STAR ONE Credit Union mortgage approval rate & lending review
STAR ONE Credit Union decided 6,417 mortgage applications and funded 4,229 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions STAR ONE Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
STAR ONE Credit Union at a glance
Approval is 3.8 points above the 75.1% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 90% | 1,884 / 2,084 | 76% | $945K | 1,423 |
| Home improvement loans | 72% | 1,473 / 2,048 | 93% | $225K | 1,363 |
| Cash-out refinance | 72% | 665 / 930 | 89% | $285K | 595 |
| Refinance | 72% | 599 / 833 | 82% | $945K | 492 |
| Investment property purchase | 95% | 352 / 372 | 78% | $335K | 276 |
| Investment refinance | 64% | 91 / 143 | 84% | $455K | 76 |
STAR ONE Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| California | 78% | $285K | 5,882 | 3,857 |
| Texas | 84% | $305K | 101 | 66 |
| Oregon | 89% | $305K | 44 | 28 |
| Arizona | 93% | $345K | 42 | 28 |
| Washington | 85% | $705K | 41 | 30 |
| Colorado | 92% | $485K | 39 | 28 |
| North Carolina | 92% | $255K | 38 | 30 |
| Nevada | 93% | $305K | 28 | 21 |
| Florida | 81% | $425K | 27 | 16 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where STAR ONE Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Santa Clara County, CA | Home improvement loans | 73% | 1,069 | 733 |
| Santa Clara County, CA | Mortgage lenders | 89% | 664 | 441 |
| Santa Clara County, CA | Cash-out refinance | 73% | 491 | 324 |
| Alameda County, CA | Mortgage lenders | 90% | 483 | 316 |
| Santa Clara County, CA | Refinance | 75% | 318 | 198 |
| Alameda County, CA | Home improvement loans | 75% | 261 | 173 |
| Alameda County, CA | Refinance | 69% | 217 | 119 |
| San Joaquin County, CA | Mortgage lenders | 90% | 150 | 101 |
| Contra Costa County, CA | Mortgage lenders | 91% | 136 | 98 |
| Alameda County, CA | Cash-out refinance | 69% | 139 | 88 |
| San Mateo County, CA | Home improvement loans | 65% | 124 | 75 |
| Contra Costa County, CA | Home improvement loans | 75% | 89 | 61 |
The county markets where STAR ONE Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about STAR ONE Credit Union
What is STAR ONE Credit Union's mortgage approval rate?
STAR ONE Credit Union approved 79.0% of the 6,417 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 3.8 points above the 75.1% national rate for the same mix of loan types.
How often do borrowers take the loan STAR ONE Credit Union offers?
Borrowers accepted 83% of the loans STAR ONE Credit Union approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does STAR ONE Credit Union make?
The typical home purchase mortgage loan STAR ONE Credit Union made was $945K; across all loan types its typical loan ran from $225K to $945K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does STAR ONE Credit Union lend?
STAR ONE Credit Union decided applications in 44 of the states Fat Boy Data covers, most of them in California, Texas and Oregon.
Can I apply to STAR ONE Credit Union directly?
Yes. STAR ONE Credit Union is a bank or credit union with 7 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show STAR ONE Credit Union's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how STAR ONE Credit Union treats applications, then get a rate quote from the lender.