Gold Star Mortgage Financial Group Corporation Rates, Fees & Info

PLYMOUTH, MI

LEI: 5493002Y5XYV7DV1ZV88

Tax ID: 38-3564305

2.8 stars - Updated: 2/19/24 - out of 5 stars, based on 71 reviews

Latest/2022 | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

Review & Overview

Gold Star Mortgage Financial Group Corporation is a small mortgage company specializing in Home Purchase loans. Gold Star Mortgage Financial Group Corporation has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Detroit, Miami, Chicago, Ann Arbor, and Riverside among others. We have data for 262 markets. (Some data included below & more in-depth data is available with an active subscription.)

Gold Star Mortgage Financial Group Corporation has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Gold Star Mortgage Financial Group Corporation is typically an average fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

SimulatedRates™

Mortgage Type
Simulated Rate Simulation Date
30 Year Conventional Purchase 6.93% 2/19/24
30 Year Conventional Refi 6.64% 2/19/24
30 Year Cash-out Refi 6.98% 2/19/24
30 Year FHA Purchase 7.50% 2/19/24
30 Year FHA Refi 7.30% 2/19/24
30 Year VA Purchase 6.22% 2/19/24
30 Year VA Refi 5.99% 2/19/24
30 Year USDA Purchase 6.85% 2/19/24
30 Year USDA Refi 7.30% 2/19/24
15 Year Conventional Purchase 6.10% 2/19/24
15 Year Conventional Refi 6.19% 2/19/24
15 Year Cash-out Refi 6.19% 2/19/24
These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

Gold Star Mortgage Financial Group Corporation Mortgage Calculator






Your Estimates

Estimated Loan Payment: Update the calculator values and click calculate payment!

This is not an official calculator from Gold Star Mortgage Financial Group Corporation. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

The default purchase price is the median sales price across the US for 2022Q4, per FRED.


Originations

5,014

Origination Dollar Volume (All Markets)

$1,539,790,000
Show all (22) awards

Relative Rate

Gold Star Mortgage Financial Group Corporation's average 30 year fixed mortgage rate was 5.12%.

The 2022 average 30 year fixed rate mortgage across all markets and lenders was 4.76%.

This yields a difference of 0.36%.

Relative Fees (Closing Costs)

Gold Star Mortgage Financial Group Corporation's average total fees/closing costs for a 30 year fixed rate mortgage were $7,675.

The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including both points & up-front fees in addition to origination fees) were $4,750.

Top Markets

Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

Market Originations Total Value Average Loan Average Fees Average Rate
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 929 $220,945,000 $237,831 $5,193 5.17%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 423 $153,685,000 $363,322 $9,470 4.77%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 440 $110,750,000 $251,705 $5,920 5.09%
ANN ARBOR, MI (FHA|USDA|VA) 226 $76,270,000 $337,478 $5,667 4.89%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 164 $60,500,000 $368,902 $10,918 4.98%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 138 $58,090,000 $420,942 $8,317 5.01%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 110 $57,220,000 $520,182 $11,195 5.27%
RALEIGH-CARY, NC (FHA|USDA|VA) 146 $47,650,000 $326,370 $4,381 4.62%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 134 $46,250,000 $345,149 $8,923 4.89%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 127 $45,555,000 $358,701 $8,736 5.04%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 103 $36,665,000 $355,971 $10,251 4.66%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 72 $32,400,000 $450,000 $8,162 5.12%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 50 $31,460,000 $629,200 $11,320 4.85%
Outside of Metro Areas 131 $29,375,000 $224,237 $6,889 5.06%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 143 $27,905,000 $195,140 $7,381 5.28%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 65 $25,295,000 $389,154 $14,428 4.89%
MERCED, CA (FHA|USDA|VA) 75 $21,555,000 $287,400 $7,653 5.16%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 60 $20,640,000 $344,000 $10,009 5.28%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 45 $19,125,000 $425,000 $10,036 5.11%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 53 $16,135,000 $304,434 $8,105 4.59%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 45 $15,115,000 $335,889 $6,182 5.02%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 36 $14,770,000 $410,278 $9,394 5.06%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 34 $14,550,000 $427,941 $10,808 5.01%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 32 $14,040,000 $438,750 $8,138 4.62%
Augusta-Waterville, ME (FHA|USDA|VA) 55 $13,825,000 $251,364 $5,993 5.66%
PORT ST. LUCIE, FL (FHA|USDA|VA) 43 $13,775,000 $320,349 $11,393 4.61%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 38 $13,260,000 $348,947 $9,549 5.59%
GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 47 $11,395,000 $242,447 $7,749 5.12%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 27 $10,835,000 $401,296 $8,098 4.95%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 24 $10,770,000 $448,750 $7,948 4.46%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 30 $10,320,000 $344,000 $8,819 5.49%
Adrian, MI (FHA|USDA|VA) 49 $9,875,000 $201,531 $5,093 4.92%
FLINT, MI (FHA|USDA|VA) 45 $9,185,000 $204,111 $5,981 5.21%
MONROE, MI (FHA|USDA|VA) 34 $8,260,000 $242,941 $5,580 5.25%
BATON ROUGE, LA (FHA|USDA|VA) 38 $8,190,000 $215,526 $8,507 5.03%
JACKSON, MI (FHA|USDA|VA) 39 $7,895,000 $202,436 $6,220 5.09%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 22 $7,680,000 $349,091 $9,401 5.37%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 27 $7,135,000 $264,259 $8,906 5.16%
REDDING, CA (FHA|USDA|VA) 21 $7,115,000 $338,810 $6,397 4.61%
LANSING-EAST LANSING, MI (FHA|USDA|VA) 39 $7,075,000 $181,410 $5,943 5.34%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 22 $6,580,000 $299,091 $3,651 4.36%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 10 $4,810,000 $481,000 $10,704 5.22%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 15 $4,775,000 $318,333 $9,423 5.22%
JACKSONVILLE, FL (FHA|USDA|VA) 14 $4,370,000 $312,143 $9,584 5.15%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 13 $3,815,000 $293,462 $8,602 4.32%
COLUMBUS, OH (FHA|USDA|VA) 13 $3,545,000 $272,692 $8,059 5.96%
TOLEDO, OH (FHA|USDA|VA) 17 $3,525,000 $207,353 $7,867 5.34%
OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 6 $3,110,000 $518,333 $13,015 5.02%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 8 $3,090,000 $386,250 $9,127 4.61%
Pahrump, NV (FHA|USDA|VA) 12 $2,930,000 $244,167 $8,896 6.67%
EL PASO, TX (FHA|USDA|VA) 10 $2,910,000 $291,000 $10,794 5.85%
RICHMOND, VA (FHA|USDA|VA) 7 $2,875,000 $410,714 $8,542 4.73%
CORPUS CHRISTI, TX (FHA|USDA|VA) 11 $2,835,000 $257,727 $10,726 5.48%
MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) 9 $2,825,000 $313,889 $6,440 4.86%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 4 $2,790,000 $697,500 $13,294 4.22%
Tullahoma-Manchester, TN (FHA|USDA|VA) 9 $2,785,000 $309,444 $11,049 4.90%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 6 $2,670,000 $445,000 $10,501 5.21%
OCALA, FL (FHA|USDA|VA) 10 $2,600,000 $260,000 $10,130 4.62%
AKRON, OH (FHA|USDA|VA) 14 $2,350,000 $167,857 $6,699 5.26%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 8 $2,330,000 $291,250 $6,767 4.59%
Centralia, WA (FHA|USDA|VA) 6 $2,330,000 $388,333 $9,896 4.13%
MODESTO, CA (FHA|USDA|VA) 6 $2,170,000 $361,667 $10,196 4.90%
BATTLE CREEK, MI (FHA|USDA|VA) 12 $2,110,000 $175,833 $5,248 5.33%
Del Rio, TX (FHA|USDA|VA) 8 $2,110,000 $263,750 $13,443 5.48%
Holland, MI (FHA|USDA|VA) 7 $2,045,000 $292,143 $8,574 4.89%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 8 $1,980,000 $247,500 $9,620 4.11%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 6 $1,980,000 $330,000 $7,007 4.44%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 3 $1,785,000 $595,000 $10,976 4.16%
NILES, MI (FHA|USDA|VA) 4 $1,780,000 $445,000 $7,537 4.37%
TUCSON, AZ (FHA|USDA|VA) 5 $1,735,000 $347,000 $7,741 4.90%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 7 $1,705,000 $243,571 $6,313 4.71%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 5 $1,655,000 $331,000 $10,933 4.52%
Hillsdale, MI (FHA|USDA|VA) 8 $1,630,000 $203,750 $4,095 4.83%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 2 $1,600,000 $800,000 $8,806 3.75%
Sebastian-Vero Beach, FL (FHA|USDA|VA) 6 $1,550,000 $258,333 $8,055 4.66%
Okeechobee, FL (FHA|USDA|VA) 5 $1,545,000 $309,000 $10,826 4.43%
LAS CRUCES, NM (FHA|USDA|VA) 4 $1,530,000 $382,500 $7,715 5.84%
SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 3 $1,495,000 $498,333 $10,445 3.92%
MADERA, CA (FHA|USDA|VA) 5 $1,475,000 $295,000 $7,902 4.85%
KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) 6 $1,470,000 $245,000 $7,581 5.27%
COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 2 $1,460,000 $730,000 $12,816 5.81%
YORK-HANOVER, PA (FHA|USDA|VA) 6 $1,450,000 $241,667 $7,824 5.85%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 4 $1,390,000 $347,500 $4,771 6.19%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 5 $1,355,000 $271,000 $8,406 4.80%
PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 4 $1,310,000 $327,500 $6,760 4.69%
MUSKEGON, MI (FHA|USDA|VA) 7 $1,285,000 $183,571 $8,713 5.84%
MOBILE, AL (FHA|USDA|VA) 6 $1,220,000 $203,333 $6,514 5.69%
STOCKTON, CA (FHA|USDA|VA) 2 $1,210,000 $605,000 $6,316 3.81%
THE VILLAGES, FL (FHA|USDA|VA) 6 $1,150,000 $191,667 $7,772 5.02%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 4 $1,150,000 $287,500 $6,120 5.53%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 4 $1,140,000 $285,000 $5,587 4.59%
LEWISTON-AUBURN, ME (FHA|USDA|VA) 5 $1,135,000 $227,000 $6,668 5.55%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 4 $1,080,000 $270,000 $7,467 4.78%
ROCKY MOUNT, NC (FHA|USDA|VA) 4 $1,070,000 $267,500 $3,883 3.97%
Key West, FL (FHA|USDA|VA) 1 $1,045,000 $1,045,000 $21,261 7.50%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 4 $1,030,000 $257,500 $6,373 6.13%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 2 $1,000,000 $500,000 $8,484 4.31%
LONGVIEW, WA (FHA|USDA|VA) 2 $980,000 $490,000 $14,357 4.18%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 2 $970,000 $485,000 $5,550 5.13%
SAGINAW, MI (FHA|USDA|VA) 5 $945,000 $189,000 $3,270 5.43%
KANKAKEE, IL (FHA|USDA|VA) 5 $935,000 $187,000 $7,818 5.60%
FOND DU LAC, WI (FHA|USDA|VA) 4 $910,000 $227,500 $4,772 6.66%
YUBA CITY, CA (FHA|USDA|VA) 2 $870,000 $435,000 $11,797 5.50%
FRESNO, CA (FHA|USDA|VA) 2 $870,000 $435,000 $11,197 4.94%
OKLAHOMA CITY, OK (FHA|USDA|VA) 3 $845,000 $281,667 $4,655 4.71%
ST. LOUIS, MO-IL (FHA|USDA|VA) 3 $845,000 $281,667 $5,676 6.63%
BANGOR, ME (FHA|USDA|VA) 3 $835,000 $278,333 $7,392 5.25%
GREEN BAY, WI (FHA|USDA|VA) 4 $830,000 $207,500 $5,030 6.78%
VISALIA, CA (FHA|USDA|VA) 2 $820,000 $410,000 $6,678 4.50%
HAMMOND, LA (FHA|USDA|VA) 3 $765,000 $255,000 $12,041 5.00%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 4 $760,000 $190,000 $6,444 5.84%
CANTON-MASSILLON, OH (FHA|USDA|VA) 4 $730,000 $182,500 $8,812 4.94%
BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 3 $715,000 $238,333 $6,661 4.58%
Pinehurst-Southern Pines, NC (FHA|USDA|VA) 2 $710,000 $355,000 $2,150 3.38%
TRENTON-PRINCETON, NJ (FHA|USDA|VA) 1 $705,000 $705,000 $5,652 6.50%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 2 $700,000 $350,000 $3,696 4.19%
FAYETTEVILLE, NC (FHA|USDA|VA) 4 $700,000 $175,000 $3,972 4.75%
EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 1 $675,000 $675,000 $11,818 6.99%
Athens, TX (FHA|USDA|VA) 1 $645,000 $645,000 $14,795 5.75%
Brookings, OR (FHA|USDA|VA) 1 $645,000 $645,000 $7,902 5.00%
Edwards, CO (FHA|USDA|VA) 1 $645,000 $645,000 $3,480 6.25%
SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 1 $625,000 $625,000 $3,255 5.88%
JACKSON, TN (FHA|USDA|VA) 3 $625,000 $208,333 $3,769 6.21%
Traverse City, MI (FHA|USDA|VA) 2 $620,000 $310,000 $3,756 4.25%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 2 $620,000 $310,000 $9,329 5.50%
WILMINGTON, NC (FHA|USDA|VA) 2 $600,000 $300,000 $3,267 4.88%
Marquette, MI (FHA|USDA|VA) 3 $595,000 $198,333 $5,246 6.63%
Red Bluff, CA (FHA|USDA|VA) 2 $590,000 $295,000 $8,007 4.44%
ROANOKE, VA (FHA|USDA|VA) 1 $585,000 $585,000 $4,663 4.25%
ST. GEORGE, UT (FHA|USDA|VA) 1 $575,000 $575,000 $4,020 5.38%
HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) 3 $575,000 $191,667 $5,334 5.46%
HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 2 $570,000 $285,000 $12,057 4.31%
GAINESVILLE, FL (FHA|USDA|VA) 3 $565,000 $188,333 $8,780 5.83%
Cookeville, TN (FHA|USDA|VA) 2 $560,000 $280,000 $8,507 3.37%
BEND, OR (FHA|USDA|VA) 1 $545,000 $545,000 $12,319 5.63%
HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 3 $535,000 $178,333 $7,063 4.58%
Rockport, TX (FHA|USDA|VA) 1 $525,000 $525,000 $11,751 5.25%
TULSA, OK (FHA|USDA|VA) 2 $520,000 $260,000 $9,968 5.44%
WINSTON-SALEM, NC (FHA|USDA|VA) 2 $510,000 $255,000 $1,676 4.00%
SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) 2 $510,000 $255,000 $12,338 5.56%
Lewisburg, TN (FHA|USDA|VA) 2 $500,000 $250,000 $5,955 4.44%
RENO, NV (FHA|USDA|VA) 1 $495,000 $495,000 $9,288 5.38%
FORT WAYNE, IN (FHA|USDA|VA) 2 $490,000 $245,000 $8,627 6.13%
SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 1 $485,000 $485,000 $6,209 5.50%
Sturgis, MI (FHA|USDA|VA) 2 $480,000 $240,000 $6,537 4.37%
Granbury, TX (FHA|USDA|VA) 1 $465,000 $465,000 $19,062 4.99%
Sevierville, TN (FHA|USDA|VA) 2 $460,000 $230,000 $2,937 4.56%
BELLINGHAM, WA (FHA|USDA|VA) 1 $455,000 $455,000 $2,303 5.00%
WINCHESTER, VA-WV (FHA|USDA|VA) 1 $445,000 $445,000 $19,043 6.63%
Marinette, WI-MI (FHA|USDA|VA) 3 $445,000 $148,333 $4,141 6.42%
Clewiston, FL (FHA|USDA|VA) 2 $440,000 $220,000 $9,871 5.13%
Enterprise, AL (FHA|USDA|VA) 1 $435,000 $435,000 $16,601 4.25%
SALISBURY, MD-DE (FHA|USDA|VA) 2 $430,000 $215,000 $14,625 5.38%
Winona, MN (FHA|USDA|VA) 1 $425,000 $425,000 $9,870 3.99%
Crescent City, CA (FHA|USDA|VA) 1 $425,000 $425,000 $8,162 3.50%
Sanford, NC (FHA|USDA|VA) 2 $420,000 $210,000 $1,578 3.81%
SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 2 $420,000 $210,000 $2,613 4.87%
Faribault-Northfield, MN (FHA|USDA|VA) 1 $415,000 $415,000 $18,327 4.63%
Angola, IN (FHA|USDA|VA) 1 $415,000 $415,000 $4,037 4.25%
Wilson, NC (FHA|USDA|VA) 2 $410,000 $205,000 $8,478 5.63%
HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 2 $410,000 $205,000 $5,475 4.50%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 2 $400,000 $200,000 $9,162 4.25%
Crossville, TN (FHA|USDA|VA) 2 $390,000 $195,000 $7,306 5.94%
SAN ANGELO, TX (FHA|USDA|VA) 2 $390,000 $195,000 $9,257 5.63%
Sault Ste. Marie, MI (FHA|USDA|VA) 2 $390,000 $195,000 $8,445 5.44%
Wooster, OH (FHA|USDA|VA) 2 $390,000 $195,000 $7,039 4.37%
PUNTA GORDA, FL (FHA|USDA|VA) 2 $390,000 $195,000 $6,197 4.37%
LAWTON, OK (FHA|USDA|VA) 3 $385,000 $128,333 $7,855 6.00%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 2 $380,000 $190,000 $5,839 3.81%
BURLINGTON, NC (FHA|USDA|VA) 2 $370,000 $185,000 $1,148 3.56%
COLUMBIA, SC (FHA|USDA|VA) 1 $365,000 $365,000 $9,509 6.13%
LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 1 $365,000 $365,000 $2,601 4.75%
SEBRING-AVON PARK, FL (FHA|USDA|VA) 1 $355,000 $355,000 $1,577 3.38%
McMinnville, TN (FHA|USDA|VA) 1 $355,000 $355,000 $4,291 7.63%
Lufkin, TX (FHA|USDA|VA) 1 $345,000 $345,000 $8,948 4.99%
COLUMBIA, MO (FHA|USDA|VA) 2 $340,000 $170,000 $673 6.13%
Elko, NV (FHA|USDA|VA) 1 $335,000 $335,000 $13,506 5.50%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 2 $330,000 $165,000 $6,406 4.50%
DECATUR, AL (FHA|USDA|VA) 1 $325,000 $325,000 $3,635 4.25%
SHEBOYGAN, WI (FHA|USDA|VA) 1 $325,000 $325,000 $2,871 7.00%
LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 1 $325,000 $325,000 $3,288 5.99%
ROCHESTER, MN (FHA|USDA|VA) 1 $315,000 $315,000 $6,510 5.38%
MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) 1 $315,000 $315,000 $8,872 6.63%
Brainerd, MN (FHA|USDA|VA) 1 $315,000 $315,000 $11,394 7.00%
BOISE CITY, ID (FHA|USDA|VA) 1 $315,000 $315,000 $11,172 6.50%
SHERMAN-DENISON, TX (FHA|USDA|VA) 1 $305,000 $305,000 $14,670 6.63%
ELKHART-GOSHEN, IN (FHA|USDA|VA) 1 $305,000 $305,000 $10,397 6.63%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 1 $305,000 $305,000 $2,575 5.99%
HARRISONBURG, VA (FHA|USDA|VA) 1 $305,000 $305,000 $5,399 3.63%
APPLETON, WI (FHA|USDA|VA) 1 $305,000 $305,000 $5,942 6.99%
Ellensburg, WA (FHA|USDA|VA) 1 $295,000 $295,000 $4,039 4.75%
BAKERSFIELD, CA (FHA|USDA|VA) 2 $290,000 $145,000 $4,735 6.18%
ALBUQUERQUE, NM (FHA|USDA|VA) 1 $285,000 $285,000 $5,530 6.13%
Big Rapids, MI (FHA|USDA|VA) 1 $285,000 $285,000 $11,825 4.75%
SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) 1 $285,000 $285,000 $12,696 4.25%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 1 $285,000 $285,000 $6,074 3.75%
FARMINGTON, NM (FHA|USDA|VA) 1 $285,000 $285,000 $11,658 6.63%
FLORENCE, SC (FHA|USDA|VA) 1 $285,000 $285,000 $8,008 3.75%
ALEXANDRIA, LA (FHA|USDA|VA) 1 $275,000 $275,000 $2,851 5.38%
TERRE HAUTE, IN (FHA|USDA|VA) 1 $275,000 $275,000 $4,686 6.25%
Payson, AZ (FHA|USDA|VA) 1 $275,000 $275,000 $10,042 6.99%
TUSCALOOSA, AL (FHA|USDA|VA) 1 $265,000 $265,000 $8,024 4.88%
Morehead City, NC (FHA|USDA|VA) 1 $265,000 $265,000 $1,232 3.88%
PEORIA, IL (FHA|USDA|VA) 1 $265,000 $265,000 $3,848 6.63%
Red Wing, MN (FHA|USDA|VA) 1 $265,000 $265,000 $7,851 6.00%
Washington, NC (FHA|USDA|VA) 1 $265,000 $265,000 $7,120 5.63%
ABILENE, TX (FHA|USDA|VA) 2 $260,000 $130,000 $10,875 5.81%
TWIN FALLS, ID (FHA|USDA|VA) 1 $255,000 $255,000 $3,587 5.88%
PANAMA CITY, FL (FHA|USDA|VA) 1 $255,000 $255,000 $3,184 5.63%
MORRISTOWN, TN (FHA|USDA|VA) 1 $245,000 $245,000 $9,541 5.99%
VALLEJO, CA (FHA|USDA|VA) 1 $245,000 $245,000 $6,931 3.75%
MANKATO, MN (FHA|USDA|VA) 1 $245,000 $245,000 $9,494 5.99%
Seneca, SC (FHA|USDA|VA) 1 $235,000 $235,000 $3,601 5.38%
GETTYSBURG, PA (FHA|USDA|VA) 1 $235,000 $235,000 $5,068 5.63%
GREENVILLE, NC (FHA|USDA|VA) 1 $225,000 $225,000 $4,009 6.63%
Alamogordo, NM (FHA|USDA|VA) 1 $225,000 $225,000 $11,587 3.88%
Bogalusa, LA (FHA|USDA|VA) 1 $225,000 $225,000 $4,387 4.88%
Manitowoc, WI (FHA|USDA|VA) 1 $225,000 $225,000 $5,983 7.00%
HANFORD-CORCORAN, CA (FHA|USDA|VA) 1 $225,000 $225,000 $6,433 6.63%
JACKSONVILLE, NC (FHA|USDA|VA) 1 $215,000 $215,000 $15,996 4.50%
AMARILLO, TX (FHA|USDA|VA) 1 $215,000 $215,000 $4,495 3.99%
Sandusky, OH (FHA|USDA|VA) 1 $215,000 $215,000 $11,781 6.00%
Bedford, IN (FHA|USDA|VA) 1 $215,000 $215,000 $5,356 5.50%
Coldwater, MI (FHA|USDA|VA) 1 $215,000 $215,000 $13,117 4.75%
MIDLAND, MI (FHA|USDA|VA) 2 $210,000 $105,000 $4,562 6.44%
Murray, KY (FHA|USDA|VA) 1 $205,000 $205,000 $9,482 4.50%
KNOXVILLE, TN (FHA|USDA|VA) 1 $195,000 $195,000 $9,682 3.99%
Aberdeen, WA (FHA|USDA|VA) 1 $195,000 $195,000 $5,196 3.99%
Albemarle, NC (FHA|USDA|VA) 1 $195,000 $195,000 $1,463 6.13%
EAST STROUDSBURG, PA (FHA|USDA|VA) 1 $185,000 $185,000 $8,401 5.50%
GULFPORT-BILOXI, MS (FHA|USDA|VA) 1 $185,000 $185,000 $10,711 5.99%
Shelby, NC (FHA|USDA|VA) 1 $185,000 $185,000 $8,378 6.38%
MIDLAND, TX (FHA|USDA|VA) 1 $175,000 $175,000 $5,445 5.38%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 1 $175,000 $175,000 $5,589 5.99%
ROCKFORD, IL (FHA|USDA|VA) 1 $175,000 $175,000 $7,176 5.99%
Beaver Dam, WI (FHA|USDA|VA) 1 $165,000 $165,000 $5,037 7.38%
MANSFIELD, OH (FHA|USDA|VA) 1 $165,000 $165,000 $6,156 5.99%
Ashtabula, OH (FHA|USDA|VA) 1 $165,000 $165,000 $7,108 5.50%
Albertville, AL (FHA|USDA|VA) 1 $165,000 $165,000 $7,082 5.00%
Duncan, OK (FHA|USDA|VA) 1 $165,000 $165,000 $7,438 5.13%
DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) 1 $155,000 $155,000 $7,186 4.75%
Houghton, MI (FHA|USDA|VA) 1 $155,000 $155,000 $1,733 4.13%
Boone, NC (FHA|USDA|VA) 1 $155,000 $155,000 $1,706 3.50%
Show Low, AZ (FHA|USDA|VA) 1 $155,000 $155,000 $5,060 6.88%
HOUMA-THIBODAUX, LA (FHA|USDA|VA) 1 $155,000 $155,000 $6,726 4.63%
Alexandria, MN (FHA|USDA|VA) 1 $155,000 $155,000 $4,575 5.88%
PITTSBURGH, PA (FHA|USDA|VA) 1 $145,000 $145,000 $8,473 3.75%
Glenwood Springs, CO (FHA|USDA|VA) 1 $145,000 $145,000 $1,938 3.50%
Ottawa, IL (FHA|USDA|VA) 1 $145,000 $145,000 $3,170 6.25%
Cadillac, MI (FHA|USDA|VA) 1 $145,000 $145,000 $6,281 3.75%
OSHKOSH-NEENAH, WI (FHA|USDA|VA) 1 $135,000 $135,000 $8,082 6.50%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 1 $135,000 $135,000 $5,873 5.63%
Corinth, MS (FHA|USDA|VA) 1 $125,000 $125,000 $5,323 5.99%
Truckee-Grass Valley, CA (FHA|USDA|VA) 1 $115,000 $115,000 $5,016 5.99%
GOLDSBORO, NC (FHA|USDA|VA) 1 $105,000 $105,000 $7,617 5.75%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 1 $95,000 $95,000 $3,228 3.88%
Mount Pleasant, MI (FHA|USDA|VA) 1 $95,000 $95,000 $4,959 4.75%
JANESVILLE-BELOIT, WI (FHA|USDA|VA) 1 $95,000 $95,000 $5,971 5.25%
Pontiac, IL (FHA|USDA|VA) 1 $95,000 $95,000 $3,691 5.25%
Salem, OH (FHA|USDA|VA) 1 $85,000 $85,000 $5,725 5.38%
SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 1 $85,000 $85,000 $7,478 4.75%
DECATUR, IL (FHA|USDA|VA) 1 $75,000 $75,000 $3,906 3.75%
Gold Star Mortgage Financial Group Corporation's top markets include Detroit, Miami, Chicago, Ann Arbor, and Riverside among others.

Their top states include:
  • Michigan (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • California (FHA|USDA|VA)
  • Indiana (FHA|USDA|VA)
  • Texas (FHA|USDA|VA)
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 3,513 $1,114,325,000 $317,200 $6,217 5.05%
    FHA 1,093 $281,895,000 $257,909 $10,442 5.12%
    VA 326 $126,660,000 $388,528 $11,614 4.78%
    USDA 82 $16,910,000 $206,220 $7,013 4.87%

    For 2022, Gold Star Mortgage Financial Group Corporation's most frequently originated type of loan was Conventional, with 3,513 originations. Their 2nd most popular type was FHA, with 1,093 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 4,129 $1,284,585,000 $311,113 $7,855 5.20%
    Cash Out Refi 622 $179,790,000 $289,051 $6,486 4.48%
    Refi 263 $75,415,000 $286,749 $4,394 3.90%

    For 2022, Gold Star Mortgage Financial Group Corporation's most frequently cited loan purpose was Home Purchase, with 4,129 originations. The 2nd most popular reason was Cash Out Refi, with 622 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 4,730 $1,466,500,000 $310,042 $7,675 5.12%
    15 Year 197 $51,845,000 $263,173 $4,899 3.81%
    20 Year 61 $15,415,000 $252,705 $3,741 4.02%
    10 Year 14 $2,690,000 $192,143 $3,777 3.09%
    Other 12 $3,340,000 $278,333 $6,135 3.63%

    For 2022, Gold Star Mortgage Financial Group Corporation's most frequently cited loan duration was 30 Year, with 4,730 originations. The 2nd most popular length was 15 Year, with 197 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $5k+ 1,248 $493,820,000 $395,689
    $1k-2k 1,070 $296,560,000 $277,159
    $<1k 834 $257,440,000 $308,681
    $2k-3k 727 $184,615,000 $253,941
    $3k-4k 650 $166,130,000 $255,585
    $4k-5k 478 $139,710,000 $292,280

    Gold Star Mortgage Financial Group Corporation's average total fees were $7,675, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 1,248 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    5-6% 1,591 $468,255,000 $294,315
    4-5% 1,260 $405,550,000 $321,865
    3-4% 1,062 $338,780,000 $319,002
    6-7% 736 $214,620,000 $291,603
    7-8% 203 $54,665,000 $269,286
    2.5-3% 132 $48,610,000 $368,258
    <2.5% 25 $7,765,000 $310,600
    Over 8% 5 $1,545,000 $309,000

    During 2022, Gold Star Mortgage Financial Group Corporation's average interest rate for loans was 5.12%, while their most frequently originated rate bucket for loans was 5-6%, with 1,591 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 2,436 $700,240,000 $287,455 $7,410 5.04%
    $100k-200k 1,232 $189,880,000 $154,123 $5,317 5.16%
    $400k-600k 868 $412,560,000 $475,300 $9,929 4.92%
    $600k-1MM 262 $181,080,000 $691,145 $11,544 4.85%
    $100,000 or less 187 $14,975,000 $80,080 $4,340 5.25%
    $1MM+ 29 $41,055,000 $1,415,690 $19,290 4.54%

    2022 saw Gold Star Mortgage Financial Group Corporation place emphasis on $200k-400k loans with 2,436 originations, totaling $700,240,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 1,157 $250,445,000 $216,461 $6,635 5.06%
    $100k-150k 1,139 $400,995,000 $352,059 $8,300 5.04%
    $75k-100k 1,018 $289,980,000 $284,853 $7,497 5.03%
    $150k-250k 741 $315,455,000 $425,715 $8,435 5.04%
    $50k or less 599 $90,455,000 $151,010 $5,629 5.08%
    $250k+ 334 $184,580,000 $552,635 $9,209 4.99%

    Gold Star Mortgage Financial Group Corporation lent most frequently to those with incomes in the $50k-75k range, with 1,157 originations. The second most popular income band? $100k-150k, with 1,139 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    30-36% 780 $240,570,000 $308,423 $6,828 5.00%
    20-30% 666 $195,480,000 $293,514 $6,160 4.78%
    50-60% 512 $159,950,000 $312,402 $11,276 5.05%
    49% 271 $86,625,000 $319,649 $8,226 5.20%
    44% 243 $73,635,000 $303,025 $6,927 5.06%
    43% 229 $68,805,000 $300,459 $7,459 5.12%
    42% 220 $69,200,000 $314,545 $7,620 5.17%
    45% 215 $65,285,000 $303,651 $8,461 5.27%
    41% 209 $64,945,000 $310,742 $7,075 5.02%
    <20% 201 $67,755,000 $337,090 $5,732 4.71%
    47% 195 $60,195,000 $308,692 $8,030 5.14%
    39% 193 $56,315,000 $291,788 $6,559 5.24%
    48% 190 $59,250,000 $311,842 $7,847 5.20%
    40% 189 $54,565,000 $288,704 $6,713 5.14%
    38% 178 $54,730,000 $307,472 $7,146 5.12%
    46% 174 $54,670,000 $314,195 $7,762 5.08%
    36% 173 $51,735,000 $299,046 $6,697 5.09%
    37% 160 $49,010,000 $306,313 $6,973 5.04%
    >60% 15 $6,925,000 $461,667 $12,141 4.89%

    Gold Star Mortgage Financial Group Corporation lent most frequently to those with DTI ratios of 30-36%, with 780 originations. The next most common DTI ratio? 20-30%, with 666 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 3,364 $1,024,770,000 $304,628 $7,276 5.04%
    Not provided 805 $274,475,000 $340,963 $7,868 4.99%
    Black 611 $156,455,000 $256,064 $8,216 5.12%
    Asian Indian 44 $17,410,000 $395,682 $7,117 4.78%
    Asian 43 $15,905,000 $369,884 $8,306 5.04%
    Filipino 30 $11,310,000 $377,000 $8,173 4.92%
    Vietnamese 23 $7,125,000 $309,783 $7,179 5.38%
    American Indian 20 $6,300,000 $315,000 $7,137 4.87%
    Other Asian 18 $6,280,000 $348,889 $6,788 5.11%
    Korean 17 $6,165,000 $362,647 $7,213 5.26%
    Japanese 13 $5,455,000 $419,615 $11,565 5.05%
    Chinese 15 $5,295,000 $353,000 $7,251 5.87%
    Native Hawaiian 5 $1,165,000 $233,000 $6,554 4.47%
    Other Pacific Islander 2 $920,000 $460,000 $7,535 6.06%
    Native Hawaiian or Islander 4 $760,000 $190,000 $5,226 5.75%

    Approval Rates

    Total approvals of all applications
    97.13%

    Gold Star Mortgage Financial Group Corporation has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.

    Pick Rate

    Approvals leading to origination
    59.59%

    Gold Star Mortgage Financial Group Corporation has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 5,014 $1,539,790,000 $307,098

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    5,014 $1,539,790,000 $307,098

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 128 $26,810,000 $209,453 $4,813 4.70%
    40-60% 414 $117,510,000 $283,841 $5,285 4.58%
    60-80% 1,323 $426,645,000 $322,483 $6,779 4.94%
    80-100% 3,049 $929,575,000 $304,879 $7,935 5.16%
    Over 100% 89 $37,985,000 $426,798 $18,105 5.00%
    Under 20% 11 $1,265,000 $115,000 $3,547 5.50%