Lender profile · HMDA 2023–2025
Goldman Sachs Bank USA mortgage approval rates & lending data
Goldman Sachs Bank USA decided 1,686 mortgage applications and funded 1,622 loans across the 616 counties Fat Boy Data covers, 2023–2025.
Approval by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 100% | 853 / 857 | 97% | $1.27M | 831 |
| Cash-out refinance | 96% | 106 / 111 | 99% | $1.85M | 105 |
| Refinance | 99% | 265 / 269 | 99% | $1.12M | 262 |
| Investment property purchase | 99% | 317 / 321 | 96% | $1.24M | 304 |
| Investment cash-out refinance | 95% | 42 / 44 | 98% | $2M | 41 |
| Investment refinance | 95% | 80 / 84 | 99% | $1.73M | 79 |
Goldman Sachs Bank USA lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| California | 98% | $2.31M | 335 | 319 |
| Texas | 100% | $1.27M | 189 | 186 |
| New York | 98% | $1.50M | 174 | 162 |
| Florida | 98% | $1.88M | 170 | 164 |
| Illinois | 100% | $1.25M | 122 | 121 |
| Massachusetts | 100% | $1.30M | 91 | 88 |
| New Jersey | 96% | $1M | 51 | 48 |
| Arizona | 100% | $1.42M | 46 | 44 |
| Washington | 98% | $1.54M | 44 | 43 |
| North Carolina | 100% | $1.64M | 37 | 35 |
| Connecticut | 94% | $1.05M | 35 | 31 |
| Pennsylvania | 97% | $755K | 34 | 33 |
| Georgia | 91% | $1.08M | 32 | 28 |
| South Carolina | 100% | $1.91M | 30 | 30 |
| Virginia | 100% | $1.10M | 28 | 27 |
Covers the 616 counties in the Fat Boy Data footprint, which is 79.6% of the US population — not every county in each state. Methodology.