Goldman Sachs Bank USA in North Carolina vs the state
31.3%Denial rate+13.19 pts vs state
40.5%Decision denial rate+17.72 pts vs state
41.7%Origination rate-16.14 pts vs state
5.73%Median rate-0.78 pts vs state
-0.04Rate spread (pts)-0.13 pts vs state
$562kMedian applicant income
20Loans originated
15Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 24 | 19 | 8.3% | 5.80% | #473 |
| 2024 | 34 | 14 | 29.4% | 6.30% | #432 |
| 2025 | 48 | 20 | 31.3% | 5.73% | #406 |
What Goldman Sachs Bank USA lends in North Carolina
By loan purpose
By loan type
Why it denied North Carolina applicants
Where in North Carolina
Counties with the most Goldman Sachs Bank USA applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Mecklenburg County | 22 | 10 | 6 | 27.3% |
| Wake County | 6 | 0 | 4 | 66.7% |
| New Hanover County | 4 | 4 | 0 | 0.0% |
| Cumberland County | 3 | 0 | 2 | 66.7% |
| Buncombe County | 3 | 2 | 0 | 0.0% |
| Catawba County | 2 | 1 | 1 | 50.0% |
| Granville County | 1 | 0 | 0 | 0.0% |
| Brunswick County | 1 | 1 | 0 | 0.0% |
| Durham County | 1 | 0 | 1 | 100.0% |
| Franklin County | 1 | 0 | 0 | 0.0% |
Other large lenders in North Carolina
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| State Employees' | C | 47,893 | 25.2% | 6.25% |
| Rocket Mortgage | C | 25,109 | 16.0% | 6.63% |
| United Shore Financial Services | B | 18,884 | 11.4% | 6.13% |
| Vanderbilt Mortgage and Finance | F | 15,008 | 38.0% | 7.75% |
| Truist Bank | C | 14,364 | 30.3% | 6.50% |
| Movement Mortgage | A | 11,091 | 2.6% | 6.63% |
| Navy Federal Credit Union | D | 10,565 | 19.4% | 7.13% |
| First-Citizens Bank & Trust | B | 10,319 | 19.6% | 6.38% |
| Bank of America | F | 10,276 | 28.2% | 6.24% |
| Mortgage Research Center | C | 10,029 | 17.7% | 6.25% |
Frequently asked questions
North Carolina: 48 applications in 2025, of which 20 were originated and 15 denied.
31.3% of all applications, or 40.5% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans Goldman Sachs Bank USA originated in North Carolina in 2025 was 5.73%, against a statewide median of 6.50%.
About this data. Figures are Goldman Sachs Bank USA's own HMDA filing for properties located in North Carolina, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology