Goldman Sachs Bank USA in Georgia vs the state
30.2%Denial rate+11.01 pts vs state
37.1%Decision denial rate+12.07 pts vs state
48.8%Origination rate-5.25 pts vs state
5.75%Median rate-0.88 pts vs state
-0.05Rate spread (pts)-0.32 pts vs state
$532kMedian applicant income
21Loans originated
13Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 26 | 15 | 15.4% | 5.75% | #516 |
| 2024 | 39 | 16 | 38.5% | 6.30% | #462 |
| 2025 | 43 | 21 | 30.2% | 5.75% | #461 |
What Goldman Sachs Bank USA lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most Goldman Sachs Bank USA applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fulton County | 14 | 6 | 5 | 35.7% |
| Cobb County | 5 | 4 | 1 | 20.0% |
| DeKalb County | 4 | 2 | 0 | 0.0% |
| Newton County | 3 | 1 | 1 | 33.3% |
| Greene County | 3 | 3 | 0 | 0.0% |
| Columbia County | 2 | 0 | 0 | 0.0% |
| Glynn County | 2 | 2 | 0 | 0.0% |
| Richmond County | 1 | 0 | 1 | 100.0% |
| Putnam County | 1 | 1 | 0 | 0.0% |
| Gwinnett County | 1 | 0 | 1 | 100.0% |
Other large lenders in Georgia
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 29,845 | 18.2% | 6.63% |
| United Shore Financial Services | B | 23,784 | 12.6% | 6.25% |
| Navy Federal Credit Union | D | 12,388 | 26.4% | 7.95% |
| Truist Bank | C | 10,563 | 38.7% | 6.49% |
| Pennymac Loan Services | C | 10,273 | 11.6% | 6.49% |
| Broker Solutions | D | 9,709 | 8.6% | 6.63% |
| Mortgage Research Center | C | 9,443 | 19.8% | 6.25% |
| Freedom Mortgage | B | 9,293 | 9.1% | 6.25% |
| Bank of America | F | 9,168 | 36.5% | 6.24% |
| Ameris Bank | B | 8,065 | 10.1% | 6.50% |
Frequently asked questions
Georgia: 43 applications in 2025, of which 21 were originated and 13 denied.
30.2% of all applications, or 37.1% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans Goldman Sachs Bank USA originated in Georgia in 2025 was 5.75%, against a statewide median of 6.63%.
About this data. Figures are Goldman Sachs Bank USA's own HMDA filing for properties located in Georgia, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology