Gold Star Mortgage Financial Group Corporation Rates, Fees & Info

PLYMOUTH, MI

LEI: 5493002Y5XYV7DV1ZV88

Tax ID: 38-3564305

5 stars - Updated: 6/9/24 - out of 5 stars, based on 64 reviews

Latest/2023 | 2022 Data | 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, Phoenix, and Ann Arbor 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 a high 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 relatively high 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% 6/9/24
30 Year Conventional Refi 6.64% 6/9/24
30 Year Cash-out Refi 6.98% 6/9/24
30 Year FHA Purchase 7.50% 6/9/24
30 Year FHA Refi 7.30% 6/9/24
30 Year VA Purchase 6.22% 6/9/24
30 Year VA Refi 5.99% 6/9/24
30 Year USDA Purchase 6.85% 6/9/24
30 Year USDA Refi 7.30% 6/9/24
15 Year Conventional Purchase 6.10% 6/9/24
15 Year Conventional Refi 6.19% 6/9/24
15 Year Cash-out Refi 6.19% 6/9/24
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

4,066

Origination Dollar Volume (All Markets)

$1,160,060,000
Show all (10) awards

Relative Rate

Gold Star Mortgage Financial Group Corporation's average 30 year fixed mortgage rate was 6.58%.

The 2023 average 30 year fixed rate mortgage across all markets and lenders was 6.48%.

This yields a difference of 0.1%.

Relative Fees (Closing Costs)

Gold Star Mortgage Financial Group Corporation's average total fees/closing costs for a 30 year fixed rate mortgage were $8,592.

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 $9,089.

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) 711 $151,505,000 $213,087 $5,436 6.54%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 300 $99,450,000 $331,500 $9,594 5.94%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 331 $83,615,000 $252,613 $6,727 6.70%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 172 $73,000,000 $424,419 $9,384 6.49%
ANN ARBOR, MI (FHA|USDA|VA) 182 $67,490,000 $370,824 $6,000 6.88%
RALEIGH-CARY, NC (FHA|USDA|VA) 100 $40,040,000 $400,400 $9,396 6.92%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 144 $38,850,000 $269,792 $8,753 5.88%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 112 $33,110,000 $295,625 $9,152 5.81%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 89 $31,165,000 $350,169 $13,046 6.61%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 48 $26,170,000 $545,208 $12,473 7.06%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 79 $25,875,000 $327,532 $9,112 6.77%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 76 $25,670,000 $337,763 $12,542 7.01%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 123 $24,915,000 $202,561 $9,006 7.13%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 66 $20,950,000 $317,424 $7,421 6.89%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 38 $19,840,000 $522,105 $10,867 6.40%
Outside of Metro Areas 95 $19,375,000 $203,947 $7,223 7.06%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 62 $16,700,000 $269,355 $9,797 6.31%
PORT ST. LUCIE, FL (FHA|USDA|VA) 48 $15,080,000 $314,167 $12,239 6.46%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 45 $14,425,000 $320,556 $9,172 6.58%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 38 $14,220,000 $374,211 $12,805 6.77%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 24 $13,140,000 $547,500 $11,880 6.81%
MERCED, CA (FHA|USDA|VA) 42 $13,040,000 $310,476 $11,906 6.49%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 23 $10,825,000 $470,652 $10,075 6.39%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 30 $10,580,000 $352,667 $12,283 6.66%
Adrian, MI (FHA|USDA|VA) 61 $10,455,000 $171,393 $5,524 6.90%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 23 $10,305,000 $448,043 $12,741 6.78%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 21 $6,785,000 $323,095 $10,194 7.88%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 28 $6,630,000 $236,786 $6,628 5.50%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 19 $6,545,000 $344,474 $7,114 6.93%
FLINT, MI (FHA|USDA|VA) 34 $6,230,000 $183,235 $6,590 7.30%
GREEN BAY, WI (FHA|USDA|VA) 23 $5,835,000 $253,696 $5,565 6.61%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 9 $5,735,000 $637,222 $12,966 6.88%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 26 $5,350,000 $205,769 $5,875 5.55%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 11 $5,115,000 $465,000 $10,355 7.07%
MONROE, MI (FHA|USDA|VA) 24 $5,080,000 $211,667 $6,328 7.20%
OCALA, FL (FHA|USDA|VA) 22 $4,590,000 $208,636 $7,164 6.85%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 23 $4,565,000 $198,478 $6,044 5.35%
JACKSON, MI (FHA|USDA|VA) 23 $4,555,000 $198,043 $7,279 7.05%
JACKSONVILLE, FL (FHA|USDA|VA) 15 $4,555,000 $303,667 $10,628 5.88%
MODESTO, CA (FHA|USDA|VA) 12 $4,400,000 $366,667 $10,368 6.15%
REDDING, CA (FHA|USDA|VA) 12 $4,380,000 $365,000 $9,736 6.67%
AKRON, OH (FHA|USDA|VA) 21 $4,245,000 $202,143 $9,091 7.03%
LAS CRUCES, NM (FHA|USDA|VA) 15 $4,135,000 $275,667 $7,856 6.66%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 13 $3,945,000 $303,462 $10,423 6.06%
LANSING-EAST LANSING, MI (FHA|USDA|VA) 19 $3,685,000 $193,947 $6,117 6.19%
RICHMOND, VA (FHA|USDA|VA) 13 $3,515,000 $270,385 $7,266 6.79%
GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 13 $3,415,000 $262,692 $7,030 7.04%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 6 $3,350,000 $558,333 $13,432 6.50%
Augusta-Waterville, ME (FHA|USDA|VA) 12 $3,260,000 $271,667 $6,223 7.23%
Pahrump, NV (FHA|USDA|VA) 13 $3,215,000 $247,308 $9,852 6.52%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 14 $3,200,000 $228,571 $8,247 7.84%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 12 $3,160,000 $263,333 $9,234 5.31%
FRESNO, CA (FHA|USDA|VA) 9 $3,005,000 $333,889 $10,703 6.77%
SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 2 $2,910,000 $1,455,000 $12,209 6.75%
STOCKTON, CA (FHA|USDA|VA) 6 $2,710,000 $451,667 $11,324 6.62%
Chillicothe, OH (FHA|USDA|VA) 17 $2,635,000 $155,000 $8,533 6.65%
HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 19 $2,625,000 $138,158 $3,784 5.09%
EL PASO, TX (FHA|USDA|VA) 10 $2,550,000 $255,000 $11,347 6.80%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 5 $2,385,000 $477,000 $10,753 6.53%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 11 $2,375,000 $215,909 $9,766 7.03%
BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 13 $2,365,000 $181,923 $7,729 7.39%
COLUMBUS, OH (FHA|USDA|VA) 10 $2,330,000 $233,000 $9,554 7.21%
MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) 8 $2,320,000 $290,000 $7,666 6.86%
TOLEDO, OH (FHA|USDA|VA) 12 $2,310,000 $192,500 $8,734 7.35%
KANKAKEE, IL (FHA|USDA|VA) 14 $2,160,000 $154,286 $7,020 5.94%
FAYETTEVILLE, NC (FHA|USDA|VA) 8 $2,110,000 $263,750 $6,564 7.39%
CORPUS CHRISTI, TX (FHA|USDA|VA) 7 $2,075,000 $296,429 $12,809 6.96%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 5 $1,785,000 $357,000 $17,247 6.23%
Del Rio, TX (FHA|USDA|VA) 10 $1,740,000 $174,000 $8,832 7.25%
OKLAHOMA CITY, OK (FHA|USDA|VA) 5 $1,635,000 $327,000 $13,340 6.53%
Tullahoma-Manchester, TN (FHA|USDA|VA) 7 $1,625,000 $232,143 $7,043 5.41%
FOND DU LAC, WI (FHA|USDA|VA) 9 $1,605,000 $178,333 $5,813 6.82%
TUCSON, AZ (FHA|USDA|VA) 7 $1,545,000 $220,714 $8,694 6.39%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 7 $1,535,000 $219,286 $6,078 6.05%
Holland, MI (FHA|USDA|VA) 7 $1,455,000 $207,857 $7,641 7.09%
KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) 5 $1,435,000 $287,000 $7,188 6.70%
COLUMBIA, MO (FHA|USDA|VA) 4 $1,400,000 $350,000 $7,950 6.94%
SPARTANBURG, SC (FHA|USDA|VA) 6 $1,370,000 $228,333 $11,775 6.73%
PUNTA GORDA, FL (FHA|USDA|VA) 5 $1,355,000 $271,000 $7,394 5.88%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 4 $1,320,000 $330,000 $3,693 7.62%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 2 $1,300,000 $650,000 $7,718 6.38%
WILMINGTON, NC (FHA|USDA|VA) 3 $1,285,000 $428,333 $8,901 6.96%
Traverse City, MI (FHA|USDA|VA) 4 $1,250,000 $312,500 $9,691 6.91%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 3 $1,235,000 $411,667 $4,366 6.16%
GREELEY, CO (FHA|USDA|VA) 3 $1,215,000 $405,000 $12,434 8.04%
DAYTON-KETTERING, OH (FHA|USDA|VA) 5 $1,195,000 $239,000 $9,537 6.90%
SALISBURY, MD-DE (FHA|USDA|VA) 4 $1,160,000 $290,000 $7,429 6.94%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 4 $1,160,000 $290,000 $11,243 6.53%
Albemarle, NC (FHA|USDA|VA) 4 $1,120,000 $280,000 $12,558 6.72%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 6 $1,120,000 $186,667 $9,107 6.85%
SHEBOYGAN, WI (FHA|USDA|VA) 9 $1,105,000 $122,778 $4,073 6.43%
Sanford, NC (FHA|USDA|VA) 3 $1,085,000 $361,667 $7,234 7.08%
THE VILLAGES, FL (FHA|USDA|VA) 6 $1,050,000 $175,000 $5,375 5.38%
BATTLE CREEK, MI (FHA|USDA|VA) 5 $1,045,000 $209,000 $6,372 6.99%
SEBRING-AVON PARK, FL (FHA|USDA|VA) 4 $1,040,000 $260,000 $11,052 6.72%
AUBURN-OPELIKA, AL (FHA|USDA|VA) 1 $985,000 $985,000 $37,761 6.13%
PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 3 $985,000 $328,333 $6,795 7.29%
SAGINAW, MI (FHA|USDA|VA) 5 $965,000 $193,000 $6,070 6.68%
OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 2 $940,000 $470,000 $11,145 7.31%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 3 $935,000 $311,667 $9,294 7.08%
HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 4 $930,000 $232,500 $6,893 6.78%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 5 $925,000 $185,000 $9,862 8.15%
Beaver Dam, WI (FHA|USDA|VA) 3 $915,000 $305,000 $5,830 6.88%
FLAGSTAFF, AZ (FHA|USDA|VA) 2 $880,000 $440,000 $18,773 5.69%
NILES, MI (FHA|USDA|VA) 3 $835,000 $278,333 $9,166 6.16%
VISALIA, CA (FHA|USDA|VA) 4 $790,000 $197,500 $8,776 6.90%
OSHKOSH-NEENAH, WI (FHA|USDA|VA) 4 $780,000 $195,000 $5,061 6.97%
AMARILLO, TX (FHA|USDA|VA) 3 $765,000 $255,000 $11,487 8.71%
Jackson, OH (FHA|USDA|VA) 5 $765,000 $153,000 $8,013 7.33%
Okeechobee, FL (FHA|USDA|VA) 4 $750,000 $187,500 $4,140 4.81%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 1 $745,000 $745,000 $14,073 6.63%
WINSTON-SALEM, NC (FHA|USDA|VA) 3 $745,000 $248,333 $8,297 6.71%
MADERA, CA (FHA|USDA|VA) 2 $730,000 $365,000 $11,576 6.38%
KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 2 $710,000 $355,000 $13,250 7.12%
SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 1 $695,000 $695,000 $12,340 6.63%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 2 $660,000 $330,000 $7,774 6.69%
Shelbyville, TN (FHA|USDA|VA) 3 $655,000 $218,333 $9,323 7.54%
LEWISTON-AUBURN, ME (FHA|USDA|VA) 2 $650,000 $325,000 $5,210 7.31%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 1 $635,000 $635,000 $3,529 6.99%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 2 $630,000 $315,000 $4,709 7.25%
LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 3 $625,000 $208,333 $5,342 7.08%
SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) 2 $610,000 $305,000 $7,929 6.63%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 2 $610,000 $305,000 $11,673 6.88%
LAWTON, OK (FHA|USDA|VA) 4 $610,000 $152,500 $9,183 7.06%
MUSKEGON, MI (FHA|USDA|VA) 6 $600,000 $100,000 $3,905 4.42%
Big Rapids, MI (FHA|USDA|VA) 2 $590,000 $295,000 $12,194 6.25%
Kinston, NC (FHA|USDA|VA) 1 $585,000 $585,000 $10,218 6.75%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 1 $535,000 $535,000 $21,043 6.13%
Blackfoot, ID (FHA|USDA|VA) 1 $515,000 $515,000 $3,133 4.88%
READING, PA (FHA|USDA|VA) 1 $515,000 $515,000 $23,854 5.50%
TULSA, OK (FHA|USDA|VA) 2 $510,000 $255,000 $8,263 6.63%
RENO, NV (FHA|USDA|VA) 3 $505,000 $168,333 $3,752 8.71%
IDAHO FALLS, ID (FHA|USDA|VA) 1 $505,000 $505,000 $6,337 7.50%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 1 $485,000 $485,000 $6,681 7.50%
LONGVIEW, WA (FHA|USDA|VA) 1 $485,000 $485,000 $10,059 6.50%
SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 1 $475,000 $475,000 $12,151 6.13%
YAKIMA, WA (FHA|USDA|VA) 2 $470,000 $235,000 $9,943 6.63%
LYNCHBURG, VA (FHA|USDA|VA) 2 $470,000 $235,000 $5,103 7.75%
BOULDER, CO (FHA|USDA|VA) 1 $465,000 $465,000 $2,921 7.63%
ABILENE, TX (FHA|USDA|VA) 2 $460,000 $230,000 $8,991 7.38%
Cookeville, TN (FHA|USDA|VA) 1 $455,000 $455,000 $5,522 7.99%
Show Low, AZ (FHA|USDA|VA) 1 $455,000 $455,000 $6,116 5.99%
MIDLAND, TX (FHA|USDA|VA) 1 $445,000 $445,000 $25,852 6.38%
JANESVILLE-BELOIT, WI (FHA|USDA|VA) 1 $445,000 $445,000 $2,678 7.13%
BOISE CITY, ID (FHA|USDA|VA) 1 $425,000 $425,000 $7,536 6.63%
Marion, OH (FHA|USDA|VA) 3 $425,000 $141,667 $3,840 7.63%
Eureka-Arcata, CA (FHA|USDA|VA) 1 $425,000 $425,000 $22,273 5.50%
Warsaw, IN (FHA|USDA|VA) 1 $425,000 $425,000 $3,210 6.63%
Athens, TX (FHA|USDA|VA) 2 $420,000 $210,000 $6,810 6.81%
Corsicana, TX (FHA|USDA|VA) 2 $420,000 $210,000 $8,827 8.75%
GAINESVILLE, FL (FHA|USDA|VA) 5 $415,000 $83,000 $3,009 6.18%
Elizabeth City, NC (FHA|USDA|VA) 1 $405,000 $405,000 $19,868 6.63%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 1 $405,000 $405,000 $11,960 6.63%
Hillsdale, MI (FHA|USDA|VA) 3 $395,000 $131,667 $4,592 6.79%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 1 $385,000 $385,000 $13,945 6.00%
ROCKY MOUNT, NC (FHA|USDA|VA) 2 $380,000 $190,000 $8,486 6.38%
ST. LOUIS, MO-IL (FHA|USDA|VA) 2 $380,000 $190,000 $4,565 7.25%
Kalispell, MT (FHA|USDA|VA) 1 $365,000 $365,000 $9,640 6.38%
BATON ROUGE, LA (FHA|USDA|VA) 1 $355,000 $355,000 $12,231 6.63%
Wauchula, FL (FHA|USDA|VA) 4 $350,000 $87,500 $3,118 3.56%
Ottawa, IL (FHA|USDA|VA) 2 $350,000 $175,000 $8,816 6.81%
BELLINGHAM, WA (FHA|USDA|VA) 1 $345,000 $345,000 $7,998 6.63%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 1 $345,000 $345,000 $6,968 7.63%
SPRINGFIELD, OH (FHA|USDA|VA) 2 $340,000 $170,000 $10,260 7.88%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 1 $335,000 $335,000 $5,665 5.88%
Sonora, CA (FHA|USDA|VA) 1 $335,000 $335,000 $12,667 6.88%
HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) 2 $330,000 $165,000 $4,465 6.81%
ANNISTON-OXFORD, AL (FHA|USDA|VA) 2 $320,000 $160,000 $4,782 8.13%
Bonham, TX (FHA|USDA|VA) 1 $315,000 $315,000 $13,045 8.13%
MANSFIELD, OH (FHA|USDA|VA) 2 $310,000 $155,000 $9,604 7.31%
PUEBLO, CO (FHA|USDA|VA) 2 $310,000 $155,000 $6,951 8.75%
PANAMA CITY, FL (FHA|USDA|VA) 1 $305,000 $305,000 $11,236 6.88%
GOLDSBORO, NC (FHA|USDA|VA) 1 $305,000 $305,000 $10,186 6.13%
Ashland, OH (FHA|USDA|VA) 1 $295,000 $295,000 $14,541 6.63%
PITTSBURGH, PA (FHA|USDA|VA) 1 $295,000 $295,000 $7,867 7.25%
HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 2 $290,000 $145,000 $7,231 6.63%
NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 2 $280,000 $140,000 $6,379 8.75%
Frankfort, KY (FHA|USDA|VA) 1 $275,000 $275,000 $16,034 6.88%
Marinette, WI-MI (FHA|USDA|VA) 2 $270,000 $135,000 $4,325 7.19%
BURLINGTON, NC (FHA|USDA|VA) 1 $265,000 $265,000 $10,915 7.13%
BISMARCK, ND (FHA|USDA|VA) 1 $265,000 $265,000 $7,788 6.63%
Opelousas, LA (FHA|USDA|VA) 2 $260,000 $130,000 $6,991 7.75%
Clewiston, FL (FHA|USDA|VA) 2 $260,000 $130,000 $2,582 3.13%
Coldwater, MI (FHA|USDA|VA) 1 $255,000 $255,000 $11,106 6.50%
Alpena, MI (FHA|USDA|VA) 2 $250,000 $125,000 $5,334 7.50%
COLUMBIA, SC (FHA|USDA|VA) 1 $245,000 $245,000 $9,689 6.50%
Gainesville, TX (FHA|USDA|VA) 1 $245,000 $245,000 $8,839 7.88%
BAKERSFIELD, CA (FHA|USDA|VA) 2 $240,000 $120,000 $5,198 9.25%
ROCKFORD, IL (FHA|USDA|VA) 2 $240,000 $120,000 $4,769 7.38%
Kingsville, TX (FHA|USDA|VA) 1 $235,000 $235,000 $13,086 6.99%
GADSDEN, AL (FHA|USDA|VA) 1 $235,000 $235,000 $5,495 6.13%
Wisconsin Rapids-Marshfield, WI (FHA|USDA|VA) 1 $235,000 $235,000 $3,931 6.63%
ST. GEORGE, UT (FHA|USDA|VA) 1 $235,000 $235,000 $3,478 6.63%
Alexandria, MN (FHA|USDA|VA) 1 $225,000 $225,000 $7,076 7.38%
MOBILE, AL (FHA|USDA|VA) 1 $225,000 $225,000 $4,198 6.99%
SALT LAKE CITY, UT (FHA|USDA|VA) 1 $225,000 $225,000 $5,272 6.99%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 1 $225,000 $225,000 $7,816 8.13%
HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 1 $225,000 $225,000 $8,659 6.25%
YORK-HANOVER, PA (FHA|USDA|VA) 1 $225,000 $225,000 $4,652 6.13%
LAFAYETTE, LA (FHA|USDA|VA) 3 $225,000 $75,000 $2,665 8.04%
Lake City, FL (FHA|USDA|VA) 2 $220,000 $110,000 $4,141 8.38%
WACO, TX (FHA|USDA|VA) 1 $215,000 $215,000 $7,981 6.50%
Shawano, WI (FHA|USDA|VA) 1 $215,000 $215,000 $9,260 7.13%
Portsmouth, OH (FHA|USDA|VA) 3 $205,000 $68,333 $6,069 5.13%
MIDLAND, MI (FHA|USDA|VA) 1 $205,000 $205,000 $3,637 7.38%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 1 $205,000 $205,000 $8,969 7.50%
Sebastian-Vero Beach, FL (FHA|USDA|VA) 1 $195,000 $195,000 $7,941 7.63%
SIOUX CITY, IA-NE-SD (FHA|USDA|VA) 2 $190,000 $95,000 $3,259 8.75%
WICHITA, KS (FHA|USDA|VA) 2 $190,000 $95,000 $5,136 8.38%
Morehead City, NC (FHA|USDA|VA) 1 $185,000 $185,000 $5,894 6.99%
WICHITA FALLS, TX (FHA|USDA|VA) 1 $185,000 $185,000 $8,304 6.75%
Huntsville, TX (FHA|USDA|VA) 2 $180,000 $90,000 $2,779 8.38%
TALLAHASSEE, FL (FHA|USDA|VA) 2 $180,000 $90,000 $0 3.50%
CANTON-MASSILLON, OH (FHA|USDA|VA) 1 $175,000 $175,000 $11,499 6.75%
JEFFERSON CITY, MO (FHA|USDA|VA) 1 $175,000 $175,000 $3,212 6.99%
IOWA CITY, IA (FHA|USDA|VA) 1 $165,000 $165,000 $2,905 7.50%
BLOOMINGTON, IL (FHA|USDA|VA) 1 $165,000 $165,000 $4,912 6.88%
Crossville, TN (FHA|USDA|VA) 1 $165,000 $165,000 $7,221 7.50%
Sault Ste. Marie, MI (FHA|USDA|VA) 1 $165,000 $165,000 $6,477 7.13%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 1 $165,000 $165,000 $6,638 7.99%
Henderson, NC (FHA|USDA|VA) 1 $165,000 $165,000 $6,893 7.13%
Ada, OK (FHA|USDA|VA) 1 $155,000 $155,000 $7,771 7.13%
KNOXVILLE, TN (FHA|USDA|VA) 1 $155,000 $155,000 $8,446 7.25%
Shelton, WA (FHA|USDA|VA) 1 $155,000 $155,000 $8,697 6.63%
Sandusky, OH (FHA|USDA|VA) 1 $155,000 $155,000 $6,520 6.88%
Manitowoc, WI (FHA|USDA|VA) 1 $155,000 $155,000 $9,388 6.38%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 1 $155,000 $155,000 $2,115 7.13%
Fallon, NV (FHA|USDA|VA) 1 $155,000 $155,000 $3,418 6.99%
Nogales, AZ (FHA|USDA|VA) 1 $135,000 $135,000 $4,690 5.88%
FORT WAYNE, IN (FHA|USDA|VA) 1 $135,000 $135,000 $6,926 7.00%
Ashtabula, OH (FHA|USDA|VA) 1 $135,000 $135,000 $9,100 6.75%
Shawnee, OK (FHA|USDA|VA) 2 $130,000 $65,000 $3,694 8.50%
EVANSVILLE, IN-KY (FHA|USDA|VA) 2 $130,000 $65,000 $3,147 3.63%
COLORADO SPRINGS, CO (FHA|USDA|VA) 1 $125,000 $125,000 $4,336 5.88%
SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 1 $125,000 $125,000 $5,531 7.13%
Ruidoso, NM (FHA|USDA|VA) 1 $125,000 $125,000 $7,250 6.63%
KOKOMO, IN (FHA|USDA|VA) 1 $115,000 $115,000 $2,757 7.13%
Susanville, CA (FHA|USDA|VA) 1 $115,000 $115,000 $5,705 6.13%
Platteville, WI (FHA|USDA|VA) 1 $115,000 $115,000 $4,166 5.63%
GREENVILLE, NC (FHA|USDA|VA) 1 $105,000 $105,000 $7,495 6.63%
Alma, MI (FHA|USDA|VA) 1 $105,000 $105,000 $4,620 6.38%
EAU CLAIRE, WI (FHA|USDA|VA) 1 $105,000 $105,000 $0 7.50%
Willmar, MN (FHA|USDA|VA) 1 $105,000 $105,000 $0 6.99%
Bradford, PA (FHA|USDA|VA) 1 $85,000 $85,000 $3,401 7.13%
Vicksburg, MS (FHA|USDA|VA) 1 $85,000 $85,000 $5,296 6.75%
Gold Star Mortgage Financial Group Corporation's top markets include Detroit, Miami, Chicago, Phoenix, and Ann Arbor among others.

Their top states include:
  • Michigan (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • California (FHA|USDA|VA)
  • Arizona (FHA|USDA|VA)
  • North Carolina (FHA|USDA|VA)
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 2,520 $704,910,000 $279,726 $6,059 6.55%
    FHA 1,189 $332,725,000 $279,836 $11,825 6.69%
    VA 296 $109,480,000 $369,865 $10,745 6.43%
    USDA 61 $12,945,000 $212,213 $7,640 6.56%

    For 2023, Gold Star Mortgage Financial Group Corporation's most frequently originated type of loan was Conventional, with 2,520 originations. Their 2nd most popular type was FHA, with 1,189 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 3,839 $1,095,705,000 $285,414 $8,132 6.56%
    Cash Out Refi 161 $47,025,000 $292,081 $8,734 7.14%
    Refi 58 $14,950,000 $257,759 $6,417 6.80%
    Home Improvement 8 $2,380,000 $297,500 $7,294 7.14%

    For 2023, Gold Star Mortgage Financial Group Corporation's most frequently cited loan purpose was Home Purchase, with 3,839 originations. The 2nd most popular reason was Cash Out Refi, with 161 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 3,798 $1,137,660,000 $299,542 $8,592 6.58%
    10 Year 139 $1,585,000 $11,403 $103 9.33%
    Other 53 $1,755,000 $33,113 $680 0.51%
    15 Year 51 $13,765,000 $269,902 $5,007 6.20%
    20 Year 21 $5,275,000 $251,190 $4,883 7.03%
    5 Year 4 $20,000 $5,000 $0 0.00%

    For 2023, Gold Star Mortgage Financial Group Corporation's most frequently cited loan duration was 30 Year, with 3,798 originations. The 2nd most popular length was 10 Year, with 139 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $5k+ 1,170 $454,500,000 $388,462
    $<1k 757 $135,385,000 $178,844
    $1k-2k 703 $213,125,000 $303,165
    $3k-4k 511 $124,645,000 $243,924
    $2k-3k 475 $108,665,000 $228,768
    $4k-5k 414 $117,260,000 $283,237

    Gold Star Mortgage Financial Group Corporation's average total fees were $8,592, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 1,170 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    6-7% 1,887 $589,125,000 $312,202
    7-8% 1,255 $362,965,000 $289,215
    5-6% 432 $160,170,000 $370,764
    Over 8% 262 $37,790,000 $144,237
    <2.5% 213 $3,075,000 $14,437
    4-5% 17 $6,935,000 $407,941

    During 2023, Gold Star Mortgage Financial Group Corporation's average interest rate for loans was 6.58%, while their most frequently originated rate bucket for loans was 6-7%, with 1,887 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 1,793 $521,395,000 $290,795 $8,968 6.83%
    $100k-200k 890 $139,130,000 $156,326 $6,189 7.00%
    $400k-600k 693 $329,435,000 $475,375 $11,580 6.68%
    $100,000 or less 492 $15,480,000 $31,463 $1,365 4.73%
    $600k-1MM 182 $128,430,000 $705,659 $13,270 6.72%
    $1MM+ 16 $26,190,000 $1,636,875 $18,089 6.76%

    2023 saw Gold Star Mortgage Financial Group Corporation place emphasis on $200k-400k loans with 1,793 originations, totaling $521,395,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 1,013 $318,615,000 $314,526 $9,059 6.62%
    $50k-75k 921 $168,765,000 $183,241 $6,636 6.42%
    $75k-100k 850 $207,100,000 $243,647 $7,958 6.50%
    $150k-250k 648 $264,190,000 $407,701 $9,805 6.87%
    $50k or less 361 $49,415,000 $136,884 $5,515 6.34%
    $250k+ 269 $150,545,000 $559,647 $9,845 6.88%

    Gold Star Mortgage Financial Group Corporation lent most frequently to those with incomes in the $100k-150k range, with 1,013 originations. The second most popular income band? $50k-75k, with 921 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    50-60% 562 $173,020,000 $307,865 $12,061 6.73%
    30-36% 540 $148,370,000 $274,759 $6,934 6.48%
    20-30% 486 $137,430,000 $282,778 $7,080 6.62%
    49% 231 $72,825,000 $315,260 $8,478 6.89%
    44% 195 $53,705,000 $275,410 $8,470 6.51%
    42% 183 $51,565,000 $281,776 $7,174 6.25%
    45% 175 $51,255,000 $292,886 $7,822 6.53%
    43% 173 $49,825,000 $288,006 $8,032 6.50%
    41% 166 $46,240,000 $278,554 $7,794 6.61%
    47% 166 $48,290,000 $290,904 $8,689 6.79%
    48% 165 $48,715,000 $295,242 $7,946 6.76%
    46% 158 $42,440,000 $268,608 $8,381 6.75%
    39% 151 $44,695,000 $295,993 $7,426 6.62%
    37% 148 $35,610,000 $240,608 $6,665 6.42%
    38% 139 $39,355,000 $283,129 $6,951 6.34%
    40% 135 $33,655,000 $249,296 $7,251 6.49%
    <20% 129 $33,055,000 $256,240 $4,723 6.11%
    36% 106 $30,500,000 $287,736 $7,747 6.44%
    >60% 23 $9,635,000 $418,913 $11,137 6.01%

    Gold Star Mortgage Financial Group Corporation lent most frequently to those with DTI ratios of 50-60%, with 562 originations. The next most common DTI ratio? 30-36%, with 540 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 2,724 $782,320,000 $287,195 $8,049 6.62%
    Not provided 642 $199,730,000 $311,106 $8,245 6.62%
    Black 499 $108,485,000 $217,405 $7,988 6.27%
    Asian Indian 48 $18,730,000 $390,208 $10,328 6.85%
    Asian 33 $12,345,000 $374,091 $8,276 7.17%
    Vietnamese 26 $8,920,000 $343,077 $9,488 7.02%
    Filipino 24 $7,590,000 $316,250 $9,429 6.70%
    Other Asian 24 $6,470,000 $269,583 $6,736 6.15%
    Chinese 13 $5,485,000 $421,923 $7,867 6.79%
    American Indian 20 $5,340,000 $267,000 $10,402 5.64%
    Korean 8 $3,010,000 $376,250 $13,617 6.80%
    Japanese 3 $845,000 $281,667 $4,686 7.45%
    Native Hawaiian 1 $515,000 $515,000 $3,133 4.88%
    Other Pacific Islander 1 $275,000 $275,000 $7,221 6.88%

    Approval Rates

    Total approvals of all applications
    96.38%

    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
    52.56%

    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
    0.0 4 $20,000 $5,000
    NA 4,062 $1,160,040,000 $285,583

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    4,066 $1,160,060,000 $285,307

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 83 $17,595,000 $211,988 $5,842 6.67%
    40-60% 215 $55,545,000 $258,349 $6,494 6.88%
    60-80% 775 $258,045,000 $332,961 $7,896 7.00%
    80-100% 2,558 $793,610,000 $310,246 $9,261 6.82%
    Over 100% 73 $30,005,000 $411,027 $17,538 6.37%
    Under 20% 362 $5,260,000 $14,530 $151 3.88%