Goldman Sachs Bank USA in Massachusetts vs the state
5.1%Denial rate-11.13 pts vs state
5.8%Decision denial rate-14.18 pts vs state
83.1%Origination rate+20.45 pts vs state
5.65%Median rate-0.97 pts vs state
-0.06Rate spread (pts)-0.15 pts vs state
$398kMedian applicant income
49Loans originated
3Denied
Trend in Massachusetts
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 54 | 46 | 1.9% | 5.50% | #302 |
| 2024 | 63 | 50 | 14.3% | 6.23% | #289 |
| 2025 | 59 | 49 | 5.1% | 5.65% | #303 |
What Goldman Sachs Bank USA lends in Massachusetts
By loan purpose
By loan type
Why it denied Massachusetts applicants
Where in Massachusetts
Counties with the most Goldman Sachs Bank USA applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Middlesex County | 20 | 18 | 0 | 0.0% |
| Suffolk County | 10 | 7 | 1 | 10.0% |
| Norfolk County | 8 | 6 | 1 | 12.5% |
| Essex County | 6 | 5 | 0 | 0.0% |
| Nantucket County | 5 | 5 | 0 | 0.0% |
| Dukes County | 5 | 5 | 0 | 0.0% |
| Bristol County | 2 | 1 | 1 | 50.0% |
| Barnstable County | 2 | 1 | 0 | 0.0% |
| Plymouth County | 1 | 1 | 0 | 0.0% |
Other large lenders in Massachusetts
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Citizens Bank | C | 17,476 | 29.0% | 7.40% |
| Rocket Mortgage | C | 8,698 | 15.9% | 6.75% |
| Bank of America | F | 7,784 | 30.1% | 5.99% |
| Guaranteed Rate | B | 7,313 | 4.5% | 6.50% |
| Eastern Bank | B | 6,216 | 31.8% | 6.99% |
| Rockland Trust | C | 5,990 | 28.6% | 6.99% |
| Leader Bank | A | 5,913 | 1.8% | 6.25% |
| United Shore Financial Services | B | 5,898 | 12.8% | 6.50% |
| Crosscountry Mortgage | B | 5,634 | 3.8% | 6.63% |
| TD Bank | D | 3,778 | 26.9% | 7.44% |
Frequently asked questions
Massachusetts: 59 applications in 2025, of which 49 were originated and 3 denied.
5.1% of all applications, or 5.8% of the applications it actually decided on. The Massachusetts statewide average across all lenders was 16.2%.
The median rate on loans Goldman Sachs Bank USA originated in Massachusetts in 2025 was 5.65%, against a statewide median of 6.63%.
About this data. Figures are Goldman Sachs Bank USA's own HMDA filing for properties located in Massachusetts, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology