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Goldman Sachs Bank USA
Bank|New York, NY|National
Loans Originated
359
Applications
406
Volume
$468 million
Offers loans directly to consumers
Overall Pull Through
Sound
Pricing and Pullthrough Overview
Pullthrough Rate
88.4%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Nationwide availability with consistent service
Report Card
Goldman Sachs Bank USA performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | N/A | No data available | |
Pull Through Closing Strength | Sound | Industry Standard | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Acceptable | Near industry average | |
Jumbo | Exceptional | Market Leader | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Sound | Industry Standard | |
Refinance | Sound | Industry Standard | |
Places Geographic coverage | Sound | National · 8 metro areas · 40 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$1,305,780
Average Borrower Income
$641,886
Average Property Value
$2,442,799
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Acceptable | Acceptable | N/A | Sound | 116 | 32.3% | +0.070% | $0 |
Jumbo Loans | Exceptional | Exceptional | N/A | Exceptional | 243 | 67.7% | -0.071% | $0 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Sound | N/A | Sound | 271 | 75.5% | -0.035% | $0 |
Refinance | Sound | Sound | N/A | Strong | 88 | 24.5% | — | — |
Geographic Coverage
Metro Areas
7
States Served
40
We count Washington DC as a state
Avg Place Specialization
Sound
States with Loan Originations
ALAZCACOCTDCDEFLGAIAIDILINLAMAMDMEMIMNMOMTNCNJNMNVNYOHOKORPARISCTNTXUTVAVTWAWIWY
Top Metro Areas by Place Specialization Score
1
New York, NY-NJMSA
Volume: 24Mix: 6.69%
Place Specialization
Sound
2
Chicago, ILMSA
Volume: 25Mix: 6.96%
Place Specialization
Sound
3
Dallas, TXMSA
Volume: 24Mix: 6.69%
Place Specialization
Sound
4
Boston, MA, MAMSA
Volume: 17Mix: 4.74%
Place Specialization
Sound
5
San Francisco, CAMSA
Volume: 12Mix: 3.34%
Place Specialization
Sound
6
West Palm Beach, FLMSA
Volume: 10Mix: 2.79%
Place Specialization
Sound
7
Phoenix, AZMSA
Volume: 10Mix: 2.79%
Place Specialization
Sound
Top States by Place Specialization Score
1
NYState
Volume: 35Mix: 9.75%
Place Specialization
Sound
2
MAState
Volume: 31Mix: 8.64%
Place Specialization
Sound
3
CAState
Volume: 48Mix: 13.37%
Place Specialization
Sound
4
TXState
Volume: 43Mix: 11.98%
Place Specialization
Sound
5
ILState
Volume: 29Mix: 8.08%
Place Specialization
Sound
6
FLState
Volume: 34Mix: 9.47%
Place Specialization
Sound
7
AZState
Volume: 13Mix: 3.62%
Place Specialization
Sound
8
CTState
Volume: 10Mix: 2.79%
Place Specialization
Sound
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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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