STAR ONE Credit Union in California vs the state
24.4%Denial rate+6.97 pts vs state
24.6%Decision denial rate+2.17 pts vs state
62.4%Origination rate+6.24 pts vs state
6.50%Median rate-0.13 pts vs state
0.06Rate spread (pts)-0.21 pts vs state
$257kMedian applicant income
1,531Loans originated
598Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 2,207 | 1,461 | 19.4% | 6.38% | #70 |
| 2024 | 2,167 | 1,350 | 25.8% | 6.63% | #78 |
| 2025 | 2,452 | 1,531 | 24.4% | 6.50% | #83 |
What STAR ONE Credit Union lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most STAR ONE Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Santa Clara County | 1,084 | 689 | 257 | 23.7% |
| Alameda County | 448 | 270 | 113 | 25.2% |
| Contra Costa County | 128 | 77 | 32 | 25.0% |
| San Mateo County | 128 | 79 | 34 | 26.6% |
| San Joaquin County | 115 | 67 | 34 | 29.6% |
| Santa Cruz County | 87 | 57 | 21 | 24.1% |
| Sacramento County | 48 | 27 | 14 | 29.2% |
| San Francisco County | 30 | 20 | 4 | 13.3% |
| Stanislaus County | 30 | 17 | 8 | 26.7% |
| Placer County | 29 | 23 | 2 | 6.9% |
Other large lenders in California
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 79,261 | 12.6% | 6.49% |
| Rocket Mortgage | C | 58,925 | 17.6% | 6.75% |
| Bank of America | F | 40,190 | 30.8% | 5.99% |
| U.S. Bank | D | 32,493 | 31.6% | 6.50% |
| JPMorgan Chase Bank | B | 22,048 | 9.7% | 6.13% |
| Spring Eq | D | 21,601 | 50.8% | 8.88% |
| Schoolsfirst | A | 19,086 | 10.0% | 6.25% |
| Pennymac Loan Services | C | 18,754 | 13.5% | 6.50% |
| Newrez | D | 17,000 | 19.3% | 6.63% |
| Loandepot.Com | D | 16,645 | 18.7% | 6.63% |
Frequently asked questions
California: 2,452 applications in 2025, of which 1,531 were originated and 598 denied.
24.4% of all applications, or 24.6% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans STAR ONE Credit Union originated in California in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are STAR ONE Credit Union's own HMDA filing for properties located in California, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology