# STAR ONE Credit Union

> **Canonical URL:** https://saferate.com/lenders/star-one-credit-union


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


STAR ONE Credit Union is a credit union, headquartered in CARLSBAD, CA, serving borrowers across 29 states, with 702 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 6% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 35% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 5493004F7BXDIUFVPV87
- **Headquarters:** CARLSBAD, CA
- **Geographic Reach:** Near-National
- **States Served:** 29
- **State List:** AL, AZ, CA, CO, DC, FL, GA, HI, ID, IL, IN, MI, MN, MS, NC, NJ, NM, NV, NY, OH, OK, OR, PA, SC, TN, TX, UT, VA, WA
- **Markets (MSAs):** 6
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Exceptional 🤩
- Score: 94/100
- Rating: ●●●●● (5/5)

### Pull Through: Strong 😀
- Score: 65/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** -0.615%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $-106
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 702
- **Dollar Volume:** $594 million
- **Applications Received:** 1,097
- **Market Share:** 2.00%

## Typical Borrower Profile

- **Average Loan Amount:** $846,766
- **Average Borrower Income:** $305,811
- **Average Property Value:** $1,274,644

## Safe Rate Awards 🏆

- 💎 **Jumbo Diamond Champion** (84%)
- ⭐ **Conventional Gold Superstar** (71%)
- ⭐ **Purchase Gold Superstar** (71%)
- ⭐ **Refinance Gold Superstar** (71%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 62/100 | 530 | -0.595% | $-111 | Strong 😀 |
| Jumbo | 83/100 | 172 | -0.670% | $-94 | Exceptional 🤩 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 398 loans, Score: 60/100 (Strong)
- Refinance: 132 loans, Score: 65/100 (Strong)

**Jumbo:**
- Purchase: 115 loans, Score: 81/100 (Exceptional)
- Refinance: 57 loans, Score: 83/100 (Exceptional)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 61/100 | 513 | $419M | -0.559% | Strong 😀 |
| Refinance | 67/100 | 189 | $175M | -0.768% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| CA | 591 | 0.21% | 77/100 |
| WA | 15 | 0.02% | 43/100 |
| TX | 11 | 0.00% | 35/100 |
| NV | 10 | 0.02% | 39/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| San Jose | CA | 231 | 86/100 |
| Oakland | CA | 178 | 81/100 |
| Stockton | CA | 49 | 67/100 |
| San Francisco | CA | 44 | 65/100 |
| Sacramento | CA | 23 | 50/100 |
| Santa Cruz | CA | 15 | 51/100 |

## Where This Lender Ranks

STAR ONE Credit Union appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in San Jose Credit Unions
  - [View Full Rankings](https://saferate.com/san-jose/best-mortgage-lenders/credit-unions)
- 🥇 **#1** in San Jose for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/san-jose/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥇 **#1** in San Jose for Jumbo Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/san-jose/best-mortgage-lenders/credit-unions/jumbo-loans)
- 🥇 **#1** in Oakland Credit Unions
  - [View Full Rankings](https://saferate.com/oakland/best-mortgage-lenders/credit-unions)
- 🥇 **#1** in Oakland for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/oakland/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥇 **#1** in Stockton
  - [View Full Rankings](https://saferate.com/stockton/best-mortgage-lenders)
- 🥇 **#1** in Stockton Credit Unions
  - [View Full Rankings](https://saferate.com/stockton/best-mortgage-lenders/credit-unions)
- 🥇 **#1** in Stockton for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/stockton/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥇 **#1** in Stockton for Jumbo Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/stockton/best-mortgage-lenders/credit-unions/jumbo-loans)
- 🥇 **#1** in San Francisco Credit Unions
  - [View Full Rankings](https://saferate.com/san-francisco/best-mortgage-lenders/credit-unions)
- 🥇 **#1** in San Francisco for Jumbo Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/san-francisco/best-mortgage-lenders/credit-unions/jumbo-loans)
- 🥇 **#1** in Santa Cruz for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/santa-cruz/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥈 **#2** in California Credit Unions
  - [View Full Rankings](https://saferate.com/california/best-mortgage-lenders/credit-unions)
- 🥈 **#2** in San Jose
  - [View Full Rankings](https://saferate.com/san-jose/best-mortgage-lenders)
- 🥈 **#2** in Oakland
  - [View Full Rankings](https://saferate.com/oakland/best-mortgage-lenders)
- 🥈 **#2** in Oakland for Jumbo Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/oakland/best-mortgage-lenders/credit-unions/jumbo-loans)
- 🥈 **#2** in San Francisco for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/san-francisco/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥉 **#3** in California for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/california/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥉 **#3** in California for Jumbo Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/california/best-mortgage-lenders/credit-unions/jumbo-loans)
- 🏆 **#4** in Stockton for Jumbo Loans
  - [View Full Rankings](https://saferate.com/stockton/best-mortgage-lenders/jumbo-loans)

## Frequently Asked Questions

### What loan types does STAR ONE Credit Union offer?

STAR ONE Credit Union offers the following mortgage loan types: Conventional, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does STAR ONE Credit Union offer mortgages?

STAR ONE Credit Union offers mortgages in 29 states: AL, AZ, CA, CO, DC, FL, GA, HI, ID, IL, IN, MI, MN, MS, NC, NJ, NM, NV, NY, OH, OK, OR, PA, SC, TN, TX, UT, VA, WA.

### How competitive are STAR ONE Credit Union's mortgage rates?

STAR ONE Credit Union has a pricing score of 94/100 (Exceptional), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.615% below market average.

### What type of lender is STAR ONE Credit Union?

STAR ONE Credit Union is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in CARLSBAD, CA.

### What is STAR ONE Credit Union's loan approval success rate?

STAR ONE Credit Union has a pull-through score of 65/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/star-one-credit-union

### How to Cite

> "STAR ONE Credit Union Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/star-one-credit-union

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