Daniel Milstein
Chief Executive Officer NMLS 21083

Daniel Milstein is the founder and CEO of Gold Star Mortgage Financial Group. Under Dan's leadership and vision, Gold Star has become a Top 50 residential mortgage lender in United States.

AJ Franchi
Chief Operating Officer NMLS 157368

AJ Franchi is Chief Operating Officer for Gold Star Mortgage Financial Group. An honors graduate of Michigan State University, Franchi joined Gold Star in 2008, and was shortly appointed Director of Retail Operations and to Gold Star’s Board of Directors.

Janet McClusky
Chief Financial Officer

Janet McClusky brings more than 25 years of Mortgage Banking and Accounting experience to her critical role as Chief Financial Officer for Gold Star. An integral member of Gold Star’s Executive Leadership Team since coming aboard in 2011.

Matt Roslin
Outside Director and Chairman of Audit and Compliance Committees

Matt Roslin serves as an Outside Director and the Chairman of the Audit and Compliance Committees. As a key contributor to the Board of Directors, Matt plays an integral role in all policy making, strategic planning and long term development.


Ryan Kinch
General Counsel

Ryan Kinch is General Counsel for Gold Star Mortgage Financial Group, and has overseen various departments throughout his tenure at Gold Star, including Human Resources, Compliance, Quality Control, and Internal Audit. Ryan prides himself on understanding the intersection of business functions and legal issues, allowing him to advise company leadership on pragmatic, risk-averse solutions. His core philosophy of collaborative problem-solving is evident in the strong teams Ryan assembles and the innovative solutions they characteristically develop and implement.

Cathi Patrick - Davidson
Divisional President NMLS 47992

Cathi Davidson is the Divisional President of the National Home Lending conglomerate, dba Gold Star Mortgage Financial Group. Cathi has been a trusted advisor and key member of our senior management team over the past 10 years.


Cristen Talbert
National Underwriting Manager

Cristen Talbert is the National Underwriting Manager leading our corporate headquarter and west coast Underwriting teams. She is also responsible for ensuring compliance with all federal and state underwriting regulations. Cristen and her team deliver high quality loan decisions to all branch locations.

Eric Schultz
Continuous Improvement Manager

Eric Schultz is the Continuous Improvement Manager for Gold Star Mortgage Financial Group. Eric oversees our daily pipeline flow for all operations teams. He is also responsible for corporate process improvement initiatives, along with ensuring the cultivation of continuous innovation within the workplace.


Lorie Miller
Vice President / Internal Auditor

Lorie Miller is the Internal Auditor for Gold Star Mortgage Financial Group. She serves as Vice President within the company to maintain all organizational and ethical standards while ensuring all internal audit activities carried out are in compliance with generally accepted industry best practices, including guidance issued by the GSEs, HUD, CFPB, and state regulatory agencies.

Traci Haynes
Director of Human Resources

Traci Haynes is the Director of Human Resources for Gold Star Mortgage Financial Group, working in concert with senior leadership to strengthen Gold Star’s organizational culture and development. Traci’s extensive experience in guiding and managing the overall provision of Human Resources services, policies and programs helps to ensure that Gold Star meet their industry-leading strategic growth and retention objectives, while remaining compliant with all regulatory governance.


Dave Christmas
Director, Capital Markets

David Christmas is the Director of Capital Markets for Gold Star Mortgage Financial Group. Dave manages the corporate rate lock desk team, loan products team, front end pricing engine, and hedges our mandatory pipeline.

Brendan Webley
Licensing Manager

Brendan Webley is the Licensing Manager for Gold Star Mortgage Financial Group. He is responsible for all licensure compliance to include company, branch, and individual Mortgage Loan Originator (MLO) license renewals and obtainment nationwide.


Laura Pearse
Compliance Manager

Laura Pearse is the Compliance Manager for Gold Star Mortgage Financial Group. She leads our HMDA, Re-Disclosure, and Reporting teams. She is also responsible for reviewing agency checklist and auditing loan documents against agency guidelines.

Stephanie Michalik
Closing Department Manager

Stephanie Michalik, Closing Department Manager, is charged with the timely delivery of all Closing Department services while ensuring a consistently seamless and positive Borrower experience. Stephanie’s unwavering commitment to continuous process improvement results in exceptional team training, streamlined closing processes, and proactive communication with all parties involved in closing, particularly Title and Settlement Agents.

Since accepting her leadership role, Stephanie has applied her customer service experience to improving departmental accountability, interdepartmental communication and service consistency, yielding the highest reported consumer satisfaction with Gold Star’s closing services to date. Stephanie holds a Bachelor of Science Degree in Psychology from Eastern Michigan University, and has also studied accounting extensively.


Eric T. Mitchell
Executive Vice President – National Retail NMLS 282876

Eric Mitchell is the Executive Vice President in National Retail for Gold Star Mortgage Financial Group. Eric brings over 16 years of mortgage origination and team building experience to Gold Star.

David Williams
Director, Information Technology

David Williams brings two decades of high level experience in Network and Infrastructure Architecting surrounding Business Continuity, IT Security and Disaster Recovery to his position of Director of Information Technology for Gold Star. David’s experience has been earned within a variety of industries, exposing him to diverse regulation/industry best practices, thereby affording him a unique and exceptionally well-rounded problem-solving expertise. Gold Star’s IT Department provides round-the-clock support for both its corporate headquarters and roughly 50 branches from coast-to-coast. The Department’s commitment to customer-focused, empathic communication is the heart of their incredible service record, and is represented in their department’s mantra of “If IT matters to you – IT matters to us.”