Goldman Sachs Bank USA in New Jersey vs the state
21.7%Denial rate+4.05 pts vs state
27.8%Decision denial rate+4.73 pts vs state
54.4%Origination rate-1.33 pts vs state
5.70%Median rate-1.05 pts vs state
-0.09Rate spread (pts)-0.37 pts vs state
$438kMedian applicant income
25Loans originated
10Denied
Trend in New Jersey
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 37 | 26 | 13.5% | 5.73% | #371 |
| 2024 | 43 | 22 | 32.6% | 6.25% | #359 |
| 2025 | 46 | 25 | 21.7% | 5.70% | #373 |
What Goldman Sachs Bank USA lends in New Jersey
By loan purpose
By loan type
Why it denied New Jersey applicants
Where in New Jersey
Counties with the most Goldman Sachs Bank USA applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Hudson County | 8 | 2 | 5 | 62.5% |
| Essex County | 8 | 3 | 4 | 50.0% |
| Monmouth County | 8 | 4 | 0 | 0.0% |
| Ocean County | 6 | 5 | 0 | 0.0% |
| Mercer County | 3 | 1 | 0 | 0.0% |
| Cape May County | 3 | 3 | 0 | 0.0% |
| Atlantic County | 2 | 1 | 0 | 0.0% |
| Union County | 2 | 1 | 0 | 0.0% |
| Somerset County | 2 | 1 | 1 | 50.0% |
| Bergen County | 1 | 1 | 0 | 0.0% |
Other large lenders in New Jersey
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 16,339 | 16.1% | 6.75% |
| TD Bank | D | 12,532 | 26.2% | 7.49% |
| Bank of America | F | 12,142 | 30.6% | 6.00% |
| Citizens Bank | C | 12,113 | 28.9% | 7.40% |
| Crosscountry Mortgage | B | 12,042 | 5.3% | 6.75% |
| PNC Bank | D | 10,815 | 27.8% | 7.75% |
| United Shore Financial Services | B | 10,552 | 15.3% | 6.38% |
| Guaranteed Rate | B | 8,643 | 5.5% | 6.58% |
| Newrez | D | 6,535 | 22.5% | 6.99% |
| Loandepot.Com | D | 6,491 | 15.3% | 6.63% |
Frequently asked questions
New Jersey: 46 applications in 2025, of which 25 were originated and 10 denied.
21.7% of all applications, or 27.8% of the applications it actually decided on. The New Jersey statewide average across all lenders was 17.7%.
The median rate on loans Goldman Sachs Bank USA originated in New Jersey in 2025 was 5.70%, against a statewide median of 6.75%.
About this data. Figures are Goldman Sachs Bank USA's own HMDA filing for properties located in New Jersey, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology