Gold Star Mortgage Financial Group in Michigan vs the state
2.0%Denial rate-16.54 pts vs state
2.4%Decision denial rate-20.15 pts vs state
70.4%Origination rate+10.52 pts vs state
6.63%Median rate-0.13 pts vs state
0.43Rate spread (pts)+0.03 pts vs state
$92kMedian applicant income
1,280Loans originated
36Denied
Trend in Michigan
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,599 | 1,149 | 3.3% | 6.99% | #43 |
| 2024 | 1,508 | 1,072 | 2.5% | 6.88% | #53 |
| 2025 | 1,818 | 1,280 | 2.0% | 6.63% | #48 |
What Gold Star Mortgage Financial Group lends in Michigan
By loan purpose
By loan type
Why it denied Michigan applicants
Where in Michigan
Counties with the most Gold Star Mortgage Financial Group applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Wayne County | 471 | 321 | 12 | 2.5% |
| Washtenaw County | 320 | 231 | 2 | 0.6% |
| Oakland County | 262 | 187 | 5 | 1.9% |
| Macomb County | 181 | 130 | 7 | 3.9% |
| Lenawee County | 83 | 54 | 3 | 3.6% |
| Livingston County | 70 | 55 | 1 | 1.4% |
| Jackson County | 58 | 47 | 0 | 0.0% |
| Genesee County | 53 | 35 | 3 | 5.7% |
| Monroe County | 40 | 27 | 1 | 2.5% |
| Ingham County | 33 | 23 | 0 | 0.0% |
Other large lenders in Michigan
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 30,644 | 16.3% | 6.75% |
| United Shore Financial Services | B | 29,330 | 11.7% | 6.60% |
| The Huntington National Bank | D | 20,047 | 30.0% | 7.49% |
| Lake Michigan Credit Union | A | 16,662 | 5.6% | 6.75% |
| Fifth Third Bank | D | 11,176 | 26.4% | 7.50% |
| 21st Mortgage | F | 7,424 | 53.4% | 11.04% |
| Citizens Bank | C | 6,592 | 29.0% | 7.65% |
| Triad Financial Services | D | 6,426 | 56.1% | 8.49% |
| Union Home Mortgage | B | 5,303 | 4.3% | 6.75% |
| PNC Bank | D | 5,161 | 26.3% | 7.36% |
Frequently asked questions
Michigan: 1,818 applications in 2025, of which 1,280 were originated and 36 denied.
2.0% of all applications, or 2.4% of the applications it actually decided on. The Michigan statewide average across all lenders was 18.5%.
The median rate on loans Gold Star Mortgage Financial Group originated in Michigan in 2025 was 6.63%, against a statewide median of 6.75%.
About this data. Figures are Gold Star Mortgage Financial Group's own HMDA filing for properties located in Michigan, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology