Goldman Sachs Bank Usa Mortgage Rates, Fees & Info
New York, NYLEI: KD3XUN7C6T14HNAYLU02
Tax ID: 13-3571598
2021 Data | 2020 Data | 2019 Data | 2018 Data
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Overview
Goldman Sachs Bank Usa is a mid-sized bank specializing in Home Purchase, Refi, and Other loans. Goldman Sachs Bank Usa has a high proportion of conventional loans. Their top markets include Los Angeles, New York, San Francisco, Miami, and Seattle among others. Goldman Sachs Bank Usa has an above average approval rate for mortages when compared nationally. They have a below average pick rate when compared to the same sample of other lendors. Goldman Sachs Bank Usa is typically a high fee lendor.Originations
3,120Origination Dollar Volume (All Markets)
$5,048,840,000Employee count
3,699Awards
Goldman Sachs Bank USA - 2021
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For 2021, less than of lenders were eligible for this award.
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Relative Rate
Goldman Sachs Bank Usa's average 30 year fixed rate mortgage of loans were
2.7%.
The 2021 average 30 year fixed rate mortgage across all markets of loans were 3.15%.
This yields a difference of -0.45%.
Relative Fees
Goldman Sachs Bank Usa's average total fees for a 30 year fixed rate
mortgage are $8,140.
The average total origination fees for 30 year fixed rate mortgages (for all loan values, including
both points & up-front fees in addition to origination fees) are $4,750.
Top Markets
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 544 | $1,239,830,000 | $2,279,099 | $9,524 | 5.88% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 256 | $609,440,000 | $2,380,625 | $9,975 | 3.44% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 131 | $279,375,000 | $2,132,634 | $5,935 | 4.42% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 81 | $261,915,000 | $3,233,519 | $15,498 | 3.07% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 149 | $239,525,000 | $1,607,550 | $4,902 | 6.10% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 73 | $158,135,000 | $2,166,233 | $5,476 | 5.65% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 98 | $131,180,000 | $1,338,571 | $4,100 | 3.29% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 62 | $107,910,000 | $1,740,484 | $5,122 | 4.50% |
| Outside of Metro Areas | 36 | $97,540,000 | $2,709,444 | $9,809 | 2.77% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 52 | $93,320,000 | $1,794,615 | $6,848 | 2.75% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 75 | $88,795,000 | $1,183,933 | $4,090 | 6.17% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 99 | $79,665,000 | $804,697 | $6,185 | 5.29% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 19 | $72,825,000 | $3,832,895 | $9,726 | 2.60% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 48 | $67,660,000 | $1,409,583 | $5,375 | 4.86% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 24 | $60,190,000 | $2,507,917 | $11,011 | 2.71% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 31 | $59,545,000 | $1,920,806 | $8,843 | 3.25% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 68 | $56,460,000 | $830,294 | $9,144 | 4.32% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 23 | $53,585,000 | $2,329,783 | $9,935 | 4.03% |
| Heber, UT (FHA|USDA|VA) | 15 | $49,265,000 | $3,284,333 | $8,677 | 2.76% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 17 | $46,175,000 | $2,716,176 | $8,598 | 3.66% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 20 | $44,600,000 | $2,230,000 | $16,491 | 2.78% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 130 | $41,730,000 | $321,000 | $3,670 | 6.75% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 68 | $38,430,000 | $565,147 | $6,370 | 5.99% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 77 | $38,425,000 | $499,026 | $9,601 | 5.12% |
| Edwards, CO (FHA|USDA|VA) | 13 | $37,235,000 | $2,864,231 | $7,253 | 2.60% |
| TUCSON, AZ (FHA|USDA|VA) | 162 | $36,080,000 | $222,716 | $5,944 | 6.42% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 65 | $31,035,000 | $477,462 | $7,155 | 5.84% |
| Glenwood Springs, CO (FHA|USDA|VA) | 10 | $30,880,000 | $3,088,000 | $11,034 | 2.75% |
| Vineyard Haven, MA (FHA|USDA|VA) | 9 | $30,525,000 | $3,391,667 | $12,903 | 2.78% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 1 | $29,875,000 | $29,875,000 | $0 | 2.34% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 22 | $29,070,000 | $1,321,364 | $11,049 | 3.98% |
| SALINAS, CA (FHA|USDA|VA) | 5 | $28,855,000 | $5,771,000 | $18,371 | 2.46% |
| Jackson, WY-ID (FHA|USDA|VA) | 6 | $28,790,000 | $4,798,333 | $14,118 | 2.58% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 16 | $28,660,000 | $1,791,250 | $6,700 | 4.36% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 14 | $28,560,000 | $2,040,000 | $3,347 | 4.45% |
| ANN ARBOR, MI (FHA|USDA|VA) | 3 | $27,865,000 | $9,288,333 | $2,950 | 3.38% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 42 | $27,580,000 | $656,667 | $3,881 | 4.31% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 11 | $25,705,000 | $2,336,818 | $12,990 | 3.39% |
| BARNSTABLE TOWN, MA (FHA|USDA|VA) | 12 | $23,250,000 | $1,937,500 | $7,380 | 2.70% |
| NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN (FHA|USDA|VA) | 15 | $19,505,000 | $1,300,333 | $4,159 | 3.27% |
| NAPA, CA (FHA|USDA|VA) | 6 | $19,090,000 | $3,181,667 | $9,449 | 3.93% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 7 | $18,915,000 | $2,702,143 | $13,848 | 2.76% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 9 | $18,525,000 | $2,058,333 | $6,544 | 2.57% |
| Kapaa, HI (FHA|USDA|VA) | 2 | $16,610,000 | $8,305,000 | $27,514 | 2.78% |
| URBAN HONOLULU, HI (FHA|USDA|VA) | 4 | $16,400,000 | $4,100,000 | $16,229 | 2.59% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 8 | $16,000,000 | $2,000,000 | $5,607 | 2.67% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 7 | $15,695,000 | $2,242,143 | $5,335 | 2.66% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 29 | $15,385,000 | $530,517 | $6,377 | 5.13% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 12 | $14,730,000 | $1,227,500 | $3,507 | 2.64% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 8 | $14,620,000 | $1,827,500 | $9,386 | 2.76% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 33 | $14,455,000 | $438,030 | $8,162 | 5.24% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 3 | $14,205,000 | $4,735,000 | $3,120 | 4.25% |
| BOULDER, CO (FHA|USDA|VA) | 8 | $13,840,000 | $1,730,000 | $5,161 | 2.81% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 7 | $13,535,000 | $1,933,571 | $6,893 | 2.71% |
| BRUNSWICK, GA (FHA|USDA|VA) | 5 | $13,145,000 | $2,629,000 | $6,431 | 4.44% |
| OCEAN CITY, NJ (FHA|USDA|VA) | 4 | $12,000,000 | $3,000,000 | $13,297 | 2.88% |
| DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) | 1 | $11,895,000 | $11,895,000 | $0 | 3.39% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 9 | $11,795,000 | $1,310,556 | $5,330 | 2.73% |
| Hailey, ID (FHA|USDA|VA) | 5 | $11,535,000 | $2,307,000 | $17,461 | 2.74% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 5 | $11,055,000 | $2,211,000 | $14,662 | 3.54% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 11 | $10,675,000 | $970,455 | $4,761 | 4.27% |
| Bozeman, MT (FHA|USDA|VA) | 4 | $9,430,000 | $2,357,500 | $10,481 | 2.53% |
| SANTA FE, NM (FHA|USDA|VA) | 6 | $9,270,000 | $1,545,000 | $6,901 | 2.92% |
| NORWICH-NEW LONDON, CT (FHA|USDA|VA) | 3 | $7,995,000 | $2,665,000 | $9,688 | 2.53% |
| RENO, NV (FHA|USDA|VA) | 3 | $7,485,000 | $2,495,000 | $7,157 | 2.75% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 10 | $7,370,000 | $737,000 | $0 | 7.71% |
| RICHMOND, VA (FHA|USDA|VA) | 6 | $7,210,000 | $1,201,667 | $4,118 | 2.89% |
| Whitewater, WI (FHA|USDA|VA) | 2 | $7,130,000 | $3,565,000 | $6,548 | 2.60% |
| Key West, FL (FHA|USDA|VA) | 3 | $6,935,000 | $2,311,667 | $12,312 | 2.93% |
| ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) | 5 | $6,015,000 | $1,203,000 | $5,384 | 3.77% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 22 | $5,970,000 | $271,364 | $4,420 | 6.82% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 4 | $5,570,000 | $1,392,500 | $2,911 | 2.59% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 17 | $5,435,000 | $319,706 | $13,667 | 5.68% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 4 | $5,360,000 | $1,340,000 | $8,867 | 4.99% |
| PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) | 4 | $5,070,000 | $1,267,500 | $3,834 | 2.70% |
| Hilo, HI (FHA|USDA|VA) | 2 | $4,750,000 | $2,375,000 | $11,899 | 2.65% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 6 | $4,610,000 | $768,333 | $2,632 | 3.15% |
| PITTSBURGH, PA (FHA|USDA|VA) | 5 | $4,305,000 | $861,000 | $7,732 | 3.64% |
| Outside of Metro Areas | 2 | $4,300,000 | $2,150,000 | $10,061 | 2.45% |
| Cullowhee, NC (FHA|USDA|VA) | 2 | $4,180,000 | $2,090,000 | $6,067 | 2.53% |
| MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) | 2 | $3,810,000 | $1,905,000 | $5,033 | 2.40% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 11 | $3,675,000 | $334,091 | $5,927 | 5.50% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 15 | $3,545,000 | $236,333 | $3,660 | 5.61% |
| Gardnerville Ranchos, NV (FHA|USDA|VA) | 2 | $3,500,000 | $1,750,000 | $4,892 | 2.50% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 11 | $3,465,000 | $315,000 | $5,640 | 6.75% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 11 | $3,445,000 | $313,182 | $3,133 | 5.58% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 3 | $3,365,000 | $1,121,667 | $4,629 | 2.48% |
| ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) | 3 | $3,035,000 | $1,011,667 | $3,789 | 2.88% |
| POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) | 1 | $3,005,000 | $3,005,000 | $10,569 | 2.25% |
| MISSOULA, MT (FHA|USDA|VA) | 1 | $3,005,000 | $3,005,000 | $3,933 | 2.80% |
| KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) | 1 | $3,005,000 | $3,005,000 | $8,899 | 2.80% |
| Breckenridge, CO (FHA|USDA|VA) | 3 | $2,965,000 | $988,333 | $4,841 | 3.75% |
| ROCHESTER, NY (FHA|USDA|VA) | 3 | $2,965,000 | $988,333 | $5,963 | 2.76% |
| ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) | 2 | $2,660,000 | $1,330,000 | $7,207 | 2.80% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 2 | $2,660,000 | $1,330,000 | $4,666 | 2.68% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 2 | $2,610,000 | $1,305,000 | $7,284 | 2.55% |
| Hudson, NY (FHA|USDA|VA) | 2 | $2,560,000 | $1,280,000 | $9,143 | 2.68% |
| Torrington, CT (FHA|USDA|VA) | 3 | $2,515,000 | $838,333 | $4,598 | 2.45% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 2 | $2,390,000 | $1,195,000 | $2,793 | 3.05% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 3 | $2,355,000 | $785,000 | $3,371 | 2.80% |
| NILES, MI (FHA|USDA|VA) | 2 | $2,280,000 | $1,140,000 | $3,625 | 2.68% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 4 | $2,270,000 | $567,500 | $2,525 | 5.16% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 3 | $2,265,000 | $755,000 | $2,879 | 2.90% |
| Morehead City, NC (FHA|USDA|VA) | 1 | $2,265,000 | $2,265,000 | $5,212 | 2.45% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 5 | $2,245,000 | $449,000 | $2,517 | 5.94% |
| Easton, MD (FHA|USDA|VA) | 1 | $2,215,000 | $2,215,000 | $5,656 | 3.00% |
| DULUTH, MN-WI (FHA|USDA|VA) | 1 | $2,175,000 | $2,175,000 | $8,118 | 2.75% |
| COLUMBUS, OH (FHA|USDA|VA) | 2 | $2,170,000 | $1,085,000 | $5,143 | 2.98% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 10 | $2,160,000 | $216,000 | $0 | 5.85% |
| BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) | 2 | $2,150,000 | $1,075,000 | $3,881 | 2.60% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 4 | $2,080,000 | $520,000 | $3,134 | 4.29% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 5 | $2,065,000 | $413,000 | $3,458 | 4.55% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 1 | $2,005,000 | $2,005,000 | $5,409 | 2.50% |
| MIDLAND, TX (FHA|USDA|VA) | 1 | $2,005,000 | $2,005,000 | $13,706 | 2.60% |
| Brownwood, TX (FHA|USDA|VA) | 1 | $2,005,000 | $2,005,000 | $12,332 | 2.75% |
| FORT COLLINS, CO (FHA|USDA|VA) | 2 | $1,960,000 | $980,000 | $2,594 | 2.90% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 2 | $1,950,000 | $975,000 | $4,092 | 2.55% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 12 | $1,950,000 | $162,500 | $0 | 8.01% |
| ASHEVILLE, NC (FHA|USDA|VA) | 2 | $1,900,000 | $950,000 | $3,260 | 2.70% |
| Lebanon, NH-VT (FHA|USDA|VA) | 1 | $1,875,000 | $1,875,000 | $7,024 | 2.50% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 2 | $1,800,000 | $900,000 | $4,722 | 2.53% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 2 | $1,680,000 | $840,000 | $6,391 | 2.80% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 1 | $1,545,000 | $1,545,000 | $3,899 | 2.90% |
| BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) | 2 | $1,510,000 | $755,000 | $5,070 | 2.75% |
| WILMINGTON, NC (FHA|USDA|VA) | 2 | $1,480,000 | $740,000 | $4,118 | 3.10% |
| Kalispell, MT (FHA|USDA|VA) | 1 | $1,455,000 | $1,455,000 | $2,911 | 2.85% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 2 | $1,400,000 | $700,000 | $3,882 | 2.65% |
| Durango, CO (FHA|USDA|VA) | 1 | $1,335,000 | $1,335,000 | $3,776 | 3.05% |
| SAVANNAH, GA (FHA|USDA|VA) | 1 | $1,315,000 | $1,315,000 | $5,628 | 3.15% |
| SPRINGFIELD, MA (FHA|USDA|VA) | 6 | $1,270,000 | $211,667 | $0 | 7.50% |
| Bennington, VT (FHA|USDA|VA) | 1 | $1,235,000 | $1,235,000 | $5,369 | 2.95% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 1 | $1,225,000 | $1,225,000 | $4,039 | 2.70% |
| FLAGSTAFF, AZ (FHA|USDA|VA) | 1 | $1,205,000 | $1,205,000 | $2,623 | 2.60% |
| SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) | 5 | $1,145,000 | $229,000 | $0 | 6.50% |
| Spirit Lake, IA (FHA|USDA|VA) | 1 | $1,105,000 | $1,105,000 | $3,306 | 2.85% |
| BELLINGHAM, WA (FHA|USDA|VA) | 1 | $1,105,000 | $1,105,000 | $4,801 | 2.65% |
| CHARLOTTESVILLE, VA (FHA|USDA|VA) | 1 | $1,085,000 | $1,085,000 | $5,508 | 2.70% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 6 | $1,070,000 | $178,333 | $0 | 5.77% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 3 | $1,055,000 | $351,667 | $3,318 | 5.23% |
| HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) | 2 | $1,030,000 | $515,000 | $3,164 | 4.07% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 1 | $1,025,000 | $1,025,000 | $5,116 | 2.80% |
| MONTGOMERY, AL (FHA|USDA|VA) | 1 | $1,005,000 | $1,005,000 | $2,551 | 2.35% |
| Prineville, OR (FHA|USDA|VA) | 1 | $975,000 | $975,000 | $5,116 | 2.50% |
| UTICA-ROME, NY (FHA|USDA|VA) | 1 | $925,000 | $925,000 | $6,422 | 2.63% |
| PITTSFIELD, MA (FHA|USDA|VA) | 2 | $920,000 | $460,000 | $4,714 | 5.13% |
| SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) | 1 | $865,000 | $865,000 | $2,299 | 2.35% |
| LANSING-EAST LANSING, MI (FHA|USDA|VA) | 1 | $845,000 | $845,000 | $2,276 | 2.75% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 1 | $825,000 | $825,000 | $2,446 | 2.55% |
| MUSKEGON, MI (FHA|USDA|VA) | 1 | $825,000 | $825,000 | $2,276 | 2.80% |
| Traverse City, MI (FHA|USDA|VA) | 1 | $785,000 | $785,000 | $2,274 | 2.80% |
| Tullahoma-Manchester, TN (FHA|USDA|VA) | 1 | $785,000 | $785,000 | $3,185 | 2.60% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 1 | $755,000 | $755,000 | $3,046 | 2.95% |
| Wisconsin Rapids-Marshfield, WI (FHA|USDA|VA) | 1 | $755,000 | $755,000 | $3,111 | 2.85% |
| Holland, MI (FHA|USDA|VA) | 1 | $715,000 | $715,000 | $2,814 | 3.20% |
| LaGrange, GA-AL (FHA|USDA|VA) | 1 | $705,000 | $705,000 | $3,831 | 2.70% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 1 | $685,000 | $685,000 | $2,506 | 2.80% |
| Oak Harbor, WA (FHA|USDA|VA) | 1 | $665,000 | $665,000 | $3,477 | 3.35% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 1 | $665,000 | $665,000 | $0 | 6.00% |
| Keene, NH (FHA|USDA|VA) | 1 | $615,000 | $615,000 | $2,693 | 2.90% |
| NEW HAVEN-MILFORD, CT (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $0 | 7.35% |
| BURLINGTON, NC (FHA|USDA|VA) | 3 | $345,000 | $115,000 | $0 | 7.50% |
| YUMA, AZ (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $0 | 6.50% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $0 | 5.79% |
| SPARTANBURG, SC (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $0 | 5.76% |
| SALEM, OR (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $0 | 7.50% |
| CHICO, CA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $0 | 5.75% |
| BOISE CITY, ID (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $0 | 6.00% |
| ALBANY-LEBANON, OR (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $0 | 6.50% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $0 | 6.50% |
| Sanford, NC (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 5.79% |
| Nogales, AZ (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 6.50% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 5.79% |
| COLUMBIA, SC (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 6.50% |
Goldman Sachs Bank Usa's top markets include Los Angeles, New York, San Francisco, Miami, and Seattle among others.
Product Mix
| Loan Type | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Conventional | 3,120 | $5,048,840,000 | $1,618,218 | $8,144 | 4.83% |
For the 2021 period, Goldman Sachs Bank Usa's most frequently originated loan type of loans were Conventional, with 3,120 originations.
Loan Reason
| Loan Reason | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Home Purchase | 1,552 | $1,746,970,000 | $1,125,625 | $10,873 | 5.76% |
| Refi | 655 | $1,502,175,000 | $2,293,397 | $6,054 | 3.96% |
| Other | 400 | $1,070,300,000 | $2,675,750 | $9,003 | 2.67% |
| Cash Out Refi | 290 | $641,730,000 | $2,212,862 | $6,464 | 3.37% |
| Home Improvement | 223 | $87,665,000 | $393,117 | $0 | 6.61% |
For the 2021, Goldman Sachs Bank Usa's most frequently cited loan purpose of loans were Home Purchase, with 1,552 originations. The 2nd most popular reason of loans were Refi, with 655 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 30 Year | 1,476 | $3,409,060,000 | $2,309,661 | $8,140 | 2.70% |
| 1 Year | 901 | $820,685,000 | $910,860 | $0 | 6.97% |
| Other | 729 | $719,535,000 | $987,016 | $19,404 | 6.46% |
| 3 Year | 8 | $5,780,000 | $722,500 | $0 | 6.00% |
| 10 Year | 5 | $93,015,000 | $18,603,000 | $0 | 3.82% |
| 15 Year | 1 | $765,000 | $765,000 | $2,746 | 3.65% |
For the 2021, Goldman Sachs Bank Usa's most frequently cited loan length of loans were 30 Year, with 1,476 originations. The 2nd most popular length of loans were 1 Year, with 901 originations.
Origination Fees
| Origination Fee | Originations | Total Value | Average Loan |
|---|---|---|---|
| $<1k | 1,449 | $3,361,495,000 | $2,319,872 |
| $5k+ | 7 | $24,695,000 | $3,527,857 |
$8,140 of loans were Goldman Sachs Bank Usa's average total fees, while their most frequently occuring range of origination fees were in the $<1k bucket, with 1,449 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 2.5-3% | 1,023 | $2,247,445,000 | $2,196,916 |
| 6-7% | 743 | $660,635,000 | $889,145 |
| 7-8% | 458 | $645,200,000 | $1,408,734 |
| 5-6% | 416 | $161,200,000 | $387,500 |
| <2.5% | 358 | $996,160,000 | $2,782,570 |
| 3-4% | 98 | $262,200,000 | $2,675,510 |
| Over 8% | 20 | $36,130,000 | $1,806,500 |
| 4-5% | 4 | $39,870,000 | $9,967,500 |
During 2021, Goldman Sachs Bank Usa's average interest rate of loans were 2.70%, while their most frequently originated rate bucket of loans were 2.5-3%, with 1,023 originations.
Loan Sizing
| Loan Size | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| $1MM+ | 1,625 | $4,379,445,000 | $2,695,043 | $9,385 | 4.09% |
| $600k-1MM | 524 | $419,460,000 | $800,496 | $4,294 | 4.29% |
| $200k-400k | 446 | $120,480,000 | $270,135 | $5,193 | 6.26% |
| $100k-200k | 369 | $60,015,000 | $162,642 | $0 | 6.42% |
| $400k-600k | 138 | $67,930,000 | $492,246 | $4,020 | 6.30% |
| $100,000 or less | 18 | $1,510,000 | $83,889 | $0 | 6.91% |
2021 saw Goldman Sachs Bank Usa place emphasis on $1MM+ loans with 1,625 originations, totaling $4,379,445,000 in origination value.
Applicant Income
| Applicant Income | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| $250k+ | 772 | $1,967,760,000 | $2,548,912 | $8,963 | 2.68% |
| $150k-250k | 150 | $215,330,000 | $1,435,533 | $5,693 | 2.70% |
| $100k-150k | 103 | $165,145,000 | $1,603,350 | $5,609 | 2.77% |
| $50k or less | 65 | $106,585,000 | $1,639,769 | $6,504 | 2.74% |
| $75k-100k | 51 | $68,575,000 | $1,344,608 | $5,133 | 2.74% |
| $50k-75k | 41 | $60,265,000 | $1,469,878 | $5,699 | 2.73% |
Goldman Sachs Bank Usa lent most frequently to those with incomes in the $250k+ range, with 772 originations. The second most popular income band? $150k-250k, with 150 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| >60% | 644 | $1,520,950,000 | $2,361,724 | $8,420 | 2.70% |
| <20% | 158 | $338,770,000 | $2,144,114 | $7,210 | 2.68% |
| 20-30% | 148 | $281,840,000 | $1,904,324 | $7,231 | 2.73% |
| 30-36% | 104 | $201,930,000 | $1,941,635 | $6,661 | 2.67% |
| 50-60% | 101 | $202,925,000 | $2,009,158 | $7,559 | 2.75% |
| 38% | 19 | $29,025,000 | $1,527,632 | $5,053 | 2.75% |
| 43% | 18 | $27,900,000 | $1,550,000 | $7,475 | 2.61% |
| 36% | 18 | $38,480,000 | $2,137,778 | $8,905 | 2.65% |
| 40% | 18 | $34,900,000 | $1,938,889 | $7,379 | 2.75% |
| 44% | 17 | $26,795,000 | $1,576,176 | $5,695 | 2.72% |
| 41% | 16 | $27,900,000 | $1,743,750 | $7,122 | 2.73% |
| 47% | 15 | $17,885,000 | $1,192,333 | $6,630 | 2.73% |
| 39% | 13 | $18,475,000 | $1,421,154 | $7,179 | 2.84% |
| 37% | 13 | $30,345,000 | $2,334,231 | $6,891 | 2.66% |
| 48% | 12 | $28,640,000 | $2,386,667 | $8,150 | 2.71% |
| 42% | 11 | $30,765,000 | $2,796,818 | $12,293 | 2.81% |
| 49% | 8 | $15,300,000 | $1,912,500 | $5,476 | 2.74% |
| 46% | 5 | $18,225,000 | $3,645,000 | $8,915 | 2.71% |
| 45% | 5 | $7,685,000 | $1,537,000 | $7,211 | 2.81% |
Goldman Sachs Bank Usa lent most frequently to those with DTI ratios of >60%, with 644 originations. The next most common DTI ratio? <20%, with 158 originations.
Ethnicity Mix
| Applicant Ethnicity | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Not applicable | 1,716 | $1,950,790,000 | $1,136,824 | $12,704 | 6.56% |
| Not provided | 642 | $1,531,070,000 | $2,384,844 | $8,730 | 2.69% |
| White | 707 | $1,455,375,000 | $2,058,522 | $7,291 | 2.71% |
| Asian | 43 | $94,255,000 | $2,191,977 | $6,893 | 2.64% |
| Black | 10 | $14,360,000 | $1,436,000 | $5,118 | 2.93% |
| Native Hawaiian | 2 | $2,990,000 | $1,495,000 | $5,537 | 2.70% |
Approval Rates
Total approvals of all applications95.06%
Goldman Sachs Bank Usa has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination86.63%
Goldman Sachs Bank Usa has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 3,120 | $5,048,840,000 | $1,618,218 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| 3,120 | $5,048,840,000 | $1,618,218 |
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 20-40% | 160 | $228,940,000 | $1,430,875 | $5,763 | 2.75% |
| 40-60% | 382 | $986,780,000 | $2,583,194 | $8,214 | 2.83% |
| 60-80% | 1,177 | $2,410,065,000 | $2,047,634 | $9,072 | 3.98% |
| 80-100% | 1,006 | $756,980,000 | $752,465 | $5,928 | 6.17% |
| Over 100% | 356 | $618,080,000 | $1,736,180 | $0 | 7.11% |
| Under 20% | 39 | $47,995,000 | $1,230,641 | $5,686 | 2.86% |
Complaints
| Bank Name | Product | Issue | 2021 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| GOLDMAN SACHS BANK USA | Other type of mortgage | Trouble during payment process | 1 | 33.3% |
| GOLDMAN SACHS BANK USA | Conventional home mortgage | Trouble during payment process | 2 | 66.7% |
Bank Details
Branches
| Bank Name | Branch | Branch Type | Deposits (000's) |
|---|---|---|---|
| Goldman Sachs Bank Usa | 200 West Street New York, NY 10282 | Full Service B&M | $208,876,000 |
| Goldman Sachs Bank Usa | 111 S Main St Salt Lake City, UT 84111 | Full Service B&M | $73,305,000 |
| Goldman Sachs Bank Usa | 11850 South Election Road Draper, UT 84020 | Full Service B&M | $0 |
| Goldman Sachs Bank Usa | 125 High Street Boston, MA 2110 | Limited, Trust Office | $0 |
| Goldman Sachs Bank Usa | 30 Hudson Street Jersey City, NJ 7302 | Limited, Trust Office | $0 |
For 2021, Goldman Sachs Bank Usa had 5 branches.
Yearly Performance Overview
Bank Income
| Item | Value (in 000's) |
|---|---|
| Total interest income | $5,302,000 |
| Net interest income | $3,877,000 |
| Total noninterest income | $5,516,000 |
| Gross Fiduciary activities income | $12,000 |
| Service charges on deposit accounts | $0 |
| Trading account gains and fees | $1,708,000 |
| Additional Noninterest Income | $3,796,000 |
| Pre-tax net operating income | $4,373,000 |
| Securities gains (or losses, -) | $85,000 |
| Income before extraordinary items | $3,352,000 |
| Discontinued Operations (Extraordinary gains, net) | $0 |
| Net income of bank and minority interests | $3,352,000 |
| Minority interest net income | $0 |
| Net income | $3,352,000 |
| Sale, conversion, retirement of capital stock, net | $0 |
| Net operating income | $3,284,850 |
Goldman Sachs Bank Usa's gross interest income from loans was $5,302,000,000.
Goldman Sachs Bank Usa's net interest income from loans was $3,877,000,000.
Goldman Sachs Bank Usa's fee based income from loans was $0.
Goldman Sachs Bank Usa's net income from loans was $3,352,000,000.
Bank Expenses
| Item | Value (in 000's) |
|---|---|
| Total interest expense | $1,425,000 |
| Provision for credit losses | $457,000 |
| Total noninterest expense | $4,563,000 |
| Salaries and employee benefits | $1,526,000 |
| Premises and equipment expense | $99,000 |
| Additional noninterest expense | $2,938,000 |
| Applicable income taxes | $1,106,000 |
| Net charge-offs | $279,000 |
| Cash dividends | $16,903,000 |
Goldman Sachs Bank Usa's interest expense for loans was $1,425,000,000.
Goldman Sachs Bank Usa's payroll and benefits expense were $1,526,000,000.
Goldman Sachs Bank Usa's property, plant and equipment expenses $99,000,000.
Loan Performance
| Type of Loan | % of Loans Noncurrent (30+ days, end of period snapshot) |
|---|---|
| All loans | 0.0% |
| Real Estate loans | 1.0% |
| Construction & Land Development loans | 7.0% |
| Nonfarm, nonresidential loans | 1.0% |
| Multifamily residential loans | 0.0% |
| 1-4 family residential loans | 0.0% |
| HELOC loans | 4.0% |
| All other family | 0.0% |
| Commercial & industrial loans | 2.0% |
| Personal loans | 0.0% |
| Credit card loans | 0.9% |
| Other individual loans | 0.0% |
| Auto loans | 0.0% |
| Other consumer loans | 0.0% |
| Unsecured commercial real estate loans | 4.0% |
Deposits
| Type | Value (in 000's) |
|---|---|
| Total deposits | $321,869,000 |
| Deposits held in domestic offices | $317,867,000 |
| Deposits by Individuals, partnerships, and corporations | $317,142,000 |
| Deposits by U.S. Government | $0 |
| Deposits by States and political subdivisions in the U.S. | $415,000 |
| Deposits by Commercial banks and other depository institutions in U.S. | $210,000 |
| Deposits by Banks in foreign countries | $0 |
| Deposits by Foreign governments and official institutions | $100,000 |
| Transaction accounts | $147,182,000 |
| Demand deposits | $78,587,000 |
| Nontransaction accounts | $170,685,000 |
| Money market deposit accounts (MMDAs) | $96,836,000 |
| Other savings deposits (excluding MMDAs) | $16,000 |
| Total time deposits | $73,833,000 |
| Total time and savings deposits | $239,280,000 |
| Noninterest-bearing deposits | $16,000 |
| Interest-bearing deposits | $317,851,000 |
| Retail deposits | $226,172,000 |
| IRAs and Keogh plan accounts | $13,779,000 |
| Brokered deposits | $68,832,000 |
| Deposits held in foreign offices | $4,002,000 |
Assets
| Asset | Value (in 000's) |
|---|---|
| Total Assets | $434,075,000 |
| Cash & Balances due from depository institutions | $147,680,000 |
| Interest-bearing balances | $146,084,000 |
| Total securities | $25,001,000 |
| Federal funds sold & reverse repurchase | $45,165,000 |
| Net loans and leases | $138,259,000 |
| Loan and leases loss allowance | $2,481,000 |
| Trading account assets | $46,116,000 |
| Bank premises and fixed assets | $346,000 |
| Other real estate owned | $0 |
| Goodwill and other intangibles | $54,000 |
| All other assets | $31,454,000 |
Liabilities
| Liabilities | Value (in 000's) |
|---|---|
| Total liabilities and capital | $434,075,000 |
| Total Liabilities | $392,162,000 |
| Total deposits | $321,869,000 |
| Interest-bearing deposits | $321,853,000 |
| Deposits held in domestic offices | $317,867,000 |
| % insured (estimated) | $49 |
| Federal funds purchased and repurchase agreements | $14,300,000 |
| Trading liabilities | $23,767,000 |
| Other borrowed funds | $3,575,000 |
| Subordinated debt | $4,273,000 |
| All other liabilities | $24,378,000 |
Issued Loan Types
| Type | Value (in 000's) |
|---|---|
| Net loans and leases | $138,259,000 |
| Loan and leases loss allowance | $2,481,000 |
| Total loans and leases (domestic) | $140,740,000 |
| All real estate loans | $29,475,000 |
| Real estate loans in domestic offices | $29,259,000 |
| Construction and development loans | $3,208,000 |
| Residential 1-4 family construction | $69,000 |
| Other construction, all land development and other land | $3,139,000 |
| Loans secured by nonfarm nonresidential properties | $7,555,000 |
| Nonfarm nonresidential secured by owner-occupied properties | $294,000 |
| Commercial real estate & other non-farm, non-residential | $7,261,000 |
| Multifamily residential real estate | $1,516,000 |
| 1-4 family residential loans | $16,942,000 |
| Farmland loans | $38,000 |
| Loans held in foreign offices | $216,000 |
| Farm loans | $0 |
| Commercial and industrial loans | $25,060,000 |
| To non-U.S. addressees | $8,761,000 |
| Loans to individuals | $20,871,000 |
| Credit card loans | $8,212,000 |
| Related Plans | $0 |
| Consumer Auto Loans | $41,000 |
| Other loans to individuals | $12,618,000 |
| All other loans & leases | $65,334,000 |
| Loans to foreign governments and official institutions | $699,000 |
| Other loans | $64,409,000 |
| Loans to depository institutions and acceptances of other banks | $154,000 |
| Loans not secured by real estate | $2,874,000 |
| Loans secured by real estate to non-U.S. addressees | $430,000 |
| Restructured Loans & leases | $22,000 |
| Non 1-4 family restructured loans & leases | $22,000 |
| Total loans and leases (foreign) | $3,547,000 |
Goldman Sachs Bank USA had $138,259,000,000 of loans outstanding in 2021. $29,475,000,000 of loans were in real estate loans. $3,208,000,000 of loans were in development loans. $1,516,000,000 of loans were in multifamily mortgage loans. $16,942,000,000 of loans were in 1-4 family mortgage loans. $0 of loans were in farm loans. $8,212,000,000 of loans were in credit card loans. $41,000,000 of loans were in the auto loan category.
Small Business Loans
| Categorization | # of Loans in Category | $ amount of loans (in 000's) | Average $/loan |
|---|---|---|---|
| Commercial & Industrial, US addressed loans - <$1MM | 752 | $35,000 | $46,543 |
| Commercial & Industrial, US addressed loans - <$100k | 703 | $20,000 | $28,450 |
| Commercial & Industrial, US addressed loans - $100-250k | 33 | $6,000 | $181,818 |
| Commercial & Industrial, US addressed loans - $250k-1MM | 16 | $9,000 | $562,500 |
| Agriculture operations loans - <$1MM | 1 | $0 | $0 |
| Agriculture operations loans - $100-250k | 1 | $0 | $0 |
