Gsb Mortgage at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the B grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
68th5.9% deniedPricingmedian rate spread over APOR, weight 30%
47th0.29 ptsProcesswithdrawn + incomplete share, weight 15%
33rd15.6%Closing coststotal loan costs ÷ loan amount, weight 10%
60th1.65% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 107 | 93 | 0.9% | 1.1% | — | $42M |
| 2024 | 134 | 109 | 2.2% | 2.7% | 6.50% | $43M |
| 2025 | 141 | 112 | 5.0% | 5.9% | 6.63% | $42M |
What Gsb Mortgage lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 0 manufactured homes, 12 investment properties.
Why Gsb Mortgage denies applications
Primary reason reported for each of the 7 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Gsb Mortgage
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 33 | 28 | 12.5% |
| $100k – $150k | 30 | 27 | 0.0% |
| $150k – $250k | 29 | 24 | 11.1% |
| Over $250k | 27 | 26 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 35 | 27 | 6.9% |
| 35–44 | 31 | 25 | 7.4% |
| 45–54 | 22 | 18 | 5.3% |
| 55–64 | 29 | 25 | 3.9% |
Where Gsb Mortgage lends
6 states and 34 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Texas | 136 | 107 | 5.2% | 6.63% | #493 |
Frequently asked questions
Gsb Mortgage denied 5.9% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 68th percentile of small mortgage lenders.
The most common reason Gsb Mortgage gave in 2025 was "other", cited on 42.9% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans Gsb Mortgage originated in 2025 was 6.63%, and its median rate spread over the average prime offer rate was 0.29 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 82% of its applications were for home purchases, 18% for refinancing (including cash-out), and 0% for home improvement or other purposes. By loan type: 86% conventional, 11% FHA, 4% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.