Star Usa Federal Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2023

Star Usa Federal Credit Union 2023 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 262
Total Mortgage Loan Application Amount $18,510,000
Average Mortgage Loan Application Amount $92,333
Highest Mortgage Loan Application Amount $255,000
Average Applicant Income $65,000
Highest Applicant Income $216,000

Explore comprehensive HMDA mortgage statistics and lending trends for 2023 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 2023 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 2023.

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