Goldman Sachs Bank USA in Pennsylvania vs the state
38.1%Denial rate+19.81 pts vs state
40.0%Decision denial rate+17.79 pts vs state
57.1%Origination rate-3.82 pts vs state
5.50%Median rate-1.13 pts vs state
-0.12Rate spread (pts)-0.36 pts vs state
$380kMedian applicant income
12Loans originated
8Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 28 | 18 | 21.4% | 5.53% | #553 |
| 2024 | 22 | 12 | 31.8% | 6.35% | #598 |
| 2025 | 21 | 12 | 38.1% | 5.50% | #594 |
What Goldman Sachs Bank USA lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most Goldman Sachs Bank USA applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Philadelphia County | 6 | 0 | 5 | 83.3% |
| Delaware County | 5 | 5 | 0 | 0.0% |
| Bucks County | 4 | 4 | 0 | 0.0% |
| Montgomery County | 2 | 1 | 1 | 50.0% |
| Chester County | 1 | 0 | 1 | 100.0% |
| Northampton County | 1 | 1 | 0 | 0.0% |
| Berks County | 1 | 0 | 1 | 100.0% |
| Washington County | 1 | 1 | 0 | 0.0% |
Other large lenders in Pennsylvania
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 22,411 | 18.6% | 6.75% |
| Citizens Bank | C | 18,256 | 28.1% | 7.65% |
| PNC Bank | D | 18,031 | 20.6% | 6.88% |
| United Shore Financial Services | B | 13,178 | 13.4% | 6.47% |
| Crosscountry Mortgage | B | 11,615 | 3.3% | 6.63% |
| Members 1st | B | 10,863 | 30.9% | 1.99% |
| First National Bank of Pennsylvania | B | 9,542 | 27.8% | 6.49% |
| Police & Fire | C | 8,460 | 34.6% | 6.25% |
| PENNSYLVANIA STATE EMPLOYEES Credit Union | C | 8,308 | 13.7% | 6.64% |
| Pennymac Loan Services | C | 7,900 | 12.6% | 6.50% |
Frequently asked questions
Pennsylvania: 21 applications in 2025, of which 12 were originated and 8 denied.
38.1% of all applications, or 40.0% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans Goldman Sachs Bank USA originated in Pennsylvania in 2025 was 5.50%, against a statewide median of 6.63%.
About this data. Figures are Goldman Sachs Bank USA's own HMDA filing for properties located in Pennsylvania, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology