STAR ONE Credit Union
STAR ONE Credit Union received 2,659 applications in 2025 and made 1,665 mortgages, in 155 counties across 36 states. The median rate its borrowers got was 6.375% on a median loan of $375,000. Of 2,641 decisions, 634 were denials — 24.0%, most often for debt-to-income ratio.
| Legal Entity Identifier | 5493004F7BXDIUFVPV87 |
|---|---|
| Applications received | 2,659 |
| Mortgages made | 1,665 |
| Denied | 634 |
| Approved, not taken up | 342 |
| Withdrawn or incomplete | 18 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.01 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 478 | 6.000% | $685,000 | 7.9% |
| Refinancing | 312 | 5.875% | $905,000 | 28.3% |
| Cash-out refinancing | 292 | 6.750% | $255,000 | 27.6% |
| Other purposes | 583 | 7.500% | $215,000 | 31.5% |
Where STAR ONE Credit Union lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Santa Clara County, CA | 689 | 6.750% | 23.9% |
| Alameda County, CA | 270 | 6.000% | 25.2% |
| San Mateo County, CA | 79 | 6.375% | 26.8% |
| Contra Costa County, CA | 77 | 6.375% | 25.6% |
| San Joaquin County, CA | 67 | 6.000% | 29.6% |
| Santa Cruz County, CA | 57 | 6.500% | 25.0% |
| Sacramento County, CA | 27 | 6.000% | 29.2% |
| Placer County, CA | 23 | 6.750% | 6.9% |
| San Diego County, CA | 20 | 6.000% | 14.3% |
| San Francisco County, CA | 20 | 5.875% | 13.3% |
| Stanislaus County, CA | 17 | 6.625% | 26.7% |
| Los Angeles County, CA | 16 | 6.000% | 26.9% |
| Monterey County, CA | 16 | 6.375% | 33.3% |
| Orange County, CA | 16 | 6.625% | 16.0% |
| San Luis Obispo County, CA | 15 | 6.250% | 28.0% |
| Marin County, CA | 11 | 6.250% | 33.3% |
| Maricopa County, AZ | 10 | 6.313% | 8.3% |
| El Dorado County, CA | 9 | Under 10 loans | 0.0% |
| Fresno County, CA | 9 | Under 10 loans | 33.3% |
| Nevada County, CA | 8 | Under 10 loans | 0.0% |
| San Benito County, CA | 8 | Under 10 loans | 41.2% |
| Solano County, CA | 8 | Under 10 loans | 20.0% |
| Sonoma County, CA | 8 | Under 10 loans | 23.1% |
| Butte County, CA | 6 | Under 10 loans | 0.0% |
| Madera County, CA | 6 | Under 10 loans | 0.0% |
| Merced County, CA | 6 | Under 10 loans | 30.0% |
| Tuolumne County, CA | 6 | Under 10 loans | 14.3% |
| Williamson County, TX | 6 | Under 10 loans | 25.0% |
| Riverside County, CA | 5 | Under 10 loans | 25.0% |
| Dakota County, MN | 5 | Under 10 loans | 0.0% |
| Denton County, TX | 5 | Under 10 loans | 0.0% |
| King County, WA | 5 | Under 10 loans | 25.0% |
| Calaveras County, CA | 4 | Under 10 loans | 14.3% |
| Santa Barbara County, CA | 4 | Under 10 loans | 20.0% |
| Ada County, ID | 4 | Under 10 loans | 0.0% |
| Amador County, CA | 3 | Under 10 loans | 0.0% |
| Napa County, CA | 3 | Under 10 loans | 33.3% |
| San Bernardino County, CA | 3 | Under 10 loans | 37.5% |
| Yolo County, CA | 3 | Under 10 loans | 0.0% |
| Douglas County, CO | 3 | Under 10 loans | 0.0% |
| Kern County, CA | 2 | Under 10 loans | 50.0% |
| Siskiyou County, CA | 2 | Under 10 loans | 0.0% |
| Ventura County, CA | 2 | Under 10 loans | 60.0% |
| Denver County, CO | 2 | Under 10 loans | 33.3% |
| Garfield County, CO | 2 | Under 10 loans | 0.0% |
| Jefferson County, CO | 2 | Under 10 loans | 0.0% |
| Brevard County, FL | 2 | Under 10 loans | 0.0% |
| Honolulu County, HI | 2 | Under 10 loans | 0.0% |
| Cook County, IL | 2 | Under 10 loans | 50.0% |
| Clark County, NV | 2 | Under 10 loans | 50.0% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.