Gold Star Mortgage Financial Group in Minnesota vs the state
5.2%Denial rate-8.38 pts vs state
6.7%Decision denial rate-9.68 pts vs state
67.0%Origination rate+0.59 pts vs state
6.63%Median rate0.00 pts vs state
0.53Rate spread (pts)+0.27 pts vs state
$114kMedian applicant income
77Loans originated
6Denied
Trend in Minnesota
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 122 | 85 | 3.3% | 6.99% | #163 |
| 2024 | 104 | 66 | 1.0% | 6.99% | #185 |
| 2025 | 115 | 77 | 5.2% | 6.63% | #188 |
What Gold Star Mortgage Financial Group lends in Minnesota
By loan purpose
By loan type
Why it denied Minnesota applicants
Where in Minnesota
Counties with the most Gold Star Mortgage Financial Group applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Hennepin County | 39 | 27 | 6 | 15.4% |
| Dakota County | 15 | 8 | 0 | 0.0% |
| Ramsey County | 12 | 8 | 0 | 0.0% |
| Washington County | 8 | 7 | 0 | 0.0% |
| Wright County | 8 | 8 | 0 | 0.0% |
| Anoka County | 7 | 3 | 0 | 0.0% |
| Sherburne County | 5 | 3 | 0 | 0.0% |
| Scott County | 4 | 2 | 0 | 0.0% |
| Carver County | 3 | 1 | 0 | 0.0% |
| Isanti County | 3 | 1 | 0 | 0.0% |
Other large lenders in Minnesota
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 8,694 | 10.6% | 6.38% |
| U.S. Bank | D | 8,624 | 30.4% | 7.88% |
| Bell Bank | A | 7,987 | 5.3% | 6.63% |
| Rocket Mortgage | C | 7,630 | 16.3% | 6.63% |
| Trustone Financial Credit Union | C | 6,066 | 20.0% | 7.25% |
| Affinity Plus | C | 5,438 | 14.6% | 6.63% |
| Blaze Credit Union | B | 4,074 | 12.3% | 6.38% |
| Wings Financial Credit Union | A | 3,960 | 16.4% | 7.25% |
| Crosscountry Mortgage | B | 3,942 | 2.1% | 6.63% |
| Fairway Independent Mortgage | B | 3,327 | 3.2% | 6.75% |
Frequently asked questions
Minnesota: 115 applications in 2025, of which 77 were originated and 6 denied.
5.2% of all applications, or 6.7% of the applications it actually decided on. The Minnesota statewide average across all lenders was 13.6%.
The median rate on loans Gold Star Mortgage Financial Group originated in Minnesota 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 Minnesota, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology