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STAR ONE Credit Union
Credit Union|CARLSBAD, CA|Near-National
Loans Originated
702
Applications
1,097
Volume
$594 million
Offers loans directly to consumers
Overall Pricing
Exceptional
Overall Pull Through
Strong
Safe Rate Awards💎Jumbo Champion⭐Conventional Superstar⭐Purchase Superstar⭐Refinance Superstar
Pricing and Pullthrough Overview
Average Rate Spread
-0.615%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
-$106
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
64.0%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Offers rates 61.50 basis points below market average
- Lower than average lender fees
- Strong pull through performance
- Particularly strong in Conventional and Jumbo loans
- Nationwide availability with consistent service
Report Card
STAR ONE Credit Union performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Exceptional | Market Leader | |
Pull Through Closing Strength | Strong | Highly Competitive | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Strong | Highly Competitive | |
Jumbo | Exceptional | Market Leader | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Strong | Highly Competitive | |
Refinance | Strong | Highly Competitive | |
Places Geographic coverage | Strong | Near-National · 6 metro areas · 29 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$846,766
Average Borrower Income
$305,811
Average Property Value
$1,274,644
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Strong | Strong | Exceptional | Sound | 530 | 75.5% | -0.595% | -$111 |
Jumbo Loans | Exceptional | Exceptional | Exceptional | Strong | 172 | 24.5% | -0.670% | -$94 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Strong | Strong | Exceptional | Sound | 513 | 73.1% | -0.559% | -$213 |
Refinance | Strong | Strong | Exceptional | Sound | 189 | 26.9% | -0.768% | $184 |
Geographic Coverage
Metro Areas
6
States Served
29
We count Washington DC as a state
Avg Place Specialization
Strong
States with Loan Originations
ALAZCACODCFLGAHIIDILINMIMNMSNCNJNMNVNYOHOKORPASCTNTXUTVAWA
Top Metro Areas by Place Specialization Score
1
San Jose, CAMSA
Volume: 231Mix: 32.91%
Place Specialization
Exceptional
2
Oakland, CAMSA
Volume: 178Mix: 25.36%
Place Specialization
Exceptional
3
Stockton, CAMSA
Volume: 49Mix: 6.98%
Place Specialization
Strong
4
San Francisco, CAMSA
Volume: 44Mix: 6.27%
Place Specialization
Strong
5
Santa Cruz, CAMSA
Volume: 15Mix: 2.14%
Place Specialization
Sound
6
Sacramento, CAMSA
Volume: 23Mix: 3.28%
Place Specialization
Sound
Top States by Place Specialization Score
1
CAState
Volume: 591Mix: 84.19%
Place Specialization
Strong
2
WAState
Volume: 15Mix: 2.14%
Place Specialization
Sound
3
NVState
Volume: 10Mix: 1.42%
Place Specialization
Acceptable
4
TXState
Volume: 11Mix: 1.57%
Place Specialization
Acceptable
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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