 $131,000
American Indian or Alaskan Native 6 $400,000 $66,000 $145,000 $54,000 $108,000
Black or African American 4 $220,000 $55,000 $125,000 $62,000 $136,000
Asian 2 $130,000 $65,000 $85,000 $62,000 $84,000
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) 262 $18,510,000 $70,000 $255,000 $65,000 $216,000
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 155 $10,935,000 $70,000 $205,000 $65,000 $178,000
Loan Originated 80 $5,160,000 $64,000 $255,000 $65,000 $192,000
Application Denied By Financial Institution 27 $2,415,000 $89,000 $195,000 $67,000 $216,000
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 235 $16,095,000 $68,000 $255,000 $65,000 $192,000
Credit History 15 $1,375,000 $91,000 $195,000 $65,000 $125,000
Debt-To-Income Ratio 7 $485,000 $69,000 $125,000 $71,000 $216,000
Employment History 3 $315,000 $105,000 $145,000 $77,000 $134,000
Other 2 $240,000 $120,000 $145,000 $54,000 $60,000
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 2023 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