Goldman Sachs Bank USA in Tennessee vs the state
33.3%Denial rate+16.19 pts vs state
37.0%Decision denial rate+15.36 pts vs state
56.7%Origination rate-1.41 pts vs state
5.65%Median rate-0.97 pts vs state
-0.11Rate spread (pts)-0.34 pts vs state
$351kMedian applicant income
17Loans originated
10Denied
Trend in Tennessee
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 15 | 8 | 26.7% | 5.45% | #544 |
| 2024 | 10 | 6 | 20.0% | 6.75% | #605 |
| 2025 | 30 | 17 | 33.3% | 5.65% | #481 |
What Goldman Sachs Bank USA lends in Tennessee
By loan purpose
By loan type
Why it denied Tennessee applicants
Where in Tennessee
Counties with the most Goldman Sachs Bank USA applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Davidson County | 16 | 10 | 5 | 31.3% |
| Williamson County | 5 | 4 | 0 | 0.0% |
| Shelby County | 3 | 0 | 3 | 100.0% |
| Montgomery County | 3 | 1 | 2 | 66.7% |
| Hamilton County | 2 | 2 | 0 | 0.0% |
| Knox County | 1 | 0 | 0 | 0.0% |
Other large lenders in Tennessee
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 16,503 | 17.3% | 6.50% |
| United Shore Financial Services | B | 12,458 | 10.9% | 6.12% |
| Regions Bank | C | 11,247 | 36.5% | 4.99% |
| Vanderbilt Mortgage and Finance | F | 9,649 | 35.8% | 8.75% |
| Mortgage Research Center | C | 6,568 | 17.3% | 6.25% |
| FirstBank | C | 5,677 | 14.5% | 6.88% |
| CMG Mortgage | A | 5,643 | 2.9% | 6.50% |
| Freedom Mortgage | B | 5,493 | 8.0% | 6.25% |
| Pennymac Loan Services | C | 5,331 | 11.2% | 6.00% |
| Mortgage Investors Group | B | 4,454 | 3.5% | 6.50% |
Frequently asked questions
Tennessee: 30 applications in 2025, of which 17 were originated and 10 denied.
33.3% of all applications, or 37.0% of the applications it actually decided on. The Tennessee statewide average across all lenders was 17.1%.
The median rate on loans Goldman Sachs Bank USA originated in Tennessee in 2025 was 5.65%, against a statewide median of 6.62%.
About this data. Figures are Goldman Sachs Bank USA's own HMDA filing for properties located in Tennessee, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology