Star USA Federal Credit Union mortgage approval rate & lending review
Star USA Federal Credit Union decided 288 mortgage applications and funded 104 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Star USA Federal Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Star USA Federal Credit Union at a glance
Approval is 7.6 points above the 87.1% 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 | 95% | 260 / 274 | 37% | $65K | 97 |
Star USA Federal Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Michigan | 99% | $55K | 79 | 23 |
| Pennsylvania | 100% | $95K | 27 | 9 |
| New York | 85% | $75K | 20 | 7 |
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.
Questions about Star USA Federal Credit Union
What is Star USA Federal Credit Union's mortgage approval rate?
Star USA Federal Credit Union approved 94.8% of the 288 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 7.6 points above the 87.1% national rate for the same mix of loan types.
How often do borrowers take the loan Star USA Federal Credit Union offers?
Borrowers accepted 38% of the loans Star USA Federal 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 USA Federal Credit Union make?
The typical home purchase mortgage loan Star USA Federal Credit Union made was $65K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Star USA Federal Credit Union lend?
Star USA Federal Credit Union decided applications in 28 of the states Fat Boy Data covers, most of them in Michigan, Pennsylvania and New York.
Can I apply to Star USA Federal Credit Union directly?
Yes. Star USA Federal Credit Union is a bank or credit union with 6 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Star USA Federal 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 USA Federal Credit Union treats applications, then get a rate quote from the lender.