Gold Star Mortgage Financial Group in Ohio vs the state
2.3%Denial rate-15.39 pts vs state
3.4%Decision denial rate-18.54 pts vs state
51.8%Origination rate-8.11 pts vs state
7.13%Median rate+0.25 pts vs state
1.28Rate spread (pts)+0.89 pts vs state
$80kMedian applicant income
203Loans originated
9Denied
Trend in Ohio
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 417 | 230 | 3.8% | 7.13% | #132 |
| 2024 | 476 | 263 | 1.3% | 7.13% | #121 |
| 2025 | 392 | 203 | 2.3% | 7.13% | #166 |
What Gold Star Mortgage Financial Group lends in Ohio
By loan purpose
By loan type
Why it denied Ohio applicants
Where in Ohio
Counties with the most Gold Star Mortgage Financial Group applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Ross County | 101 | 53 | 1 | 1.0% |
| Cuyahoga County | 45 | 22 | 1 | 2.2% |
| Franklin County | 26 | 10 | 3 | 11.5% |
| Pike County | 23 | 13 | 0 | 0.0% |
| Jackson County | 17 | 8 | 0 | 0.0% |
| Lorain County | 14 | 9 | 0 | 0.0% |
| Hamilton County | 14 | 12 | 0 | 0.0% |
| Summit County | 9 | 3 | 1 | 11.1% |
| Butler County | 8 | 4 | 0 | 0.0% |
| Montgomery County | 8 | 4 | 2 | 25.0% |
Other large lenders in Ohio
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| The Huntington National Bank | D | 42,683 | 25.8% | 7.59% |
| Rocket Mortgage | C | 23,165 | 18.5% | 6.63% |
| Fifth Third Bank | D | 21,939 | 25.6% | 7.50% |
| Crosscountry Mortgage | B | 16,066 | 3.1% | 6.75% |
| United Shore Financial Services | B | 14,626 | 13.1% | 6.45% |
| Third Federal Savings and Loan Association of Cleveland | C | 12,622 | 23.0% | 6.74% |
| PNC Bank | D | 11,607 | 24.6% | 7.40% |
| Wright-Patt Credit Union | C | 8,791 | 28.1% | 7.50% |
| U.S. Bank | D | 8,623 | 38.0% | 7.60% |
| Citizens Bank | C | 7,775 | 24.3% | 7.65% |
Frequently asked questions
Ohio: 392 applications in 2025, of which 203 were originated and 9 denied.
2.3% of all applications, or 3.4% of the applications it actually decided on. The Ohio statewide average across all lenders was 17.7%.
The median rate on loans Gold Star Mortgage Financial Group originated in Ohio in 2025 was 7.13%, against a statewide median of 6.88%.
About this data. Figures are Gold Star Mortgage Financial Group's own HMDA filing for properties located in Ohio, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology