Goldman Sachs Bank Usa Mortgage Rates, Fees & Info

New York, NY

LEI: KD3XUN7C6T14HNAYLU02

Tax ID: 13-3571598

5 stars - Updated: 5/19/24 - out of 5 stars, based on 28 reviews

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

Review & Overview

Goldman Sachs Bank Usa is a small bank specializing in Home Purchase and Other loans. Goldman Sachs Bank Usa has a high proportion of conventional loans. Their top markets by origination volume include: New York, Los Angeles, Miami, San Francisco, and Chicago among others. We have data for 131 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 an average 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 relatively high 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.

Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

SimulatedRates™

Mortgage Type
Simulated Rate Simulation Date
30 Year Conventional Purchase 5.83% 5/19/24
30 Year Conventional Refi 5.84% 5/19/24
30 Year Cash-out Refi 5.86% 5/19/24
15 Year Conventional Refi 5.68% 5/19/24
15 Year Cash-out Refi 5.68% 5/19/24
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

765

Origination Dollar Volume (All Markets)

$1,607,195,000
Show all (19) awards

Relative Rate

Goldman Sachs Bank Usa's average 30 year fixed mortgage rate was 5.65%.

The 2023 average 30 year fixed rate mortgage across all markets and lenders was 6.48%.

This yields a difference of -0.83%.

Relative Fees (Closing Costs)

Goldman Sachs Bank Usa's average total fees/closing costs for a 30 year fixed rate mortgage were $8,299.

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 $9,089.

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
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 81 $206,185,000 $2,545,494 $11,426 5.67%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 48 $190,180,000 $3,962,083 $11,033 5.63%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 43 $118,725,000 $2,761,047 $12,445 5.48%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 31 $92,135,000 $2,972,097 $7,584 5.58%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 38 $59,890,000 $1,576,053 $5,890 5.74%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 29 $58,915,000 $2,031,552 $7,569 5.62%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 24 $50,730,000 $2,113,750 $8,474 5.65%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 17 $43,865,000 $2,580,294 $5,591 5.61%
Outside of Metro Areas 19 $43,375,000 $2,282,895 $8,552 5.78%
Heber, UT (FHA|USDA|VA) 13 $35,935,000 $2,764,231 $7,715 5.93%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 26 $34,360,000 $1,321,538 $9,909 5.62%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 25 $33,675,000 $1,347,000 $9,429 5.40%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 15 $29,145,000 $1,943,000 $10,441 5.87%
Edwards, CO (FHA|USDA|VA) 8 $26,300,000 $3,287,500 $9,040 6.01%
BARNSTABLE TOWN, MA (FHA|USDA|VA) 10 $23,080,000 $2,308,000 $6,342 5.57%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 13 $21,665,000 $1,666,538 $5,836 5.87%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 12 $21,420,000 $1,785,000 $12,469 5.50%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 9 $20,655,000 $2,295,000 $5,748 5.37%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 8 $17,100,000 $2,137,500 $12,211 5.48%
Glenwood Springs, CO (FHA|USDA|VA) 4 $16,440,000 $4,110,000 $13,475 5.53%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 8 $16,250,000 $2,031,250 $7,315 5.82%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 8 $14,390,000 $1,798,750 $6,197 5.56%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 12 $13,890,000 $1,157,500 $5,474 6.03%
SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 2 $13,770,000 $6,885,000 $13,405 6.05%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 9 $13,635,000 $1,515,000 $8,865 5.62%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 7 $13,255,000 $1,893,571 $4,752 6.21%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 6 $12,710,000 $2,118,333 $11,291 6.12%
OCEAN CITY, NJ (FHA|USDA|VA) 4 $11,860,000 $2,965,000 $11,889 5.89%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 7 $10,725,000 $1,532,143 $5,915 5.94%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 9 $10,455,000 $1,161,667 $3,595 5.73%
Whitewater, WI (FHA|USDA|VA) 3 $10,345,000 $3,448,333 $7,299 5.63%
Jackson, WY-ID (FHA|USDA|VA) 3 $10,015,000 $3,338,333 $11,806 5.48%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 5 $9,785,000 $1,957,000 $4,825 5.06%
SALT LAKE CITY, UT (FHA|USDA|VA) 8 $9,720,000 $1,215,000 $7,041 5.53%
RENO, NV (FHA|USDA|VA) 3 $9,665,000 $3,221,667 $12,618 5.52%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 7 $9,405,000 $1,343,571 $7,988 5.80%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 4 $9,280,000 $2,320,000 $8,376 5.70%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 3 $9,015,000 $3,005,000 $10,318 5.75%
ASHEVILLE, NC (FHA|USDA|VA) 5 $8,005,000 $1,601,000 $4,993 5.64%
SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 6 $7,980,000 $1,330,000 $4,800 5.51%
ST. LOUIS, MO-IL (FHA|USDA|VA) 4 $7,940,000 $1,985,000 $5,233 5.48%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 4 $7,670,000 $1,917,500 $6,136 5.39%
Vineyard Haven, MA (FHA|USDA|VA) 3 $7,415,000 $2,471,667 $12,241 5.67%
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 4 $7,090,000 $1,772,500 $7,100 5.40%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 6 $6,720,000 $1,120,000 $6,504 6.17%
Key West, FL (FHA|USDA|VA) 1 $6,495,000 $6,495,000 $30,776 5.15%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 4 $6,240,000 $1,560,000 $9,385 5.35%
Sebastian-Vero Beach, FL (FHA|USDA|VA) 4 $6,240,000 $1,560,000 $8,724 5.98%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 4 $5,920,000 $1,480,000 $4,014 5.34%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 4 $5,890,000 $1,472,500 $6,103 5.79%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 3 $5,615,000 $1,871,667 $7,958 6.32%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 2 $5,510,000 $2,755,000 $5,166 5.20%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 3 $5,465,000 $1,821,667 $4,259 5.80%
BOULDER, CO (FHA|USDA|VA) 3 $5,215,000 $1,738,333 $5,423 5.50%
JACKSONVILLE, FL (FHA|USDA|VA) 5 $5,195,000 $1,039,000 $7,540 5.84%
RICHMOND, VA (FHA|USDA|VA) 5 $5,075,000 $1,015,000 $4,873 5.52%
ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) 2 $5,010,000 $2,505,000 $9,063 5.30%
NAPA, CA (FHA|USDA|VA) 1 $5,005,000 $5,005,000 $22,417 5.15%
WILMINGTON, NC (FHA|USDA|VA) 1 $5,005,000 $5,005,000 $13,900 5.40%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 4 $4,960,000 $1,240,000 $3,611 5.31%
BEND, OR (FHA|USDA|VA) 2 $4,930,000 $2,465,000 $8,802 5.25%
PITTSBURGH, PA (FHA|USDA|VA) 6 $4,740,000 $790,000 $6,898 5.92%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 2 $4,510,000 $2,255,000 $4,986 5.95%
GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 2 $4,420,000 $2,210,000 $8,151 6.28%
SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 3 $4,415,000 $1,471,667 $3,970 5.88%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 4 $3,760,000 $940,000 $3,637 5.25%
RALEIGH-CARY, NC (FHA|USDA|VA) 3 $3,655,000 $1,218,333 $3,204 5.40%
SANTA FE, NM (FHA|USDA|VA) 2 $3,510,000 $1,755,000 $8,810 5.18%
Hailey, ID (FHA|USDA|VA) 1 $3,315,000 $3,315,000 $16,585 5.70%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 3 $3,265,000 $1,088,333 $7,009 5.82%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 3 $3,215,000 $1,071,667 $7,573 5.70%
Breckenridge, CO (FHA|USDA|VA) 3 $3,205,000 $1,068,333 $4,220 5.35%
BRUNSWICK, GA (FHA|USDA|VA) 1 $3,085,000 $3,085,000 $13,868 5.05%
Barre, VT (FHA|USDA|VA) 1 $3,005,000 $3,005,000 $8,791 5.90%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 3 $2,965,000 $988,333 $2,695 5.58%
SALISBURY, MD-DE (FHA|USDA|VA) 2 $2,800,000 $1,400,000 $6,489 5.43%
Truckee-Grass Valley, CA (FHA|USDA|VA) 2 $2,760,000 $1,380,000 $2,637 5.25%
NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 2 $2,660,000 $1,330,000 $1,974 5.43%
Traverse City, MI (FHA|USDA|VA) 1 $2,415,000 $2,415,000 $6,067 7.05%
Bozeman, MT (FHA|USDA|VA) 1 $2,105,000 $2,105,000 $8,537 5.35%
SALINAS, CA (FHA|USDA|VA) 1 $2,005,000 $2,005,000 $3,664 5.30%
Laconia, NH (FHA|USDA|VA) 1 $2,005,000 $2,005,000 $7,570 5.50%
TRENTON-PRINCETON, NJ (FHA|USDA|VA) 2 $1,980,000 $990,000 $6,224 6.33%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 2 $1,970,000 $985,000 $2,500 4.98%
KANSAS CITY, MO-KS (FHA|USDA|VA) 2 $1,930,000 $965,000 $2,068 5.28%
ST. GEORGE, UT (FHA|USDA|VA) 1 $1,875,000 $1,875,000 $6,280 5.00%
COLUMBUS, OH (FHA|USDA|VA) 1 $1,785,000 $1,785,000 $8,727 6.75%
Lebanon, NH-VT (FHA|USDA|VA) 3 $1,715,000 $571,667 $3,411 5.63%
URBAN HONOLULU, HI (FHA|USDA|VA) 1 $1,635,000 $1,635,000 $9,464 5.45%
Gardnerville Ranchos, NV (FHA|USDA|VA) 1 $1,605,000 $1,605,000 $5,229 5.15%
MADISON, WI (FHA|USDA|VA) 2 $1,590,000 $795,000 $2,668 5.18%
KINGSTON, NY (FHA|USDA|VA) 2 $1,550,000 $775,000 $6,252 5.61%
PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 2 $1,360,000 $680,000 $3,194 6.65%
Cambridge, MD (FHA|USDA|VA) 1 $1,125,000 $1,125,000 $5,861 6.50%
SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 1 $1,105,000 $1,105,000 $6,858 5.75%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 1 $1,105,000 $1,105,000 $5,221 5.00%
CHARLOTTESVILLE, VA (FHA|USDA|VA) 1 $1,005,000 $1,005,000 $4,095 5.00%
ANCHORAGE, AK (FHA|USDA|VA) 1 $1,005,000 $1,005,000 $6,434 5.10%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 1 $1,005,000 $1,005,000 $4,717 6.20%
TALLAHASSEE, FL (FHA|USDA|VA) 1 $1,005,000 $1,005,000 $7,317 4.95%
ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) 1 $975,000 $975,000 $7,567 5.13%
NILES, MI (FHA|USDA|VA) 1 $915,000 $915,000 $2,468 6.95%
ANN ARBOR, MI (FHA|USDA|VA) 1 $905,000 $905,000 $3,739 5.35%
JANESVILLE-BELOIT, WI (FHA|USDA|VA) 1 $905,000 $905,000 $5,391 5.85%
Keene, NH (FHA|USDA|VA) 1 $865,000 $865,000 $3,679 5.40%
FLAGSTAFF, AZ (FHA|USDA|VA) 1 $805,000 $805,000 $5,883 6.40%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 1 $805,000 $805,000 $6,345 5.15%
Spirit Lake, IA (FHA|USDA|VA) 1 $755,000 $755,000 $2,746 5.10%
HUNTSVILLE, AL (FHA|USDA|VA) 1 $755,000 $755,000 $2,758 6.10%
SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 1 $755,000 $755,000 $6,496 6.35%
ERIE, PA (FHA|USDA|VA) 1 $755,000 $755,000 $7,451 5.45%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 1 $745,000 $745,000 $19,386 5.50%
LAKE CHARLES, LA (FHA|USDA|VA) 1 $725,000 $725,000 $5,135 5.25%
GREELEY, CO (FHA|USDA|VA) 1 $685,000 $685,000 $2,021 5.10%
EAST STROUDSBURG, PA (FHA|USDA|VA) 1 $665,000 $665,000 $5,918 5.55%
HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 1 $615,000 $615,000 $5,465 5.25%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 1 $595,000 $595,000 $3,410 5.85%
Hudson, NY (FHA|USDA|VA) 1 $585,000 $585,000 $5,155 5.35%
Georgetown, SC (FHA|USDA|VA) 1 $555,000 $555,000 $3,787 5.60%
Olean, NY (FHA|USDA|VA) 1 $545,000 $545,000 $4,891 5.24%
Ruidoso, NM (FHA|USDA|VA) 1 $545,000 $545,000 $3,846 6.45%
BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) 1 $525,000 $525,000 $0 5.70%
WACO, TX (FHA|USDA|VA) 1 $525,000 $525,000 $4,605 5.25%
LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 1 $515,000 $515,000 $3,203 5.60%
SAVANNAH, GA (FHA|USDA|VA) 1 $505,000 $505,000 $3,312 5.20%
TUCSON, AZ (FHA|USDA|VA) 1 $505,000 $505,000 $4,937 7.15%
GETTYSBURG, PA (FHA|USDA|VA) 1 $505,000 $505,000 $5,136 5.40%
Bucyrus-Galion, OH (FHA|USDA|VA) 1 $505,000 $505,000 $5,496 5.75%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 1 $505,000 $505,000 $2,288 5.00%
Oxford, MS (FHA|USDA|VA) 1 $475,000 $475,000 $3,299 6.70%
Corsicana, TX (FHA|USDA|VA) 1 $475,000 $475,000 $4,641 5.55%
Goldman Sachs Bank Usa's top markets include New York, Los Angeles, Miami, San Francisco, and Chicago among others.

Their top states include:
  • California (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • New York (FHA|USDA|VA)
  • Massachusetts (FHA|USDA|VA)
  • Texas (FHA|USDA|VA)
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 765 $1,607,195,000 $2,100,908 $8,299 5.65%

    For 2023, Goldman Sachs Bank Usa's most frequently originated type of loan was Conventional, with 765 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 429 $748,835,000 $1,745,536 $8,708 5.74%
    Other 215 $523,005,000 $2,432,581 $7,664 5.49%
    Refi 70 $133,850,000 $1,912,143 $6,908 5.61%
    Cash Out Refi 51 $201,505,000 $3,951,078 $9,425 5.62%

    For 2023, Goldman Sachs Bank Usa's most frequently cited loan purpose was Home Purchase, with 429 originations. The 2nd most popular reason was Other, with 215 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 764 $1,596,220,000 $2,089,293 $8,299 5.65%
    5 Year 1 $10,975,000 $10,975,000 $0 6.75%

    For 2023, Goldman Sachs Bank Usa's most frequently cited loan duration was 30 Year, with 764 originations. The 2nd most popular length was 5 Year, with 1 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 743 $1,572,795,000 $2,116,817
    $5k+ 4 $4,280,000 $1,070,000
    $4k-5k 1 $905,000 $905,000

    Goldman Sachs Bank Usa's average total fees were $8,299, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 743 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    5-6% 493 $1,008,255,000 $2,045,142
    6-7% 177 $375,365,000 $2,120,706
    4-5% 75 $198,545,000 $2,647,267
    7-8% 19 $23,155,000 $1,218,684
    3-4% 1 $1,875,000 $1,875,000

    During 2023, Goldman Sachs Bank Usa's average interest rate for loans was 5.65%, while their most frequently originated rate bucket for loans was 5-6%, with 493 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $1MM+ 527 $1,440,585,000 $2,733,558 $9,915 5.61%
    $600k-1MM 165 $129,055,000 $782,152 $4,896 5.77%
    $400k-600k 70 $36,450,000 $520,714 $4,282 5.68%
    $200k-400k 3 $1,105,000 $368,333 $3,377 6.02%

    2023 saw Goldman Sachs Bank Usa place emphasis on $1MM+ loans with 527 originations, totaling $1,440,585,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $250k+ 436 $933,720,000 $2,141,560 $8,491 5.67%
    $150k-250k 77 $112,245,000 $1,457,727 $6,341 5.66%
    $100k-150k 37 $45,505,000 $1,229,865 $5,980 5.61%
    $50k or less 31 $45,165,000 $1,456,935 $7,343 5.46%
    $50k-75k 25 $29,145,000 $1,165,800 $5,582 5.60%
    $75k-100k 17 $26,545,000 $1,561,471 $6,452 5.67%

    Goldman Sachs Bank Usa lent most frequently to those with incomes in the $250k+ range, with 436 originations. The second most popular income band? $150k-250k, with 77 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    >60% 341 $763,085,000 $2,237,786 $8,798 5.59%
    20-30% 89 $156,285,000 $1,756,011 $7,110 5.75%
    50-60% 60 $128,130,000 $2,135,500 $7,899 5.64%
    30-36% 54 $69,390,000 $1,285,000 $6,914 5.82%
    <20% 52 $93,840,000 $1,804,615 $7,820 5.76%
    43% 12 $12,200,000 $1,016,667 $5,800 5.86%
    49% 12 $16,020,000 $1,335,000 $7,366 5.66%
    47% 11 $19,875,000 $1,806,818 $6,634 5.62%
    42% 11 $17,825,000 $1,620,455 $6,307 5.66%
    36% 11 $13,345,000 $1,213,182 $6,240 5.71%
    40% 10 $14,610,000 $1,461,000 $7,238 5.63%
    41% 9 $20,435,000 $2,270,556 $11,316 5.55%
    44% 9 $16,575,000 $1,841,667 $8,099 5.93%
    38% 7 $7,995,000 $1,142,143 $5,345 5.81%
    46% 6 $15,330,000 $2,555,000 $6,489 5.29%
    48% 6 $11,270,000 $1,878,333 $8,745 5.93%
    45% 6 $10,630,000 $1,771,667 $9,526 5.86%
    37% 6 $6,720,000 $1,120,000 $5,748 5.44%
    39% 6 $11,530,000 $1,921,667 $7,150 5.94%

    Goldman Sachs Bank Usa lent most frequently to those with DTI ratios of >60%, with 341 originations. The next most common DTI ratio? 20-30%, with 89 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 384 $728,200,000 $1,896,354 $7,903 5.70%
    Not provided 327 $705,375,000 $2,157,110 $8,499 5.59%
    Not applicable 12 $114,930,000 $9,577,500 $21,564 5.44%
    Asian 25 $37,465,000 $1,498,600 $7,852 5.74%
    Black 15 $19,715,000 $1,314,333 $5,803 5.64%
    Native Hawaiian or Islander 1 $1,005,000 $1,005,000 $3,710 5.50%
    American Indian 1 $505,000 $505,000 $2,203 5.80%

    Approval Rates

    Total approvals of all applications
    86.21%

    Goldman Sachs Bank Usa has an average approval rate.

    Pick Rate

    Approvals leading to origination
    73.99%

    Goldman Sachs Bank Usa has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 765 $1,607,195,000 $2,100,908

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    765 $1,607,195,000 $2,100,908

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 93 $152,475,000 $1,639,516 $6,495 5.65%
    40-60% 150 $380,260,000 $2,535,067 $9,180 5.68%
    60-80% 428 $969,640,000 $2,265,514 $8,898 5.66%
    80-100% 72 $76,050,000 $1,056,250 $5,805 5.63%
    Under 20% 22 $28,770,000 $1,307,727 $6,525 5.45%