Goldman Sachs Bank Usa
New York, NY · What the federal mortgage record shows about how Goldman Sachs Bank Usa treated New Jersey applicants, 2018–2025 — 278 reported decisions. This is historical behavior, not a prediction about your loan.
Share of 278 New Jersey applications Goldman Sachs Bank Usa approved vs. denied. Excludes loans it merely purchased on the secondary market, and applications withdrawn or left incomplete.
Approval rate by loan type
“NJ” = the statewide average approval rate for that loan type, for comparison.
Approval rate over time
Pricing
Adjusting for its loan-type mix, Goldman Sachs Bank Usa’s rates ran -0.40 pp lower than the typical New Jersey lender (average rate spread -0.17 pp above the market benchmark). Rate spread is APR minus the average prime offer rate; positive means costlier than the low-risk benchmark.
Who Goldman Sachs Bank Usa approves
Why Goldman Sachs Bank Usa denied applications
Where Goldman Sachs Bank Usa lends in NJ
| County | Decisions | Approval |
|---|---|---|
| Monmouth County | 49 | 100.0% |
| Ocean County | 36 | 94.4% |
| Cape May County | 31 | 100.0% |
| Essex County | 28 | 100.0% |
| Morris County | 26 | 100.0% |
Fees & closing costs
Median lender and third-party costs (the Loan Estimate’s “total loan costs”) on Goldman Sachs Bank Usa’s home-purchase originations — 1.36 points lower than the 1.93% New Jersey median. Excludes prepaid taxes/insurance and escrow deposits. Fees are reported on roughly two-thirds of originations (small lenders are exempt). Methodology →
Compare Goldman Sachs Bank Usa to other lenders for your profile
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Open the approval tool →Source: CFPB HMDA loan-level data, 2018–2025 · first-lien, closed-end mortgages on 1–4 family homes in New Jersey reported by Goldman Sachs Bank Usa (LEI KD3XUN7C6T14HNAYLU02). Rates describe past reported outcomes for the lender’s applicant pool and are not a prediction for any individual. Methodology →