Gold Star Mortgage Financial Group in North Carolina vs the state
2.0%Denial rate-16.07 pts vs state
2.6%Decision denial rate-20.25 pts vs state
68.1%Origination rate+10.33 pts vs state
6.63%Median rate+0.13 pts vs state
0.30Rate spread (pts)+0.21 pts vs state
$122kMedian applicant income
308Loans originated
9Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 299 | 197 | 2.0% | 6.88% | #157 |
| 2024 | 372 | 261 | 1.3% | 6.75% | #154 |
| 2025 | 452 | 308 | 2.0% | 6.63% | #149 |
What Gold Star Mortgage Financial Group lends in North Carolina
By loan purpose
By loan type
Why it denied North Carolina applicants
Where in North Carolina
Counties with the most Gold Star Mortgage Financial Group applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Wake County | 167 | 119 | 0 | 0.0% |
| Johnston County | 38 | 22 | 2 | 5.3% |
| Mecklenburg County | 27 | 19 | 2 | 7.4% |
| Harnett County | 25 | 16 | 0 | 0.0% |
| Durham County | 23 | 12 | 0 | 0.0% |
| Cumberland County | 11 | 5 | 0 | 0.0% |
| Gaston County | 8 | 5 | 0 | 0.0% |
| New Hanover County | 7 | 6 | 0 | 0.0% |
| Brunswick County | 7 | 7 | 0 | 0.0% |
| Granville County | 7 | 5 | 0 | 0.0% |
Other large lenders in North Carolina
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| State Employees' | C | 47,893 | 25.2% | 6.25% |
| Rocket Mortgage | C | 25,109 | 16.0% | 6.63% |
| United Shore Financial Services | B | 18,884 | 11.4% | 6.13% |
| Vanderbilt Mortgage and Finance | F | 15,008 | 38.0% | 7.75% |
| Truist Bank | C | 14,364 | 30.3% | 6.50% |
| Movement Mortgage | A | 11,091 | 2.6% | 6.63% |
| Navy Federal Credit Union | D | 10,565 | 19.4% | 7.13% |
| First-Citizens Bank & Trust | B | 10,319 | 19.6% | 6.38% |
| Bank of America | F | 10,276 | 28.2% | 6.24% |
| Mortgage Research Center | C | 10,029 | 17.7% | 6.25% |
Frequently asked questions
North Carolina: 452 applications in 2025, of which 308 were originated and 9 denied.
2.0% of all applications, or 2.6% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans Gold Star Mortgage Financial Group originated in North Carolina in 2025 was 6.63%, against a statewide median of 6.50%.
About this data. Figures are Gold Star Mortgage Financial Group's own HMDA filing for properties located in North Carolina, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology