Gold Star Mortgage Financial Group, Corporation: 2025 mortgage rates, costs & approvals
How Gold Star Mortgage Financial Group, Corporation priced and approved home loans in 2025, measured against every lender in the official HMDA records.
HMDA legal name: GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION · LEI 5493002Y5XYV7DV1ZV88
In 2025, Gold Star Mortgage Financial Group, Corporation originated 5,567 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 43 states — 114th by volume among the 2,017 lenders profiled here.
On conventional 30-year fixed purchase loans its median rate was 6.625% (all lenders: 6.625%); its median rate spread was 20 basis points above the national median. Median conventional loan costs were $5,260, 6% lower than the national median ($5,570).
It denied 4.2% of completed home-purchase applications (all lenders: 8.5%).
How Gold Star Mortgage Financial Group, Corporation priced home-purchase loans
| Purchase loans, 2025 | Gold Star Mortgage Financial Group, Corporation | All lenders |
|---|---|---|
| 30-year fixed rate · conventional | 6.625% | 6.625% |
| 30-year fixed rate · FHA | 6.625% | 6.250% |
| 30-year fixed rate · VA | 6.375% | 6.125% |
| 15-year fixed rate · conventional | 6.125% | 5.875% |
| Rate spread vs. APOR · conventional | +0.33 pts | +0.13 pts |
| Total loan costs · conventional | $5,260 | $5,570 |
| Total loan costs · FHA | $10,690 | $11,310 |
| Total loan costs · VA | $7,670 | $6,490 |
| Origination charges (all types) | $2,390 | $1,860 |
| Borrowers paying discount points | 55.9% | 51.3% |
| Points paid, when paid (% of loan) | 0.75% | 0.87% |
| Borrowers receiving lender credits | 41.1% | 33.1% |
Medians shown with at least 20 loans. A lender's numbers reflect its borrowers (credit, down payment, loan size, location) as well as its pricing; HMDA has no credit scores. Rate spread = APR minus the average prime offer rate on the lock date, which removes most of the effect of when the rate was locked.
Loan mix and borrowers
By loan type
By purpose
Why Gold Star Mortgage Financial Group, Corporation denied purchase applications
First reason the lender reported for each denied home-purchase application.
Where Gold Star Mortgage Financial Group, Corporation lends
| State | Loans | Applications | Purchase denial rate | 30-yr rate* | Loan costs* |
|---|---|---|---|---|---|
| Michigan | 1,106 | 1,262 | 2.3% | 6.625% | $4,030 |
| Florida | 957 | 1,228 | 6.5% | 6.750% | $6,620 |
| Texas | 348 | 424 | 4.3% | 6.625% | $7,410 |
| Indiana | 315 | 366 | 2.6% | 6.749% | $3,780 |
| Nevada | 270 | 305 | 0.0% | 6.625% | $8,310 |
| North Carolina | 270 | 300 | 2.2% | 6.625% | $5,560 |
| Colorado | 215 | 236 | 0.0% | 6.750% | $5,640 |
| Ohio | 173 | 231 | 2.0% | 6.875% | $5,680 |
| Illinois | 164 | 184 | 0.7% | 6.750% | $6,330 |
| Washington | 160 | 188 | 4.6% | 6.625% | $7,710 |
| Wyoming | 154 | 164 | 1.3% | 6.500% | $5,410 |
| Wisconsin | 153 | 186 | 8.6% | 6.625% | $3,530 |
| Arizona | 126 | 159 | 10.8% | 6.875% | $9,490 |
| Missouri | 112 | 139 | 0.8% | 6.750% | $3,280 |
| Nebraska | 110 | 124 | 1.8% | 6.625% | $3,760 |
| Pennsylvania | 86 | 101 | 7.9% | 6.750% | $6,870 |
| New Mexico | 84 | 95 | 4.6% | 6.625% | $4,330 |
| Virginia | 84 | 92 | 1.3% | 6.625% | $5,530 |
| California | 67 | 95 | 4.8% | — | — |
| Minnesota | 67 | 78 | 5.9% | 6.750% | $4,680 |
| Utah | 63 | 90 | 17.1% | 6.625% | $7,350 |
| Georgia | 63 | 83 | 11.7% | — | — |
| Kansas | 61 | 70 | 1.6% | 6.500% | $4,020 |
| Oklahoma | 61 | 65 | 1.7% | 6.625% | $5,040 |
| South Carolina | 48 | 66 | 3.6% | 6.875% | $5,230 |
| New Jersey | 47 | 56 | 4.8% | — | — |
| Tennessee | 42 | 59 | 4.1% | — | — |
| Alabama | 28 | 38 | 9.1% | — | — |
| Oregon | 21 | 21 | — | — | — |
| Mississippi | 20 | 25 | 9.1% | — | — |
| Arkansas | 19 | 25 | 17.4% | — | — |
| Maryland | 18 | 29 | 27.3% | — | — |
| Connecticut | 16 | 20 | — | — | — |
| Delaware | 10 | 16 | — | — | — |
| Louisiana | 9 | 13 | — | — | — |
| Iowa | 6 | 7 | — | — | — |
| Kentucky | 5 | 5 | — | — | — |
| Idaho | 3 | 3 | — | — | — |
| Montana | 2 | 2 | — | — | — |
| West Virginia | 2 | 2 | — | — | — |
| Maine | 1 | 1 | — | — | — |
| South Dakota | 1 | 1 | — | — | — |
| North Dakota | 0 | 1 | — | — | — |
*Conventional home-purchase loans, medians with at least 20 loans. Linked state names open Gold Star Mortgage Financial Group, Corporation's page for that state.
Counties where Gold Star Mortgage Financial Group, Corporation is a top lender
| County | Rank | Loans | Market share |
|---|---|---|---|
| Campbell County, WY | 1 | 130 | 25.8% |
| Hinsdale County, CO | 1 | 3 | 23.1% |
| Crook County, WY | 1 | 8 | 12.5% |
| Gunnison County, CO | 3 | 18 | 8.2% |
| Johnson County, WY | 5 | 4 | 6.1% |
| Weston County, WY | 6 | 4 | 6.0% |
| Ross County, OH | 5 | 43 | 5.0% |
| Phelps County, MO | 5 | 24 | 4.9% |
| Pike County, OH | 5 | 11 | 4.6% |
| Washtenaw County, MI | 5 | 188 | 4.5% |
| Mesa County, CO | 6 | 106 | 4.0% |
| Douglas County, WA | 8 | 21 | 3.8% |
| Pulaski County, MO | 6 | 36 | 3.8% |
| Lenawee County, MI | 6 | 46 | 3.6% |
| Benton County, IN | 8 | 5 | 3.1% |
Check Gold Star Mortgage Financial Group, Corporation yourself
- FFIEC HMDA Data Browser — the official 2025 records filed under LEI 5493002Y5XYV7DV1ZV88.
- NMLS Consumer Access — confirm the company and loan officer are licensed in your state.
- CFPB Consumer Complaint Database — search complaints by company name.
- Compare your Loan Estimate from Gold Star Mortgage Financial Group, Corporation with similar 2025 loans.
This is a statistical profile, not a review or recommendation. HMDA data alone cannot show whether a lender complies with fair-lending laws, and a lender's medians depend on the borrowers it serves.
Lenders of similar size
Source: FFIEC/CFPB HMDA 2025 public LAR and filer list. Core segment: owner-occupied, single-family site-built, first-lien, closed-end purchase and refinance loans. Methodology