APR.net

GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION

6,891 mortgages originated in 2025 across 26 states, and what they cost borrowers.

30-year fixed, this week

6.58%

Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history

Loans originated
6,891
Median rate
6.625%
Median lender fees
$6,579
Median loan amount
$265,000
Median spread over APOR
0.426
Paid discount points
50.8%
Received lender credits
40.9%
Purchases / refinances
87.7% / 11.9%
Conventional / FHA / VA
60.7% / 29% / 9.2%
Across all lenders nationally in 2025, the median rate was 6.625% and median lender fees were $5,786 on 6,807,732 originations. Fee levels differ with the mix of loans a lender makes — purchase against refinance, conventional against government-backed — as well as with what it charges.

Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 98.8% of loans here — see methodology.

Where GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION lent

States with at least 50 loans in 2025, ranked by volume.

State Loans Median fees Median rate
Florida 1,346 $8,031 6.625%
Michigan 1,280 $4,677 6.625%
Texas 409 $8,739 6.625%
Indiana 364 $4,875 6.625%
Nevada 325 $9,249 6.625%
North Carolina 308 $6,514 6.625%
Colorado 278 $6,605 6.625%
Wyoming 244 $7,046 6.375%
Washington 213 $9,768 6.625%
Ohio 203 $6,469 7.125%
Wisconsin 183 $4,749 6.875%
Illinois 182 $6,529 6.625%
Arizona 158 $9,888 6.625%
New Mexico 145 $4,020 6.625%
Missouri 131 $6,141 6.750%
Nebraska 121 $4,234 6.625%
Pennsylvania 102 $7,425 6.750%
Virginia 95 $6,235 6.625%
California 81 $12,177 6.625%
Utah 79 $9,326 6.500%
Oklahoma 78 $6,837 6.625%
Minnesota 77 $5,114 6.625%
Georgia 75 $9,596 6.500%
Kansas 65 $4,524 6.625%
Tennessee 55 $7,710 6.750%
South Carolina 54 $7,499 6.933%