Gold Star Mortgage Financial Group in California vs the state
3.5%Denial rate-13.94 pts vs state
6.0%Decision denial rate-16.37 pts vs state
40.3%Origination rate-15.90 pts vs state
6.63%Median rate0.00 pts vs state
0.54Rate spread (pts)+0.27 pts vs state
$134kMedian applicant income
81Loans originated
7Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 342 | 218 | 0.9% | 6.63% | #274 |
| 2024 | 365 | 201 | 2.2% | 6.63% | #283 |
| 2025 | 201 | 81 | 3.5% | 6.63% | #363 |
What Gold Star Mortgage Financial Group lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Gold Star Mortgage Financial Group applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| San Bernardino County | 39 | 16 | 2 | 5.1% |
| Riverside County | 31 | 13 | 0 | 0.0% |
| Los Angeles County | 18 | 8 | 1 | 5.6% |
| San Joaquin County | 11 | 5 | 1 | 9.1% |
| Kern County | 10 | 3 | 2 | 20.0% |
| Orange County | 10 | 2 | 1 | 10.0% |
| Sacramento County | 8 | 1 | 0 | 0.0% |
| San Diego County | 7 | 1 | 0 | 0.0% |
| Contra Costa County | 7 | 4 | 0 | 0.0% |
| Amador County | 6 | 6 | 0 | 0.0% |
Other large lenders in California
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 79,261 | 12.6% | 6.49% |
| Rocket Mortgage | C | 58,925 | 17.6% | 6.75% |
| Bank of America | F | 40,190 | 30.8% | 5.99% |
| U.S. Bank | D | 32,493 | 31.6% | 6.50% |
| JPMorgan Chase Bank | B | 22,048 | 9.7% | 6.13% |
| Spring Eq | D | 21,601 | 50.8% | 8.88% |
| Schoolsfirst | A | 19,086 | 10.0% | 6.25% |
| Pennymac Loan Services | C | 18,754 | 13.5% | 6.50% |
| Newrez | D | 17,000 | 19.3% | 6.63% |
| Loandepot.Com | D | 16,645 | 18.7% | 6.63% |
Frequently asked questions
California: 201 applications in 2025, of which 81 were originated and 7 denied.
3.5% of all applications, or 6.0% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Gold Star Mortgage Financial Group originated in California in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Gold Star Mortgage Financial Group's own HMDA filing for properties located in California, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology