Applications / Mortgage Analytics / Lenders / Michigan / Gold Star Mortgage Financial Group
Ann Arbor, MI · Independent non-bank lender · CFPB · 6,891 loans in 2025
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6,891
loans originated, 2025
11,134
applications, 2025
43
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Gold Star Mortgage Financial Group, a home-purchase lender based in Ann Arbor, grew 35% in 2025 to 6,891 loans, faster than about three in four similar lenders.
Originations rose 35% from 5,102, against 13% for similar lenders (independent non-bank lenders making between half and twice as many loans) and 10% for the whole market. Five years earlier it made 10,305. Purchases made up 87.7% of its lending.
It ranked 5 of 310 lenders in Ann Arbor, with a share of 3.9%, up from 3.6%. In Reno it ranked 10 of 325, and its share rose to 2.1% from 1.1%. By loans, its main state was Florida.
It made 23.5% of its loans in LMI (low- and moderate-income) areas, against 20.3%, more than about four in five similar lenders, up from 13.0% five years earlier. LMI borrowers were 31.6%, against 29.1%. Its typical loan was $265,000, against $315,000, and FHA loans (insured by the Federal Housing Administration) were 29.0%, against 24.9%.
It turned down 3.4% of first-lien refinance applications on owner-occupied homes, against 8.7%, lower than about four in five similar lenders. Its purchase denial rate, 4.3%, was near the middle.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Gold Star Mortgage Financial Group took 11,134 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 87.7% · Refinance 11.9% · Home improvement 0.3%
Conventional 60.7% · FHA 29.0% · VA 9.2% · USDA (RHS or FSA) 1.1% · of 6,891 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Florida | 1,346 | 19.5% |
| Michigan | 1,280 | 18.6% |
| Texas | 409 | 5.9% |
| Indiana | 364 | 5.3% |
| Nevada | 325 | 4.7% |
| North Carolina | 308 | 4.5% |
| Colorado | 278 | 4.0% |
| Wyoming | 244 | 3.5% |
| Washington | 213 | 3.1% |
| Ohio | 203 | 2.9% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Warren-Troy-Farmington Hills | 398 |
| Detroit-Dearborn-Livonia | 321 |
| Ann Arbor | 231 |
| Reno | 230 |
| Lake County-Porter County-Jasper County | 228 |
| Jacksonville | 173 |
| Orlando-Kissimmee-Sanford | 164 |
| Tampa | 157 |
| Grand Junction | 152 |
| Chicago-Naperville-Schaumburg | 148 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493002Y5XYV7DV1ZV88 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3870419 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 7383564305 |
Established 18 October 2000. Reported under HMDA 2006-2025.
Mergers, name changes, data editions and corrections: Gold Star Mortgage Financial Group's data.
Gold Star Mortgage Financial Group's data
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Gold Star Mortgage Financial Group and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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