What loan types does Gold Star Mortgage Financial Group offer?

Gold Star Mortgage Financial Group offers the following mortgage loan types: FHA, Conventional, VA, Jumbo, usda. Each product has its own pricing score and performance metrics.

Where does Gold Star Mortgage Financial Group offer mortgages?

Gold Star Mortgage Financial Group is a national lender offering mortgages in all 50 states plus Washington D.C.

How competitive are Gold Star Mortgage Financial Group's mortgage rates?

Gold Star Mortgage Financial Group has an overall pricing score of 27.9/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Gold Star Mortgage Financial Group?

Gold Star Mortgage Financial Group is a Independent Mortgage Company headquartered in PLYMOUTH, MI.

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Gold Star Mortgage Financial Group

Independent Mortgage Company•Plymouth, MIHQ•Direct & Wholesale•Reviews near you on Google

We analyzed every closed loan from Gold Star Mortgage Financial Group — 4.5k loans across 7k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Acceptable

2/5

vs. all lenders

Pull-through

Strong

4/5

closing strength

Product

Exceptional

5/5

FHA · Conventional · VA · Jumbo · USDA

Place

Sound

3/5

National · 49 mkts

Awards

FHA

Superstar

Summary

What They Do Well

Strong pull through performance
Particularly strong in Conventional and FHA and VA and Jumbo and USDA loans
Nationwide availability with consistent service

Things to Think About

Pricing may be below industry average

Explore another lender or local market

Report Card

Gold Star Mortgage Financial Group performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Acceptable

+45.3 bps above market avg

Pull Through

Closing strength

Strong

Top 40% of lenders

By Loan Product· Specialization by type

Conventional

Exceptional

Top 20% of lenders

FHA

Exceptional

Top 20% of lenders

Strong

Top 40% of lenders

Jumbo

Strong

Top 40% of lenders

USDA

Exceptional

Top 20% of lenders

By Loan Purpose· Transaction purpose mix

Purchase

Exceptional

Top 20% of lenders

Refinance

Strong

Top 40% of lenders

By Location· Geographic coverage

Geographic Reach

National · 50 markets

Sound

Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Sound	Exceptional	Acceptable	Strong	2,740	61.3%	+0.421%Above	$2,974Fees
FHA Loans	Sound	Exceptional	Acceptable	Strong	1,248	27.9%	+0.758%Above	$3,526Fees
VA Loans	Strong	Strong	Acceptable	Strong	373	8.3%	-0.182%Below	$2,779Fees
Jumbo Loans	Sound	Strong	Sound	Sound	55	1.2%	+0.315%Above	$3,255Fees
USDA Loans	Strong	Exceptional	—	Strong	54	1.2%	+0.287%Above	$2,979Fees

Conventional

Overall

Sound

Product

Exceptional

Pricing

Acceptable

Pull Through

Strong

Volume2,740

Mix61.3%

Spread

+0.421%Above

Fees

$2,974Fees

FHA Loans

Overall

Sound

Product

Exceptional

Pricing

Acceptable

Pull Through

Strong

Volume1,248

Mix27.9%

Spread

+0.758%Above

Fees

$3,526Fees

VA Loans

Overall

Strong

Product

Strong

Pricing

Acceptable

Pull Through

Strong

Volume373

Mix8.3%

Spread

-0.182%Below

Fees

$2,779Fees

Jumbo Loans

Overall

Sound

Product

Strong

Pricing

Sound

Pull Through

Sound

Volume55

Mix1.2%

Spread

+0.315%Above

Fees

$3,255Fees

USDA Loans

Overall

Strong

Product

Exceptional

Pricing—

Pull Through

Strong

Volume54

Mix1.2%

Spread

+0.287%Above

Fees

$2,979Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Exceptional	Acceptable	Strong	4,071	91.1%	+0.472%Above	$3,172Fees
Refinance	Sound	Strong	Acceptable	Sound	399	8.9%	+0.288%Above	$2,410Fees

Purchase

Overall

Sound

Product

Exceptional

Pricing

Acceptable

Pull Through

Strong

Volume4,071

Mix91.1%

Spread

+0.472%Above

Fees

$3,172Fees

Refinance

Overall

Sound

Product

Strong

Pricing

Acceptable

Pull Through

Sound

Volume399

Mix8.9%

Spread

+0.288%Above

Fees

$2,410Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

4,470

Applications

6,882

Volume

$1 billion

Pricing & Closing

Avg Rate Spread

+0.453%

vs. market APOR

Avg Net Fees

$3,092

Origination − Credits

Pullthrough Rate

65.0%

Applications → Closed

Typical Borrower

Avg Loan Amount

$343,418

Avg Borrower Income

$141,944

Avg Property Value

$425,262

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Sound

3/5

States with Loan Originations

Northeast3

CTNJPA

Midwest12

IAILINKSMIMNMONDNEOHSDWI

South16

ALARDCDEFLGAKYLAMDMSNCOKSCTNTXVA

West10

AZCACOIDMTNMNVORUTWA

Top Metro Areas by Place Specialization Score

1© w_lemay · CC BY-SA 2.0

Ann Arbor, MIMetro

Volume 184Mix 4.12% of portfolio

95/100

Exceptional

2© Richie Diesterheft from Chicago, IL, USA · CC BY 2.0

Lake County, INMetro

Volume 181Mix 4.05% of portfolio

85/100

Exceptional

3© Ken Lund from Reno, Nevada, USA · CC BY-SA 2.0

Detroit, MIMetro

Volume 246Mix 5.50% of portfolio

77/100

Strong

4© Darren56brown · CC BY-SA 4.0

Warren, MIMetro

Volume 300Mix 6.71% of portfolio

75/100

Strong

Orlando, FLMetro

Volume 239Mix 5.35% of portfolio

74/100

Strong

Elgin, ILMetro

Volume 93Mix 2.08% of portfolio

73/100

Strong

Reno, NVMetro

Volume 89Mix 1.99% of portfolio

72/100

Strong

Merced, CAMetro

Volume 43Mix 0.96% of portfolio

71/100

Strong

Fort Lauderdale, FLMetro

Volume 149Mix 3.33% of portfolio

70/100

Strong

Chicago, ILMetro

Volume 222Mix 4.97% of portfolio

69/100

Strong

Showing 10 of 49 metro areas

Top States by Place Specialization Score

MichiganState

Volume 991Mix 22.17% of portfolio

82/100

Exceptional

FloridaState

Volume 982Mix 21.97% of portfolio

77/100

Strong

IllinoisState

Volume 356Mix 7.96% of portfolio

73/100

Strong

NevadaState

Volume 142Mix 3.18% of portfolio

69/100

Strong

IndianaState

Volume 240Mix 5.37% of portfolio

68/100

Strong

OhioState

Volume 233Mix 5.21% of portfolio

66/100

Strong

North CarolinaState

Volume 242Mix 5.41% of portfolio

65/100

Strong

WashingtonState

Volume 110Mix 2.46% of portfolio

62/100

Strong

New MexicoState

Volume 67Mix 1.50% of portfolio

61/100

Strong

TexasState

Volume 210Mix 4.70% of portfolio

61/100

Strong

Showing 10 of 28 states

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts

Pricing

Rate and fee competitiveness (33%)

10/ 30 pts

Pull Through

Reliability in closing loans (33%)

10/ 30 pts

Product

Specialization in the loan type (33%)

💎

Champion(80%+ = 24-30 points)

⭐

Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.