Goldman Sachs Bank USA in New York vs the state
28.0%Denial rate+8.25 pts vs state
39.4%Decision denial rate+15.34 pts vs state
40.4%Origination rate-19.15 pts vs state
5.66%Median rate-0.97 pts vs state
-0.07Rate spread (pts)-0.28 pts vs state
$676kMedian applicant income
91Loans originated
63Denied
Trend in New York
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 121 | 68 | 24.0% | 5.40% | #247 |
| 2024 | 155 | 68 | 36.8% | 6.30% | #220 |
| 2025 | 225 | 91 | 28.0% | 5.66% | #196 |
What Goldman Sachs Bank USA lends in New York
By loan purpose
By loan type
Why it denied New York applicants
Where in New York
Counties with the most Goldman Sachs Bank USA applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| New York County | 101 | 42 | 23 | 22.8% |
| Kings County | 55 | 13 | 22 | 40.0% |
| Westchester County | 17 | 13 | 4 | 23.5% |
| Suffolk County | 16 | 12 | 2 | 12.5% |
| Queens County | 9 | 0 | 5 | 55.6% |
| Bronx County | 8 | 0 | 4 | 50.0% |
| Ulster County | 4 | 2 | 1 | 25.0% |
| Nassau County | 4 | 1 | 1 | 25.0% |
| Orange County | 3 | 2 | 0 | 0.0% |
| Rockland County | 2 | 1 | 1 | 50.0% |
Other large lenders in New York
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Citizens Bank | C | 20,315 | 32.7% | 7.97% |
| Rocket Mortgage | C | 19,924 | 22.0% | 6.88% |
| United Shore Financial Services | B | 14,777 | 11.2% | 6.50% |
| JPMorgan Chase Bank | B | 14,735 | 11.7% | 6.38% |
| Manufacturers and Traders Trust | C | 12,335 | 31.3% | 5.99% |
| Bank of America | F | 10,193 | 35.7% | 5.99% |
| Bethpage Federal Credit Union | C | 9,736 | 47.2% | 6.49% |
| TD Bank | D | 9,239 | 30.2% | 7.69% |
| Newrez | D | 8,654 | 24.2% | 6.75% |
| ESL Federal Credit Union | B | 7,817 | 17.6% | 4.50% |
Frequently asked questions
New York: 225 applications in 2025, of which 91 were originated and 63 denied.
28.0% of all applications, or 39.4% of the applications it actually decided on. The New York statewide average across all lenders was 19.8%.
The median rate on loans Goldman Sachs Bank USA originated in New York in 2025 was 5.66%, against a statewide median of 6.63%.
About this data. Figures are Goldman Sachs Bank USA's own HMDA filing for properties located in New York, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology