Gold Star Mortgage Financial Group in Pennsylvania vs the state
5.9%Denial rate-12.37 pts vs state
7.8%Decision denial rate-14.40 pts vs state
60.4%Origination rate-0.60 pts vs state
6.75%Median rate+0.13 pts vs state
0.50Rate spread (pts)+0.26 pts vs state
$99kMedian applicant income
102Loans originated
10Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 14 | 7 | 7.1% | 6.13% | #664 |
| 2024 | 23 | 12 | 4.4% | 6.63% | #593 |
| 2025 | 169 | 102 | 5.9% | 6.75% | #304 |
What Gold Star Mortgage Financial Group lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most Gold Star Mortgage Financial Group applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Allegheny County | 34 | 24 | 1 | 2.9% |
| Luzerne County | 31 | 11 | 0 | 0.0% |
| Washington County | 21 | 19 | 1 | 4.8% |
| Beaver County | 13 | 8 | 1 | 7.7% |
| Butler County | 8 | 6 | 0 | 0.0% |
| Westmoreland County | 7 | 4 | 0 | 0.0% |
| Lackawanna County | 5 | 1 | 0 | 0.0% |
| Lawrence County | 5 | 4 | 0 | 0.0% |
| Indiana County | 3 | 1 | 1 | 33.3% |
| Montgomery County | 3 | 2 | 0 | 0.0% |
Other large lenders in Pennsylvania
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 22,411 | 18.6% | 6.75% |
| Citizens Bank | C | 18,256 | 28.1% | 7.65% |
| PNC Bank | D | 18,031 | 20.6% | 6.88% |
| United Shore Financial Services | B | 13,178 | 13.4% | 6.47% |
| Crosscountry Mortgage | B | 11,615 | 3.3% | 6.63% |
| Members 1st | B | 10,863 | 30.9% | 1.99% |
| First National Bank of Pennsylvania | B | 9,542 | 27.8% | 6.49% |
| Police & Fire | C | 8,460 | 34.6% | 6.25% |
| PENNSYLVANIA STATE EMPLOYEES Credit Union | C | 8,308 | 13.7% | 6.64% |
| Pennymac Loan Services | C | 7,900 | 12.6% | 6.50% |
Frequently asked questions
Pennsylvania: 169 applications in 2025, of which 102 were originated and 10 denied.
5.9% of all applications, or 7.8% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans Gold Star Mortgage Financial Group originated in Pennsylvania in 2025 was 6.75%, 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 Pennsylvania, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology