Lender in California · HMDA 2025
Star ONE Credit Union mortgages in California
Star ONE Credit Union's 2025 home-purchase and refinance lending in California, compared with all lenders in the state.
Star ONE Credit Union originated 605 owner-occupied single-family loans in California from 934 completed applications.
Its median conventional purchase loan costs were $4,690 versus $7,920 for all California lenders, at a median 30-year fixed rate of 6.375% (California: 6.625%).
Loans in CA
605
of 934 applications
Denial rate
5.9%
Purchase · CA 8.9%
Rate spread
−0.42 pts
Conv. · CA +0.09 pts
Loan amount
$865,000
Purchase · CA $575,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 424 | 296 | 5.9% | 6.375% | −0.42 pts | $4,690 | $865,000 |
| Refinance | 423 | 259 | 25.8% | 5.875% | −0.56 pts | $2,810 | $975,000 |
| Cash-out refinance | 87 | 50 | 27.6% | — | −0.57 pts | $2,720 | $765,000 |
*Conventional loans only; medians with at least 20 loans.
California counties where Star ONE Credit Union ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Santa Clara County | 13 | 216 | 1.3% |
| Alameda County | 14 | 162 | 1.2% |
| Santa Cruz County | 17 | 17 | 1.0% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology