Goldman Sachs Bank USA in California vs the state
9.7%Denial rate-7.75 pts vs state
11.3%Decision denial rate-11.07 pts vs state
73.3%Origination rate+17.13 pts vs state
5.45%Median rate-1.17 pts vs state
-0.10Rate spread (pts)-0.37 pts vs state
$569kMedian applicant income
220Loans originated
29Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 158 | 123 | 10.1% | 5.35% | #366 |
| 2024 | 226 | 149 | 12.0% | 6.15% | #334 |
| 2025 | 300 | 220 | 9.7% | 5.45% | #317 |
What Goldman Sachs Bank USA lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Goldman Sachs Bank USA applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 77 | 44 | 13 | 16.9% |
| Orange County | 40 | 34 | 0 | 0.0% |
| San Francisco County | 31 | 22 | 2 | 6.5% |
| San Mateo County | 22 | 19 | 1 | 4.5% |
| San Diego County | 21 | 12 | 2 | 9.5% |
| Santa Clara County | 20 | 16 | 2 | 10.0% |
| Contra Costa County | 16 | 14 | 0 | 0.0% |
| Marin County | 11 | 11 | 0 | 0.0% |
| Riverside County | 11 | 11 | 0 | 0.0% |
| Placer County | 10 | 10 | 0 | 0.0% |
Other large lenders in California
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 79,261 | 12.6% | 6.49% |
| Rocket Mortgage | C | 58,925 | 17.6% | 6.75% |
| Bank of America | F | 40,190 | 30.8% | 5.99% |
| U.S. Bank | D | 32,493 | 31.6% | 6.50% |
| JPMorgan Chase Bank | B | 22,048 | 9.7% | 6.13% |
| Spring Eq | D | 21,601 | 50.8% | 8.88% |
| Schoolsfirst | A | 19,086 | 10.0% | 6.25% |
| Pennymac Loan Services | C | 18,754 | 13.5% | 6.50% |
| Newrez | D | 17,000 | 19.3% | 6.63% |
| Loandepot.Com | D | 16,645 | 18.7% | 6.63% |
Frequently asked questions
California: 300 applications in 2025, of which 220 were originated and 29 denied.
9.7% of all applications, or 11.3% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Goldman Sachs Bank USA originated in California in 2025 was 5.45%, against a statewide median of 6.63%.
About this data. Figures are Goldman Sachs Bank USA's own HMDA filing for properties located in California, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology