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, 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 Los Angeles among others. We have data for 116 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% | 11/21/24 |
| 30 Year Conventional Purchase | 6.04% | 11/21/24 |
| 30 Year Conventional Refi | 5.97% | 11/21/24 |
| 30 Year Cash-out Refi | 5.96% | 11/21/24 |
| 15 Year Conventional Purchase | 5.60% | 11/21/24 |
| 15 Year Conventional Refi | 5.76% | 11/21/24 |
| 15 Year Cash-out Refi | 5.76% | 11/21/24 |
| 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
2,100Origination Dollar Volume (All Markets)
$926,870,000Awards
STAR ONE CREDIT UNION - 2019
STAR ONE CREDIT UNION is a 2019 , due to their low .
For 2019, 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) | 1,007 | $482,895,000 | $479,538 | $2,496 | 4.15% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 378 | $206,360,000 | $545,926 | $2,853 | 3.98% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 97 | $33,275,000 | $343,041 | $2,354 | 3.87% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 62 | $24,970,000 | $402,742 | $2,440 | 4.23% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 34 | $18,950,000 | $557,353 | $4,535 | 3.76% |
| STOCKTON, CA (FHA|USDA|VA) | 53 | $16,755,000 | $316,132 | $2,463 | 3.94% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 37 | $14,855,000 | $401,486 | $3,615 | 3.58% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 22 | $9,760,000 | $443,636 | $3,171 | 3.93% |
| SALINAS, CA (FHA|USDA|VA) | 15 | $7,395,000 | $493,000 | $2,913 | 4.17% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 22 | $5,770,000 | $262,273 | $3,459 | 3.74% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 13 | $5,365,000 | $412,692 | $2,796 | 3.76% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 11 | $4,995,000 | $454,091 | $2,908 | 3.68% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 10 | $4,720,000 | $472,000 | $2,806 | 3.78% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 10 | $4,700,000 | $470,000 | $2,578 | 3.49% |
| MODESTO, CA (FHA|USDA|VA) | 17 | $4,525,000 | $266,176 | $2,295 | 4.06% |
| RENO, NV (FHA|USDA|VA) | 12 | $4,020,000 | $335,000 | $2,648 | 3.72% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 13 | $3,935,000 | $302,692 | $2,548 | 4.28% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 13 | $3,755,000 | $288,846 | $2,295 | 3.77% |
| FRESNO, CA (FHA|USDA|VA) | 16 | $2,920,000 | $182,500 | $2,242 | 3.60% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 10 | $2,820,000 | $282,000 | $2,023 | 3.69% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 10 | $2,790,000 | $279,000 | $2,965 | 3.75% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 6 | $2,720,000 | $453,333 | $2,558 | 3.71% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 12 | $2,670,000 | $222,500 | $2,253 | 3.72% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 7 | $2,615,000 | $373,571 | $2,518 | 4.02% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 10 | $2,550,000 | $255,000 | $2,634 | 4.04% |
| Outside of Metro Areas | 15 | $2,535,000 | $169,000 | $2,524 | 4.02% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 7 | $2,175,000 | $310,714 | $4,968 | 3.80% |
| NAPA, CA (FHA|USDA|VA) | 6 | $1,630,000 | $271,667 | $2,764 | 4.23% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 3 | $1,495,000 | $498,333 | $2,554 | 4.04% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 4 | $1,480,000 | $370,000 | $2,352 | 3.41% |
| CARSON CITY, NV (FHA|USDA|VA) | 4 | $1,380,000 | $345,000 | $3,247 | 3.41% |
| Sonora, CA (FHA|USDA|VA) | 4 | $1,370,000 | $342,500 | $2,452 | 4.25% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 3 | $1,255,000 | $418,333 | $2,612 | 4.25% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 3 | $1,205,000 | $401,667 | $4,836 | 3.42% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 3 | $1,195,000 | $398,333 | $3,599 | 3.63% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 3 | $1,165,000 | $388,333 | $3,222 | 3.58% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 5 | $1,155,000 | $231,000 | $2,712 | 3.68% |
| BOISE CITY, ID (FHA|USDA|VA) | 4 | $1,150,000 | $287,500 | $2,198 | 3.72% |
| BOULDER, CO (FHA|USDA|VA) | 3 | $1,095,000 | $365,000 | $2,194 | 3.88% |
| VALLEJO, CA (FHA|USDA|VA) | 4 | $1,020,000 | $255,000 | $3,046 | 3.41% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 3 | $975,000 | $325,000 | $6,799 | 3.46% |
| BEND, OR (FHA|USDA|VA) | 3 | $965,000 | $321,667 | $2,634 | 3.96% |
| TUCSON, AZ (FHA|USDA|VA) | 6 | $940,000 | $156,667 | $2,119 | 3.65% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 4 | $910,000 | $227,500 | $2,568 | 3.53% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 2 | $880,000 | $440,000 | $5,217 | 3.31% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 5 | $835,000 | $167,000 | $1,943 | 3.98% |
| PROVO-OREM, UT (FHA|USDA|VA) | 2 | $830,000 | $415,000 | $1,913 | 4.00% |
| GREELEY, CO (FHA|USDA|VA) | 2 | $800,000 | $400,000 | $6,783 | 3.13% |
| KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) | 1 | $755,000 | $755,000 | $5,001 | 2.88% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 3 | $745,000 | $248,333 | $2,587 | 3.83% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 4 | $730,000 | $182,500 | $2,463 | 4.34% |
| MADERA, CA (FHA|USDA|VA) | 3 | $675,000 | $225,000 | $2,189 | 3.33% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 3 | $655,000 | $218,333 | $2,207 | 4.21% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 2 | $620,000 | $310,000 | $2,799 | 3.38% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 2 | $610,000 | $305,000 | $2,596 | 3.69% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 3 | $595,000 | $198,333 | $2,352 | 3.96% |
| YUBA CITY, CA (FHA|USDA|VA) | 3 | $595,000 | $198,333 | $3,555 | 3.67% |
| FORT COLLINS, CO (FHA|USDA|VA) | 2 | $590,000 | $295,000 | $3,532 | 3.88% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 3 | $575,000 | $191,667 | $2,693 | 3.75% |
| Eureka-Arcata, CA (FHA|USDA|VA) | 2 | $560,000 | $280,000 | $0 | 5.50% |
| HARRISBURG-CARLISLE, PA (FHA|USDA|VA) | 1 | $555,000 | $555,000 | $1,814 | 3.75% |
| MEDFORD, OR (FHA|USDA|VA) | 2 | $550,000 | $275,000 | $3,052 | 3.25% |
| SALEM, OR (FHA|USDA|VA) | 2 | $550,000 | $275,000 | $2,938 | 4.25% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 3 | $545,000 | $181,667 | $2,016 | 3.75% |
| Breckenridge, CO (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $2,384 | 3.63% |
| CHICO, CA (FHA|USDA|VA) | 3 | $505,000 | $168,333 | $2,099 | 4.38% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $3,777 | 4.38% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $2,383 | 3.56% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $3,078 | 3.75% |
| MERCED, CA (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $2,054 | 4.06% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $2,838 | 3.81% |
| Ukiah, CA (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $1,963 | 3.38% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $2,742 | 3.00% |
| MADISON, WI (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $2,175 | 3.75% |
| URBAN HONOLULU, HI (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $2,514 | 3.56% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $1,732 | 3.88% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $1,820 | 4.00% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $1,545 | 4.06% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $2,570 | 3.88% |
| Clearlake, CA (FHA|USDA|VA) | 3 | $315,000 | $105,000 | $2,689 | 4.46% |
| IDAHO FALLS, ID (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $1,994 | 3.88% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $1,808 | 3.75% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $2,039 | 3.50% |
| SPRINGFIELD, MO (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $2,588 | 3.88% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $2,266 | 3.63% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $2,792 | 4.25% |
| Brookings, SD (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $2,232 | 3.63% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $2,694 | 3.50% |
| Shawnee, OK (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $2,512 | 3.50% |
| BANGOR, ME (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $1,882 | 3.00% |
| Morehead City, NC (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $2,227 | 3.63% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $1,995 | 3.63% |
| LANSING-EAST LANSING, MI (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $2,119 | 3.88% |
| Nogales, AZ (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $2,976 | 3.63% |
| PITTSBURGH, PA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $2,956 | 3.63% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $2,647 | 4.13% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,025 | 2.88% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 2.88% |
| REDDING, CA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $1,710 | 3.63% |
| Pahrump, NV (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $1,594 | 3.63% |
| Port Angeles, WA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,178 | 3.50% |
| YORK-HANOVER, PA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,300 | 4.38% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,319 | 3.63% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $2,856 | 4.00% |
| Oxford, MS (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $2,035 | 3.88% |
| Gardnerville Ranchos, NV (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 3.00% |
| Roseburg, OR (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,083 | 4.38% |
| GRANTS PASS, OR (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,431 | 3.63% |
| Red Bluff, CA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 5.50% |
| ST. GEORGE, UT (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $1,846 | 3.63% |
| OCALA, FL (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $1,993 | 4.13% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $1,957 | 4.13% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $1,948 | 4.50% |
| COLUMBUS, OH (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $1,962 | 4.13% |
| SAGINAW, MI (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $2,335 | 4.38% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $1,428 | 3.13% |
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 | 1,614 | $822,540,000 | $509,628 | $2,675 | 3.63% |
| HELOC | 486 | $104,330,000 | $214,671 | n/a | 5.33% |
For 2019, Star One Credit Union's most frequently originated type of loan was Conventional, with 1,614 originations. Their 2nd most popular type was HELOC, with 486 originations.
Loan Reason
For 2019, Star One Credit Union's most frequently cited loan purpose was Other, with 612 originations. The 2nd most popular reason was Home Purchase, with 489 originations.
Loan Duration/Length
For 2019, Star One Credit Union's most frequently cited loan duration was 30 Year, with 1,213 originations. The 2nd most popular length was Other, with 484 originations.
Origination Fees/Closing Costs
Star One Credit Union's average total fees were $2,727, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 1,579 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 3-4% | 1,152 | $630,880,000 | $547,639 |
| 5-6% | 387 | $80,695,000 | $208,514 |
| 4-5% | 368 | $101,070,000 | $274,647 |
| 2.5-3% | 193 | $114,225,000 | $591,839 |
During 2019, Star One Credit Union's average interest rate for loans was 3.63%, while their most frequently originated rate bucket for loans was 3-4%, with 1,152 originations.
Loan Sizing
2019 saw Star One Credit Union place emphasis on $200k-400k loans with 640 originations, totaling $178,110,000 in origination value.
Applicant Income
Star One Credit Union lent most frequently to those with incomes in the $150k-250k range, with 838 originations. The second most popular income band? $100k-150k, with 475 originations.
Applicant Debt to Income Ratio
Star One Credit Union lent most frequently to those with DTI ratios of 20-30%, with 474 originations. The next most common DTI ratio? 30-36%, with 436 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications86.53%
Star One Credit Union has an average approval rate.
Pick Rate
Approvals leading to origination80.76%
Star One Credit Union has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 2,100 | $926,870,000 | $441,367 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Manufactured | 4 | $680,000 | $170,000 |
| Single Family (1-4 Units):Site-Built | 2,096 | $926,190,000 | $441,885 |
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2019 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| Stearns Ventures, LLC | VA mortgage | Trouble during payment process | 2 | 7.1% |
| Stearns Ventures, LLC | FHA mortgage | Trouble during payment process | 4 | 14.3% |
| Stearns Ventures, LLC | Other type of mortgage | Trouble during payment process | 1 | 3.6% |
| Stearns Ventures, LLC | Conventional home mortgage | Closing on a mortgage | 3 | 10.7% |
| Stearns Ventures, LLC | Conventional home mortgage | Trouble during payment process | 17 | 60.7% |
| Stearns Ventures, LLC | FHA mortgage | Struggling to pay mortgage | 1 | 3.6% |