# Goldman Sachs Bank USA

> **Canonical URL:** https://saferate.com/lenders/goldman-sachs-bank-usa


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


Goldman Sachs Bank USA is a bank, headquartered in New York, NY, serving borrowers nationwide, with 359 loans originated in the most recent reporting period.

**At a Glance:**
- **Approval Rate:** Ranks in the top 56% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** KD3XUN7C6T14HNAYLU02
- **Headquarters:** New York, NY
- **Geographic Reach:** National
- **States Served:** 40
- **State List:** AL, AZ, CA, CO, CT, DC, DE, FL, GA, IA, ID, IL, IN, LA, MA, MD, ME, MI, MN, MO, MT, NC, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, TN, TX, UT, VA, VT, WA, WI, WY
- **Markets (MSAs):** 8
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pull Through: Sound ☺️
- Score: 44/100
- Rating: ●●●○○ (3/5)


### Lending Volume
- **Total Loans:** 359
- **Dollar Volume:** $469 million
- **Applications Received:** 406
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $1,305,780
- **Average Borrower Income:** $641,886
- **Average Property Value:** $2,442,799

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 28/100 | 116 | +0.070% | $0 | Acceptable 🙂 |
| Jumbo | 82/100 | 243 | -0.071% | $0 | Exceptional 🤩 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 86 loans, Score: 29/100 (Acceptable)
- Refinance: 30 loans, Score: 32/100 (Acceptable)

**Jumbo:**
- Purchase: 185 loans, Score: 82/100 (Exceptional)
- Refinance: 58 loans, Score: 57/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 43/100 | 271 | $350M | -0.035% | Sound ☺️ |
| Refinance | 46/100 | 88 | $119M | - | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| CA | 48 | 0.02% | 52/100 |
| TX | 43 | 0.01% | 51/100 |
| NY | 35 | 0.03% | 53/100 |
| FL | 34 | 0.01% | 48/100 |
| MA | 31 | 0.05% | 52/100 |
| IL | 29 | 0.02% | 50/100 |
| AZ | 13 | 0.01% | 42/100 |
| CT | 10 | 0.03% | 41/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 35 | 39/100 |
| Chicago | IL | 25 | 51/100 |
| Dallas | TX | 24 | 50/100 |
| New York | NY-NJ | 24 | 51/100 |
| Boston, MA | MA | 17 | 49/100 |
| San Francisco | CA | 12 | 47/100 |
| Phoenix | AZ | 10 | 40/100 |
| West Palm Beach | FL | 10 | 43/100 |

## Frequently Asked Questions

### What loan types does Goldman Sachs Bank USA offer?

Goldman Sachs Bank USA offers the following mortgage loan types: Conventional, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Goldman Sachs Bank USA offer mortgages?

Goldman Sachs Bank USA is a national lender offering mortgages in all 50 states plus Washington D.C.

### What type of lender is Goldman Sachs Bank USA?

Goldman Sachs Bank USA is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in New York, NY.

### What is Goldman Sachs Bank USA's loan approval success rate?

Goldman Sachs Bank USA has a pull-through score of 44/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/goldman-sachs-bank-usa

### How to Cite

> "Goldman Sachs Bank USA Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/goldman-sachs-bank-usa

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