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Goldman Sachs Bank USA

Bank•New York, NYHQ•Direct•Reviews near you on Google

Goldman Sachs Bank USA has 359 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pull-through
Sound
3/5
closing strength
Product
Exceptional
5/5
Conventional · Jumbo
Place
Sound
3/5
National · 7 mkts

Safe Rate Summary

What They Do Well

  • Nationwide availability with consistent service

Explore another lender or local market

Report Card

Goldman Sachs Bank USA performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
No peer data
Pull Through
Closing strength
Sound
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Acceptable
Bottom 40% of lenders
Jumbo
Exceptional
Top 20% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Sound
Top 60% of lenders
Refinance
Sound
Top 60% of lenders
By Location· Geographic coverage
Geographic Reach
National · 8 markets
Sound
Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Acceptable
Product
Acceptable
Pricing—
Pull Through
Sound
Volume116
Mix32.3%
Spread
+0.070%Above
Fees
$0Fees
Jumbo Loans
Overall
Exceptional
Product
Exceptional
Pricing—
Pull Through
Exceptional
Volume243
Mix67.7%
Spread
-0.071%Below
Fees
$0Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Sound
Product
Sound
Pricing—
Pull Through
Sound
Volume271
Mix75.5%
Spread
-0.035%Below
Fees
$0Fees
Refinance
Overall
Sound
Product
Sound
Pricing—
Pull Through
Strong
Volume88
Mix24.5%
Spread—
Fees—

At a Glance

Lender Overview

Lending Activity
Loans Originated
359
Applications
406
Volume
$468 million
Pricing & Closing
Pullthrough Rate
88.4%
Applications → Closed
Typical Borrower
Avg Loan Amount
$1,305,780
Avg Borrower Income
$641,886
Avg Property Value
$2,442,799

Geographic Coverage

Geographic Performance

Metro Areas
7
markets with activity
States Served
40
of 50 states + DC
Avg Place Specialization
Sound
3/5

States with Loan Originations

40
40 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
Northeast8
CTMEMANJNYPARIVT
Midwest8
IAILINMIMNMOOHWI
South13
ALDCDEFLGALAMDNCOKSCTNTXVA
West11
AZCACOIDMTNMNVORUTWAWY

Top Metro Areas by Place Specialization Score

1© Dllu · CC BY-SA 4.0
New York, NY-NJMetro
Volume 24Mix 6.69% of portfolio
51/100
Sound
2© John Picken · CC BY 2.0
Chicago, ILMetro
Volume 25Mix 6.96% of portfolio
51/100
Sound
3© Michael Barera · CC BY-SA 4.0
Dallas, TXMetro
Volume 24Mix 6.69% of portfolio
50/100
Sound
4© Luciof · CC BY-SA 3.0
Boston, MAMetro
Volume 17Mix 4.74% of portfolio
49/100
Sound
5© Basil D Soufi · CC BY-SA 4.0
San Francisco, CAMetro
Volume 12Mix 3.34% of portfolio
47/100
Sound
6© Don Ramey Logan · CC BY 4.0
West Palm Beach, FLMetro
Volume 10Mix 2.79% of portfolio
43/100
Sound
7© DPPed · CC BY-SA 3.0
Phoenix, AZMetro
Volume 10Mix 2.79% of portfolio
40/100
Sound

Top States by Place Specialization Score

New York
New York
1
New YorkState
Volume 35Mix 9.75% of portfolio
53/100
Sound
Massachusetts
Massachusetts
2
MassachusettsState
Volume 31Mix 8.64% of portfolio
52/100
Sound
California
California
3
CaliforniaState
Volume 48Mix 13.37% of portfolio
52/100
Sound
Texas
Texas
4
TexasState
Volume 43Mix 11.98% of portfolio
51/100
Sound
Illinois
Illinois
5
IllinoisState
Volume 29Mix 8.08% of portfolio
50/100
Sound
Florida
Florida
6
FloridaState
Volume 34Mix 9.47% of portfolio
48/100
Sound
Arizona
Arizona
7
ArizonaState
Volume 13Mix 3.62% of portfolio
42/100
Sound
Connecticut
Connecticut
8
ConnecticutState
Volume 10Mix 2.79% of portfolio
41/100
Sound

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.