Goldman Sachs Bank USA mortgage approval rate & lending review
Goldman Sachs Bank USA decided 1,686 mortgage applications and funded 1,622 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Goldman Sachs Bank USA reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Goldman Sachs Bank USA at a glance
Approval is 15.0 points above the 83.7% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 100% | 853 / 857 | 97% | $1.27M | 831 |
| Cash-out refinance | 96% | 106 / 111 | 99% | $1.85M | 105 |
| Refinance | 99% | 265 / 269 | 99% | $1.12M | 262 |
| Investment property purchase | 99% | 317 / 321 | 96% | $1.24M | 304 |
| Investment cash-out refinance | 95% | 42 / 44 | 98% | $2M | 41 |
| Investment refinance | 95% | 80 / 84 | 99% | $1.73M | 79 |
Goldman Sachs Bank USA lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| California | 98% | $2.31M | 335 | 319 |
| Texas | 100% | $1.27M | 189 | 186 |
| New York | 98% | $1.50M | 174 | 162 |
| Florida | 98% | $1.88M | 170 | 164 |
| Illinois | 100% | $1.25M | 122 | 121 |
| Massachusetts | 100% | $1.30M | 91 | 88 |
| New Jersey | 96% | $1M | 51 | 48 |
| Arizona | 100% | $1.42M | 46 | 44 |
| Washington | 98% | $1.54M | 44 | 43 |
| North Carolina | 100% | $1.64M | 37 | 35 |
| Connecticut | 94% | $1.05M | 35 | 31 |
| Pennsylvania | 97% | $755K | 34 | 33 |
| Georgia | 91% | $1.08M | 32 | 28 |
| South Carolina | 100% | $1.91M | 30 | 30 |
| Virginia | 100% | $1.10M | 28 | 27 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Goldman Sachs Bank USA lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| New York County, NY | Mortgage lenders | 100% | 37 | 34 |
| New York County, NY | Investment property purchase | 100% | 20 | 20 |
The county markets where Goldman Sachs Bank USA made the most loans. Each link opens that market with every lender ranked.
Questions about Goldman Sachs Bank USA
What is Goldman Sachs Bank USA's mortgage approval rate?
Goldman Sachs Bank USA approved 98.6% of the 1,686 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 15.0 points above the 83.7% national rate for the same mix of loan types.
How often do borrowers take the loan Goldman Sachs Bank USA offers?
Borrowers accepted 98% of the loans Goldman Sachs Bank USA approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Goldman Sachs Bank USA make?
The typical home purchase mortgage loan Goldman Sachs Bank USA made was $1.27M; across all loan types its typical loan ran from $1.12M to $2M. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Goldman Sachs Bank USA lend?
Goldman Sachs Bank USA decided applications in 48 of the states Fat Boy Data covers, most of them in California, Texas and New York.
Can I apply to Goldman Sachs Bank USA directly?
Yes. Goldman Sachs Bank USA is a bank or credit union with 5 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Goldman Sachs Bank USA's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Goldman Sachs Bank USA treats applications, then get a rate quote from the lender.