Star One Credit Union Mortgage Rates, Fees & Info

Sunnyvale, CA

LEI: 5493004F7BXDIUFVPV87

Tax ID: 94-6069237

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

Review & Overview

Star One Credit Union is a small credit union specializing in Other 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, Santa Cruz, Sacramento, and Los Angeles among others. We have data for 127 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.

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) 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

Estimated Loan Payment: Update the calculator values and click calculate payment!

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

2,880

Origination Dollar Volume (All Markets)

$1,357,540,000
Show all (8) awards

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) 1,394 $710,520,000 $509,699 $2,578 3.22%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 625 $361,705,000 $578,728 $3,180 3.12%
SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 91 $39,125,000 $429,945 $2,847 3.27%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 101 $28,885,000 $285,990 $2,357 3.17%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 48 $20,980,000 $437,083 $3,227 3.24%
STOCKTON, CA (FHA|USDA|VA) 56 $18,610,000 $332,321 $2,483 3.15%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 39 $18,455,000 $473,205 $4,955 3.16%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 28 $10,870,000 $388,214 $2,284 3.07%
SALINAS, CA (FHA|USDA|VA) 26 $10,570,000 $406,538 $2,210 3.20%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 13 $6,435,000 $495,000 $2,983 3.03%
SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 18 $6,380,000 $354,444 $2,750 3.38%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 25 $6,295,000 $251,800 $2,358 3.29%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 14 $6,180,000 $441,429 $3,549 3.41%
SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 15 $6,055,000 $403,667 $3,254 3.04%
Outside of Metro Areas 22 $5,880,000 $267,273 $2,648 3.10%
RENO, NV (FHA|USDA|VA) 18 $5,410,000 $300,556 $2,363 3.31%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 12 $5,170,000 $430,833 $2,465 3.15%
FRESNO, CA (FHA|USDA|VA) 18 $3,930,000 $218,333 $1,717 3.35%
MODESTO, CA (FHA|USDA|VA) 19 $3,905,000 $205,526 $1,515 3.38%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 16 $3,850,000 $240,625 $2,486 3.30%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 14 $3,610,000 $257,857 $3,311 3.16%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 13 $3,415,000 $262,692 $2,041 3.25%
VALLEJO, CA (FHA|USDA|VA) 11 $3,405,000 $309,545 $1,740 3.11%
SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 11 $3,315,000 $301,364 $2,122 2.90%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 10 $3,300,000 $330,000 $3,106 3.11%
Truckee-Grass Valley, CA (FHA|USDA|VA) 8 $2,860,000 $357,500 $2,437 3.08%
BEND, OR (FHA|USDA|VA) 6 $2,840,000 $473,333 $3,718 3.23%
MERCED, CA (FHA|USDA|VA) 11 $2,605,000 $236,818 $1,832 3.25%
BOISE CITY, ID (FHA|USDA|VA) 7 $2,305,000 $329,286 $4,575 3.11%
BOULDER, CO (FHA|USDA|VA) 7 $2,235,000 $319,286 $2,271 3.25%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 3 $1,765,000 $588,333 $2,768 2.92%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 7 $1,755,000 $250,714 $2,467 2.89%
TUCSON, AZ (FHA|USDA|VA) 7 $1,675,000 $239,286 $2,068 3.04%
CHICO, CA (FHA|USDA|VA) 6 $1,580,000 $263,333 $1,691 3.17%
NAPA, CA (FHA|USDA|VA) 3 $1,475,000 $491,667 $2,664 3.13%
Sonora, CA (FHA|USDA|VA) 5 $1,355,000 $271,000 $2,474 3.50%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 5 $1,355,000 $271,000 $4,654 2.73%
Hilo, HI (FHA|USDA|VA) 3 $1,235,000 $411,667 $4,934 3.25%
SANTA FE, NM (FHA|USDA|VA) 1 $1,205,000 $1,205,000 $4,200 3.50%
KANSAS CITY, MO-KS (FHA|USDA|VA) 3 $1,145,000 $381,667 $1,661 2.92%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 4 $1,090,000 $272,500 $1,590 2.72%
BAKERSFIELD, CA (FHA|USDA|VA) 3 $1,055,000 $351,667 $3,427 3.08%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 5 $1,035,000 $207,000 $2,661 3.50%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 1 $975,000 $975,000 $3,312 2.50%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 3 $955,000 $318,333 $2,406 3.00%
MADERA, CA (FHA|USDA|VA) 5 $925,000 $185,000 $2,074 3.10%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 3 $925,000 $308,333 $3,782 3.21%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 3 $915,000 $305,000 $2,443 3.00%
REDDING, CA (FHA|USDA|VA) 4 $910,000 $227,500 $1,565 3.06%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 2 $850,000 $425,000 $2,044 3.38%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 5 $845,000 $169,000 $4,132 2.73%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 3 $825,000 $275,000 $2,296 3.21%
JACKSONVILLE, FL (FHA|USDA|VA) 4 $770,000 $192,500 $1,175 3.16%
WENATCHEE, WA (FHA|USDA|VA) 2 $760,000 $380,000 $3,264 3.56%
FORT COLLINS, CO (FHA|USDA|VA) 2 $730,000 $365,000 $1,605 2.75%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 2 $710,000 $355,000 $3,995 3.31%
KNOXVILLE, TN (FHA|USDA|VA) 2 $660,000 $330,000 $4,986 3.19%
Roseburg, OR (FHA|USDA|VA) 1 $525,000 $525,000 $19,260 2.88%
Breckenridge, CO (FHA|USDA|VA) 1 $515,000 $515,000 $2,488 3.63%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 2 $460,000 $230,000 $2,352 3.25%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 2 $460,000 $230,000 $1,066 3.00%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 2 $450,000 $225,000 $2,104 2.81%
YUBA CITY, CA (FHA|USDA|VA) 2 $450,000 $225,000 $2,149 3.25%
TRENTON-PRINCETON, NJ (FHA|USDA|VA) 2 $440,000 $220,000 $2,046 3.19%
OCALA, FL (FHA|USDA|VA) 2 $440,000 $220,000 $1,416 2.31%
ANCHORAGE, AK (FHA|USDA|VA) 1 $435,000 $435,000 $3,615 3.25%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 1 $425,000 $425,000 $3,771 3.00%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 1 $425,000 $425,000 $3,770 3.00%
URBAN HONOLULU, HI (FHA|USDA|VA) 2 $420,000 $210,000 $2,774 3.75%
KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) 1 $415,000 $415,000 $5,150 3.63%
GRAND JUNCTION, CO (FHA|USDA|VA) 1 $405,000 $405,000 $1,934 3.00%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 1 $405,000 $405,000 $0 3.00%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 1 $385,000 $385,000 $3,490 2.88%
EL CENTRO, CA (FHA|USDA|VA) 1 $375,000 $375,000 $3,466 3.38%
ALBUQUERQUE, NM (FHA|USDA|VA) 1 $355,000 $355,000 $7,280 3.00%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 2 $350,000 $175,000 $966 2.81%
PROVO-OREM, UT (FHA|USDA|VA) 3 $345,000 $115,000 $1,260 3.17%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 1 $335,000 $335,000 $2,203 2.88%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 1 $325,000 $325,000 $2,463 3.50%
Newport, OR (FHA|USDA|VA) 1 $325,000 $325,000 $3,381 3.00%
Pahrump, NV (FHA|USDA|VA) 1 $325,000 $325,000 $2,405 3.63%
POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) 1 $325,000 $325,000 $2,655 2.63%
COLORADO SPRINGS, CO (FHA|USDA|VA) 2 $320,000 $160,000 $1,846 3.00%
DECATUR, AL (FHA|USDA|VA) 1 $315,000 $315,000 $2,096 2.38%
Kalispell, MT (FHA|USDA|VA) 1 $305,000 $305,000 $1,722 3.50%
Hailey, ID (FHA|USDA|VA) 1 $305,000 $305,000 $2,703 3.00%
Ukiah, CA (FHA|USDA|VA) 1 $305,000 $305,000 $2,164 3.50%
MEDFORD, OR (FHA|USDA|VA) 2 $300,000 $150,000 $997 2.88%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 1 $285,000 $285,000 $1,332 3.25%
MANHATTAN, KS (FHA|USDA|VA) 1 $285,000 $285,000 $1,821 2.63%
RALEIGH-CARY, NC (FHA|USDA|VA) 2 $280,000 $140,000 $2,196 3.50%
YUMA, AZ (FHA|USDA|VA) 1 $275,000 $275,000 $2,348 3.38%
CARSON CITY, NV (FHA|USDA|VA) 1 $255,000 $255,000 $2,028 3.00%
Coos Bay, OR (FHA|USDA|VA) 1 $255,000 $255,000 $2,611 3.25%
SALISBURY, MD-DE (FHA|USDA|VA) 1 $245,000 $245,000 $2,793 2.38%
LAS CRUCES, NM (FHA|USDA|VA) 1 $235,000 $235,000 $2,991 3.50%
RICHMOND, VA (FHA|USDA|VA) 1 $235,000 $235,000 $3,361 2.75%
OKLAHOMA CITY, OK (FHA|USDA|VA) 1 $235,000 $235,000 $2,686 3.13%
Outside of Metro Areas 1 $235,000 $235,000 $3,540 3.25%
ALBANY-LEBANON, OR (FHA|USDA|VA) 1 $215,000 $215,000 $3,169 3.38%
VISALIA, CA (FHA|USDA|VA) 1 $215,000 $215,000 $2,491 2.38%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 2 $210,000 $105,000 $1,352 2.69%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 2 $210,000 $105,000 $1,959 3.69%
Klamath Falls, OR (FHA|USDA|VA) 1 $205,000 $205,000 $3,079 3.13%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 2 $200,000 $100,000 $2,002 3.81%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 1 $195,000 $195,000 $1,872 2.63%
LOUISVILLE, KY (FHA|USDA|VA) 1 $195,000 $195,000 $0 3.00%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 1 $195,000 $195,000 $0 2.63%
St. Marys, GA (FHA|USDA|VA) 1 $185,000 $185,000 $2,362 3.63%
SALT LAKE CITY, UT (FHA|USDA|VA) 1 $185,000 $185,000 $2,056 2.88%
COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 1 $175,000 $175,000 $2,547 3.88%
LONGVIEW, TX (FHA|USDA|VA) 1 $175,000 $175,000 $2,522 2.63%
Clearlake, CA (FHA|USDA|VA) 1 $145,000 $145,000 $2,316 3.13%
LOGAN, UT-ID (FHA|USDA|VA) 1 $145,000 $145,000 $4,760 2.38%
PORT ST. LUCIE, FL (FHA|USDA|VA) 1 $135,000 $135,000 $1,657 3.00%
GREELEY, CO (FHA|USDA|VA) 1 $135,000 $135,000 $2,268 2.63%
COLUMBUS, GA-AL (FHA|USDA|VA) 1 $125,000 $125,000 $2,340 3.13%
Port Angeles, WA (FHA|USDA|VA) 1 $115,000 $115,000 $1,880 2.88%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 1 $105,000 $105,000 $0 3.00%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 1 $105,000 $105,000 $8 2.63%
TULSA, OK (FHA|USDA|VA) 1 $105,000 $105,000 $3,647 3.75%
Eureka-Arcata, CA (FHA|USDA|VA) 1 $105,000 $105,000 $1,974 2.88%
HUNTSVILLE, AL (FHA|USDA|VA) 1 $95,000 $95,000 $2,054 3.75%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 1 $85,000 $85,000 $2,185 4.25%
JOPLIN, MO (FHA|USDA|VA) 1 $75,000 $75,000 $1,971 3.50%
WICHITA, KS (FHA|USDA|VA) 3 $75,000 $25,000 $1,266 4.50%
MONTGOMERY, AL (FHA|USDA|VA) 1 $65,000 $65,000 $2,530 4.25%
Star One Credit Union's top markets include San Jose, San Francisco, Santa Cruz, Sacramento, and Los Angeles among others.

Their top states include:
  • California (FHA|USDA|VA)
  • Colorado (FHA|USDA|VA)
  • Texas (FHA|USDA|VA)
  • Arizona (FHA|USDA|VA)
  • Oregon (FHA|USDA|VA)
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 2,238 $1,212,690,000 $541,863 $2,735 3.09%
    HELOC 642 $144,850,000 $225,623 n/a 3.54%

    For 2020, Star One Credit Union's most frequently originated type of loan was Conventional, with 2,238 originations. Their 2nd most popular type was HELOC, with 642 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Other 931 $390,505,000 $419,447 $2,340 3.21%
    Cash Out Refi 610 $384,410,000 $630,180 $2,942 3.06%
    Refi 493 $238,605,000 $483,986 $2,434 3.08%
    Home Improvement 452 $130,260,000 $288,186 $2,550 3.42%
    Home Purchase 394 $213,760,000 $542,538 $3,597 3.20%

    For 2020, Star One Credit Union's most frequently cited loan purpose was Other, with 931 originations. The 2nd most popular reason was Cash Out Refi, with 610 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 1,319 $852,965,000 $646,676 $3,319 3.23%
    Other 642 $145,170,000 $226,121 $0 3.53%
    15 Year 349 $132,415,000 $379,413 $2,319 2.99%
    10 Year 300 $86,920,000 $289,733 $99 2.64%
    20 Year 270 $140,070,000 $518,778 $3,121 3.05%

    For 2020, Star One Credit Union's most frequently cited loan duration was 30 Year, with 1,319 originations. The 2nd most popular length was Other, with 642 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 2,143 $1,155,545,000 $539,218
    $5k+ 77 $51,445,000 $668,117
    $4k-5k 7 $3,055,000 $436,429
    $3k-4k 6 $1,670,000 $278,333
    $2k-3k 5 $975,000 $195,000

    Star One Credit Union's average total fees were $3,319, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 2,143 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 1,630 $741,820,000 $455,104
    2.5-3% 858 $500,650,000 $583,508
    <2.5% 222 $82,210,000 $370,315
    4-5% 170 $32,860,000 $193,294

    During 2020, Star One Credit Union's average interest rate for loans was 3.23%, while their most frequently originated rate bucket for loans was 3-4%, with 1,630 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 889 $247,905,000 $278,858 $2,254 3.24%
    $600k-1MM 634 $488,810,000 $770,994 $3,438 3.11%
    $400k-600k 521 $256,035,000 $491,430 $2,577 3.12%
    $100k-200k 445 $63,855,000 $143,494 $1,432 3.25%
    $1MM+ 223 $290,865,000 $1,304,327 $4,581 3.03%
    $100,000 or less 168 $10,070,000 $59,940 $666 3.46%

    2020 saw Star One Credit Union place emphasis on $200k-400k loans with 889 originations, totaling $247,905,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $150k-250k 1,119 $515,425,000 $460,612 $2,760 3.20%
    $250k+ 810 $557,870,000 $688,728 $3,260 3.14%
    $100k-150k 520 $178,200,000 $342,692 $2,313 3.22%
    $75k-100k 236 $64,760,000 $274,407 $2,221 3.27%
    $50k-75k 143 $31,435,000 $219,825 $2,103 3.21%
    $50k or less 52 $9,850,000 $189,423 $2,156 3.08%

    Star One Credit Union lent most frequently to those with incomes in the $150k-250k range, with 1,119 originations. The second most popular income band? $250k+, with 810 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 761 $345,295,000 $453,739 $2,615 3.15%
    30-36% 528 $251,880,000 $477,045 $2,842 3.18%
    <20% 305 $103,775,000 $340,246 $2,734 3.09%
    37% 134 $71,230,000 $531,567 $3,266 3.19%
    42% 121 $63,255,000 $522,769 $2,369 3.22%
    41% 104 $56,920,000 $547,308 $2,694 3.23%
    39% 101 $55,765,000 $552,129 $2,898 3.13%
    38% 98 $51,210,000 $522,551 $2,312 3.31%
    40% 96 $54,330,000 $565,938 $2,931 3.21%
    36% 89 $49,245,000 $553,315 $3,784 3.18%
    49% 82 $32,020,000 $390,488 $2,716 3.31%
    43% 79 $41,015,000 $519,177 $2,458 3.29%
    46% 76 $34,670,000 $456,184 $2,851 3.36%
    44% 68 $34,420,000 $506,176 $2,820 3.31%
    45% 65 $31,675,000 $487,308 $2,706 3.14%
    48% 60 $27,360,000 $456,000 $1,876 3.21%
    50-60% 58 $28,200,000 $486,207 $2,989 3.26%
    47% 49 $20,885,000 $426,224 $2,092 3.27%
    >60% 6 $4,390,000 $731,667 $2,828 3.23%

    Star One Credit Union lent most frequently to those with DTI ratios of 20-30%, with 761 originations. The next most common DTI ratio? 30-36%, with 528 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,392 $640,870,000 $460,395 $2,901 3.19%
    Asian 576 $298,570,000 $518,351 $2,471 3.13%
    Not provided 654 $289,850,000 $443,196 $2,586 3.25%
    Asian Indian 98 $59,910,000 $611,327 $3,094 3.07%
    Filipino 30 $14,170,000 $472,333 $2,400 3.05%
    Black 33 $13,485,000 $408,636 $3,018 3.35%
    Chinese 31 $11,245,000 $362,742 $2,751 3.21%
    American Indian 22 $9,650,000 $438,636 $2,243 3.24%
    Vietnamese 13 $5,755,000 $442,692 $2,563 3.10%
    Other Asian 10 $4,910,000 $491,000 $2,635 3.30%
    Korean 7 $4,375,000 $625,000 $2,693 3.25%
    Native Hawaiian or Islander 6 $2,600,000 $433,333 $1,739 3.25%
    Japanese 6 $1,580,000 $263,333 $1,382 3.21%
    Other Pacific Islander 2 $570,000 $285,000 $1,065 2.94%

    Approval Rates

    Total approvals of all applications
    88.48%

    Star One Credit Union has an average approval rate.

    Pick Rate

    Approvals leading to origination
    74.10%

    Star One Credit Union has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 2,880 $1,357,540,000 $471,368

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Single Family (1-4 Units):Manufactured 7 $1,835,000 $262,143
    Single Family (1-4 Units):Site-Built 2,873 $1,355,705,000 $471,878

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 704 $277,120,000 $393,636 $2,189 3.10%
    40-60% 562 $323,230,000 $575,142 $2,843 3.12%
    60-80% 698 $481,380,000 $689,656 $3,348 3.18%
    80-100% 212 $142,030,000 $669,953 $3,789 3.15%
    Under 20% 691 $128,915,000 $186,563 $851 3.35%

    Complaints

    Bank Name Product Issue 2020 CPFB Complaints % of Total Issues
    Stearns Ventures, LLC VA mortgage Trouble during payment process 1 7.1%
    Stearns Ventures, LLC FHA mortgage Trouble during payment process 1 7.1%
    Stearns Ventures, LLC Other type of mortgage Closing on a mortgage 1 7.1%
    Stearns Ventures, LLC Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 2 14.3%
    Stearns Ventures, LLC Conventional home mortgage Closing on a mortgage 1 7.1%
    Stearns Ventures, LLC Conventional home mortgage Trouble during payment process 6 42.9%
    Stearns Ventures, LLC FHA mortgage Applying for a mortgage or refinancing an existing mortgage 1 7.1%
    Stearns Ventures, LLC FHA mortgage Closing on a mortgage 1 7.1%