Star One Credit Union Mortgage Rates, Fees & Info
Sunnyvale, CALEI: 5493004F7BXDIUFVPV87
Tax ID: 94-6069237
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Mortgage Data
Review & Overview
Star One Credit Union is a smaller credit union specializing in Other and Home Purchase 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 Denver among others. We have data for 91 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 a low 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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| Home Equity Line of Credit (HELOC) | 5.66% | 11/22/24 |
| 30 Year Conventional Purchase | 6.04% | 11/22/24 |
| 30 Year Conventional Refi | 5.97% | 11/22/24 |
| 30 Year Cash-out Refi | 5.96% | 11/22/24 |
| 15 Year Conventional Purchase | 5.60% | 11/22/24 |
| 15 Year Conventional Refi | 5.76% | 11/22/24 |
| 15 Year Cash-out Refi | 5.76% | 11/22/24 |
| 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. | ||
Star One Credit Union Mortgage Calculator
Your Estimates
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This is not an official calculator from Star One Credit Union. It uses our SimulatedRate™
technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.
The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
1,641Origination Dollar Volume (All Markets)
$548,965,000Awards
STAR ONE CREDIT UNION - 2018
STAR ONE CREDIT UNION is a 2018 , due to their low .
For 2018, less than of lenders were eligible for this award.
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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) | 913 | $309,955,000 | $339,491 | $2,173 | 4.59% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 261 | $103,655,000 | $397,146 | $2,920 | 4.53% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 69 | $15,845,000 | $229,638 | $2,529 | 4.52% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 49 | $15,705,000 | $320,510 | $2,165 | 4.62% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 23 | $10,355,000 | $450,217 | $5,162 | 4.17% |
| STOCKTON, CA (FHA|USDA|VA) | 29 | $9,415,000 | $324,655 | $2,360 | 4.37% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 22 | $8,770,000 | $398,636 | $4,787 | 4.39% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 9 | $4,785,000 | $531,667 | $3,143 | 4.38% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 12 | $4,400,000 | $366,667 | $2,312 | 4.71% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 11 | $4,025,000 | $365,909 | $3,257 | 4.48% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 10 | $3,320,000 | $332,000 | $3,628 | 4.15% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 6 | $3,230,000 | $538,333 | $2,843 | 4.23% |
| RENO, NV (FHA|USDA|VA) | 10 | $3,170,000 | $317,000 | $2,979 | 4.54% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 11 | $3,145,000 | $285,909 | $2,730 | 4.61% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 9 | $3,105,000 | $345,000 | $2,789 | 4.40% |
| MODESTO, CA (FHA|USDA|VA) | 13 | $2,985,000 | $229,615 | $2,415 | 4.61% |
| Outside of Metro Areas | 16 | $2,720,000 | $170,000 | $2,343 | 4.38% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 7 | $2,505,000 | $357,857 | $3,293 | 4.20% |
| FRESNO, CA (FHA|USDA|VA) | 8 | $1,990,000 | $248,750 | $2,337 | 4.53% |
| CHICO, CA (FHA|USDA|VA) | 7 | $1,585,000 | $226,429 | $1,746 | 4.75% |
| BOULDER, CO (FHA|USDA|VA) | 3 | $1,515,000 | $505,000 | $2,270 | 4.08% |
| SALINAS, CA (FHA|USDA|VA) | 4 | $1,280,000 | $320,000 | $2,345 | 4.59% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 5 | $1,275,000 | $255,000 | $1,838 | 4.38% |
| Gardnerville Ranchos, NV (FHA|USDA|VA) | 4 | $1,270,000 | $317,500 | $2,597 | 4.13% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 2 | $1,080,000 | $540,000 | $2,788 | 4.13% |
| SANTA FE, NM (FHA|USDA|VA) | 1 | $1,005,000 | $1,005,000 | $6,139 | 3.50% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 2 | $980,000 | $490,000 | $5,351 | 3.88% |
| Hilo, HI (FHA|USDA|VA) | 2 | $970,000 | $485,000 | $2,643 | 4.38% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 6 | $950,000 | $158,333 | $2,852 | 4.25% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 4 | $940,000 | $235,000 | $3,989 | 4.56% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 4 | $930,000 | $232,500 | $2,790 | 3.69% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 2 | $890,000 | $445,000 | $2,504 | 3.56% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 3 | $865,000 | $288,333 | $1,820 | 4.46% |
| VALLEJO, CA (FHA|USDA|VA) | 3 | $835,000 | $278,333 | $2,678 | 4.50% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 3 | $825,000 | $275,000 | $1,436 | 4.46% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 1 | $795,000 | $795,000 | $3,380 | 3.88% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 2 | $780,000 | $390,000 | $1,584 | 4.25% |
| BOISE CITY, ID (FHA|USDA|VA) | 4 | $770,000 | $192,500 | $2,541 | 4.31% |
| NAPA, CA (FHA|USDA|VA) | 2 | $740,000 | $370,000 | $2,166 | 4.19% |
| MERCED, CA (FHA|USDA|VA) | 4 | $700,000 | $175,000 | $2,641 | 4.53% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 4 | $680,000 | $170,000 | $2,831 | 4.31% |
| MEDFORD, OR (FHA|USDA|VA) | 2 | $650,000 | $325,000 | $2,980 | 4.13% |
| CARSON CITY, NV (FHA|USDA|VA) | 2 | $610,000 | $305,000 | $2,509 | 3.69% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 2 | $600,000 | $300,000 | $2,488 | 4.25% |
| TUCSON, AZ (FHA|USDA|VA) | 2 | $560,000 | $280,000 | $2,610 | 4.19% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 1 | $545,000 | $545,000 | $4,651 | 3.50% |
| MADERA, CA (FHA|USDA|VA) | 3 | $545,000 | $181,667 | $2,339 | 4.08% |
| BEND, OR (FHA|USDA|VA) | 1 | $535,000 | $535,000 | $4,515 | 4.38% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 6 | $510,000 | $85,000 | $1,722 | 4.40% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 2 | $510,000 | $255,000 | $2,747 | 4.19% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 4 | $500,000 | $125,000 | $1,938 | 4.28% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $2,960 | 4.88% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 3 | $465,000 | $155,000 | $2,624 | 4.33% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 3 | $415,000 | $138,333 | $2,772 | 4.88% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $2,103 | 4.50% |
| Helena, MT (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $4,140 | 4.63% |
| Eureka-Arcata, CA (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $0 | 3.63% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $2,210 | 3.75% |
| Heber, UT (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $2,509 | 3.00% |
| Sonora, CA (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $3,141 | 4.38% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $2,625 | 4.50% |
| GREELEY, CO (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $1,779 | 4.38% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $2,687 | 4.81% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $2,147 | 4.00% |
| Brevard, NC (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $2,566 | 3.88% |
| MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $3,169 | 4.88% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $2,458 | 4.75% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 6 | $240,000 | $40,000 | $2,009 | 4.81% |
| Pullman, WA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $1,911 | 3.88% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $2,468 | 4.38% |
| GRANTS PASS, OR (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,315 | 4.63% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 2 | $200,000 | $100,000 | $2,211 | 4.25% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $2,275 | 4.13% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 4 | $190,000 | $47,500 | $1,783 | 4.84% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 2 | $160,000 | $80,000 | $2,743 | 4.63% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,426 | 4.38% |
| REDDING, CA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $1,852 | 3.88% |
| PEORIA, IL (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $1,412 | 4.63% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $5,806 | 3.75% |
| Astoria, OR (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 3.88% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $1,835 | 4.50% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $1,215 | 4.25% |
| Red Bluff, CA (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $1,824 | 4.13% |
| HOT SPRINGS, AR (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $2,231 | 4.25% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $1,905 | 4.13% |
| Rockingham, NC (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $2,117 | 4.38% |
| BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $2,690 | 5.13% |
| Pahrump, NV (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $1,711 | 3.50% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $1,778 | 4.25% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $1,504 | 4.38% |
| YUBA CITY, CA (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 5.25% |
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.
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 889 | $382,045,000 | $429,747 | $2,576 | 4.27% |
| HELOC | 752 | $166,920,000 | $221,968 | n/a | 4.85% |
For 2018, Star One Credit Union's most frequently originated type of loan was Conventional, with 889 originations. Their 2nd most popular type was HELOC, with 752 originations.
Loan Reason
For 2018, Star One Credit Union's most frequently cited loan purpose was Home Improvement, with 495 originations. The 2nd most popular reason was Other, with 494 originations.
Loan Duration/Length
For 2018, Star One Credit Union's most frequently cited loan duration was Other, with 752 originations. The 2nd most popular length was 30 Year, with 610 originations.
Origination Fees/Closing Costs
Star One Credit Union's average total fees were $2,902, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 720 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 4-5% | 1,074 | $335,480,000 | $312,365 |
| 3-4% | 320 | $167,880,000 | $524,625 |
| 5-6% | 240 | $41,820,000 | $174,250 |
| 2.5-3% | 7 | $3,785,000 | $540,714 |
During 2018, Star One Credit Union's average interest rate for loans was 4.23%, while their most frequently originated rate bucket for loans was 4-5%, with 1,074 originations.
Loan Sizing
2018 saw Star One Credit Union place emphasis on $200k-400k loans with 570 originations, totaling $151,930,000 in origination value.
Applicant Income
Star One Credit Union lent most frequently to those with incomes in the $150k-250k range, with 642 originations. The second most popular income band? $100k-150k, with 364 originations.
Applicant Debt to Income Ratio
Star One Credit Union lent most frequently to those with DTI ratios of 20-30%, with 308 originations. The next most common DTI ratio? 30-36%, with 301 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications88.99%
Star One Credit Union has an average approval rate.
Pick Rate
Approvals leading to origination77.82%
Star One Credit Union has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 1,641 | $548,965,000 | $334,531 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Manufactured | 3 | $1,235,000 | $411,667 |
| Single Family (1-4 Units):Site-Built | 1,638 | $547,730,000 | $334,389 |
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2018 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| Southern Star Capital, L.L.C. | Conventional home mortgage | Applying for a mortgage or refinancing an existing mortgage | 1 | 100.0% |