Gold Star Mortgage Financial Group in Colorado vs the state
0.2%Denial rate-15.39 pts vs state
0.3%Decision denial rate-19.33 pts vs state
67.3%Origination rate+7.29 pts vs state
6.63%Median rate0.00 pts vs state
0.29Rate spread (pts)+0.13 pts vs state
$110kMedian applicant income
278Loans originated
1Denied
Trend in Colorado
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 62 | 28 | 4.8% | 7.69% | #260 |
| 2024 | 233 | 142 | 2.2% | 6.50% | #152 |
| 2025 | 413 | 278 | 0.2% | 6.63% | #119 |
What Gold Star Mortgage Financial Group lends in Colorado
By loan purpose
By loan type
Why it denied Colorado applicants
Where in Colorado
Counties with the most Gold Star Mortgage Financial Group applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Mesa County | 190 | 152 | 0 | 0.0% |
| Denver County | 33 | 15 | 0 | 0.0% |
| El Paso County | 31 | 18 | 0 | 0.0% |
| Jefferson County | 26 | 10 | 0 | 0.0% |
| Gunnison County | 23 | 18 | 0 | 0.0% |
| Arapahoe County | 20 | 12 | 0 | 0.0% |
| Adams County | 11 | 8 | 0 | 0.0% |
| Montrose County | 10 | 6 | 1 | 10.0% |
| Garfield County | 10 | 7 | 0 | 0.0% |
| Delta County | 8 | 4 | 0 | 0.0% |
Other large lenders in Colorado
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 23,111 | 8.8% | 6.13% |
| ENT Credit Union | B | 13,238 | 20.9% | 7.50% |
| Rocket Mortgage | C | 11,486 | 15.7% | 6.61% |
| Guild Mortgage | A | 6,232 | 3.1% | 6.62% |
| Bellco Credit Union | F | 5,863 | 40.9% | 8.00% |
| U.S. Bank | D | 4,978 | 36.0% | 7.95% |
| American Financing | D | 4,937 | 41.3% | 6.38% |
| FirstBank | C | 4,929 | 15.6% | 7.00% |
| Canvas Credit Union | C | 4,889 | 13.7% | 7.89% |
| Elevations | C | 4,426 | 10.8% | 6.88% |
Frequently asked questions
Colorado: 413 applications in 2025, of which 278 were originated and 1 denied.
0.2% of all applications, or 0.3% of the applications it actually decided on. The Colorado statewide average across all lenders was 15.6%.
The median rate on loans Gold Star Mortgage Financial Group originated in Colorado 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 Colorado, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology