Gold Star Mortgage Financial Group Corporation Rates, Fees & Info

PLYMOUTH, MI

LEI: 5493002Y5XYV7DV1ZV88

Tax ID: 38-3564305

4.7 stars - out of 5 stars, based on 101 reviews

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

Jump to:

Mortgage Data

  • SimulatedRates™
  • Review & Overview

    Gold Star Mortgage Financial Group Corporation is a small mortgage company specializing in Home Purchase and Refi 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, Raleigh, Chicago, and Seattle among others. We have data for 245 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 7.03% 12/4/22
    30 Year Conventional Refi 6.83% 12/4/22
    30 Year Cash-out Refi 7.07% 12/4/22
    30 Year FHA Purchase 7.89% 12/4/22
    30 Year FHA Refi 7.48% 12/4/22
    30 Year VA Purchase 6.49% 12/4/22
    30 Year VA Refi 6.22% 12/4/22
    30 Year USDA Purchase 7.31% 12/4/22
    30 Year USDA Refi 6.97% 12/4/22
    15 Year Conventional Purchase 6.05% 12/4/22
    15 Year Conventional Refi 6.01% 12/4/22
    15 Year Cash-out Refi 6.01% 12/4/22
    15 Year FHA Refi 6.89% 12/4/22
    15 Year VA Purchase 6.09% 12/4/22
    15 Year VA Refi 5.93% 12/4/22
    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.


    Originations

    10,272

    Origination Dollar Volume (All Markets)

    $2,903,320,000
    Show all (22) awards

    Relative Rate

    Gold Star Mortgage Financial Group Corporation's average 30 year fixed mortgage rate was 3.16%.

    The 2021 average 30 year fixed rate mortgage across all markets and lenders was 3.15%.

    This yields a difference of 0.01%.

    Relative Fees (Closing Costs)

    Gold Star Mortgage Financial Group Corporation's average total fees/closing costs for a 30 year fixed rate mortgage were $4,991.

    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) 1,993 $452,185,000 $226,887 $3,258 3.11%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 923 $298,435,000 $323,332 $5,877 3.04%
    RALEIGH-CARY, NC (FHA|USDA|VA) 788 $226,460,000 $287,386 $1,600 2.97%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 740 $173,530,000 $234,500 $4,693 3.02%
    Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 366 $154,410,000 $421,885 $6,645 3.20%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 433 $151,105,000 $348,972 $7,003 2.92%
    RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 409 $121,625,000 $297,372 $6,519 3.06%
    ANN ARBOR, MI (FHA|USDA|VA) 351 $108,065,000 $307,877 $2,870 2.94%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 311 $93,385,000 $300,273 $5,990 3.00%
    SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 232 $88,510,000 $381,509 $2,870 2.97%
    LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 221 $73,475,000 $332,466 $5,457 3.07%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 232 $67,010,000 $288,836 $5,957 2.99%
    CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 294 $57,930,000 $197,041 $6,496 3.26%
    DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 156 $46,790,000 $299,936 $1,667 2.93%
    Outside of Metro Areas 209 $45,945,000 $219,833 $4,221 3.17%
    MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 132 $37,600,000 $284,848 $6,627 3.35%
    MERCED, CA (FHA|USDA|VA) 113 $29,865,000 $264,292 $6,170 3.29%
    PORT ST. LUCIE, FL (FHA|USDA|VA) 105 $28,475,000 $271,190 $6,631 3.03%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 78 $27,240,000 $349,231 $6,588 3.10%
    AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 70 $27,170,000 $388,143 $7,304 3.03%
    Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 55 $26,045,000 $473,545 $4,806 3.02%
    Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 59 $23,615,000 $400,254 $5,376 2.81%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 67 $20,655,000 $308,284 $5,160 2.83%
    PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 42 $18,920,000 $450,476 $5,817 3.10%
    GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 83 $18,875,000 $227,410 $4,570 3.18%
    SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 42 $18,760,000 $446,667 $5,600 2.97%
    BATON ROUGE, LA (FHA|USDA|VA) 85 $18,265,000 $214,882 $7,113 3.44%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 63 $18,135,000 $287,857 $5,961 3.03%
    SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 34 $17,350,000 $510,294 $2,498 2.89%
    San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 30 $17,070,000 $569,000 $3,494 2.95%
    Adrian, MI (FHA|USDA|VA) 74 $14,510,000 $196,081 $3,657 3.18%
    New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 34 $14,200,000 $417,647 $5,074 2.88%
    NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN (FHA|USDA|VA) 43 $13,955,000 $324,535 $6,484 3.15%
    REDDING, CA (FHA|USDA|VA) 45 $13,545,000 $301,000 $4,595 3.23%
    LANSING-EAST LANSING, MI (FHA|USDA|VA) 71 $13,145,000 $185,141 $4,095 3.16%
    FLINT, MI (FHA|USDA|VA) 66 $12,910,000 $195,606 $4,137 3.14%
    MONROE, MI (FHA|USDA|VA) 58 $12,870,000 $221,897 $3,228 2.98%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 33 $11,585,000 $351,061 $7,020 2.83%
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 31 $10,885,000 $351,129 $5,212 2.96%
    JACKSONVILLE, FL (FHA|USDA|VA) 40 $10,860,000 $271,500 $6,124 2.66%
    JACKSON, MI (FHA|USDA|VA) 41 $9,175,000 $223,780 $3,993 3.16%
    Augusta-Waterville, ME (FHA|USDA|VA) 43 $9,175,000 $213,372 $4,525 3.18%
    CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 22 $6,880,000 $312,727 $4,519 2.83%
    OCALA, FL (FHA|USDA|VA) 26 $6,310,000 $242,692 $7,276 3.28%
    MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 22 $5,970,000 $271,364 $3,873 2.91%
    OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 20 $5,940,000 $297,000 $7,086 3.21%
    AKRON, OH (FHA|USDA|VA) 29 $5,885,000 $202,931 $6,358 3.01%
    DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 21 $5,875,000 $279,762 $5,560 2.83%
    MODESTO, CA (FHA|USDA|VA) 19 $5,785,000 $304,474 $3,871 3.05%
    PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 21 $5,775,000 $275,000 $5,870 2.71%
    LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 24 $5,620,000 $234,167 $4,823 3.15%
    FAYETTEVILLE, NC (FHA|USDA|VA) 24 $5,030,000 $209,583 $1,760 3.09%
    CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 13 $4,895,000 $376,538 $1,930 3.36%
    SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 17 $4,535,000 $266,765 $5,382 2.95%
    PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 15 $4,435,000 $295,667 $6,139 2.96%
    STOCKTON, CA (FHA|USDA|VA) 13 $4,425,000 $340,385 $3,923 2.96%
    VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 14 $4,140,000 $295,714 $7,566 2.95%
    LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 12 $4,020,000 $335,000 $6,047 3.18%
    SALINAS, CA (FHA|USDA|VA) 7 $3,635,000 $519,286 $2,848 2.70%
    YUBA CITY, CA (FHA|USDA|VA) 10 $3,490,000 $349,000 $2,720 3.17%
    THE VILLAGES, FL (FHA|USDA|VA) 10 $3,250,000 $325,000 $7,361 3.01%
    KANKAKEE, IL (FHA|USDA|VA) 15 $3,155,000 $210,333 $4,198 2.93%
    Tullahoma-Manchester, TN (FHA|USDA|VA) 13 $3,125,000 $240,385 $6,035 3.19%
    Morehead City, NC (FHA|USDA|VA) 11 $3,065,000 $278,636 $2,026 3.18%
    Hillsdale, MI (FHA|USDA|VA) 13 $3,015,000 $231,923 $3,202 3.02%
    Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 4 $2,990,000 $747,500 $4,935 3.06%
    MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) 18 $2,890,000 $160,556 $4,502 3.00%
    PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 10 $2,850,000 $285,000 $5,545 2.77%
    TALLAHASSEE, FL (FHA|USDA|VA) 11 $2,815,000 $255,909 $5,558 2.71%
    Shelton, WA (FHA|USDA|VA) 9 $2,705,000 $300,556 $7,095 2.89%
    FRESNO, CA (FHA|USDA|VA) 10 $2,640,000 $264,000 $2,783 3.16%
    KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) 13 $2,615,000 $201,154 $5,127 3.26%
    Sebastian-Vero Beach, FL (FHA|USDA|VA) 10 $2,610,000 $261,000 $4,208 2.99%
    BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 8 $2,500,000 $312,500 $8,364 3.08%
    ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 10 $2,410,000 $241,000 $3,660 2.99%
    NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 13 $2,365,000 $181,923 $7,147 3.34%
    TOLEDO, OH (FHA|USDA|VA) 14 $2,330,000 $166,429 $6,499 3.11%
    WILMINGTON, NC (FHA|USDA|VA) 9 $2,285,000 $253,889 $1,793 3.26%
    GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 8 $2,210,000 $276,250 $2,125 3.09%
    OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 4 $2,210,000 $552,500 $4,511 3.21%
    SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 7 $2,045,000 $292,143 $6,474 3.28%
    BURLINGTON, NC (FHA|USDA|VA) 8 $2,000,000 $250,000 $1,820 3.14%
    SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 3 $1,875,000 $625,000 $1,789 2.88%
    INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 7 $1,865,000 $266,429 $2,958 3.05%
    RICHMOND, VA (FHA|USDA|VA) 7 $1,845,000 $263,571 $4,781 2.76%
    Holland, MI (FHA|USDA|VA) 11 $1,815,000 $165,000 $5,093 3.19%
    ASHEVILLE, NC (FHA|USDA|VA) 6 $1,780,000 $296,667 $1,951 2.94%
    Traverse City, MI (FHA|USDA|VA) 10 $1,770,000 $177,000 $3,286 2.94%
    BATTLE CREEK, MI (FHA|USDA|VA) 12 $1,770,000 $147,500 $4,151 3.37%
    Sanford, NC (FHA|USDA|VA) 8 $1,710,000 $213,750 $1,676 2.95%
    Pahrump, NV (FHA|USDA|VA) 6 $1,680,000 $280,000 $8,255 3.17%
    PUNTA GORDA, FL (FHA|USDA|VA) 6 $1,670,000 $278,333 $6,121 3.06%
    BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 5 $1,645,000 $329,000 $5,495 3.50%
    COLUMBUS, OH (FHA|USDA|VA) 7 $1,635,000 $233,571 $5,523 3.13%
    Sonora, CA (FHA|USDA|VA) 5 $1,605,000 $321,000 $5,045 2.75%
    HAMMOND, LA (FHA|USDA|VA) 9 $1,585,000 $176,111 $8,653 3.58%
    FLAGSTAFF, AZ (FHA|USDA|VA) 5 $1,545,000 $309,000 $5,460 3.00%
    MADERA, CA (FHA|USDA|VA) 6 $1,540,000 $256,667 $5,546 3.27%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 5 $1,535,000 $307,000 $7,231 2.93%
    TUCSON, AZ (FHA|USDA|VA) 6 $1,520,000 $253,333 $6,573 3.06%
    SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 3 $1,425,000 $475,000 $10,935 3.08%
    GOLDSBORO, NC (FHA|USDA|VA) 7 $1,415,000 $202,143 $1,659 3.02%
    NILES, MI (FHA|USDA|VA) 7 $1,385,000 $197,857 $3,559 2.82%
    MUSKEGON, MI (FHA|USDA|VA) 8 $1,350,000 $168,750 $5,099 3.26%
    GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 5 $1,255,000 $251,000 $5,809 2.98%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 3 $1,235,000 $411,667 $7,484 3.54%
    Cadillac, MI (FHA|USDA|VA) 5 $1,235,000 $247,000 $3,527 3.20%
    Oak Harbor, WA (FHA|USDA|VA) 3 $1,215,000 $405,000 $7,563 3.16%
    Centralia, WA (FHA|USDA|VA) 3 $1,195,000 $398,333 $6,638 3.21%
    LAFAYETTE, LA (FHA|USDA|VA) 6 $1,180,000 $196,667 $4,880 3.04%
    RENO, NV (FHA|USDA|VA) 4 $1,140,000 $285,000 $3,228 2.84%
    LEWISTON-AUBURN, ME (FHA|USDA|VA) 4 $1,140,000 $285,000 $9,380 2.91%
    HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 5 $1,125,000 $225,000 $6,760 3.20%
    GAINESVILLE, FL (FHA|USDA|VA) 5 $1,065,000 $213,000 $3,867 3.22%
    ROCKY MOUNT, NC (FHA|USDA|VA) 4 $1,020,000 $255,000 $1,631 3.12%
    SAGINAW, MI (FHA|USDA|VA) 6 $1,010,000 $168,333 $4,822 3.46%
    BAKERSFIELD, CA (FHA|USDA|VA) 3 $1,005,000 $335,000 $7,058 2.63%
    MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 3 $935,000 $311,667 $3,685 3.29%
    Red Bluff, CA (FHA|USDA|VA) 3 $885,000 $295,000 $3,360 2.79%
    Okeechobee, FL (FHA|USDA|VA) 4 $860,000 $215,000 $6,511 3.15%
    Moses Lake, WA (FHA|USDA|VA) 3 $835,000 $278,333 $6,714 3.13%
    PANAMA CITY, FL (FHA|USDA|VA) 3 $775,000 $258,333 $4,770 2.63%
    Boone, NC (FHA|USDA|VA) 3 $755,000 $251,667 $1,622 2.87%
    Alpena, MI (FHA|USDA|VA) 6 $740,000 $123,333 $4,009 3.54%
    VALLEJO, CA (FHA|USDA|VA) 3 $735,000 $245,000 $4,829 2.62%
    KILLEEN-TEMPLE, TX (FHA|USDA|VA) 4 $720,000 $180,000 $6,807 3.19%
    SEBRING-AVON PARK, FL (FHA|USDA|VA) 4 $710,000 $177,500 $3,890 3.22%
    Sault Ste. Marie, MI (FHA|USDA|VA) 3 $705,000 $235,000 $3,676 3.17%
    SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 3 $705,000 $235,000 $4,925 3.16%
    CANTON-MASSILLON, OH (FHA|USDA|VA) 3 $695,000 $231,667 $5,258 3.00%
    HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) 4 $680,000 $170,000 $4,930 3.00%
    CORVALLIS, OR (FHA|USDA|VA) 2 $670,000 $335,000 $8,485 3.43%
    MADISON, WI (FHA|USDA|VA) 2 $660,000 $330,000 $6,881 2.94%
    SANTA FE, NM (FHA|USDA|VA) 2 $660,000 $330,000 $3,045 3.06%
    Hailey, ID (FHA|USDA|VA) 1 $625,000 $625,000 $5,665 2.88%
    CHATTANOOGA, TN-GA (FHA|USDA|VA) 2 $620,000 $310,000 $2,792 2.50%
    SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) 2 $620,000 $310,000 $5,313 2.81%
    MIDLAND, MI (FHA|USDA|VA) 5 $605,000 $121,000 $3,257 3.22%
    ROCHESTER, MN (FHA|USDA|VA) 2 $590,000 $295,000 $6,016 3.31%
    FORT COLLINS, CO (FHA|USDA|VA) 2 $580,000 $290,000 $3,042 3.06%
    Faribault-Northfield, MN (FHA|USDA|VA) 2 $580,000 $290,000 $6,207 3.38%
    BELLINGHAM, WA (FHA|USDA|VA) 2 $580,000 $290,000 $4,214 3.06%
    SALEM, OR (FHA|USDA|VA) 2 $560,000 $280,000 $4,660 2.99%
    Shelbyville, TN (FHA|USDA|VA) 3 $555,000 $185,000 $5,711 3.13%
    DAYTON-KETTERING, OH (FHA|USDA|VA) 3 $545,000 $181,667 $3,457 3.79%
    Key West, FL (FHA|USDA|VA) 1 $525,000 $525,000 $4,733 3.38%
    MEMPHIS, TN-MS-AR (FHA|USDA|VA) 2 $510,000 $255,000 $11,111 3.00%
    ST. LOUIS, MO-IL (FHA|USDA|VA) 2 $510,000 $255,000 $4,232 3.00%
    FLORENCE, SC (FHA|USDA|VA) 2 $510,000 $255,000 $6,958 2.44%
    Red Wing, MN (FHA|USDA|VA) 2 $500,000 $250,000 $5,311 3.31%
    Coldwater, MI (FHA|USDA|VA) 2 $490,000 $245,000 $2,489 2.88%
    Sturgis, MI (FHA|USDA|VA) 4 $490,000 $122,500 $3,810 3.12%
    JACKSONVILLE, NC (FHA|USDA|VA) 2 $490,000 $245,000 $3,317 3.12%
    Marquette, MI (FHA|USDA|VA) 4 $490,000 $122,500 $3,553 3.44%
    Brainerd, MN (FHA|USDA|VA) 1 $475,000 $475,000 $8,006 3.38%
    GREENVILLE, NC (FHA|USDA|VA) 3 $465,000 $155,000 $1,473 3.00%
    PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 1 $465,000 $465,000 $4,083 2.99%
    BAY CITY, MI (FHA|USDA|VA) 3 $455,000 $151,667 $5,433 3.62%
    SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 1 $455,000 $455,000 $2,066 2.75%
    DULUTH, MN-WI (FHA|USDA|VA) 2 $450,000 $225,000 $5,164 3.06%
    Warsaw, IN (FHA|USDA|VA) 2 $440,000 $220,000 $3,076 2.81%
    HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 2 $440,000 $220,000 $3,211 2.50%
    OKLAHOMA CITY, OK (FHA|USDA|VA) 2 $440,000 $220,000 $3,870 2.69%
    KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 2 $430,000 $215,000 $4,037 2.88%
    DUBUQUE, IA (FHA|USDA|VA) 1 $425,000 $425,000 $4,068 2.88%
    Truckee-Grass Valley, CA (FHA|USDA|VA) 1 $415,000 $415,000 $11,712 2.25%
    MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) 2 $410,000 $205,000 $5,706 3.06%
    ROANOKE, VA (FHA|USDA|VA) 2 $410,000 $205,000 $3,085 2.94%
    NEW BERN, NC (FHA|USDA|VA) 1 $395,000 $395,000 $2,382 2.88%
    Sandusky, OH (FHA|USDA|VA) 2 $380,000 $190,000 $8,074 2.93%
    LONGVIEW, WA (FHA|USDA|VA) 1 $375,000 $375,000 $5,914 2.63%
    TRENTON-PRINCETON, NJ (FHA|USDA|VA) 1 $375,000 $375,000 $0 3.63%
    YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 2 $370,000 $185,000 $6,020 3.25%
    Pinehurst-Southern Pines, NC (FHA|USDA|VA) 2 $370,000 $185,000 $1,148 2.88%
    CORPUS CHRISTI, TX (FHA|USDA|VA) 2 $370,000 $185,000 $4,137 2.81%
    ST. CLOUD, MN (FHA|USDA|VA) 2 $360,000 $180,000 $5,456 3.38%
    COLUMBIA, SC (FHA|USDA|VA) 1 $355,000 $355,000 $11,044 2.63%
    GRANTS PASS, OR (FHA|USDA|VA) 1 $355,000 $355,000 $3,080 2.99%
    Newport, OR (FHA|USDA|VA) 1 $345,000 $345,000 $5,877 3.13%
    Ludington, MI (FHA|USDA|VA) 1 $345,000 $345,000 $1,502 2.25%
    CHICO, CA (FHA|USDA|VA) 2 $340,000 $170,000 $1,362 2.63%
    LAS CRUCES, NM (FHA|USDA|VA) 1 $335,000 $335,000 $4,249 3.25%
    Roseburg, OR (FHA|USDA|VA) 1 $325,000 $325,000 $5,893 3.75%
    APPLETON, WI (FHA|USDA|VA) 1 $325,000 $325,000 $5,268 3.13%
    KNOXVILLE, TN (FHA|USDA|VA) 2 $320,000 $160,000 $5,730 3.50%
    North Wilkesboro, NC (FHA|USDA|VA) 1 $315,000 $315,000 $2,764 2.75%
    SHERMAN-DENISON, TX (FHA|USDA|VA) 1 $315,000 $315,000 $6,859 2.88%
    WINSTON-SALEM, NC (FHA|USDA|VA) 2 $310,000 $155,000 $1,587 2.69%
    Payson, AZ (FHA|USDA|VA) 1 $305,000 $305,000 $5,046 2.99%
    Frankfort, KY (FHA|USDA|VA) 1 $305,000 $305,000 $2,682 2.88%
    DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 1 $305,000 $305,000 $4,935 3.13%
    WINCHESTER, VA-WV (FHA|USDA|VA) 1 $305,000 $305,000 $10,603 3.75%
    SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 1 $305,000 $305,000 $4,502 2.99%
    YAKIMA, WA (FHA|USDA|VA) 1 $295,000 $295,000 $13,514 3.99%
    CLARKSVILLE, TN-KY (FHA|USDA|VA) 1 $295,000 $295,000 $4,476 2.99%
    CINCINNATI, OH-KY-IN (FHA|USDA|VA) 1 $285,000 $285,000 $4,487 3.75%
    VISALIA, CA (FHA|USDA|VA) 1 $275,000 $275,000 $5,224 3.88%
    AMARILLO, TX (FHA|USDA|VA) 1 $275,000 $275,000 $4,962 2.88%
    NAPA, CA (FHA|USDA|VA) 1 $275,000 $275,000 $1,235 2.13%
    FORT WAYNE, IN (FHA|USDA|VA) 2 $270,000 $135,000 $3,825 3.25%
    Auburn, IN (FHA|USDA|VA) 1 $265,000 $265,000 $931 3.25%
    Susanville, CA (FHA|USDA|VA) 1 $265,000 $265,000 $3,670 2.99%
    SPARTANBURG, SC (FHA|USDA|VA) 1 $265,000 $265,000 $7,906 3.50%
    Ellensburg, WA (FHA|USDA|VA) 1 $255,000 $255,000 $4,445 3.25%
    Wooster, OH (FHA|USDA|VA) 2 $250,000 $125,000 $7,660 3.75%
    Aberdeen, WA (FHA|USDA|VA) 1 $245,000 $245,000 $8,967 3.75%
    Fernley, NV (FHA|USDA|VA) 1 $235,000 $235,000 $4,473 3.38%
    Paris, TX (FHA|USDA|VA) 1 $225,000 $225,000 $7,159 2.75%
    YUMA, AZ (FHA|USDA|VA) 1 $225,000 $225,000 $3,504 3.25%
    Cullowhee, NC (FHA|USDA|VA) 1 $205,000 $205,000 $8,075 2.99%
    TWIN FALLS, ID (FHA|USDA|VA) 1 $205,000 $205,000 $6,591 3.63%
    ALBUQUERQUE, NM (FHA|USDA|VA) 1 $205,000 $205,000 $2,339 3.88%
    Fergus Falls, MN (FHA|USDA|VA) 1 $205,000 $205,000 $5,064 3.25%
    EVANSVILLE, IN-KY (FHA|USDA|VA) 1 $205,000 $205,000 $2,183 2.50%
    EAU CLAIRE, WI (FHA|USDA|VA) 1 $205,000 $205,000 $7,664 3.25%
    Eureka-Arcata, CA (FHA|USDA|VA) 1 $195,000 $195,000 $2,584 3.13%
    BLOOMINGTON, IN (FHA|USDA|VA) 1 $185,000 $185,000 $1,947 3.25%
    Owatonna, MN (FHA|USDA|VA) 1 $185,000 $185,000 $4,393 3.13%
    Ashtabula, OH (FHA|USDA|VA) 1 $185,000 $185,000 $4,696 2.50%
    Big Rapids, MI (FHA|USDA|VA) 2 $180,000 $90,000 $3,420 3.19%
    Manitowoc, WI (FHA|USDA|VA) 1 $175,000 $175,000 $6,303 4.99%
    Escanaba, MI (FHA|USDA|VA) 1 $175,000 $175,000 $4,945 3.25%
    Albemarle, NC (FHA|USDA|VA) 1 $165,000 $165,000 $1,682 3.63%
    KOKOMO, IN (FHA|USDA|VA) 1 $165,000 $165,000 $6,050 3.75%
    Grand Rapids, MN (FHA|USDA|VA) 1 $165,000 $165,000 $3,719 3.25%
    Kill Devil Hills, NC (FHA|USDA|VA) 1 $145,000 $145,000 $1,778 2.63%
    Menomonie, WI (FHA|USDA|VA) 1 $145,000 $145,000 $3,117 3.38%
    Ottawa, IL (FHA|USDA|VA) 1 $145,000 $145,000 $6,167 3.63%
    Easton, MD (FHA|USDA|VA) 1 $145,000 $145,000 $4,415 3.38%
    Huntsville, TX (FHA|USDA|VA) 1 $145,000 $145,000 $3,739 3.13%
    Richmond, IN (FHA|USDA|VA) 1 $135,000 $135,000 $4,105 3.50%
    Morgan City, LA (FHA|USDA|VA) 1 $135,000 $135,000 $7,317 3.50%
    EL PASO, TX (FHA|USDA|VA) 1 $125,000 $125,000 $6,559 3.75%
    WACO, TX (FHA|USDA|VA) 1 $125,000 $125,000 $4,344 3.88%
    McMinnville, TN (FHA|USDA|VA) 1 $125,000 $125,000 $6,504 2.75%
    Torrington, CT (FHA|USDA|VA) 1 $125,000 $125,000 $2,485 3.25%
    AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 1 $125,000 $125,000 $3,517 2.13%
    Othello, WA (FHA|USDA|VA) 1 $125,000 $125,000 $4,455 2.63%
    Alma, MI (FHA|USDA|VA) 1 $115,000 $115,000 $4,840 3.50%
    HUNTSVILLE, AL (FHA|USDA|VA) 1 $115,000 $115,000 $1,714 2.50%
    GRAND FORKS, ND-MN (FHA|USDA|VA) 1 $115,000 $115,000 $4,271 2.75%
    BANGOR, ME (FHA|USDA|VA) 1 $115,000 $115,000 $3,243 3.50%
    Mount Pleasant, TX (FHA|USDA|VA) 1 $115,000 $115,000 $5,291 3.38%
    CARBONDALE-MARION, IL (FHA|USDA|VA) 1 $95,000 $95,000 $5,185 3.63%
    Crossville, TN (FHA|USDA|VA) 1 $95,000 $95,000 $6,612 2.75%
    Gold Star Mortgage Financial Group Corporation's top markets include Detroit, Miami, Raleigh, Chicago, and Seattle among others.

    Their top states include:
  • Michigan (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • California (FHA|USDA|VA)
  • North Carolina (FHA|USDA|VA)
  • Washington (FHA|USDA|VA)
  • Similar Lenders

    We use machine learning to identify the top lenders compared against GOLD STAR MORTGAGE FINANCIAL GROUP CORPORATION based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    Los Angeles Federal Credit Union
    Similarity Rank: 170
    First Credit Union
    Similarity Rank: 378
    Credence Funding Corporation
    Similarity Rank: 404
    El Dorado Savings Bank, F.S.B.
    Similarity Rank: 624
    CASTPARTS EMPLOYEES
    Similarity Rank: 660
    USC Credit Union
    Similarity Rank: 880
    ALTURA
    Similarity Rank: 923
    MYPOINT Credit Union
    Similarity Rank: 924
    First City Credit Union
    Similarity Rank: 924

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 8,393 $2,418,475,000 $288,154 $3,851 3.07%
    FHA 1,309 $304,945,000 $232,960 $8,479 3.18%
    VA 456 $158,210,000 $346,952 $7,683 2.65%
    USDA 114 $21,690,000 $190,263 $6,490 3.09%

    For 2021, Gold Star Mortgage Financial Group Corporation's most frequently originated type of loan was Conventional, with 8,393 originations. Their 2nd most popular type was FHA, with 1,309 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 5,414 $1,561,700,000 $288,456 $5,653 3.15%
    Refi 2,963 $804,575,000 $271,541 $3,065 2.86%
    Cash Out Refi 1,895 $537,045,000 $283,401 $4,208 3.12%

    For 2021, Gold Star Mortgage Financial Group Corporation's most frequently cited loan purpose was Home Purchase, with 5,414 originations. The 2nd most popular reason was Refi, with 2,963 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 8,440 $2,451,550,000 $290,468 $4,991 3.16%
    15 Year 1,116 $274,430,000 $245,905 $3,154 2.48%
    20 Year 579 $145,805,000 $251,822 $2,847 2.89%
    10 Year 72 $14,890,000 $206,806 $2,654 2.38%
    Other 65 $16,645,000 $256,077 $2,792 2.91%

    For 2021, Gold Star Mortgage Financial Group Corporation's most frequently cited loan duration was 30 Year, with 8,440 originations. The 2nd most popular length was 15 Year, with 1,116 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 4,020 $1,123,750,000 $279,540
    $1k-2k 3,003 $832,655,000 $277,274
    $2k-3k 1,302 $321,470,000 $246,905
    $3k-4k 911 $257,095,000 $282,212
    $5k+ 593 $227,605,000 $383,820
    $4k-5k 443 $140,745,000 $317,709

    Gold Star Mortgage Financial Group Corporation's average total fees were $4,991, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 4,020 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 4,452 $1,212,550,000 $272,361
    2.5-3% 4,431 $1,298,675,000 $293,088
    <2.5% 1,138 $336,210,000 $295,439
    4-5% 249 $55,725,000 $223,795
    5-6% 2 $160,000 $80,000

    During 2021, Gold Star Mortgage Financial Group Corporation's average interest rate for loans was 3.16%, while their most frequently originated rate bucket for loans was 3-4%, with 4,452 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 5,395 $1,539,905,000 $285,432 $4,741 3.03%
    $100k-200k 2,764 $428,860,000 $155,159 $3,771 3.12%
    $400k-600k 1,552 $743,920,000 $479,330 $5,625 2.98%
    $100,000 or less 344 $27,400,000 $79,651 $3,400 3.42%
    $600k-1MM 194 $134,280,000 $692,165 $7,796 3.10%
    $1MM+ 23 $28,955,000 $1,258,913 $10,905 2.93%

    2021 saw Gold Star Mortgage Financial Group Corporation place emphasis on $200k-400k loans with 5,395 originations, totaling $1,539,905,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 2,398 $767,330,000 $319,987 $4,611 3.03%
    $50k-75k 2,362 $534,210,000 $226,169 $4,833 3.11%
    $75k-100k 1,919 $526,045,000 $274,125 $4,851 3.08%
    $150k-250k 1,545 $577,665,000 $373,893 $4,353 2.98%
    $50k or less 1,372 $218,570,000 $159,308 $4,404 3.17%
    $250k+ 522 $231,930,000 $444,310 $4,886 2.99%

    Gold Star Mortgage Financial Group Corporation lent most frequently to those with incomes in the $100k-150k range, with 2,398 originations. The second most popular income band? $50k-75k, with 2,362 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 2,056 $572,750,000 $278,575 $3,805 2.99%
    30-36% 1,736 $484,320,000 $278,986 $4,341 3.08%
    <20% 713 $193,725,000 $271,704 $3,173 2.92%
    50-60% 506 $138,560,000 $273,834 $8,527 3.04%
    44% 463 $131,665,000 $284,374 $4,887 3.17%
    42% 440 $127,720,000 $290,273 $5,124 3.15%
    40% 422 $125,600,000 $297,630 $4,842 3.12%
    43% 418 $121,390,000 $290,407 $4,854 3.10%
    41% 413 $112,475,000 $272,337 $4,812 3.15%
    49% 400 $116,600,000 $291,500 $5,437 3.13%
    39% 379 $110,935,000 $292,704 $4,720 3.09%
    38% 368 $104,960,000 $285,217 $4,829 3.14%
    36% 354 $101,640,000 $287,119 $4,220 3.10%
    37% 310 $88,780,000 $286,387 $4,573 3.07%
    45% 308 $86,620,000 $281,234 $5,209 3.11%
    48% 308 $85,230,000 $276,721 $5,083 3.08%
    47% 286 $83,380,000 $291,538 $4,775 3.10%
    46% 285 $82,245,000 $288,579 $5,222 3.10%
    >60% 14 $5,730,000 $409,286 $7,123 2.69%

    Gold Star Mortgage Financial Group Corporation lent most frequently to those with DTI ratios of 20-30%, with 2,056 originations. The next most common DTI ratio? 30-36%, with 1,736 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 7,473 $2,085,775,000 $279,108 $4,561 3.06%
    Not provided 1,519 $470,565,000 $309,786 $4,195 3.03%
    Black 809 $192,335,000 $237,744 $6,152 3.24%
    Asian Indian 167 $56,565,000 $338,713 $4,467 2.86%
    Asian 122 $40,220,000 $329,672 $4,954 2.94%
    Vietnamese 53 $13,145,000 $248,019 $5,045 3.24%
    Filipino 33 $11,815,000 $358,030 $4,952 3.04%
    American Indian 22 $7,150,000 $325,000 $5,550 3.15%
    Chinese 21 $7,145,000 $340,238 $4,584 2.87%
    Other Asian 19 $6,905,000 $363,421 $5,063 3.08%
    Korean 12 $4,530,000 $377,500 $3,026 3.00%
    Japanese 11 $3,905,000 $355,000 $3,670 2.78%
    Native Hawaiian or Islander 9 $2,815,000 $312,778 $4,680 3.15%
    Samoan 1 $235,000 $235,000 $8,232 2.75%
    Other Pacific Islander 1 $215,000 $215,000 $2,686 2.25%

    Approval Rates

    Total approvals of all applications
    97.70%

    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
    63.63%

    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 10,272 $2,903,320,000 $282,644

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    10,272 $2,903,320,000 $282,644

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 343 $68,515,000 $199,752 $2,905 2.77%
    40-60% 1,495 $393,355,000 $263,114 $3,086 2.84%
    60-80% 3,770 $1,116,600,000 $296,180 $3,927 3.09%
    80-100% 4,573 $1,293,505,000 $282,857 $5,686 3.14%
    Over 100% 76 $28,880,000 $380,000 $15,554 2.77%
    Under 20% 15 $2,465,000 $164,333 $4,035 3.02%

    Complaints

    Bank Name Product Issue 2021 CPFB Complaints % of Total Issues
    GOLD STAR MORTGAGE FINANCIAL FHA mortgage Trouble during payment process 1 100.0%