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STAR ONE Credit Union

Credit Union•Carlsbad, CAHQ•Direct•Reviews near you on Google

We analyzed every closed loan from STAR ONE Credit Union — 702 loans across 1k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Exceptional
5/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Exceptional
5/5
Conventional · Jumbo
Place
Strong
4/5
Near-National · 6 mkts
Safe Rate Awards
Jumbo Champion
Jumbo
Champion
Conventional Superstar
Conventional
Superstar
Purchase Superstar
Purchase
Superstar
Refinance Superstar
Refinance
Superstar

Safe Rate 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

Explore another lender or local market

Report Card

STAR ONE Credit Union performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Exceptional
Rates 61.5 bps below market avg
Pull Through
Closing strength
Strong
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Top 40% of lenders
Jumbo
Exceptional
Top 20% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Top 40% of lenders
Refinance
Strong
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
Near-National · 6 markets
Strong
Top 40% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Strong
Product
Strong
Pricing
Exceptional
Pull Through
Sound
Volume530
Mix75.5%
Spread
-0.595%Below
Fees
$111Credit
Jumbo Loans
Overall
Exceptional
Product
Exceptional
Pricing
Exceptional
Pull Through
Strong
Volume172
Mix24.5%
Spread
-0.670%Below
Fees
$94Credit

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Strong
Product
Strong
Pricing
Exceptional
Pull Through
Sound
Volume513
Mix73.1%
Spread
-0.559%Below
Fees
$213Credit
Refinance
Overall
Strong
Product
Strong
Pricing
Exceptional
Pull Through
Sound
Volume189
Mix26.9%
Spread
-0.768%Below
Fees
$184Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
702
Applications
1,097
Volume
$594 million
Pricing & Closing
Avg Rate Spread
-0.615%
vs. market APOR
Avg Net Fees
$-106
Origination − Credits
Pullthrough Rate
64.0%
Applications → Closed
Typical Borrower
Avg Loan Amount
$846,766
Avg Borrower Income
$305,811
Avg Property Value
$1,274,644

Geographic Coverage

Geographic Performance

Metro Areas
6
markets with activity
States Served
29
of 50 states + DC
Avg Place Specialization
Strong
4/5

States with Loan Originations

29
29 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
Northeast3
NJNYPA
Midwest5
ILINMIMNOH
South11
ALDCFLGAMSNCOKSCTNTXVA
West10
AZCACOHIIDNMNVORUTWA

Top Metro Areas by Place Specialization Score

1© Ben Loomis · CC BY 2.0
San Jose, CAMetro
Volume 231Mix 32.91% of portfolio
86/100
Exceptional
2© Basil D Soufi · CC BY-SA 3.0
Oakland, CAMetro
Volume 178Mix 25.36% of portfolio
81/100
Exceptional
3© Quintin Soloviev · CC BY 4.0
Stockton, CAMetro
Volume 49Mix 6.98% of portfolio
67/100
Strong
4© Basil D Soufi · CC BY-SA 4.0
San Francisco, CAMetro
Volume 44Mix 6.27% of portfolio
65/100
Strong
5© MARELBU · CC BY 3.0
Santa Cruz, CAMetro
Volume 15Mix 2.14% of portfolio
51/100
Sound
6© Quintin Soloviev · CC BY 4.0
Sacramento, CAMetro
Volume 23Mix 3.28% of portfolio
50/100
Sound

Top States by Place Specialization Score

California
California
1
CaliforniaState
Volume 591Mix 84.19% of portfolio
77/100
Strong
Washington
Washington
2
WashingtonState
Volume 15Mix 2.14% of portfolio
43/100
Sound
Nevada
Nevada
3
NevadaState
Volume 10Mix 1.42% of portfolio
39/100
Acceptable
Texas
Texas
4
TexasState
Volume 11Mix 1.57% of portfolio
35/100
Acceptable

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
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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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.