Goldman Sachs Bank Usa Mortgage Rates, Fees & Info
New York, NYLEI: KD3XUN7C6T14HNAYLU02
Tax ID: 13-3571598
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Review & Overview
Goldman Sachs Bank Usa is a mid-sized bank specializing in Home Purchase and Refi loans. Goldman Sachs Bank Usa has a high proportion of conventional loans. Their top markets by origination volume include: New York, Los Angeles, Chicago, San Francisco, and Miami among others. We have data for 183 markets. (Some data included below & more in-depth data is available with an active subscription.)Goldman Sachs Bank Usa has an above 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 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% | 12/16/24 |
| 30 Year Conventional Refi | 5.84% | 12/16/24 |
| 30 Year Cash-out Refi | 5.86% | 12/16/24 |
| 15 Year Conventional Refi | 5.68% | 12/16/24 |
| 15 Year Cash-out Refi | 5.68% | 12/16/24 |
| 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
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This is not an official calculator from Goldman Sachs Bank Usa. It uses our SimulatedRate™
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
3,035Origination Dollar Volume (All Markets)
$4,394,055,000Employee count
2,185Awards
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Goldman Sachs Bank USA - 2019
Goldman Sachs Bank USA is a 2019 , due to their low .
For 2019, less than of lenders were eligible for this award.
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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) | 197 | $919,535,000 | $4,667,690 | $7,798 | 3.97% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 377 | $765,605,000 | $2,030,782 | $6,421 | 6.04% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 148 | $338,670,000 | $2,288,311 | $4,012 | 5.11% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 111 | $301,505,000 | $2,716,261 | $6,149 | 4.41% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 71 | $122,005,000 | $1,718,380 | $9,278 | 4.39% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 79 | $116,725,000 | $1,477,532 | $5,004 | 5.44% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 63 | $113,945,000 | $1,808,651 | $5,634 | 3.29% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 51 | $112,505,000 | $2,205,980 | $4,279 | 5.07% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 104 | $103,350,000 | $993,750 | $5,908 | 6.40% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 65 | $82,575,000 | $1,270,385 | $4,727 | 5.21% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 209 | $74,845,000 | $358,110 | $6,236 | 6.64% |
| Outside of Metro Areas | 30 | $63,240,000 | $2,108,000 | $8,557 | 3.60% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 134 | $59,850,000 | $446,642 | $7,547 | 6.15% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 107 | $53,145,000 | $496,682 | $7,969 | 6.31% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 70 | $51,470,000 | $735,286 | $19,053 | 6.74% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 26 | $49,030,000 | $1,885,769 | $7,501 | 3.24% |
| Edwards, CO (FHA|USDA|VA) | 16 | $48,520,000 | $3,032,500 | $7,785 | 3.16% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 35 | $44,315,000 | $1,266,143 | $7,667 | 6.55% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 109 | $43,075,000 | $395,183 | $4,167 | 5.53% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 26 | $41,490,000 | $1,595,769 | $7,808 | 3.47% |
| Heber, UT (FHA|USDA|VA) | 12 | $35,350,000 | $2,945,833 | $6,919 | 3.18% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 2 | $33,210,000 | $16,605,000 | $1,731 | 3.76% |
| Jackson, WY-ID (FHA|USDA|VA) | 11 | $32,875,000 | $2,988,636 | $9,084 | 3.13% |
| TUCSON, AZ (FHA|USDA|VA) | 182 | $32,310,000 | $177,527 | $3,995 | 6.60% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 15 | $30,685,000 | $2,045,667 | $2,791 | 3.45% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 13 | $28,705,000 | $2,208,077 | $5,727 | 3.43% |
| COLUMBUS, OH (FHA|USDA|VA) | 4 | $28,040,000 | $7,010,000 | $4,527 | 3.99% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 40 | $25,320,000 | $633,000 | $4,168 | 6.15% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 13 | $24,745,000 | $1,903,462 | $7,544 | 5.48% |
| NAPA, CA (FHA|USDA|VA) | 6 | $23,970,000 | $3,995,000 | $7,630 | 3.23% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 40 | $22,000,000 | $550,000 | $5,295 | 5.55% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 55 | $18,035,000 | $327,909 | $3,852 | 6.86% |
| BARNSTABLE TOWN, MA (FHA|USDA|VA) | 10 | $17,510,000 | $1,751,000 | $7,556 | 3.24% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 64 | $17,380,000 | $271,563 | $5,005 | 6.86% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 10 | $15,820,000 | $1,582,000 | $5,853 | 3.33% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 16 | $14,960,000 | $935,000 | $4,281 | 4.37% |
| SPARTANBURG, SC (FHA|USDA|VA) | 1 | $14,505,000 | $14,505,000 | $0 | 3.68% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 14 | $13,950,000 | $996,429 | $4,035 | 3.66% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 18 | $12,970,000 | $720,556 | $3,430 | 5.46% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 10 | $12,330,000 | $1,233,000 | $3,726 | 5.05% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 8 | $12,320,000 | $1,540,000 | $5,113 | 3.83% |
| SALINAS, CA (FHA|USDA|VA) | 6 | $12,180,000 | $2,030,000 | $5,562 | 3.21% |
| Glenwood Springs, CO (FHA|USDA|VA) | 6 | $12,140,000 | $2,023,333 | $8,475 | 3.19% |
| Vernal, UT (FHA|USDA|VA) | 2 | $12,020,000 | $6,010,000 | $0 | 6.78% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 6 | $11,420,000 | $1,903,333 | $7,824 | 3.38% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 9 | $11,125,000 | $1,236,111 | $7,601 | 3.67% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 63 | $10,945,000 | $173,730 | $9,867 | 7.13% |
| URBAN HONOLULU, HI (FHA|USDA|VA) | 5 | $10,735,000 | $2,147,000 | $8,629 | 3.39% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 22 | $10,630,000 | $483,182 | $2,180 | 6.56% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 10 | $10,520,000 | $1,052,000 | $4,637 | 4.51% |
| Whitewater, WI (FHA|USDA|VA) | 4 | $9,920,000 | $2,480,000 | $4,890 | 3.10% |
| Columbus, MS (FHA|USDA|VA) | 1 | $9,505,000 | $9,505,000 | $0 | 4.20% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 40 | $8,810,000 | $220,250 | $2,620 | 6.82% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 3 | $8,695,000 | $2,898,333 | $0 | 5.69% |
| NEW HAVEN-MILFORD, CT (FHA|USDA|VA) | 2 | $8,560,000 | $4,280,000 | $20,801 | 4.83% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 11 | $8,195,000 | $745,000 | $7,047 | 5.33% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 4 | $8,040,000 | $2,010,000 | $8,834 | 5.48% |
| BRUNSWICK, GA (FHA|USDA|VA) | 4 | $8,010,000 | $2,002,500 | $3,765 | 3.50% |
| OCEAN CITY, NJ (FHA|USDA|VA) | 5 | $7,665,000 | $1,533,000 | $7,449 | 3.35% |
| NILES, MI (FHA|USDA|VA) | 4 | $6,960,000 | $1,740,000 | $4,030 | 3.16% |
| Greenwood, SC (FHA|USDA|VA) | 1 | $6,905,000 | $6,905,000 | $0 | 6.00% |
| MUNCIE, IN (FHA|USDA|VA) | 1 | $6,605,000 | $6,605,000 | $0 | 4.10% |
| Vineyard Haven, MA (FHA|USDA|VA) | 4 | $6,510,000 | $1,627,500 | $7,794 | 3.19% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 5 | $6,315,000 | $1,263,000 | $3,138 | 3.12% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 2 | $6,080,000 | $3,040,000 | $12,503 | 3.03% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 9 | $6,025,000 | $669,444 | $4,960 | 4.62% |
| Steamboat Springs, CO (FHA|USDA|VA) | 3 | $5,895,000 | $1,965,000 | $5,192 | 3.37% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 6 | $5,630,000 | $938,333 | $4,866 | 3.42% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 4 | $5,360,000 | $1,340,000 | $4,808 | 3.34% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 3 | $5,205,000 | $1,735,000 | $7,911 | 3.03% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 5 | $5,045,000 | $1,009,000 | $4,966 | 5.82% |
| Key West, FL (FHA|USDA|VA) | 3 | $4,905,000 | $1,635,000 | $11,587 | 4.02% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 4 | $4,790,000 | $1,197,500 | $8,592 | 4.83% |
| Oak Harbor, WA (FHA|USDA|VA) | 2 | $4,690,000 | $2,345,000 | $7,738 | 3.58% |
| PITTSBURGH, PA (FHA|USDA|VA) | 4 | $4,660,000 | $1,165,000 | $7,443 | 3.08% |
| PITTSFIELD, MA (FHA|USDA|VA) | 5 | $4,555,000 | $911,000 | $5,007 | 3.24% |
| Easton, MD (FHA|USDA|VA) | 4 | $4,490,000 | $1,122,500 | $4,666 | 3.36% |
| Cullowhee, NC (FHA|USDA|VA) | 3 | $4,395,000 | $1,465,000 | $4,087 | 3.10% |
| RENO, NV (FHA|USDA|VA) | 3 | $4,365,000 | $1,455,000 | $6,466 | 3.50% |
| JACKSON, MS (FHA|USDA|VA) | 1 | $4,355,000 | $4,355,000 | $0 | 6.50% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 4 | $4,310,000 | $1,077,500 | $4,024 | 3.29% |
| Torrington, CT (FHA|USDA|VA) | 3 | $4,285,000 | $1,428,333 | $6,586 | 3.25% |
| Fernley, NV (FHA|USDA|VA) | 1 | $4,145,000 | $4,145,000 | $0 | 8.00% |
| STOCKTON, CA (FHA|USDA|VA) | 7 | $3,755,000 | $536,429 | $1,734 | 7.79% |
| WICHITA, KS (FHA|USDA|VA) | 2 | $3,690,000 | $1,845,000 | $8,175 | 5.53% |
| RICHMOND, VA (FHA|USDA|VA) | 5 | $3,535,000 | $707,000 | $2,859 | 4.34% |
| Hilo, HI (FHA|USDA|VA) | 2 | $3,390,000 | $1,695,000 | $9,243 | 3.38% |
| Durango, CO (FHA|USDA|VA) | 3 | $3,375,000 | $1,125,000 | $3,394 | 3.30% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 2 | $3,190,000 | $1,595,000 | $4,710 | 2.95% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 4 | $3,150,000 | $787,500 | $2,966 | 7.65% |
| LOUISVILLE, KY (FHA|USDA|VA) | 3 | $2,975,000 | $991,667 | $2,196 | 3.18% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 3 | $2,895,000 | $965,000 | $3,222 | 5.28% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 13 | $2,815,000 | $216,538 | $0 | 7.00% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 2 | $2,760,000 | $1,380,000 | $2,558 | 3.45% |
| Hailey, ID (FHA|USDA|VA) | 2 | $2,610,000 | $1,305,000 | $7,085 | 3.08% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 4 | $2,450,000 | $612,500 | $2,230 | 5.60% |
| PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) | 1 | $2,315,000 | $2,315,000 | $3,699 | 3.00% |
| WENATCHEE, WA (FHA|USDA|VA) | 1 | $2,205,000 | $2,205,000 | $6,850 | 3.50% |
| ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) | 3 | $2,135,000 | $711,667 | $4,858 | 3.58% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 2 | $2,110,000 | $1,055,000 | $1,691 | 5.40% |
| FLAGSTAFF, AZ (FHA|USDA|VA) | 2 | $2,100,000 | $1,050,000 | $4,611 | 3.18% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 2 | $2,020,000 | $1,010,000 | $0 | 6.20% |
| SANTA FE, NM (FHA|USDA|VA) | 1 | $2,005,000 | $2,005,000 | $7,175 | 3.05% |
| NORWICH-NEW LONDON, CT (FHA|USDA|VA) | 1 | $1,875,000 | $1,875,000 | $7,821 | 3.05% |
| Ukiah, CA (FHA|USDA|VA) | 1 | $1,855,000 | $1,855,000 | $0 | 3.35% |
| ST. GEORGE, UT (FHA|USDA|VA) | 1 | $1,845,000 | $1,845,000 | $4,551 | 3.00% |
| BEND, OR (FHA|USDA|VA) | 3 | $1,795,000 | $598,333 | $3,889 | 3.18% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 2 | $1,770,000 | $885,000 | $2,008 | 3.45% |
| Lebanon, NH-VT (FHA|USDA|VA) | 2 | $1,760,000 | $880,000 | $4,200 | 3.30% |
| Breckenridge, CO (FHA|USDA|VA) | 2 | $1,690,000 | $845,000 | $3,281 | 2.98% |
| BOULDER, CO (FHA|USDA|VA) | 2 | $1,640,000 | $820,000 | $2,222 | 3.35% |
| EAST STROUDSBURG, PA (FHA|USDA|VA) | 2 | $1,640,000 | $820,000 | $7,437 | 3.00% |
| MISSOULA, MT (FHA|USDA|VA) | 1 | $1,575,000 | $1,575,000 | $2,957 | 3.25% |
| KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) | 2 | $1,570,000 | $785,000 | $0 | 3.75% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 2 | $1,560,000 | $780,000 | $2,407 | 3.10% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 1 | $1,545,000 | $1,545,000 | $9,539 | 3.60% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 2 | $1,480,000 | $740,000 | $3,727 | 3.43% |
| GLENS FALLS, NY (FHA|USDA|VA) | 1 | $1,455,000 | $1,455,000 | $7,215 | 3.33% |
| Morehead City, NC (FHA|USDA|VA) | 1 | $1,455,000 | $1,455,000 | $4,254 | 2.85% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 2 | $1,450,000 | $725,000 | $2,893 | 3.35% |
| Las Vegas, NM (FHA|USDA|VA) | 1 | $1,395,000 | $1,395,000 | $7,916 | 3.50% |
| Kill Devil Hills, NC (FHA|USDA|VA) | 1 | $1,365,000 | $1,365,000 | $0 | 3.38% |
| ASHEVILLE, NC (FHA|USDA|VA) | 2 | $1,190,000 | $595,000 | $3,842 | 5.73% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 1 | $1,095,000 | $1,095,000 | $3,712 | 3.60% |
| ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) | 1 | $1,085,000 | $1,085,000 | $6,301 | 3.23% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 1 | $1,065,000 | $1,065,000 | $3,643 | 2.80% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 1 | $1,005,000 | $1,005,000 | $2,319 | 3.15% |
| MONTGOMERY, AL (FHA|USDA|VA) | 1 | $1,005,000 | $1,005,000 | $2,274 | 2.90% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 1 | $995,000 | $995,000 | $2,566 | 3.10% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 1 | $965,000 | $965,000 | $3,605 | 3.30% |
| KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) | 1 | $955,000 | $955,000 | $2,266 | 2.75% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 8 | $930,000 | $116,250 | $0 | 8.25% |
| Sonora, CA (FHA|USDA|VA) | 1 | $845,000 | $845,000 | $2,996 | 3.00% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 1 | $795,000 | $795,000 | $5,084 | 3.05% |
| BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) | 2 | $780,000 | $390,000 | $2,430 | 3.80% |
| Bozeman, MT (FHA|USDA|VA) | 1 | $755,000 | $755,000 | $5,285 | 3.60% |
| BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) | 1 | $755,000 | $755,000 | $4,876 | 3.25% |
| BLOOMINGTON, IL (FHA|USDA|VA) | 1 | $755,000 | $755,000 | $3,694 | 2.95% |
| Kalispell, MT (FHA|USDA|VA) | 1 | $755,000 | $755,000 | $5,062 | 2.90% |
| SPRINGFIELD, MO (FHA|USDA|VA) | 1 | $755,000 | $755,000 | $2,076 | 3.15% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 1 | $755,000 | $755,000 | $3,413 | 3.15% |
| Barre, VT (FHA|USDA|VA) | 1 | $725,000 | $725,000 | $2,549 | 3.10% |
| VINELAND-BRIDGETON, NJ (FHA|USDA|VA) | 3 | $705,000 | $235,000 | $0 | 7.00% |
| OCALA, FL (FHA|USDA|VA) | 1 | $685,000 | $685,000 | $0 | 7.50% |
| STATE COLLEGE, PA (FHA|USDA|VA) | 1 | $675,000 | $675,000 | $5,336 | 3.15% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 1 | $645,000 | $645,000 | $0 | 3.50% |
| SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) | 1 | $645,000 | $645,000 | $2,914 | 3.35% |
| HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) | 1 | $605,000 | $605,000 | $2,694 | 3.20% |
| Hudson, NY (FHA|USDA|VA) | 1 | $525,000 | $525,000 | $4,098 | 3.65% |
| VALLEJO, CA (FHA|USDA|VA) | 1 | $495,000 | $495,000 | $0 | 7.00% |
| SHERMAN-DENISON, TX (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $4,003 | 3.95% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $4,149 | 4.00% |
| CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $0 | 8.50% |
| Holland, MI (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $2,020 | 3.75% |
| CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $0 | 6.50% |
| POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $4,350 | 5.90% |
| Jefferson, GA (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $0 | 6.25% |
| SAVANNAH, GA (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $2,949 | 3.80% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $0 | 7.25% |
| DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $0 | 8.50% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $0 | 8.50% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 2 | $230,000 | $115,000 | $0 | 7.75% |
| BOISE CITY, ID (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 7.25% |
| WACO, TX (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $0 | 8.50% |
| MACON-BIBB COUNTY, GA (FHA|USDA|VA) | 2 | $180,000 | $90,000 | $0 | 6.25% |
| Thomaston, GA (FHA|USDA|VA) | 2 | $170,000 | $85,000 | $0 | 6.25% |
| GAINESVILLE, FL (FHA|USDA|VA) | 2 | $170,000 | $85,000 | $0 | 7.75% |
| HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 8.00% |
| SPRINGFIELD, MA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 8.99% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 2 | $150,000 | $75,000 | $0 | 6.25% |
| LaGrange, GA-AL (FHA|USDA|VA) | 2 | $150,000 | $75,000 | $0 | 6.28% |
| COLUMBUS, GA-AL (FHA|USDA|VA) | 2 | $150,000 | $75,000 | $0 | 6.28% |
| GAINESVILLE, GA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $0 | 6.25% |
| ROME, GA (FHA|USDA|VA) | 2 | $140,000 | $70,000 | $0 | 6.25% |
| VALDOSTA, GA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 6.25% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 7.00% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 6.50% |
| ALBANY, GA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 6.25% |
| ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 6.25% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 7.50% |
| Shelby, NC (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 8.50% |
| Alamogordo, NM (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 8.50% |
| Cedartown, GA (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 6.30% |
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 3,035 | $4,394,055,000 | $1,447,794 | $6,232 | 5.47% |
For 2019, Goldman Sachs Bank Usa's most frequently originated type of loan was Conventional, with 3,035 originations.
Loan Reason
For 2019, Goldman Sachs Bank Usa's most frequently cited loan purpose was Home Purchase, with 1,697 originations. The 2nd most popular reason was Refi, with 638 originations.
Loan Duration/Length
For 2019, Goldman Sachs Bank Usa's most frequently cited loan duration was Other, with 1,408 originations. The 2nd most popular length was 30 Year, with 1,272 originations.
Origination Fees/Closing Costs
| Origination Fee/Closing Cost | Originations | Total Value | Average Loan |
|---|---|---|---|
| $<1k | 1,167 | $2,103,255,000 | $1,802,275 |
| $5k+ | 4 | $4,500,000 | $1,125,000 |
Goldman Sachs Bank Usa's average total fees were $6,232, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 1,167 originations.
Interest Rates
During 2019, Goldman Sachs Bank Usa's average interest rate for loans was 3.24%, while their most frequently originated rate bucket for loans was 6-7%, with 1,174 originations.
Loan Sizing
2019 saw Goldman Sachs Bank Usa place emphasis on $1MM+ loans with 1,132 originations, totaling $3,687,000,000 in origination value.
Applicant Income
Goldman Sachs Bank Usa lent most frequently to those with incomes in the $250k+ range, with 683 originations. The second most popular income band? $150k-250k, with 117 originations.
Applicant Debt to Income Ratio
Goldman Sachs Bank Usa lent most frequently to those with DTI ratios of >60%, with 554 originations. The next most common DTI ratio? 20-30%, with 150 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications95.21%
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 origination82.87%
Goldman Sachs Bank Usa has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 3,035 | $4,394,055,000 | $1,447,794 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Multifamily:Site-Built | 82 | $1,159,630,000 | $14,141,829 |
| Single Family (1-4 Units):Site-Built | 2,953 | $3,234,425,000 | $1,095,301 |
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2019 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| GOLDMAN SACHS BANK USA | Other type of mortgage | Struggling to pay mortgage | 1 | 100.0% |
Bank Details
Branches
| Bank Name | Branch | Branch Type | Deposits (000's) |
|---|---|---|---|
| Goldman Sachs Bank USA | 111 S Main St Salt Lake City, UT 84111 | Full Service B&M | $38,175,000 |
| 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 | 200 West Street New York, NY 10282 | Full Service B&M | $101,805,000 |
| Goldman Sachs Bank USA | 30 Hudson Street Jersey City, NJ 7302 | Limited, Trust Office | $0 |
For 2019, Goldman Sachs Bank Usa had 5 branches.
Yearly Performance Overview
Bank Income
| Item | Value (in 000's) |
|---|---|
| Total interest income | $7,552,000 |
| Net interest income | $2,877,000 |
| Total noninterest income | $2,270,000 |
| Gross Fiduciary activities income | $24,000 |
| Service charges on deposit accounts | $0 |
| Trading account gains and fees | $961,000 |
| Additional Noninterest Income | $1,285,000 |
| Pre-tax net operating income | $2,082,000 |
| Securities gains (or losses, -) | $0 |
| Income before extraordinary items | $1,617,000 |
| Discontinued Operations (Extraordinary gains, net) | $0 |
| Net income of bank and minority interests | $1,617,000 |
| Minority interest net income | $1,000 |
| Net income | $1,616,000 |
| Sale, conversion, retirement of capital stock, net | $0 |
| Net operating income | $1,617,000 |
Goldman Sachs Bank Usa's gross interest income from loans was $7,552,000,000.
Goldman Sachs Bank Usa's net interest income from loans was $2,877,000,000.
Goldman Sachs Bank Usa's fee based income from loans was $0.
Goldman Sachs Bank Usa's net income from loans was $1,616,000,000.
Bank Expenses
| Item | Value (in 000's) |
|---|---|
| Total interest expense | $4,675,000 |
| Provision for credit losses | $591,000 |
| Total noninterest expense | $2,474,000 |
| Salaries and employee benefits | $528,000 |
| Premises and equipment expense | $66,000 |
| Additional noninterest expense | $1,880,000 |
| Applicable income taxes | $465,000 |
| Net charge-offs | $431,000 |
| Cash dividends | $0 |
Goldman Sachs Bank Usa's interest expense for loans was $4,675,000,000.
Goldman Sachs Bank Usa's payroll and benefits expense were $528,000,000.
Goldman Sachs Bank Usa's property, plant and equipment expenses $66,000,000.
Loan Performance
| Type of Loan | % of Loans Noncurrent (30+ days, end of period snapshot) |
|---|---|
| All loans | 0.0% |
| Real Estate loans | 0.0% |
| Construction & Land Development loans | 2.0% |
| Nonfarm, nonresidential loans | 0.0% |
| Multifamily residential loans | 0.0% |
| 1-4 family residential loans | 0.0% |
| HELOC loans | 0.0% |
| All other family | 0.0% |
| Commercial & industrial loans | 1.0% |
| Personal loans | 0.0% |
| Credit card loans | 0.2% |
| Other individual loans | 0.0% |
| Auto loans | 0.0% |
| Other consumer loans | 0.0% |
| Unsecured commercial real estate loans | 0.0% |
Deposits
| Type | Value (in 000's) |
|---|---|
| Total deposits | $168,119,000 |
| Deposits held in domestic offices | $168,119,000 |
| Deposits by Individuals, partnerships, and corporations | $167,659,000 |
| Deposits by U.S. Government | $0 |
| Deposits by States and political subdivisions in the U.S. | $275,000 |
| Deposits by Commercial banks and other depository institutions in U.S. | $185,000 |
| Deposits by Banks in foreign countries | $0 |
| Deposits by Foreign governments and official institutions | $0 |
| Transaction accounts | $7,450,000 |
| Demand deposits | $5,446,000 |
| Nontransaction accounts | $160,669,000 |
| Money market deposit accounts (MMDAs) | $67,408,000 |
| Other savings deposits (excluding MMDAs) | $29,460,000 |
| Total time deposits | $63,801,000 |
| Total time and savings deposits | $162,673,000 |
| Noninterest-bearing deposits | $6,000 |
| Interest-bearing deposits | $168,113,000 |
| Retail deposits | $97,813,000 |
| IRAs and Keogh plan accounts | $8,096,000 |
| Brokered deposits | $60,994,000 |
| Deposits held in foreign offices | $0 |
Assets
| Asset | Value (in 000's) |
|---|---|
| Total Assets | $228,836,000 |
| Cash & Balances due from depository institutions | $52,578,000 |
| Interest-bearing balances | $51,942,000 |
| Total securities | $7,354,000 |
| Federal funds sold & reverse repurchase | $4,424,000 |
| Net loans and leases | $83,599,000 |
| Loan and leases loss allowance | $777,000 |
| Trading account assets | $69,965,000 |
| Bank premises and fixed assets | $33,000 |
| Other real estate owned | $15,000 |
| Goodwill and other intangibles | $61,000 |
| All other assets | $10,807,000 |
Liabilities
| Liabilities | Value (in 000's) |
|---|---|
| Total liabilities and capital | $228,836,000 |
| Total Liabilities | $199,466,000 |
| Total deposits | $168,119,000 |
| Interest-bearing deposits | $168,113,000 |
| Deposits held in domestic offices | $168,119,000 |
| % insured (estimated) | $62 |
| Federal funds purchased and repurchase agreements | $9,890,000 |
| Trading liabilities | $7,944,000 |
| Other borrowed funds | $3,645,000 |
| Subordinated debt | $4,250,000 |
| All other liabilities | $5,618,000 |
Issued Loan Types
| Type | Value (in 000's) |
|---|---|
| Net loans and leases | $83,599,000 |
| Loan and leases loss allowance | $777,000 |
| Total loans and leases (domestic) | $84,376,000 |
| All real estate loans | $20,608,000 |
| Real estate loans in domestic offices | $20,608,000 |
| Construction and development loans | $2,872,000 |
| Residential 1-4 family construction | $709,000 |
| Other construction, all land development and other land | $2,163,000 |
| Loans secured by nonfarm nonresidential properties | $5,818,000 |
| Nonfarm nonresidential secured by owner-occupied properties | $86,000 |
| Commercial real estate & other non-farm, non-residential | $5,732,000 |
| Multifamily residential real estate | $331,000 |
| 1-4 family residential loans | $11,573,000 |
| Farmland loans | $14,000 |
| Loans held in foreign offices | $0 |
| Farm loans | $0 |
| Commercial and industrial loans | $15,416,000 |
| To non-U.S. addressees | $4,414,000 |
| Loans to individuals | $9,863,000 |
| Credit card loans | $1,858,000 |
| Related Plans | $0 |
| Consumer Auto Loans | $0 |
| Other loans to individuals | $8,005,000 |
| All other loans & leases | $38,489,000 |
| Loans to foreign governments and official institutions | $699,000 |
| Other loans | $37,632,000 |
| Loans to depository institutions and acceptances of other banks | $36,000 |
| Loans not secured by real estate | $1,696,000 |
| Loans secured by real estate to non-U.S. addressees | $642,000 |
| Restructured Loans & leases | $0 |
| Non 1-4 family restructured loans & leases | $0 |
| Total loans and leases (foreign) | $0 |
Goldman Sachs Bank USA had $83,599,000,000 of loans outstanding in 2019. $20,608,000,000 of loans were in real estate loans. $2,872,000,000 of loans were in development loans. $331,000,000 of loans were in multifamily mortgage loans. $11,573,000,000 of loans were in 1-4 family mortgage loans. $0 of loans were in farm loans. $1,858,000,000 of loans were in credit card loans. $0 of loans were in the auto loan category.
Small Business Loans
| Categorization | # of Loans in Category | $ amount of loans (in 000's) | Average $/loan |
|---|---|---|---|
| Nonfarm, nonresidential loans - <$1MM | 3 | $1,000 | $333,333 |
| Nonfarm, nonresidential loans - $100-250k | 2 | $0 | $0 |
| Nonfarm, nonresidential loans - $250k-1MM | 1 | $1,000 | $1,000,000 |
| Commercial & Industrial, US addressed loans - <$1MM | 23 | $12,000 | $521,739 |
| Commercial & Industrial, US addressed loans - <$100k | 1 | $0 | $0 |
| Commercial & Industrial, US addressed loans - $100-250k | 3 | $1,000 | $333,333 |
| Commercial & Industrial, US addressed loans - $250k-1MM | 19 | $11,000 | $578,947 |