Goldman Sachs Bank Usa Mortgage Rates, Fees & Info
New York, NYLEI: KD3XUN7C6T14HNAYLU02
Tax ID: 13-3571598
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Mortgage Data
Review & Overview
Goldman Sachs Bank Usa is a mid-sized bank specializing in Other, Home Purchase, and Refi loans. Goldman Sachs Bank Usa has a high proportion of conventional loans. Their top markets by origination volume include: Nashville, New York, Los Angeles, Miami, and San Francisco among others. We have data for 159 markets. (Some data included below & more in-depth data is available with an active subscription.)Goldman Sachs Bank Usa has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Goldman Sachs Bank Usa is typically a high fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 5.83% | 6/4/23 |
| 30 Year Conventional Refi | 5.84% | 6/4/23 |
| 30 Year Cash-out Refi | 5.86% | 6/4/23 |
| 15 Year Conventional Refi | 5.68% | 6/4/23 |
| 15 Year Cash-out Refi | 5.68% | 6/4/23 |
| These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. | ||
Goldman Sachs Bank Usa Mortgage Calculator
Your Estimates
Estimated Loan Payment: Update the calculator values and click calculate payment!
This is not an official calculator from Goldman Sachs Bank Usa. It uses our SimulatedRate™
technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.
The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
1,131Origination Dollar Volume (All Markets)
$3,210,275,000Awards
Goldman Sachs Bank USA - 2022
Goldman Sachs Bank USA is a 2022 , due to their low .
For 2022, less than of lenders were eligible for this award.
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Relative Rate
Goldman Sachs Bank Usa's average 30 year fixed mortgage rate was
3.51%.
The 2022 average 30 year fixed rate mortgage across all markets and lenders was 4.76%.
This yields a difference of -1.25%.
Relative Fees (Closing Costs)
Goldman Sachs Bank Usa's average total fees/closing costs for a 30 year fixed rate
mortgage were $8,484.
The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including
both points & up-front fees in addition to origination fees) were $4,750.
Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 11 | $641,705,000 | $58,336,818 | $6,290 | 3.95% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 134 | $357,430,000 | $2,667,388 | $10,541 | 3.44% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 89 | $328,115,000 | $3,686,685 | $11,174 | 3.45% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 76 | $221,410,000 | $2,913,289 | $13,673 | 3.39% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 52 | $139,530,000 | $2,683,269 | $6,453 | 3.19% |
| Outside of Metro Areas | 31 | $91,375,000 | $2,947,581 | $10,288 | 3.17% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 37 | $86,435,000 | $2,336,081 | $5,830 | 3.38% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 53 | $80,005,000 | $1,509,528 | $5,105 | 3.68% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 44 | $72,230,000 | $1,641,591 | $6,397 | 3.56% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 29 | $60,115,000 | $2,072,931 | $10,708 | 3.19% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 21 | $57,815,000 | $2,753,095 | $6,765 | 3.05% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 25 | $56,455,000 | $2,258,200 | $10,517 | 3.74% |
| Glenwood Springs, CO (FHA|USDA|VA) | 8 | $54,580,000 | $6,822,500 | $15,477 | 3.58% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 31 | $45,005,000 | $1,451,774 | $9,314 | 3.65% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 22 | $41,310,000 | $1,877,727 | $5,273 | 4.00% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 22 | $39,320,000 | $1,787,273 | $7,242 | 3.52% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 15 | $39,255,000 | $2,617,000 | $6,728 | 3.38% |
| Heber, UT (FHA|USDA|VA) | 13 | $32,255,000 | $2,481,154 | $7,497 | 3.20% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 14 | $28,690,000 | $2,049,286 | $14,865 | 4.00% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 9 | $26,195,000 | $2,910,556 | $6,537 | 3.62% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 5 | $25,655,000 | $5,131,000 | $11,607 | 3.34% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 16 | $22,530,000 | $1,408,125 | $6,924 | 3.32% |
| BARNSTABLE TOWN, MA (FHA|USDA|VA) | 7 | $22,045,000 | $3,149,286 | $10,808 | 3.19% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 10 | $21,190,000 | $2,119,000 | $6,967 | 3.32% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 11 | $19,625,000 | $1,784,091 | $5,019 | 3.88% |
| Edwards, CO (FHA|USDA|VA) | 5 | $19,035,000 | $3,807,000 | $9,078 | 3.36% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 11 | $18,035,000 | $1,639,545 | $10,950 | 3.65% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 6 | $17,500,000 | $2,916,667 | $12,202 | 4.33% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 9 | $16,795,000 | $1,866,111 | $5,139 | 3.54% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 12 | $16,320,000 | $1,360,000 | $8,565 | 3.40% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 8 | $16,190,000 | $2,023,750 | $10,184 | 3.86% |
| Jackson, WY-ID (FHA|USDA|VA) | 5 | $15,125,000 | $3,025,000 | $11,644 | 3.79% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 8 | $14,600,000 | $1,825,000 | $8,556 | 3.28% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 6 | $13,960,000 | $2,326,667 | $7,264 | 3.44% |
| RENO, NV (FHA|USDA|VA) | 5 | $13,025,000 | $2,605,000 | $9,481 | 2.93% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 6 | $12,260,000 | $2,043,333 | $5,294 | 3.64% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 5 | $12,235,000 | $2,447,000 | $11,756 | 3.31% |
| NAPA, CA (FHA|USDA|VA) | 2 | $12,110,000 | $6,055,000 | $12,466 | 2.85% |
| OCEAN CITY, NJ (FHA|USDA|VA) | 5 | $11,945,000 | $2,389,000 | $8,715 | 3.40% |
| BOULDER, CO (FHA|USDA|VA) | 5 | $11,125,000 | $2,225,000 | $5,124 | 4.18% |
| Bozeman, MT (FHA|USDA|VA) | 3 | $11,015,000 | $3,671,667 | $15,274 | 3.47% |
| Vineyard Haven, MA (FHA|USDA|VA) | 5 | $10,365,000 | $2,073,000 | $6,285 | 3.85% |
| Outside of Metro Areas | 2 | $10,330,000 | $5,165,000 | $25,608 | 3.38% |
| KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) | 3 | $9,905,000 | $3,301,667 | $15,827 | 2.68% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 6 | $9,730,000 | $1,621,667 | $8,427 | 3.58% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 6 | $9,570,000 | $1,595,000 | $10,225 | 3.85% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 5 | $9,175,000 | $1,835,000 | $6,577 | 3.50% |
| PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) | 6 | $8,620,000 | $1,436,667 | $4,691 | 3.78% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 7 | $8,465,000 | $1,209,286 | $4,390 | 3.34% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 5 | $8,025,000 | $1,605,000 | $3,206 | 3.18% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 3 | $7,695,000 | $2,565,000 | $4,763 | 2.85% |
| Hilo, HI (FHA|USDA|VA) | 3 | $7,685,000 | $2,561,667 | $11,631 | 3.92% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 7 | $7,535,000 | $1,076,429 | $6,347 | 3.58% |
| Kapaa, HI (FHA|USDA|VA) | 2 | $7,530,000 | $3,765,000 | $13,484 | 3.25% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 2 | $7,470,000 | $3,735,000 | $7,318 | 4.87% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 4 | $6,980,000 | $1,745,000 | $3,506 | 3.25% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 6 | $6,810,000 | $1,135,000 | $3,814 | 3.63% |
| CHARLOTTESVILLE, VA (FHA|USDA|VA) | 2 | $6,740,000 | $3,370,000 | $10,419 | 3.80% |
| URBAN HONOLULU, HI (FHA|USDA|VA) | 3 | $6,565,000 | $2,188,333 | $8,252 | 3.03% |
| Kalispell, MT (FHA|USDA|VA) | 4 | $5,930,000 | $1,482,500 | $7,284 | 3.29% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 7 | $5,795,000 | $827,857 | $3,156 | 3.66% |
| Key West, FL (FHA|USDA|VA) | 3 | $5,645,000 | $1,881,667 | $10,244 | 3.25% |
| WILMINGTON, NC (FHA|USDA|VA) | 3 | $5,545,000 | $1,848,333 | $6,799 | 3.87% |
| POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) | 2 | $5,490,000 | $2,745,000 | $11,786 | 4.78% |
| Easton, MD (FHA|USDA|VA) | 3 | $5,465,000 | $1,821,667 | $5,748 | 3.62% |
| Oak Harbor, WA (FHA|USDA|VA) | 2 | $5,460,000 | $2,730,000 | $9,577 | 2.70% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 4 | $5,350,000 | $1,337,500 | $6,010 | 4.04% |
| Lebanon, NH-VT (FHA|USDA|VA) | 2 | $4,800,000 | $2,400,000 | $7,047 | 3.60% |
| BATON ROUGE, LA (FHA|USDA|VA) | 2 | $4,770,000 | $2,385,000 | $9,959 | 3.50% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 3 | $4,725,000 | $1,575,000 | $5,618 | 3.50% |
| Torrington, CT (FHA|USDA|VA) | 3 | $4,675,000 | $1,558,333 | $6,648 | 3.35% |
| MISSOULA, MT (FHA|USDA|VA) | 1 | $4,665,000 | $4,665,000 | $28,369 | 3.50% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 3 | $4,545,000 | $1,515,000 | $7,673 | 3.97% |
| Breckenridge, CO (FHA|USDA|VA) | 2 | $4,410,000 | $2,205,000 | $7,117 | 2.63% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 3 | $4,285,000 | $1,428,333 | $3,396 | 3.25% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 2 | $4,280,000 | $2,140,000 | $12,215 | 3.08% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 3 | $4,125,000 | $1,375,000 | $8,177 | 3.67% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 3 | $4,125,000 | $1,375,000 | $11,517 | 4.03% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 3 | $4,005,000 | $1,335,000 | $5,851 | 3.52% |
| RICHMOND, VA (FHA|USDA|VA) | 3 | $3,965,000 | $1,321,667 | $4,868 | 4.18% |
| ASHEVILLE, NC (FHA|USDA|VA) | 3 | $3,825,000 | $1,275,000 | $4,086 | 4.05% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 2 | $3,690,000 | $1,845,000 | $3,704 | 4.58% |
| SALINAS, CA (FHA|USDA|VA) | 2 | $3,460,000 | $1,730,000 | $3,101 | 4.05% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 3 | $3,435,000 | $1,145,000 | $3,334 | 3.33% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 3 | $3,165,000 | $1,055,000 | $2,830 | 3.23% |
| ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) | 1 | $3,005,000 | $3,005,000 | $12,159 | 3.55% |
| NEW HAVEN-MILFORD, CT (FHA|USDA|VA) | 1 | $3,005,000 | $3,005,000 | $12,526 | 3.25% |
| Ellensburg, WA (FHA|USDA|VA) | 1 | $2,835,000 | $2,835,000 | $7,151 | 3.65% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 2 | $2,790,000 | $1,395,000 | $5,409 | 3.18% |
| ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) | 2 | $2,780,000 | $1,390,000 | $8,656 | 4.45% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 2 | $2,720,000 | $1,360,000 | $8,326 | 4.08% |
| Gardnerville Ranchos, NV (FHA|USDA|VA) | 2 | $2,700,000 | $1,350,000 | $6,016 | 3.63% |
| BEND, OR (FHA|USDA|VA) | 2 | $2,590,000 | $1,295,000 | $5,085 | 3.33% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 3 | $2,565,000 | $855,000 | $2,355 | 3.82% |
| ROCHESTER, NY (FHA|USDA|VA) | 2 | $2,530,000 | $1,265,000 | $5,419 | 3.36% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 2 | $2,410,000 | $1,205,000 | $3,322 | 3.73% |
| BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) | 3 | $2,215,000 | $738,333 | $3,111 | 4.02% |
| SANTA FE, NM (FHA|USDA|VA) | 2 | $2,060,000 | $1,030,000 | $7,758 | 3.13% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 1 | $2,035,000 | $2,035,000 | $7,581 | 5.25% |
| Pinehurst-Southern Pines, NC (FHA|USDA|VA) | 2 | $1,960,000 | $980,000 | $4,039 | 3.55% |
| Seneca, SC (FHA|USDA|VA) | 2 | $1,930,000 | $965,000 | $4,216 | 3.65% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 2 | $1,910,000 | $955,000 | $5,828 | 3.78% |
| Bennington, VT (FHA|USDA|VA) | 1 | $1,875,000 | $1,875,000 | $5,499 | 2.45% |
| Sandpoint, ID (FHA|USDA|VA) | 1 | $1,655,000 | $1,655,000 | $10,396 | 5.65% |
| Traverse City, MI (FHA|USDA|VA) | 2 | $1,570,000 | $785,000 | $3,672 | 3.55% |
| Coos Bay, OR (FHA|USDA|VA) | 1 | $1,505,000 | $1,505,000 | $5,939 | 4.95% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 2 | $1,490,000 | $745,000 | $3,862 | 3.65% |
| AKRON, OH (FHA|USDA|VA) | 1 | $1,445,000 | $1,445,000 | $6,140 | 3.30% |
| PITTSBURGH, PA (FHA|USDA|VA) | 2 | $1,410,000 | $705,000 | $6,031 | 4.08% |
| ANN ARBOR, MI (FHA|USDA|VA) | 2 | $1,400,000 | $700,000 | $3,333 | 4.18% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 1 | $1,395,000 | $1,395,000 | $6,990 | 3.05% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 1 | $1,395,000 | $1,395,000 | $2,624 | 2.70% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 2 | $1,360,000 | $680,000 | $3,230 | 4.00% |
| FARGO, ND-MN (FHA|USDA|VA) | 1 | $1,355,000 | $1,355,000 | $6,394 | 3.75% |
| Corsicana, TX (FHA|USDA|VA) | 1 | $1,335,000 | $1,335,000 | $9,536 | 4.90% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 1 | $1,265,000 | $1,265,000 | $6,798 | 5.50% |
| COLUMBUS, OH (FHA|USDA|VA) | 1 | $1,265,000 | $1,265,000 | $2,926 | 4.25% |
| Port Angeles, WA (FHA|USDA|VA) | 1 | $1,255,000 | $1,255,000 | $4,786 | 4.55% |
| Hailey, ID (FHA|USDA|VA) | 1 | $1,255,000 | $1,255,000 | $7,246 | 3.00% |
| Durango, CO (FHA|USDA|VA) | 1 | $1,205,000 | $1,205,000 | $5,046 | 4.60% |
| BRUNSWICK, GA (FHA|USDA|VA) | 1 | $1,205,000 | $1,205,000 | $4,833 | 2.90% |
| SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) | 1 | $1,205,000 | $1,205,000 | $4,303 | 3.05% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 1 | $1,115,000 | $1,115,000 | $4,453 | 2.60% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 1 | $1,085,000 | $1,085,000 | $3,292 | 2.40% |
| CASPER, WY (FHA|USDA|VA) | 1 | $1,045,000 | $1,045,000 | $3,919 | 4.30% |
| MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) | 1 | $1,045,000 | $1,045,000 | $5,429 | 3.75% |
| Steamboat Springs, CO (FHA|USDA|VA) | 1 | $1,005,000 | $1,005,000 | $4,474 | 4.15% |
| KNOXVILLE, TN (FHA|USDA|VA) | 1 | $1,005,000 | $1,005,000 | $3,421 | 3.00% |
| SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) | 1 | $1,005,000 | $1,005,000 | $7,714 | 5.30% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 1 | $995,000 | $995,000 | $4,940 | 2.30% |
| NORWICH-NEW LONDON, CT (FHA|USDA|VA) | 1 | $985,000 | $985,000 | $5,574 | 5.10% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 1 | $985,000 | $985,000 | $4,232 | 4.10% |
| TULSA, OK (FHA|USDA|VA) | 1 | $905,000 | $905,000 | $5,197 | 4.45% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 1 | $885,000 | $885,000 | $4,823 | 4.35% |
| SAGINAW, MI (FHA|USDA|VA) | 1 | $885,000 | $885,000 | $3,059 | 3.75% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 1 | $875,000 | $875,000 | $7,477 | 3.10% |
| MEDFORD, OR (FHA|USDA|VA) | 1 | $875,000 | $875,000 | $4,647 | 4.25% |
| ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) | 1 | $875,000 | $875,000 | $4,067 | 4.40% |
| MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) | 1 | $865,000 | $865,000 | $8,415 | 4.55% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 1 | $855,000 | $855,000 | $3,898 | 3.25% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 1 | $815,000 | $815,000 | $3,011 | 3.95% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 1 | $795,000 | $795,000 | $4,295 | 3.35% |
| Whitewater, WI (FHA|USDA|VA) | 1 | $785,000 | $785,000 | $3,934 | 4.00% |
| Alexander City, AL (FHA|USDA|VA) | 1 | $765,000 | $765,000 | $5,157 | 3.75% |
| Shelton, WA (FHA|USDA|VA) | 1 | $765,000 | $765,000 | $4,181 | 3.80% |
| HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) | 1 | $755,000 | $755,000 | $3,277 | 3.45% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 1 | $755,000 | $755,000 | $3,392 | 2.80% |
| Holland, MI (FHA|USDA|VA) | 1 | $755,000 | $755,000 | $3,609 | 3.05% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 1 | $745,000 | $745,000 | $4,864 | 3.35% |
| Plymouth, IN (FHA|USDA|VA) | 1 | $725,000 | $725,000 | $2,088 | 4.35% |
| TYLER, TX (FHA|USDA|VA) | 1 | $655,000 | $655,000 | $5,453 | 4.40% |
| Montrose, CO (FHA|USDA|VA) | 1 | $585,000 | $585,000 | $4,807 | 2.40% |
| ITHACA, NY (FHA|USDA|VA) | 1 | $575,000 | $575,000 | $5,218 | 3.00% |
| JANESVILLE-BELOIT, WI (FHA|USDA|VA) | 1 | $575,000 | $575,000 | $3,338 | 4.80% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 1 | $565,000 | $565,000 | $4,282 | 3.20% |
| TUSCALOOSA, AL (FHA|USDA|VA) | 1 | $555,000 | $555,000 | $3,816 | 4.65% |
| Taos, NM (FHA|USDA|VA) | 1 | $545,000 | $545,000 | $5,310 | 4.00% |
| VALLEJO, CA (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $2,058 | 6.58% |
| Barre, VT (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $2,918 | 4.50% |
Similar Lenders
We use machine learning to identify the top lenders compared against Goldman Sachs Bank USA based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 1,131 | $3,210,275,000 | $2,838,439 | $8,487 | 3.51% |
For 2022, Goldman Sachs Bank Usa's most frequently originated type of loan was Conventional, with 1,131 originations.
Loan Reason
For 2022, Goldman Sachs Bank Usa's most frequently cited loan purpose was Other, with 440 originations. The 2nd most popular reason was Home Purchase, with 355 originations.
Loan Duration/Length
For 2022, Goldman Sachs Bank Usa's most frequently cited loan duration was 30 Year, with 1,127 originations. The 2nd most popular length was Other, with 2 originations.
Origination Fees/Closing Costs
| Origination Fee/Closing Cost | Originations | Total Value | Average Loan |
|---|---|---|---|
| $<1k | 1,081 | $2,464,105,000 | $2,279,468 |
| $5k+ | 5 | $23,495,000 | $4,699,000 |
| $4k-5k | 1 | $505,000 | $505,000 |
Goldman Sachs Bank Usa's average total fees were $8,484, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 1,081 originations.
Interest Rates
During 2022, Goldman Sachs Bank Usa's average interest rate for loans was 3.51%, while their most frequently originated rate bucket for loans was 3-4%, with 388 originations.
Loan Sizing
2022 saw Goldman Sachs Bank Usa place emphasis on $1MM+ loans with 860 originations, totaling $3,004,990,000 in origination value.
Applicant Income
Goldman Sachs Bank Usa lent most frequently to those with incomes in the $250k+ range, with 633 originations. The second most popular income band? $150k-250k, with 98 originations.
Applicant Debt to Income Ratio
Goldman Sachs Bank Usa lent most frequently to those with DTI ratios of >60%, with 505 originations. The next most common DTI ratio? 20-30%, with 114 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications89.83%
Goldman Sachs Bank Usa has an average approval rate.
Pick Rate
Approvals leading to origination81.34%
Goldman Sachs Bank Usa has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 1,131 | $3,210,275,000 | $2,838,439 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| 1,131 | $3,210,275,000 | $2,838,439 |
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2022 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| Guild Mortgage Company LLC | FHA mortgage | Struggling to pay mortgage | 1 | 100.0% |