Gold Star Mortgage Financial Group in Alabama vs the state
6.0%Denial rate-13.88 pts vs state
8.9%Decision denial rate-16.11 pts vs state
49.3%Origination rate-6.14 pts vs state
6.50%Median rate0.00 pts vs state
0.32Rate spread (pts)+0.04 pts vs state
$88kMedian applicant income
33Loans originated
4Denied
Trend in Alabama
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 13 | 7 | 0.0% | 6.99% | #423 |
| 2024 | 54 | 36 | 1.9% | 6.75% | #281 |
| 2025 | 67 | 33 | 6.0% | 6.50% | #271 |
What Gold Star Mortgage Financial Group lends in Alabama
By loan purpose
By loan type
Why it denied Alabama applicants
Where in Alabama
Counties with the most Gold Star Mortgage Financial Group applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Baldwin County | 14 | 6 | 0 | 0.0% |
| Calhoun County | 12 | 6 | 1 | 8.3% |
| Cullman County | 8 | 5 | 1 | 12.5% |
| Jefferson County | 5 | 2 | 0 | 0.0% |
| St. Clair County | 4 | 0 | 2 | 50.0% |
| Dallas County | 3 | 2 | 0 | 0.0% |
| Tuscaloosa County | 3 | 2 | 0 | 0.0% |
| Morgan County | 3 | 2 | 0 | 0.0% |
| Dale County | 3 | 0 | 0 | 0.0% |
| Houston County | 2 | 1 | 0 | 0.0% |
Other large lenders in Alabama
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Regions Bank | C | 11,871 | 37.2% | 4.99% |
| Rocket Mortgage | C | 9,941 | 20.5% | 6.63% |
| Vanderbilt Mortgage and Finance | F | 8,461 | 41.4% | 9.50% |
| United Shore Financial Services | B | 7,689 | 12.0% | 6.13% |
| 21st Mortgage | F | 6,507 | 46.0% | 9.98% |
| Mortgage Research Center | C | 5,107 | 18.4% | 6.25% |
| REDSTONE Federal Credit Union | C | 4,548 | 18.9% | 8.13% |
| Dhi Mortgage Company | B | 3,909 | 17.5% | 4.99% |
| Freedom Mortgage | B | 3,725 | 8.7% | 6.25% |
| Pennymac Loan Services | C | 3,611 | 11.6% | 6.25% |
Frequently asked questions
Alabama: 67 applications in 2025, of which 33 were originated and 4 denied.
6.0% of all applications, or 8.9% of the applications it actually decided on. The Alabama statewide average across all lenders was 19.9%.
The median rate on loans Gold Star Mortgage Financial Group originated in Alabama in 2025 was 6.50%, against a statewide median of 6.50%.
About this data. Figures are Gold Star Mortgage Financial Group's own HMDA filing for properties located in Alabama, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology