Goldman Sachs Bank Usa Mortgage Rates, Fees & Info

New York, NY

LEI: KD3XUN7C6T14HNAYLU02

Tax ID: 13-3571598

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Mortgage Data

Bank Data

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.

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% 3/28/24
30 Year Conventional Refi 5.84% 3/28/24
30 Year Cash-out Refi 5.86% 3/28/24
15 Year Conventional Refi 5.68% 3/28/24
15 Year Cash-out Refi 5.68% 3/28/24
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

3,035

Origination Dollar Volume (All Markets)

$4,394,055,000

Employee count

2,185 Show all (24) awards

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%
Goldman Sachs Bank Usa's top markets include New York, Los Angeles, Chicago, San Francisco, and Miami among others.

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

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 1,697 $1,340,025,000 $789,643 $7,617 6.28%
    Refi 638 $1,990,200,000 $3,119,436 $5,287 4.15%
    Cash Out Refi 285 $589,475,000 $2,068,333 $5,765 4.21%
    Home Improvement 220 $48,200,000 $219,091 $6,064 6.72%
    Other 195 $426,155,000 $2,185,410 $6,384 3.19%

    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

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 1,408 $842,100,000 $598,082 $0 7.12%
    30 Year 1,272 $2,286,740,000 $1,797,752 $6,232 3.24%
    1 Year 297 $348,275,000 $1,172,643 $0 7.22%
    3 Year 40 $46,010,000 $1,150,250 $0 6.19%
    10 Year 17 $484,925,000 $28,525,000 $0 4.10%
    5 Year 1 $386,005,000 $386,005,000 $0 3.87%

    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

    Loan Rate Originations Total Value Average Loan
    6-7% 1,174 $465,860,000 $396,814
    3-4% 921 $2,179,525,000 $2,366,477
    2.5-3% 340 $786,500,000 $2,313,235
    7-8% 323 $413,965,000 $1,281,625
    Over 8% 156 $120,790,000 $774,295
    5-6% 91 $152,645,000 $1,677,418
    4-5% 27 $271,195,000 $10,044,259
    % 2 $1,970,000 $985,000
    <2.5% 1 $1,605,000 $1,605,000

    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

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $1MM+ 1,132 $3,687,000,000 $3,257,067 $7,584 4.26%
    $100k-200k 656 $100,280,000 $152,866 $0 6.96%
    $200k-400k 484 $133,080,000 $274,959 $2,907 6.92%
    $600k-1MM 478 $379,830,000 $794,623 $3,837 4.28%
    $400k-600k 171 $85,045,000 $497,339 $3,394 5.91%
    $100,000 or less 114 $8,820,000 $77,368 $0 7.12%

    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

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $250k+ 683 $1,342,925,000 $1,966,215 $6,628 3.20%
    $150k-250k 117 $190,445,000 $1,627,735 $5,628 3.26%
    $100k-150k 62 $82,530,000 $1,331,129 $5,127 3.27%
    $50k or less 58 $68,050,000 $1,173,276 $4,825 3.37%
    $50k-75k 47 $70,465,000 $1,499,255 $5,624 3.33%
    $75k-100k 42 $51,300,000 $1,221,429 $5,242 3.18%

    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

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    >60% 554 $1,092,380,000 $1,971,805 $6,578 3.24%
    20-30% 150 $235,110,000 $1,567,400 $5,687 3.27%
    <20% 132 $224,090,000 $1,697,652 $6,239 3.18%
    50-60% 88 $126,850,000 $1,441,477 $5,651 3.32%
    30-36% 87 $126,705,000 $1,456,379 $5,409 3.22%
    36% 23 $42,465,000 $1,846,304 $5,829 3.19%
    43% 19 $27,125,000 $1,427,632 $6,622 3.26%
    37% 17 $20,225,000 $1,189,706 $4,973 3.31%
    45% 15 $30,475,000 $2,031,667 $7,310 3.44%
    41% 15 $17,945,000 $1,196,333 $5,308 3.38%
    39% 15 $31,235,000 $2,082,333 $7,033 3.34%
    42% 14 $18,020,000 $1,287,143 $4,751 3.19%
    49% 13 $22,755,000 $1,750,385 $4,841 3.20%
    38% 13 $16,415,000 $1,262,692 $3,865 3.17%
    44% 12 $16,390,000 $1,365,833 $5,567 3.29%
    40% 10 $12,700,000 $1,270,000 $4,197 3.09%
    47% 5 $6,635,000 $1,327,000 $7,102 3.18%
    46% 5 $9,275,000 $1,855,000 $8,887 3.09%
    48% 3 $2,605,000 $868,333 $3,715 3.38%

    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

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    Not applicable 1,792 $2,193,800,000 $1,224,219 $8,127 7.02%
    White 693 $1,126,665,000 $1,625,779 $5,873 3.24%
    Not provided 499 $992,155,000 $1,988,287 $6,708 3.24%
    Asian 37 $62,995,000 $1,702,568 $5,923 3.24%
    Black 14 $18,440,000 $1,317,143 $6,110 3.20%

    Approval Rates

    Total approvals of all applications
    95.21%

    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 origination
    82.87%

    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

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 157 $242,065,000 $1,541,815 $5,539 3.29%
    40-60% 365 $1,186,005,000 $3,249,329 $6,619 3.53%
    60-80% 1,075 $2,018,055,000 $1,877,260 $6,423 4.72%
    80-100% 1,059 $499,815,000 $471,969 $5,194 6.70%
    Over 100% 348 $414,720,000 $1,191,724 $0 7.27%
    Under 20% 31 $33,395,000 $1,077,258 $5,419 3.34%

    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