Applications / Mortgage Analytics / Lenders / California / STAR ONE Credit Union
Sunnyvale, CA · Credit union · NCUA · $9.3 billion assets · 1,665 loans in 2025
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1,665
loans originated, 2025
2,667
applications, 2025
33
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
STAR ONE Credit Union is a Bay Area lender of large loans: its typical loan was $375,000, against $115,000 at similar credit unions, and its lending grew 14% in 2025.
Its typical loan was larger than at nearly all similar lenders (credit unions making between half and twice as many loans), and 20.2% of its loans were jumbo (larger than the conforming limit), against 1.3% at peers. So its 1,665 loans came to $920.0 million, against $285.2 million at peers. All its lending was conventional.
Originations rose 14%, while similar lenders grew 9% and the whole market 10%. Its volume remains below the 2,880 loans of 2020 and 3,118 of 2021; in 2020 its typical rate was 3.25%, against 6.38% in 2025, and refinances are still 36.3% of its loans.
61.9% of its loans were in majority-minority areas, against 11.0% at peers, a higher share than about nineteen in twenty. LMI (low- and moderate-income) borrowers took 10.3% of its loans, against 27.0% at peers, among the lowest tenth; its large loans and the San Jose-area markets it mainly serves are possible reasons.
Its share of higher-priced loans (a rate well above the average for similar loans) was 0.0%, against 1.5% at peers, and its typical rate of 6.38% was lower than at about four in five similar lenders. In San Jose-Sunnyvale-Santa Clara it ranked 13 of 459 lenders, with 1.3% of the market.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. STAR ONE Credit Union took 2,667 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 36.3% · Purchase 28.7% · Home improvement 27.6% · Other 7.4%
Conventional 100.0% · of 1,665 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| California | 1,531 | 92.0% |
| Texas | 20 | 1.2% |
| Washington | 15 | 0.9% |
| Colorado | 13 | 0.8% |
| Arizona | 12 | 0.7% |
| North Carolina | 11 | 0.7% |
| Oregon | 10 | 0.6% |
| Minnesota | 6 | 0.4% |
| Florida | 4 | 0.2% |
| Idaho | 4 | 0.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| San Jose-Sunnyvale-Santa Clara | 697 |
| Oakland-Fremont-Berkeley | 347 |
| San Francisco-San Mateo-Redwood City | 99 |
| Stockton-Lodi | 67 |
| Sacramento-Roseville-Folsom | 62 |
| Santa Cruz-Watsonville | 57 |
| San Diego-Chula Vista-Carlsbad | 20 |
| Modesto | 17 |
| Anaheim-Santa Ana-Irvine | 16 |
| Los Angeles-Long Beach-Glendale | 16 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493004F7BXDIUFVPV87 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 472988 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 568465 | 2001–2017 |
Established 1 January 1956. Reported under HMDA 2001-2025.
Mergers, name changes, data editions and corrections: STAR ONE Credit Union's data.
STAR ONE Credit Union's data
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STAR ONE Credit Union and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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