Gold Star Mortgage Financial Group Corporation Rates, Fees & Info

PLYMOUTH, MI

LEI: 5493002Y5XYV7DV1ZV88

Tax ID: 38-3564305

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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    • 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, Nashville, Chicago, and Sacramento among others. We have data for 162 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.

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    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    30 Year Conventional Purchase 6.93% 12/17/24
    30 Year Conventional Refi 6.64% 12/17/24
    30 Year Cash-out Refi 6.98% 12/17/24
    30 Year FHA Purchase 7.50% 12/17/24
    30 Year FHA Refi 7.30% 12/17/24
    30 Year VA Purchase 6.22% 12/17/24
    30 Year VA Refi 5.99% 12/17/24
    30 Year USDA Purchase 6.85% 12/17/24
    30 Year USDA Refi 7.30% 12/17/24
    15 Year Conventional Purchase 6.10% 12/17/24
    15 Year Conventional Refi 6.19% 12/17/24
    15 Year Cash-out Refi 6.19% 12/17/24
    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

    5,453

    Origination Dollar Volume (All Markets)

    $1,308,835,000
    Show all (13) awards

    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) 1,412 $281,330,000 $199,242 $3,830 4.36%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 484 $131,060,000 $270,785 $6,931 4.35%
    NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 270 $84,280,000 $312,148 $4,726 3.97%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 391 $76,315,000 $195,179 $4,949 3.96%
    SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 176 $64,520,000 $366,591 $4,298 4.28%
    ANN ARBOR, MI (FHA|USDA|VA) 240 $62,040,000 $258,500 $3,116 4.21%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 207 $57,525,000 $277,899 $7,039 4.12%
    LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 199 $52,645,000 $264,548 $5,749 4.40%
    Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 111 $45,415,000 $409,144 $6,259 4.36%
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 148 $34,130,000 $230,608 $7,580 4.48%
    MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 121 $31,495,000 $260,289 $5,447 4.47%
    CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 191 $31,075,000 $162,696 $5,759 4.37%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 109 $26,215,000 $240,505 $5,428 4.26%
    Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 46 $24,810,000 $539,348 $5,597 4.22%
    MERCED, CA (FHA|USDA|VA) 98 $21,890,000 $223,367 $5,358 4.50%
    RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 66 $19,220,000 $291,212 $5,306 4.48%
    GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 94 $17,250,000 $183,511 $4,100 4.29%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 83 $16,875,000 $203,313 $6,883 4.38%
    Outside of Metro Areas 88 $13,860,000 $157,500 $4,140 4.34%
    CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 41 $12,375,000 $301,829 $5,588 4.13%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 54 $11,330,000 $209,815 $5,674 4.37%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 39 $10,705,000 $274,487 $6,244 4.28%
    Adrian, MI (FHA|USDA|VA) 58 $9,890,000 $170,517 $3,325 4.42%
    OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 18 $9,030,000 $501,667 $6,250 4.11%
    REDDING, CA (FHA|USDA|VA) 31 $8,955,000 $288,871 $4,220 4.26%
    BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 41 $8,075,000 $196,951 $4,744 4.70%
    JACKSON, MI (FHA|USDA|VA) 42 $7,460,000 $177,619 $4,355 4.40%
    FLINT, MI (FHA|USDA|VA) 41 $7,195,000 $175,488 $4,333 4.39%
    SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 11 $6,205,000 $564,091 $3,878 4.30%
    MONROE, MI (FHA|USDA|VA) 35 $6,175,000 $176,429 $3,500 4.34%
    PORT ST. LUCIE, FL (FHA|USDA|VA) 23 $5,835,000 $253,696 $7,283 4.63%
    HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 34 $5,710,000 $167,941 $5,981 3.80%
    San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 13 $5,055,000 $388,846 $3,037 4.17%
    LANSING-EAST LANSING, MI (FHA|USDA|VA) 27 $4,965,000 $183,889 $4,245 4.38%
    PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 15 $4,925,000 $328,333 $4,239 4.02%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 17 $4,735,000 $278,529 $6,935 4.35%
    SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 11 $4,595,000 $417,727 $5,679 4.42%
    JACKSONVILLE, FL (FHA|USDA|VA) 19 $4,395,000 $231,316 $6,834 4.36%
    Sonora, CA (FHA|USDA|VA) 9 $3,015,000 $335,000 $4,323 4.67%
    Hillsdale, MI (FHA|USDA|VA) 14 $2,870,000 $205,000 $4,852 4.33%
    Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 7 $2,865,000 $409,286 $14,145 3.75%
    MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) 14 $2,520,000 $180,000 $3,365 4.06%
    MODESTO, CA (FHA|USDA|VA) 9 $2,485,000 $276,111 $5,453 4.14%
    AKRON, OH (FHA|USDA|VA) 12 $2,280,000 $190,000 $7,388 4.46%
    Holland, MI (FHA|USDA|VA) 13 $2,155,000 $165,769 $5,217 4.45%
    STOCKTON, CA (FHA|USDA|VA) 6 $2,080,000 $346,667 $4,202 4.08%
    PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 10 $2,000,000 $200,000 $4,169 4.16%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 7 $1,945,000 $277,857 $3,811 4.46%
    SALINAS, CA (FHA|USDA|VA) 4 $1,920,000 $480,000 $2,943 4.31%
    KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) 11 $1,715,000 $155,909 $4,486 4.23%
    Tullahoma-Manchester, TN (FHA|USDA|VA) 9 $1,705,000 $189,444 $5,788 4.41%
    AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 6 $1,670,000 $278,333 $5,192 4.19%
    NILES, MI (FHA|USDA|VA) 8 $1,650,000 $206,250 $4,404 4.29%
    VALLEJO, CA (FHA|USDA|VA) 4 $1,600,000 $400,000 $5,649 4.37%
    LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 8 $1,550,000 $193,750 $4,508 4.47%
    RALEIGH-CARY, NC (FHA|USDA|VA) 4 $1,460,000 $365,000 $1,783 3.94%
    SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 3 $1,245,000 $415,000 $5,908 3.91%
    MADERA, CA (FHA|USDA|VA) 5 $1,235,000 $247,000 $5,748 4.48%
    OCALA, FL (FHA|USDA|VA) 4 $1,110,000 $277,500 $5,283 4.03%
    DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 5 $1,065,000 $213,000 $4,845 4.25%
    YUBA CITY, CA (FHA|USDA|VA) 3 $1,005,000 $335,000 $5,028 4.71%
    PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 4 $990,000 $247,500 $6,143 4.19%
    FLAGSTAFF, AZ (FHA|USDA|VA) 3 $985,000 $328,333 $4,118 4.13%
    Traverse City, MI (FHA|USDA|VA) 6 $960,000 $160,000 $3,553 4.39%
    COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 5 $955,000 $191,000 $7,266 4.50%
    COLUMBUS, OH (FHA|USDA|VA) 3 $875,000 $291,667 $2,267 4.79%
    SAGINAW, MI (FHA|USDA|VA) 6 $820,000 $136,667 $4,460 4.14%
    BATTLE CREEK, MI (FHA|USDA|VA) 5 $765,000 $153,000 $3,660 4.80%
    FAYETTEVILLE, NC (FHA|USDA|VA) 2 $740,000 $370,000 $1,776 4.13%
    CHICO, CA (FHA|USDA|VA) 3 $725,000 $241,667 $4,409 4.75%
    MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 3 $705,000 $235,000 $4,065 4.00%
    GRANTS PASS, OR (FHA|USDA|VA) 3 $705,000 $235,000 $3,001 4.29%
    Sebastian-Vero Beach, FL (FHA|USDA|VA) 3 $695,000 $231,667 $4,884 4.16%
    McMinnville, TN (FHA|USDA|VA) 2 $680,000 $340,000 $2,722 4.63%
    HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 2 $670,000 $335,000 $1,679 5.19%
    SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 1 $665,000 $665,000 $4,274 3.75%
    SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 1 $645,000 $645,000 $3,505 3.88%
    Newport, OR (FHA|USDA|VA) 2 $640,000 $320,000 $4,499 4.25%
    Eureka-Arcata, CA (FHA|USDA|VA) 2 $640,000 $320,000 $9,186 4.88%
    FRESNO, CA (FHA|USDA|VA) 2 $630,000 $315,000 $3,633 3.94%
    WINCHESTER, VA-WV (FHA|USDA|VA) 3 $615,000 $205,000 $6,920 3.71%
    KANKAKEE, IL (FHA|USDA|VA) 3 $605,000 $201,667 $6,001 3.92%
    THE VILLAGES, FL (FHA|USDA|VA) 2 $580,000 $290,000 $5,127 3.94%
    MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 2 $580,000 $290,000 $3,323 3.62%
    Mount Pleasant, MI (FHA|USDA|VA) 4 $570,000 $142,500 $4,721 4.00%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 3 $565,000 $188,333 $2,940 5.25%
    OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 2 $550,000 $275,000 $6,568 4.19%
    MUSKEGON, MI (FHA|USDA|VA) 4 $540,000 $135,000 $3,069 4.50%
    Red Bluff, CA (FHA|USDA|VA) 3 $535,000 $178,333 $4,826 4.12%
    INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 3 $525,000 $175,000 $2,683 4.08%
    BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 1 $485,000 $485,000 $6,807 4.38%
    Truckee-Grass Valley, CA (FHA|USDA|VA) 1 $485,000 $485,000 $2,433 3.63%
    Ludington, MI (FHA|USDA|VA) 2 $460,000 $230,000 $1,508 3.93%
    Aberdeen, WA (FHA|USDA|VA) 2 $450,000 $225,000 $6,001 3.94%
    CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 1 $385,000 $385,000 $1,922 3.88%
    PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 1 $375,000 $375,000 $10,381 4.63%
    GAINESVILLE, FL (FHA|USDA|VA) 2 $370,000 $185,000 $8,705 4.38%
    MEMPHIS, TN-MS-AR (FHA|USDA|VA) 1 $315,000 $315,000 $9,516 3.38%
    CLARKSVILLE, TN-KY (FHA|USDA|VA) 2 $310,000 $155,000 $5,558 4.06%
    LONGVIEW, TX (FHA|USDA|VA) 2 $310,000 $155,000 $7,177 4.38%
    Big Rapids, MI (FHA|USDA|VA) 2 $310,000 $155,000 $5,333 3.93%
    TOLEDO, OH (FHA|USDA|VA) 2 $310,000 $155,000 $2,966 3.68%
    GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 1 $305,000 $305,000 $5,710 5.75%
    Iron Mountain, MI-WI (FHA|USDA|VA) 2 $300,000 $150,000 $6,613 4.06%
    SALEM, OR (FHA|USDA|VA) 1 $295,000 $295,000 $5,479 4.38%
    BAKERSFIELD, CA (FHA|USDA|VA) 1 $295,000 $295,000 $2,041 3.99%
    CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) 1 $295,000 $295,000 $10,049 3.63%
    Sevierville, TN (FHA|USDA|VA) 2 $280,000 $140,000 $4,454 3.81%
    SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 2 $280,000 $140,000 $3,560 3.75%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 1 $275,000 $275,000 $4,100 4.13%
    Lewisburg, TN (FHA|USDA|VA) 1 $275,000 $275,000 $8,193 4.50%
    YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 2 $270,000 $135,000 $4,272 4.43%
    Sturgis, MI (FHA|USDA|VA) 2 $270,000 $135,000 $4,415 4.56%
    Ellensburg, WA (FHA|USDA|VA) 1 $265,000 $265,000 $4,248 4.50%
    Grand Rapids, MN (FHA|USDA|VA) 1 $265,000 $265,000 $5,396 3.99%
    CARSON CITY, NV (FHA|USDA|VA) 1 $265,000 $265,000 $10,328 4.99%
    PUNTA GORDA, FL (FHA|USDA|VA) 2 $260,000 $130,000 $3,852 5.00%
    Palatka, FL (FHA|USDA|VA) 1 $245,000 $245,000 $7,987 3.99%
    KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 1 $245,000 $245,000 $3,863 4.13%
    TUCSON, AZ (FHA|USDA|VA) 1 $245,000 $245,000 $9,966 5.00%
    YAKIMA, WA (FHA|USDA|VA) 1 $235,000 $235,000 $3,136 3.88%
    DAYTON-KETTERING, OH (FHA|USDA|VA) 1 $235,000 $235,000 $3,989 4.50%
    Pahrump, NV (FHA|USDA|VA) 1 $235,000 $235,000 $3,621 3.99%
    Red Wing, MN (FHA|USDA|VA) 1 $225,000 $225,000 $5,730 4.50%
    Troy, AL (FHA|USDA|VA) 1 $225,000 $225,000 $7,247 4.13%
    MIDLAND, MI (FHA|USDA|VA) 2 $220,000 $110,000 $2,998 4.63%
    Centralia, WA (FHA|USDA|VA) 1 $215,000 $215,000 $3,305 4.50%
    BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 1 $215,000 $215,000 $3,884 3.50%
    NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 1 $205,000 $205,000 $2,759 5.50%
    Mitchell, SD (FHA|USDA|VA) 1 $205,000 $205,000 $8,531 5.13%
    Ukiah, CA (FHA|USDA|VA) 1 $205,000 $205,000 $6,958 4.13%
    Kerrville, TX (FHA|USDA|VA) 1 $205,000 $205,000 $10,659 3.99%
    ODESSA, TX (FHA|USDA|VA) 1 $205,000 $205,000 $7,567 4.25%
    Alma, MI (FHA|USDA|VA) 2 $200,000 $100,000 $4,790 4.06%
    Sault Ste. Marie, MI (FHA|USDA|VA) 1 $195,000 $195,000 $932 3.38%
    KNOXVILLE, TN (FHA|USDA|VA) 1 $195,000 $195,000 $5,008 3.99%
    TUSCALOOSA, AL (FHA|USDA|VA) 1 $195,000 $195,000 $7,430 4.99%
    Okeechobee, FL (FHA|USDA|VA) 1 $185,000 $185,000 $8,080 3.99%
    Norwalk, OH (FHA|USDA|VA) 1 $185,000 $185,000 $5,831 3.99%
    Klamath Falls, OR (FHA|USDA|VA) 1 $175,000 $175,000 $3,550 5.75%
    Payson, AZ (FHA|USDA|VA) 1 $155,000 $155,000 $5,564 3.99%
    ELKHART-GOSHEN, IN (FHA|USDA|VA) 1 $155,000 $155,000 $2,158 4.13%
    Clewiston, FL (FHA|USDA|VA) 1 $155,000 $155,000 $6,094 4.88%
    CANTON-MASSILLON, OH (FHA|USDA|VA) 1 $135,000 $135,000 $4,170 4.88%
    Shelbyville, TN (FHA|USDA|VA) 1 $125,000 $125,000 $5,129 4.13%
    Alexandria, MN (FHA|USDA|VA) 1 $125,000 $125,000 $3,447 4.50%
    Sandusky, OH (FHA|USDA|VA) 1 $115,000 $115,000 $3,284 5.88%
    MONTGOMERY, AL (FHA|USDA|VA) 1 $115,000 $115,000 $6,404 5.13%
    FLORENCE, SC (FHA|USDA|VA) 1 $115,000 $115,000 $5,875 3.25%
    ST. CLOUD, MN (FHA|USDA|VA) 1 $115,000 $115,000 $4,401 5.13%
    EL CENTRO, CA (FHA|USDA|VA) 1 $105,000 $105,000 $2,249 4.99%
    SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 1 $95,000 $95,000 $2,617 4.13%
    Coldwater, MI (FHA|USDA|VA) 1 $95,000 $95,000 $768 4.63%
    Alpena, MI (FHA|USDA|VA) 1 $95,000 $95,000 $4,368 4.13%
    DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) 1 $95,000 $95,000 $3,987 4.88%
    Macomb, IL (FHA|USDA|VA) 1 $85,000 $85,000 $5,297 4.63%
    Wooster, OH (FHA|USDA|VA) 1 $85,000 $85,000 $6,044 4.50%
    FORT WAYNE, IN (FHA|USDA|VA) 1 $85,000 $85,000 $2,460 4.50%
    Mount Sterling, KY (FHA|USDA|VA) 1 $85,000 $85,000 $3,274 4.99%
    Dayton, TN (FHA|USDA|VA) 1 $65,000 $65,000 $1,599 5.50%
    CHATTANOOGA, TN-GA (FHA|USDA|VA) 1 $65,000 $65,000 $4,293 5.25%
    Marinette, WI-MI (FHA|USDA|VA) 1 $55,000 $55,000 $2,150 4.50%
    Gold Star Mortgage Financial Group Corporation's top markets include Detroit, Miami, Nashville, Chicago, and Sacramento among others.

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

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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 3,644 $913,070,000 $250,568 $3,902 4.31%
    FHA 1,392 $286,400,000 $205,747 $7,586 4.31%
    VA 291 $88,045,000 $302,560 $6,754 4.12%
    USDA 126 $21,320,000 $169,206 $3,940 4.13%

    For 2019, Gold Star Mortgage Financial Group Corporation's most frequently originated type of loan was Conventional, with 3,644 originations. Their 2nd most popular type was FHA, with 1,392 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 4,054 $942,830,000 $232,568 $5,336 4.35%
    Refi 813 $224,285,000 $275,873 $3,609 3.96%
    Cash Out Refi 586 $141,720,000 $241,843 $4,576 4.40%

    For 2019, Gold Star Mortgage Financial Group Corporation's most frequently cited loan purpose was Home Purchase, with 4,054 originations. The 2nd most popular reason was Refi, with 813 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 5,000 $1,206,330,000 $241,266 $5,149 4.34%
    15 Year 389 $88,725,000 $228,085 $3,230 3.69%
    20 Year 53 $11,265,000 $212,547 $3,687 4.09%
    Other 6 $1,320,000 $220,000 $3,804 4.16%
    10 Year 5 $1,195,000 $239,000 $5,543 3.17%

    For 2019, Gold Star Mortgage Financial Group Corporation's most frequently cited loan duration was 30 Year, with 5,000 originations. The 2nd most popular length was 15 Year, with 389 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 1,916 $439,930,000 $229,609
    $<1k 1,745 $442,785,000 $253,745
    $2k-3k 893 $188,275,000 $210,834
    $3k-4k 484 $117,470,000 $242,707
    $5k+ 212 $68,400,000 $322,642
    $4k-5k 203 $51,975,000 $256,034

    Gold Star Mortgage Financial Group Corporation's average total fees were $5,149, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 1,916 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 2,515 $579,295,000 $230,336
    3-4% 2,264 $599,110,000 $264,625
    5-6% 626 $120,230,000 $192,061
    2.5-3% 25 $7,645,000 $305,800
    6-7% 23 $2,555,000 $111,087

    During 2019, Gold Star Mortgage Financial Group Corporation's average interest rate for loans was 4.34%, while their most frequently originated rate bucket for loans was 4-5%, with 2,515 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 2,536 $701,530,000 $276,629 $5,505 4.20%
    $100k-200k 1,960 $298,380,000 $152,235 $4,427 4.38%
    $400k-600k 509 $235,215,000 $462,112 $5,439 4.12%
    $100,000 or less 385 $30,385,000 $78,922 $3,593 4.69%
    $600k-1MM 62 $42,100,000 $679,032 $7,007 4.08%
    $1MM+ 1 $1,225,000 $1,225,000 $21,939 4.00%

    2019 saw Gold Star Mortgage Financial Group Corporation place emphasis on $200k-400k loans with 2,536 originations, totaling $701,530,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 1,473 $294,215,000 $199,739 $5,154 4.34%
    $100k-150k 1,143 $336,595,000 $294,484 $5,103 4.22%
    $75k-100k 992 $240,750,000 $242,692 $5,333 4.32%
    $50k or less 986 $138,510,000 $140,477 $4,589 4.40%
    $150k-250k 608 $207,310,000 $340,970 $4,668 4.18%
    $250k+ 205 $77,075,000 $375,976 $4,742 4.22%

    Gold Star Mortgage Financial Group Corporation lent most frequently to those with incomes in the $50k-75k range, with 1,473 originations. The second most popular income band? $100k-150k, with 1,143 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 895 $213,055,000 $238,050 $4,048 4.18%
    30-36% 867 $205,475,000 $236,995 $4,432 4.26%
    50-60% 544 $127,570,000 $234,504 $7,652 4.32%
    49% 266 $62,230,000 $233,947 $5,241 4.39%
    44% 257 $61,485,000 $239,241 $4,631 4.39%
    43% 236 $59,880,000 $253,729 $5,196 4.35%
    <20% 215 $48,665,000 $226,349 $3,811 4.16%
    42% 215 $50,465,000 $234,721 $4,833 4.38%
    39% 209 $50,215,000 $240,263 $4,874 4.40%
    41% 200 $45,720,000 $228,600 $4,804 4.35%
    45% 196 $47,790,000 $243,827 $5,146 4.35%
    40% 193 $44,595,000 $231,062 $4,985 4.30%
    46% 188 $46,980,000 $249,894 $5,259 4.32%
    48% 180 $46,690,000 $259,389 $5,311 4.36%
    38% 179 $39,715,000 $221,872 $4,962 4.37%
    37% 179 $43,005,000 $240,251 $4,703 4.32%
    47% 172 $46,080,000 $267,907 $5,284 4.31%
    36% 151 $37,945,000 $251,291 $5,062 4.32%
    >60% 65 $16,895,000 $259,923 $6,992 4.27%

    Gold Star Mortgage Financial Group Corporation lent most frequently to those with DTI ratios of 20-30%, with 895 originations. The next most common DTI ratio? 30-36%, with 867 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 4,096 $957,890,000 $233,860 $4,893 4.28%
    Not provided 468 $123,140,000 $263,120 $4,535 4.32%
    Black 530 $109,670,000 $206,925 $6,531 4.47%
    Asian Indian 218 $77,590,000 $355,917 $3,915 3.98%
    Asian 36 $11,210,000 $311,389 $4,412 4.19%
    Filipino 27 $8,355,000 $309,444 $6,294 4.44%
    Other Asian 23 $5,755,000 $250,217 $4,863 4.11%
    Chinese 15 $4,305,000 $287,000 $4,278 4.29%
    Korean 10 $3,490,000 $349,000 $5,616 4.04%
    American Indian 11 $2,665,000 $242,273 $9,263 4.34%
    Vietnamese 6 $1,770,000 $295,000 $6,451 4.56%
    Native Hawaiian or Islander 4 $1,170,000 $292,500 $5,421 4.56%
    Japanese 4 $840,000 $210,000 $4,055 4.34%
    Other Pacific Islander 3 $585,000 $195,000 $5,210 4.16%
    Native Hawaiian 2 $400,000 $200,000 $8,015 4.25%

    Approval Rates

    Total approvals of all applications
    97.02%

    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
    53.27%

    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 7 $1,405,000 $200,714
    NA 5,446 $1,307,430,000 $240,072

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Single Family (1-4 Units):Manufactured 34 $5,240,000 $154,118
    Single Family (1-4 Units):Site-Built 5,419 $1,303,595,000 $240,560

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 75 $14,505,000 $193,400 $3,575 4.14%
    40-60% 315 $73,255,000 $232,556 $3,634 4.15%
    60-80% 1,476 $379,440,000 $257,073 $3,956 4.30%
    80-100% 3,522 $822,430,000 $233,512 $5,498 4.31%
    Over 100% 60 $18,270,000 $304,500 $10,259 4.16%
    Under 20% 5 $935,000 $187,000 $3,645 4.53%

    Complaints

    Bank Name Product Issue 2019 CPFB Complaints % of Total Issues
    GOLD STAR MORTGAGE FINANCIAL Conventional home mortgage Closing on a mortgage 1 100.0%