Gold Star Mortgage Financial Group in Arizona vs the state
5.9%Denial rate-10.29 pts vs state
8.6%Decision denial rate-11.82 pts vs state
55.2%Origination rate-4.24 pts vs state
6.63%Median rate+0.13 pts vs state
0.43Rate spread (pts)+0.21 pts vs state
$106kMedian applicant income
158Loans originated
17Denied
Trend in Arizona
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 323 | 195 | 1.9% | 6.50% | #122 |
| 2024 | 196 | 105 | 4.1% | 6.56% | #166 |
| 2025 | 286 | 158 | 5.9% | 6.63% | #150 |
What Gold Star Mortgage Financial Group lends in Arizona
By loan purpose
By loan type
Why it denied Arizona applicants
Where in Arizona
Counties with the most Gold Star Mortgage Financial Group applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Maricopa County | 185 | 104 | 12 | 6.5% |
| Pinal County | 36 | 20 | 2 | 5.6% |
| Pima County | 26 | 13 | 1 | 3.8% |
| Mohave County | 17 | 8 | 2 | 11.8% |
| Gila County | 6 | 3 | 0 | 0.0% |
| Yavapai County | 5 | 3 | 0 | 0.0% |
| Coconino County | 4 | 2 | 0 | 0.0% |
| Navajo County | 3 | 3 | 0 | 0.0% |
| Santa Cruz County | 2 | 1 | 0 | 0.0% |
| Apache County | 1 | 0 | 0 | 0.0% |
Other large lenders in Arizona
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 25,383 | 10.2% | 6.25% |
| Rocket Mortgage | C | 17,947 | 15.6% | 6.75% |
| Desert Financial Credit Union | B | 16,970 | 24.3% | 6.49% |
| Crosscountry Mortgage | B | 7,570 | 3.8% | 6.58% |
| Fairway Independent Mortgage | B | 6,729 | 5.6% | 6.63% |
| Bank of America | F | 6,229 | 32.2% | 6.24% |
| Loandepot.Com | D | 6,180 | 16.1% | 5.99% |
| Pennymac Loan Services | C | 5,838 | 11.7% | 6.62% |
| Nova Financial & Investment | C | 5,380 | 16.2% | 6.49% |
| Freedom Mortgage | B | 4,991 | 7.0% | 6.00% |
Frequently asked questions
Arizona: 286 applications in 2025, of which 158 were originated and 17 denied.
5.9% of all applications, or 8.6% of the applications it actually decided on. The Arizona statewide average across all lenders was 16.2%.
The median rate on loans Gold Star Mortgage Financial Group originated in Arizona in 2025 was 6.63%, 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 Arizona, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology