Purchase Originations
5,036
Ranked #99 nationally
Median Total Costs
$7,511
+12.4% vs national ($6,680)
↓ $501 vs prior year
Median Rate
6.625%
+2.1% vs national (6.490%)
↑ 0.000% vs prior year
Median Origination
$2,432
Median Lender Credits
$279
Cost Rank (500+ vol.)
#406
among lenders with 500+ originations
Denial Rate
3.5%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 2,547 | 6.625% | $5,278 | $2,450 |
| fha | 1,871 | 6.625% | $10,639 | $2,515 |
| va | 546 | 6.375% | $7,651 | $1,998 |
| usda | 72 | 6.438% | $6,855 | $2,324 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Michigan | 946 | 6.625% | $4,942 | #19 |
| Florida | 940 | 6.625% | $9,976 | #53 |
| Texas | 336 | 6.500% | $9,497 | #149 |
| Indiana | 296 | 6.625% | $5,347 | #58 |
| Nevada | 253 | 6.625% | $9,870 | #29 |
| North Carolina | 215 | 6.500% | $7,681 | #103 |
| Colorado | 182 | 6.625% | $7,337 | #80 |
| Wyoming | 172 | 6.250% | $8,690 | #9 |
| Ohio | 161 | 7.125% | $6,649 | #106 |
| Washington | 150 | 6.625% | $12,238 | #80 |
| Wisconsin | 145 | 6.750% | $6,287 | #73 |
| Illinois | 136 | 6.625% | $7,062 | #125 |
| Missouri | 105 | 6.750% | $7,074 | #88 |
| Nebraska | 96 | 6.625% | $4,061 | #39 |
| Arizona | 93 | 6.500% | $13,137 | #107 |
| New Mexico | 84 | 6.375% | $6,427 | #46 |
| Pennsylvania | 77 | 6.625% | $8,204 | #185 |
| Virginia | 74 | 6.625% | $6,244 | #150 |
| Georgia | 60 | 6.495% | $10,131 | #190 |
| Minnesota | 59 | 6.625% | $5,413 | #116 |
| Kansas | 58 | 6.625% | $4,637 | #95 |
| Oklahoma | 58 | 6.625% | $8,001 | #88 |
| California | 50 | 6.625% | $12,911 | #257 |
| Utah | 49 | 6.125% | $10,571 | — |
| South Carolina | 42 | 6.933% | $8,198 | — |
| Tennessee | 41 | 6.500% | $7,936 | — |
| Alabama | 26 | 6.438% | $6,061 | — |
| Mississippi | 19 | 6.250% | $10,082 | — |
| Arkansas | 18 | 6.312% | $4,444 | — |
| New Jersey | 16 | 6.312% | $12,495 | — |
| Oregon | 16 | 6.750% | $10,061 | — |
| Connecticut | 14 | 6.500% | $9,935 | — |
| Maryland | 13 | 6.500% | $12,139 | — |
| Delaware | 10 | 6.500% | $9,828 | — |
| Louisiana | 9 | 6.625% | $7,052 | — |
| Iowa | 7 | 6.625% | $5,403 | — |
| Kentucky | 4 | 6.938% | $5,898 | — |
| Idaho | 2 | 6.308% | $7,614 | — |
| Montana | 2 | 6.812% | $6,450 | — |
| West Virginia | 2 | 6.750% | $6,206 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,986 | 6.625% | — | 65 | −$3,525 | |
| 2 | $4,194 | 6.688% | — | 132 | −$3,317 | |
| 3 | $4,690 | 6.625% | — | 137 | −$2,821 | |
| 4 | $4,881 | 6.625% | — | 156 | −$2,630 | |
| 5 | $4,899 | 6.625% | — | 245 | −$2,612 | |
| 6 | $4,951 | 6.625% | — | 98 | −$2,560 | |
| 7 | $6,433 | 6.625% | — | 53 | −$1,078 | |
| 8 | $7,417 | 6.750% | — | 64 | −$94 | |
| 9 | $7,567 | 6.625% | — | 98 | +$56 | |
| 10 | $7,720 | 6.500% | — | 79 | +$209 | |
| 11 | $8,145 | 6.625% | — | 58 | +$634 | |
| 12 | $8,470 | 6.990% | — | 58 | +$959 | |
| 13 | $8,655 | 6.562% | — | 64 | +$1,144 | |
| 14 | $8,927 | 6.250% | — | 146 | +$1,416 | |
| 15 | $9,482 | 6.750% | — | 51 | +$1,971 | |
| 16 | $9,826 | 6.500% | — | 62 | +$2,315 | |
| 17 | $10,424 | 6.625% | — | 165 | +$2,913 | |
| 18 | $11,319 | 6.500% | — | 97 | +$3,808 | |
| 19 | $11,636 | 6.438% | — | 66 | +$4,125 | |
| 20 | $13,752 | 6.562% | — | 64 | +$6,241 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Gold Star Mortgage Financial Group, Corporation | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $295,000 | $335,000 | −$40,000 (−11.9%) |
| Median total closing costs | $7,511 | $7,127 | +$384 (+5.4%) |
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.