# GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION

> **Canonical URL:** https://saferate.com/lenders/gold-star-mortgage-financial-group


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION is a independent mortgage company, headquartered in PLYMOUTH, MI, serving borrowers nationwide, with 4,470 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 72% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 32% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 5493002Y5XYV7DV1ZV88
- **Headquarters:** PLYMOUTH, MI
- **Geographic Reach:** National
- **States Served:** 41
- **State List:** AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, IA, ID, IL, IN, KS, KY, LA, MD, MI, MN, MO, MS, MT, NC, ND, NE, NJ, NM, NV, OH, OK, OR, PA, SC, SD, TN, TX, UT, VA, WA, WI
- **Markets (MSAs):** 50
- **Primary Channel:** mix
- **Direct Origination:** 73.8%
- **Brokered/Wholesale:** 26.2%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 28/100
- Rating: ●●○○○ (2/5)

### Pull Through: Strong 😀
- Score: 68/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.453%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $3,092
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 4,470
- **Dollar Volume:** $1.5 billion
- **Applications Received:** 6,882
- **Market Share:** 13.00%

## Typical Borrower Profile

- **Average Loan Amount:** $343,418
- **Average Borrower Income:** $141,944
- **Average Property Value:** $425,262

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (62%)
- ⭐ **FHA Gold Superstar** (62%)
- ⭐ **Purchase Gold Superstar** (62%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 81/100 | 2,740 | +0.421% | $2,974 | Exceptional 🤩 |
| FHA | 83/100 | 1,248 | +0.758% | $3,526 | Exceptional 🤩 |
| VA | 78/100 | 373 | -0.182% | $2,779 | Strong 😀 |
| Jumbo | 71/100 | 55 | +0.315% | $3,255 | Strong 😀 |
| USDA | 82/100 | 54 | +0.287% | $2,979 | Exceptional 🤩 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 2,435 loans, Score: 80/100 (Exceptional)
- Refinance: 305 loans, Score: 74/100 (Strong)

**FHA:**
- Purchase: 1,181 loans, Score: 84/100 (Exceptional)
- Refinance: 67 loans, Score: 75/100 (Strong)

**VA:**
- Purchase: 350 loans, Score: 79/100 (Strong)
- Refinance: 23 loans, Score: 49/100 (Sound)

**Jumbo:**
- Purchase: 51 loans, Score: 73/100 (Strong)

**USDA:**
- Purchase: 54 loans, Score: 82/100 (Exceptional)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 83/100 | 4,071 | $1.4B | +0.472% | Exceptional 🤩 |
| Refinance | 76/100 | 399 | $134M | +0.288% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| MI | 991 | 0.88% | 82/100 |
| FL | 982 | 0.34% | 77/100 |
| IL | 356 | 0.29% | 73/100 |
| NC | 242 | 0.16% | 65/100 |
| IN | 240 | 0.26% | 68/100 |
| OH | 233 | 0.17% | 66/100 |
| TX | 210 | 0.06% | 61/100 |
| CA | 178 | 0.06% | 58/100 |
| NV | 142 | 0.35% | 69/100 |
| CO | 118 | 0.14% | 60/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 350 | 64/100 |
| Warren | MI | 300 | 75/100 |
| Detroit | MI | 246 | 77/100 |
| Orlando | FL | 239 | 74/100 |
| Chicago | IL | 222 | 69/100 |
| Ann Arbor, MI | MI | 184 | 95/100 |
| Lake County | IN | 181 | 85/100 |
| Fort Lauderdale | FL | 149 | 70/100 |
| Raleigh | NC | 122 | 69/100 |
| Tampa, FL | FL | 98 | 63/100 |
| Elgin, IL | IL | 93 | 73/100 |
| Reno, NV | NV | 89 | 72/100 |
| West Palm Beach | FL | 83 | 65/100 |
| Phoenix | AZ | 82 | 58/100 |
| Cleveland, OH | OH | 67 | 60/100 |

## Where This Lender Ranks

GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Ann Arbor, MI for Jumbo Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/ann-arbor-mi/best-mortgage-lenders/mortgage-companies/jumbo-loans)
- 🥇 **#1** in Lansing for USDA Loans
  - [View Full Rankings](https://saferate.com/lansing/best-mortgage-lenders/usda-loans)
- 🥇 **#1** in Lansing for USDA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/lansing/best-mortgage-lenders/mortgage-companies/usda-loans)
- 🏆 **#5** in Ann Arbor, MI for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/ann-arbor-mi/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#5** in Ann Arbor, MI for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/ann-arbor-mi/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#6** in Ann Arbor, MI Mortgage Companies
  - [View Full Rankings](https://saferate.com/ann-arbor-mi/best-mortgage-lenders/mortgage-companies)
- 🏆 **#6** in Ann Arbor, MI for FHA Loans
  - [View Full Rankings](https://saferate.com/ann-arbor-mi/best-mortgage-lenders/fha-loans)
- 🏆 **#6** in Lafayette for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/lafayette/best-mortgage-lenders/mortgage-companies/va-loans)
- 🏆 **#7** in Flint, MI for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/flint-mi/best-mortgage-lenders/mortgage-companies/va-loans)
- 🏆 **#8** in Michigan for Jumbo Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/michigan/best-mortgage-lenders/mortgage-companies/jumbo-loans)
- 🏆 **#8** in Ann Arbor, MI for Jumbo Loans
  - [View Full Rankings](https://saferate.com/ann-arbor-mi/best-mortgage-lenders/jumbo-loans)
- 🏆 **#8** in Jackson, MI for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/jackson-mi/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#8** in Lafayette for VA Loans
  - [View Full Rankings](https://saferate.com/lafayette/best-mortgage-lenders/va-loans)
- 🏆 **#9** in Grand Junction, CO for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/grand-junction-co/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#9** in Flint, MI for VA Loans
  - [View Full Rankings](https://saferate.com/flint-mi/best-mortgage-lenders/va-loans)
- 🏆 **#10** in Lake County for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/lake-county/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#10** in Reno, NV for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/reno-nv/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#10** in Merced, CA for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/merced-ca/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#10** in Merced, CA for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/merced-ca/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#10** in Grand Junction, CO Mortgage Companies
  - [View Full Rankings](https://saferate.com/grand-junction-co/best-mortgage-lenders/mortgage-companies)

## Frequently Asked Questions

### What loan types does GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION offer?

GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION offers the following mortgage loan types: FHA, Conventional, VA, Jumbo, USDA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION offer mortgages?

GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION is a national lender offering mortgages in all 50 states plus Washington D.C.

### How competitive are GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION's mortgage rates?

GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION has a pricing score of 28/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.453% above market average.

### What type of lender is GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION?

GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION is a non-depository lender that specializes in mortgage origination, headquartered in PLYMOUTH, MI.

### What is GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION's loan approval success rate?

GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION has a pull-through score of 68/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/gold-star-mortgage-financial-group

### How to Cite

> "GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/gold-star-mortgage-financial-group

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