Star One Credit Union Mortgage Rates, Fees & Info

Sunnyvale, CA

LEI: 5493004F7BXDIUFVPV87

Tax ID: 94-6069237

5 stars - out of 5 stars, based on 56 reviews

Latest/2021 | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

  • SimulatedRates™
  • Review & Overview

    Star One Credit Union is a small credit union specializing in Refi, Home Purchase, and Cash Out Refi loans. Star One Credit Union has a high proportion of conventional loans. Their top markets by origination volume include: San Jose, San Francisco, Sacramento, Santa Cruz, and Stockton among others. We have data for 140 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Star One Credit Union has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Star One Credit Union is typically an average fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.


    SimulatedRates™

    Mortgage Type
    Simulated Rate Simulation Date
    Home Equity Line of Credit (HELOC) 6.69% 10/3/22
    30 Year Conventional Purchase 6.29% 10/3/22
    30 Year Conventional Refi 6.32% 10/3/22
    30 Year Cash-out Refi 6.30% 10/3/22
    15 Year Conventional Purchase 6.05% 10/3/22
    15 Year Conventional Refi 5.97% 10/3/22
    15 Year Cash-out Refi 5.97% 10/3/22
    These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.


    Originations

    3,118

    Origination Dollar Volume (All Markets)

    $1,363,690,000
    Show all (16) awards

    Relative Rate

    Star One Credit Union's average 30 year fixed mortgage rate was 2.93%.

    The 2021 average 30 year fixed rate mortgage across all markets and lenders was 3.15%.

    This yields a difference of -0.22%.

    Relative Fees (Closing Costs)

    Star One Credit Union's average total fees/closing costs for a 30 year fixed rate mortgage were $3,855.

    The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including both points & up-front fees in addition to origination fees) were $4,750.

    Top Markets

    Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

    Market Originations Total Value Average Loan Average Fees Average Rate
    SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 1,532 $714,480,000 $466,371 $2,567 2.91%
    San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 620 $326,640,000 $526,839 $3,813 2.86%
    SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 111 $35,335,000 $318,333 $2,104 2.86%
    SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 87 $33,085,000 $380,287 $3,601 2.88%
    STOCKTON, CA (FHA|USDA|VA) 84 $24,710,000 $294,167 $2,362 2.97%
    Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 46 $22,700,000 $493,478 $3,453 2.88%
    SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 35 $17,415,000 $497,571 $3,162 2.91%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 33 $15,025,000 $455,303 $3,436 2.72%
    RENO, NV (FHA|USDA|VA) 23 $10,755,000 $467,609 $3,783 2.91%
    SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 26 $9,390,000 $361,154 $2,207 3.07%
    Outside of Metro Areas 30 $8,320,000 $277,333 $2,164 2.90%
    SALINAS, CA (FHA|USDA|VA) 22 $7,870,000 $357,727 $3,174 2.78%
    MODESTO, CA (FHA|USDA|VA) 25 $7,545,000 $301,800 $1,773 2.79%
    BOISE CITY, ID (FHA|USDA|VA) 14 $6,670,000 $476,429 $3,769 2.73%
    FRESNO, CA (FHA|USDA|VA) 23 $6,085,000 $264,565 $2,043 3.04%
    NAPA, CA (FHA|USDA|VA) 8 $6,040,000 $755,000 $3,072 3.00%
    AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 13 $5,995,000 $461,154 $4,051 2.81%
    Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 15 $5,585,000 $372,333 $3,163 2.68%
    PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 14 $4,280,000 $305,714 $2,725 2.86%
    LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 17 $4,255,000 $250,294 $2,144 2.89%
    RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 20 $4,210,000 $210,500 $1,887 2.84%
    SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 11 $3,875,000 $352,273 $1,482 3.01%
    VALLEJO, CA (FHA|USDA|VA) 13 $3,775,000 $290,385 $2,081 3.05%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 15 $3,315,000 $221,000 $2,099 2.88%
    Truckee-Grass Valley, CA (FHA|USDA|VA) 8 $3,210,000 $401,250 $2,660 2.86%
    Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 7 $2,565,000 $366,429 $3,615 2.48%
    SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 10 $2,250,000 $225,000 $1,722 2.96%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 6 $2,140,000 $356,667 $3,257 3.00%
    OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 6 $2,040,000 $340,000 $2,272 3.13%
    MERCED, CA (FHA|USDA|VA) 11 $2,015,000 $183,182 $2,262 2.97%
    TUCSON, AZ (FHA|USDA|VA) 8 $1,940,000 $242,500 $2,110 2.70%
    NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN (FHA|USDA|VA) 4 $1,870,000 $467,500 $2,109 2.94%
    Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 5 $1,825,000 $365,000 $2,390 2.95%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 4 $1,760,000 $440,000 $3,670 2.94%
    Sonora, CA (FHA|USDA|VA) 6 $1,700,000 $283,333 $3,651 2.60%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 5 $1,625,000 $325,000 $3,532 2.95%
    BOULDER, CO (FHA|USDA|VA) 4 $1,530,000 $382,500 $3,457 2.97%
    Eureka-Arcata, CA (FHA|USDA|VA) 4 $1,530,000 $382,500 $1,713 2.97%
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 8 $1,490,000 $186,250 $1,514 2.55%
    ALBUQUERQUE, NM (FHA|USDA|VA) 7 $1,425,000 $203,571 $2,703 2.52%
    HUNTSVILLE, AL (FHA|USDA|VA) 6 $1,350,000 $225,000 $2,259 3.06%
    URBAN HONOLULU, HI (FHA|USDA|VA) 2 $1,280,000 $640,000 $5,535 2.81%
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 5 $1,175,000 $235,000 $2,225 2.70%
    MEMPHIS, TN-MS-AR (FHA|USDA|VA) 4 $1,110,000 $277,500 $1,597 2.56%
    BEND, OR (FHA|USDA|VA) 3 $1,105,000 $368,333 $2,992 2.92%
    SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 4 $1,090,000 $272,500 $3,638 2.91%
    OKLAHOMA CITY, OK (FHA|USDA|VA) 6 $1,030,000 $171,667 $2,961 3.52%
    Gardnerville Ranchos, NV (FHA|USDA|VA) 2 $1,030,000 $515,000 $3,609 2.94%
    PITTSBURGH, PA (FHA|USDA|VA) 2 $980,000 $490,000 $4,883 2.69%
    Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 2 $950,000 $475,000 $5,206 2.75%
    BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 2 $880,000 $440,000 $2,759 2.88%
    PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 3 $865,000 $288,333 $4,516 2.75%
    WACO, TX (FHA|USDA|VA) 1 $865,000 $865,000 $6,476 3.00%
    New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 2 $860,000 $430,000 $3,403 2.63%
    BAKERSFIELD, CA (FHA|USDA|VA) 3 $835,000 $278,333 $1,914 2.50%
    RALEIGH-CARY, NC (FHA|USDA|VA) 3 $835,000 $278,333 $2,585 2.96%
    Port Angeles, WA (FHA|USDA|VA) 1 $805,000 $805,000 $0 2.25%
    BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 4 $780,000 $195,000 $1,647 2.66%
    YUBA CITY, CA (FHA|USDA|VA) 4 $780,000 $195,000 $2,349 3.03%
    GREELEY, CO (FHA|USDA|VA) 1 $755,000 $755,000 $0 1.75%
    INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 1 $755,000 $755,000 $2,631 2.63%
    NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 1 $755,000 $755,000 $0 2.13%
    JACKSONVILLE, FL (FHA|USDA|VA) 3 $745,000 $248,333 $1,846 2.63%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 3 $685,000 $228,333 $1,961 2.83%
    Hilo, HI (FHA|USDA|VA) 1 $685,000 $685,000 $3,389 3.88%
    SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 1 $675,000 $675,000 $0 2.00%
    COLORADO SPRINGS, CO (FHA|USDA|VA) 2 $640,000 $320,000 $1,777 2.56%
    SALEM, OR (FHA|USDA|VA) 1 $615,000 $615,000 $5,374 3.13%
    CHICO, CA (FHA|USDA|VA) 5 $605,000 $121,000 $1,950 2.75%
    CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 3 $585,000 $195,000 $2,468 2.88%
    MADERA, CA (FHA|USDA|VA) 3 $565,000 $188,333 $881 2.33%
    BELLINGHAM, WA (FHA|USDA|VA) 2 $550,000 $275,000 $1,559 2.50%
    Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 8 $530,000 $66,250 $2,355 3.25%
    ANN ARBOR, MI (FHA|USDA|VA) 1 $505,000 $505,000 $2,033 3.25%
    VISALIA, CA (FHA|USDA|VA) 2 $500,000 $250,000 $2,491 2.81%
    BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 1 $475,000 $475,000 $2,051 2.50%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 2 $470,000 $235,000 $2,055 2.56%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 2 $460,000 $230,000 $2,753 2.50%
    LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 3 $455,000 $151,667 $2,507 3.63%
    CARSON CITY, NV (FHA|USDA|VA) 2 $450,000 $225,000 $2,398 3.25%
    Breckenridge, CO (FHA|USDA|VA) 1 $425,000 $425,000 $2,118 3.63%
    Jackson, WY-ID (FHA|USDA|VA) 1 $415,000 $415,000 $3,488 3.13%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 1 $415,000 $415,000 $4,543 2.88%
    PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 2 $410,000 $205,000 $0 2.19%
    FLAGSTAFF, AZ (FHA|USDA|VA) 1 $405,000 $405,000 $0 2.00%
    Bozeman, MT (FHA|USDA|VA) 2 $400,000 $200,000 $3,073 2.81%
    CHAMPAIGN-URBANA, IL (FHA|USDA|VA) 2 $400,000 $200,000 $1,817 3.06%
    ST. LOUIS, MO-IL (FHA|USDA|VA) 4 $400,000 $100,000 $1,712 2.97%
    CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 1 $385,000 $385,000 $2,871 2.75%
    Kapaa, HI (FHA|USDA|VA) 1 $375,000 $375,000 $0 2.13%
    AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 3 $375,000 $125,000 $2,645 3.50%
    Outside of Metro Areas 1 $355,000 $355,000 $3,961 2.63%
    WORCESTER, MA-CT (FHA|USDA|VA) 1 $355,000 $355,000 $2,944 2.88%
    PUNTA GORDA, FL (FHA|USDA|VA) 1 $355,000 $355,000 $5,182 2.75%
    LAS CRUCES, NM (FHA|USDA|VA) 2 $350,000 $175,000 $3,011 2.56%
    DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 1 $345,000 $345,000 $2,482 2.63%
    Dickinson, ND (FHA|USDA|VA) 1 $335,000 $335,000 $8,272 2.38%
    St. Marys, GA (FHA|USDA|VA) 1 $325,000 $325,000 $3,773 2.75%
    Hailey, ID (FHA|USDA|VA) 1 $315,000 $315,000 $4,294 2.88%
    DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 1 $305,000 $305,000 $2,521 2.63%
    SIOUX FALLS, SD (FHA|USDA|VA) 1 $305,000 $305,000 $2,154 2.38%
    PANAMA CITY, FL (FHA|USDA|VA) 1 $295,000 $295,000 $2,575 2.38%
    Fallon, NV (FHA|USDA|VA) 1 $285,000 $285,000 $2,634 3.63%
    OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 1 $285,000 $285,000 $2,275 2.50%
    SPRINGFIELD, MO (FHA|USDA|VA) 2 $280,000 $140,000 $1,517 3.13%
    LANSING-EAST LANSING, MI (FHA|USDA|VA) 1 $265,000 $265,000 $2,042 2.88%
    COLUMBUS, OH (FHA|USDA|VA) 2 $240,000 $120,000 $1,905 3.00%
    CINCINNATI, OH-KY-IN (FHA|USDA|VA) 1 $235,000 $235,000 $2,458 2.88%
    REDDING, CA (FHA|USDA|VA) 1 $235,000 $235,000 $2,799 3.63%
    Sandpoint, ID (FHA|USDA|VA) 1 $215,000 $215,000 $0 2.13%
    Newport, OR (FHA|USDA|VA) 1 $215,000 $215,000 $2,969 3.63%
    Hood River, OR (FHA|USDA|VA) 1 $215,000 $215,000 $0 2.13%
    MEDFORD, OR (FHA|USDA|VA) 1 $205,000 $205,000 $2,834 2.88%
    CASPER, WY (FHA|USDA|VA) 1 $205,000 $205,000 $1,834 2.25%
    FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 1 $205,000 $205,000 $2,236 2.63%
    SALT LAKE CITY, UT (FHA|USDA|VA) 1 $195,000 $195,000 $1,780 2.88%
    Pahrump, NV (FHA|USDA|VA) 1 $195,000 $195,000 $0 2.25%
    Fernley, NV (FHA|USDA|VA) 1 $175,000 $175,000 $2,301 3.00%
    ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) 1 $175,000 $175,000 $5,407 2.25%
    Shelton, WA (FHA|USDA|VA) 1 $165,000 $165,000 $5,510 2.38%
    MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 1 $155,000 $155,000 $525 2.13%
    Sevierville, TN (FHA|USDA|VA) 1 $155,000 $155,000 $0 2.13%
    GRANTS PASS, OR (FHA|USDA|VA) 1 $155,000 $155,000 $2,832 3.00%
    SAVANNAH, GA (FHA|USDA|VA) 1 $155,000 $155,000 $2,569 2.75%
    SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 1 $155,000 $155,000 $2,164 3.50%
    ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 1 $145,000 $145,000 $0 2.25%
    Kalispell, MT (FHA|USDA|VA) 1 $145,000 $145,000 $2,908 3.25%
    TULSA, OK (FHA|USDA|VA) 1 $145,000 $145,000 $3,527 3.38%
    CHARLOTTESVILLE, VA (FHA|USDA|VA) 1 $135,000 $135,000 $2,126 2.88%
    DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 1 $125,000 $125,000 $1,831 2.75%
    CLARKSVILLE, TN-KY (FHA|USDA|VA) 1 $125,000 $125,000 $0 2.13%
    FAYETTEVILLE, NC (FHA|USDA|VA) 1 $125,000 $125,000 $4,859 2.13%
    CHATTANOOGA, TN-GA (FHA|USDA|VA) 1 $105,000 $105,000 $4,297 3.13%
    EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 1 $105,000 $105,000 $2,369 2.38%
    JACKSON, MS (FHA|USDA|VA) 1 $95,000 $95,000 $0 2.00%
    Enterprise, AL (FHA|USDA|VA) 1 $95,000 $95,000 $1,329 2.63%
    HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 1 $65,000 $65,000 $2,103 2.38%
    CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 1 $55,000 $55,000 $2,501 3.38%
    PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 1 $45,000 $45,000 $2,013 3.13%
    MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 1 $35,000 $35,000 $0 2.25%

    Star One Credit Union's top markets include San Jose, San Francisco, Sacramento, Santa Cruz, and Stockton among others.

    Similar Lenders

    We use machine learning to identify the top lenders compared against STAR ONE CREDIT UNION based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    Monterey Credit Union
    Similarity Rank: 63
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 2,111 $1,108,075,000 $524,905 $2,836 2.72%
    HELOC 1,007 $255,615,000 $253,838 n/a 3.25%

    For 2021, Star One Credit Union's most frequently originated type of loan was Conventional, with 2,111 originations. Their 2nd most popular type was HELOC, with 1,007 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 829 $354,815,000 $428,004 $2,361 2.70%
    Home Improvement 741 $208,665,000 $281,599 $1,687 3.16%
    Home Purchase 523 $293,695,000 $561,558 $4,177 2.89%
    Cash Out Refi 522 $335,890,000 $643,467 $3,159 2.61%
    Other 503 $170,625,000 $339,215 $2,172 3.09%

    For 2021, Star One Credit Union's most frequently cited loan purpose was Refi, with 829 originations. The 2nd most popular reason was Home Improvement, with 741 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 1,106 $708,910,000 $640,967 $3,855 2.93%
    Other 1,008 $255,690,000 $253,661 $0 3.25%
    10 Year 358 $101,450,000 $283,380 $236 2.20%
    15 Year 350 $140,920,000 $402,629 $2,240 2.65%
    20 Year 296 $156,720,000 $529,459 $2,835 2.63%

    For 2021, Star One Credit Union's most frequently cited loan duration was 30 Year, with 1,106 originations. The 2nd most popular length was Other, with 1,008 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 2,011 $1,042,275,000 $518,287
    $5k+ 69 $59,745,000 $865,870
    $3k-4k 9 $2,225,000 $247,222
    $1k-2k 8 $770,000 $96,250
    $2k-3k 7 $1,315,000 $187,857
    $4k-5k 6 $1,520,000 $253,333

    Star One Credit Union's average total fees were $3,855, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 2,011 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 1,333 $355,805,000 $266,920
    2.5-3% 987 $642,915,000 $651,383
    <2.5% 798 $364,970,000 $457,356

    During 2021, Star One Credit Union's average interest rate for loans was 2.93%, while their most frequently originated rate bucket for loans was 3-4%, with 1,333 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 1,131 $308,945,000 $273,161 $1,972 2.94%
    $100k-200k 535 $76,595,000 $143,168 $1,566 2.95%
    $600k-1MM 519 $395,165,000 $761,397 $3,649 2.78%
    $400k-600k 479 $234,645,000 $489,864 $2,723 2.79%
    $1MM+ 245 $334,825,000 $1,366,633 $6,056 2.72%
    $100,000 or less 209 $13,515,000 $64,665 $800 3.13%

    2021 saw Star One Credit Union place emphasis on $200k-400k loans with 1,131 originations, totaling $308,945,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $150k-250k 1,176 $490,130,000 $416,777 $2,747 2.92%
    $250k+ 919 $596,025,000 $648,558 $3,739 2.88%
    $100k-150k 600 $185,000,000 $308,333 $2,373 2.87%
    $75k-100k 196 $51,090,000 $260,663 $1,831 2.82%
    $50k-75k 151 $28,875,000 $191,225 $1,737 2.84%
    $50k or less 76 $12,570,000 $165,395 $2,166 2.91%

    Star One Credit Union lent most frequently to those with incomes in the $150k-250k range, with 1,176 originations. The second most popular income band? $250k+, with 919 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 784 $328,510,000 $419,018 $2,719 2.83%
    30-36% 622 $278,780,000 $448,199 $3,177 2.89%
    <20% 289 $94,275,000 $326,211 $1,938 2.71%
    42% 123 $68,965,000 $560,691 $2,865 2.89%
    36% 119 $61,705,000 $518,529 $4,205 2.88%
    39% 118 $54,520,000 $462,034 $2,954 2.95%
    38% 117 $50,805,000 $434,231 $2,621 3.02%
    37% 108 $53,380,000 $494,259 $2,512 2.97%
    40% 102 $55,490,000 $544,020 $3,001 2.90%
    43% 93 $48,855,000 $525,323 $3,662 2.95%
    45% 91 $36,395,000 $399,945 $3,138 3.02%
    44% 90 $42,490,000 $472,111 $4,752 2.97%
    41% 87 $37,995,000 $436,724 $2,281 2.98%
    49% 78 $29,260,000 $375,128 $2,286 3.01%
    48% 76 $30,350,000 $399,342 $2,340 2.96%
    50-60% 75 $27,745,000 $369,933 $1,947 2.99%
    47% 69 $28,625,000 $414,855 $2,290 2.96%
    46% 64 $27,030,000 $422,344 $2,313 3.00%
    >60% 8 $4,490,000 $561,250 $1,695 2.78%

    Star One Credit Union lent most frequently to those with DTI ratios of 20-30%, with 784 originations. The next most common DTI ratio? 30-36%, with 622 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,475 $610,325,000 $413,780 $2,858 2.88%
    Asian 672 $309,480,000 $460,536 $3,029 2.91%
    Not provided 663 $296,375,000 $447,021 $2,780 2.90%
    Asian Indian 110 $66,300,000 $602,727 $2,376 2.80%
    Black 51 $21,215,000 $415,980 $2,270 2.87%
    Chinese 34 $16,680,000 $490,588 $3,333 2.86%
    American Indian 31 $12,275,000 $395,968 $2,715 3.00%
    Filipino 29 $12,055,000 $415,690 $2,636 2.98%
    Other Asian 16 $6,970,000 $435,625 $1,909 2.84%
    Korean 10 $4,390,000 $439,000 $5,034 2.79%
    Vietnamese 11 $3,695,000 $335,909 $1,855 3.02%
    Native Hawaiian or Islander 9 $2,515,000 $279,444 $1,082 2.94%
    Japanese 4 $780,000 $195,000 $1,411 2.72%
    Other Pacific Islander 1 $375,000 $375,000 $2,101 2.50%
    Native Hawaiian 1 $205,000 $205,000 $2,106 2.50%
    Guamanian 1 $55,000 $55,000 $0 3.88%

    Approval Rates

    Total approvals of all applications
    86.32%

    Star One Credit Union has an average approval rate.

    Pick Rate

    Approvals leading to origination
    83.26%

    Star One Credit Union has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 3,118 $1,363,690,000 $437,360

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    3,118 $1,363,690,000 $437,360

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 789 $316,695,000 $401,388 $2,125 2.82%
    40-60% 517 $307,545,000 $594,865 $2,967 2.77%
    60-80% 518 $366,680,000 $707,876 $4,235 2.85%
    80-100% 178 $138,790,000 $779,719 $4,451 2.76%
    Under 20% 1,110 $231,390,000 $208,459 $1,026 3.04%

    Complaints

    Bank Name Product Issue 2021 CPFB Complaints % of Total Issues
    Stearns Ventures, LLC Conventional home mortgage Trouble during payment process 7 53.8%
    Stearns Ventures, LLC Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 2 15.4%
    Stearns Ventures, LLC Conventional home mortgage Struggling to pay mortgage 1 7.7%
    Stearns Ventures, LLC VA mortgage Trouble during payment process 1 7.7%
    Stearns Ventures, LLC Other type of mortgage Closing on a mortgage 1 7.7%
    Stearns Ventures, LLC VA mortgage Applying for a mortgage or refinancing an existing mortgage 1 7.7%