Gold Star Mortgage Financial Group, Corporation denied 7.0% of its 2,534 decisioned FHA applications in 2025 — rank #77 of the 100 largest FHA lenders, below the national rate of 21.7%. Source: complete CFPB HMDA 2025 federal record. Observed rates reflect applicant mix and channel as well as underwriting — not an endorsement or a warning.
Top cited reasons on denied files in 2025: debt-to-income (31.1%), credit history (29.7%), other (9.4%) (shares of all cited reasons; a denied file may cite several). Reason codes record outcomes, not causes — context: the reason fingerprint.
Median rate on originated FHA purchase loans in 2025: 6.625%; median spread vs APOR: 0.772 (1,876 originations). Odds and price for all 60 largest doors: rates vs denial.
| State | FHA apps | Denial rate |
|---|---|---|
| WY | 112 | 1.8% |
Largest state markets (cells n≥100). State pages: the door map.
Nobody. Gold Star Mortgage Financial Group, Corporation did not pay to appear here and cannot pay to change this page. FinanceRateCalc is not a lender, has no lending partners, and sells no leads — tables are processed independently from federal filings by a former banker with 23 years of credit experience. Compare: all 100 lenders ranked · all 52 states · five myths vs the record.