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Gold Star Mortgage Financial Group, Corporation
Independent Mortgage Company•PLYMOUTH, MI•Direct to Consumer
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 4 Ps of Mortgage Shopping.
Pricing
Acceptable
vs. all lenders
Pull Through
Strong
closing strength
Products
Exceptional
FHA · Conventional · VA · Jumbo · USDA
Place
Sound
National · 49 mkts
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Safe Rate's 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, Corporation performance at a glance
| Category | Score | vs. Peers |
|---|---|---|
Overall Performance· Pricing & closing strength | ||
Pricing Rate competitiveness | Near industry average +45.3 bps above market avg | |
Pull Through Closing strength | Highly Competitive Top 40% of lenders | |
By Loan Product· Specialization by type | ||
Conventional | Market Leader Top 20% of lenders | |
FHA | Market Leader Top 20% of lenders | |
VA | Highly Competitive Top 40% of lenders | |
Jumbo | Highly Competitive Top 40% of lenders | |
USDA | Market Leader Top 20% of lenders | |
By Loan Purpose· Transaction purpose mix | ||
Purchase | Market Leader Top 20% of lenders | |
Refinance | Highly Competitive Top 40% of lenders | |
By Location· Geographic coverage | ||
Geographic Reach Coverage footprint | Industry Standard Top 60% of lenders National50 markets | |
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 2,740 | 61.3% | +0.421%Above | $2,974Fees | ||||
FHA Loans | 1,248 | 27.9% | +0.758%Above | $3,526Fees | ||||
VA Loans | 373 | 8.3% | -0.182%Below | $2,779Fees | ||||
Jumbo Loans | 55 | 1.2% | +0.315%Above | $3,255Fees | ||||
USDA Loans | — | 54 | 1.2% | +0.287%Above | $2,979Fees |
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 4,071 | 91.1% | +0.472%Above | $3,172Fees | ||||
Refinance | 399 | 8.9% | +0.288%Above | $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
49
States Served
41
We count Washington DC as a state
Avg Place Specialization
States with Loan Originations
ALARAZCACOCTDCDEFLGAIAIDILINKSKYLAMDMIMNMOMSMTNCNDNENJNMNVOHOKORPASCSDTNTXUTVAWAWI
Top Metro Areas by Place Specialization Score
1
Ann Arbor, MI, MIMSA
Volume: 184Mix: 4.12%of portfolio
Place
Exceptional2
Lake County, INMSA
Volume: 181Mix: 4.05%of portfolio
Place
Exceptional3
Detroit, MIMSA
Volume: 246Mix: 5.50%of portfolio
Place
Strong4
Warren, MIMSA
Volume: 300Mix: 6.71%of portfolio
Place
Strong5
Orlando, FLMSA
Volume: 239Mix: 5.35%of portfolio
Place
Strong6
Elgin, IL, ILMSA
Volume: 93Mix: 2.08%of portfolio
Place
Strong7
Reno, NV, NVMSA
Volume: 89Mix: 1.99%of portfolio
Place
Strong8
Merced, CA, CAMSA
Volume: 43Mix: 0.96%of portfolio
Place
Strong9
Fort Lauderdale, FLMSA
Volume: 149Mix: 3.33%of portfolio
Place
Strong10
Chicago, ILMSA
Volume: 222Mix: 4.97%of portfolio
Place
StrongShowing 10 of 49 metro areas
Top States by Place Specialization Score
1
MIState
Volume: 991Mix: 22.17%of portfolio
Place
Exceptional2
FLState
Volume: 982Mix: 21.97%of portfolio
Place
Strong3
ILState
Volume: 356Mix: 7.96%of portfolio
Place
Strong4
NVState
Volume: 142Mix: 3.18%of portfolio
Place
Strong5
INState
Volume: 240Mix: 5.37%of portfolio
Place
Strong6
OHState
Volume: 233Mix: 5.21%of portfolio
Place
Strong7
NCState
Volume: 242Mix: 5.41%of portfolio
Place
Strong8
WAState
Volume: 110Mix: 2.46%of portfolio
Place
Strong9
NMState
Volume: 67Mix: 1.50%of portfolio
Place
Strong10
TXState
Volume: 210Mix: 4.70%of portfolio
Place
StrongShowing 10 of 28 states
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.
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.