Gold Star Mortgage Financial Group in Maryland vs the state
10.8%Denial rate-8.03 pts vs state
19.4%Decision denial rate-4.69 pts vs state
35.4%Origination rate-20.33 pts vs state
6.50%Median rate-0.13 pts vs state
0.47Rate spread (pts)+0.22 pts vs state
$122kMedian applicant income
23Loans originated
7Denied
Trend in Maryland
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 47 | 23 | 4.3% | 6.50% | #298 |
| 2024 | 22 | 13 | 0.0% | 6.88% | #397 |
| 2025 | 65 | 23 | 10.8% | 6.50% | #288 |
What Gold Star Mortgage Financial Group lends in Maryland
By loan purpose
By loan type
Why it denied Maryland applicants
Where in Maryland
Counties with the most Gold Star Mortgage Financial Group applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Prince George's County | 11 | 1 | 2 | 18.2% |
| Charles County | 8 | 3 | 0 | 0.0% |
| Montgomery County | 6 | 3 | 0 | 0.0% |
| Baltimore city | 6 | 1 | 2 | 33.3% |
| Washington County | 5 | 0 | 0 | 0.0% |
| Baltimore County | 5 | 1 | 1 | 20.0% |
| Frederick County | 4 | 2 | 0 | 0.0% |
| Anne Arundel County | 4 | 3 | 0 | 0.0% |
| Harford County | 3 | 0 | 0 | 0.0% |
| Caroline County | 3 | 2 | 0 | 0.0% |
Other large lenders in Maryland
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 12,806 | 16.8% | 6.63% |
| Navy Federal Credit Union | D | 11,436 | 23.0% | 8.00% |
| United Shore Financial Services | B | 9,307 | 16.0% | 6.13% |
| Truist Bank | C | 6,559 | 34.9% | 6.49% |
| Bank of America | F | 6,051 | 35.8% | 6.24% |
| Newrez | D | 5,739 | 21.0% | 6.63% |
| State Employees Credit Union of Maryland | D | 5,624 | 44.6% | 6.25% |
| PNC Bank | D | 5,582 | 28.0% | 7.41% |
| Manufacturers and Traders Trust | C | 5,497 | 32.0% | 5.99% |
| Pennymac Loan Services | C | 5,411 | 12.4% | 6.49% |
Frequently asked questions
Maryland: 65 applications in 2025, of which 23 were originated and 7 denied.
10.8% of all applications, or 19.4% of the applications it actually decided on. The Maryland statewide average across all lenders was 18.8%.
The median rate on loans Gold Star Mortgage Financial Group originated in Maryland in 2025 was 6.50%, 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 Maryland, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology