Gold Star Mortgage Financial Group in Utah vs the state
7.9%Denial rate-8.09 pts vs state
12.6%Decision denial rate-6.57 pts vs state
44.4%Origination rate-18.86 pts vs state
6.50%Median rate-0.13 pts vs state
0.14Rate spread (pts)-0.10 pts vs state
$108kMedian applicant income
79Loans originated
14Denied
Trend in Utah
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 106 | 68 | 2.8% | 6.50% | #125 |
| 2025 | 178 | 79 | 7.9% | 6.50% | #106 |
What Gold Star Mortgage Financial Group lends in Utah
By loan purpose
By loan type
Why it denied Utah applicants
Where in Utah
Counties with the most Gold Star Mortgage Financial Group applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Washington County | 83 | 41 | 3 | 3.6% |
| Salt Lake County | 37 | 17 | 4 | 10.8% |
| Utah County | 27 | 9 | 5 | 18.5% |
| Beaver County | 5 | 2 | 0 | 0.0% |
| Iron County | 5 | 2 | 0 | 0.0% |
| Davis County | 5 | 2 | 1 | 20.0% |
| Tooele County | 4 | 1 | 0 | 0.0% |
| Carbon County | 2 | 0 | 0 | 0.0% |
| Box Elder County | 2 | 2 | 0 | 0.0% |
| Cache County | 2 | 0 | 1 | 50.0% |
Other large lenders in Utah
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| AMERICA FIRST Federal Credit Union | C | 16,303 | 18.3% | 6.99% |
| Mountain America Federal Credit Union | D | 15,401 | 36.5% | 7.24% |
| United Shore Financial Services | B | 11,325 | 8.5% | 6.25% |
| Rocket Mortgage | C | 6,276 | 14.6% | 6.63% |
| Guild Mortgage | A | 5,427 | 1.5% | 6.50% |
| Intercap Lending | A | 4,881 | 0.7% | 6.50% |
| Goldenwest | B | 4,794 | 17.6% | 7.50% |
| First Colony Mortgage | A | 3,499 | 2.1% | 6.38% |
| Kind Lending | C | 3,227 | 20.3% | 6.50% |
| Zions Bancorporation | B | 3,013 | 22.9% | 6.49% |
Frequently asked questions
Utah: 178 applications in 2025, of which 79 were originated and 14 denied.
7.9% of all applications, or 12.6% of the applications it actually decided on. The Utah statewide average across all lenders was 16.0%.
The median rate on loans Gold Star Mortgage Financial Group originated in Utah in 2025 was 6.50%, 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 Utah, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology