Goldman Sachs Bank USA in Texas vs the state
22.8%Denial rate+3.39 pts vs state
29.3%Decision denial rate+4.41 pts vs state
55.0%Origination rate+0.15 pts vs state
5.65%Median rate-0.85 pts vs state
-0.04Rate spread (pts)-0.23 pts vs state
$459kMedian applicant income
82Loans originated
34Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 92 | 67 | 10.9% | 5.35% | #571 |
| 2024 | 173 | 65 | 37.6% | 6.25% | #434 |
| 2025 | 149 | 82 | 22.8% | 5.65% | #476 |
What Goldman Sachs Bank USA lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Goldman Sachs Bank USA applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Dallas County | 47 | 31 | 9 | 19.1% |
| Harris County | 29 | 12 | 11 | 37.9% |
| Tarrant County | 14 | 8 | 3 | 21.4% |
| Travis County | 11 | 8 | 2 | 18.2% |
| Denton County | 8 | 6 | 0 | 0.0% |
| Bexar County | 6 | 1 | 3 | 50.0% |
| Collin County | 6 | 3 | 0 | 0.0% |
| Montgomery County | 3 | 3 | 0 | 0.0% |
| Galveston County | 3 | 1 | 0 | 0.0% |
| Hays County | 2 | 2 | 0 | 0.0% |
Other large lenders in Texas
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 56,491 | 11.0% | 6.25% |
| Rocket Mortgage | C | 45,658 | 22.4% | 6.63% |
| 21st Mortgage | F | 37,961 | 45.9% | 9.94% |
| Dhi Mortgage Company | B | 26,348 | 13.5% | 4.50% |
| Lennar Mortgage | A | 21,959 | 20.5% | 4.50% |
| Bank of America | F | 18,008 | 43.0% | 6.24% |
| JPMorgan Chase Bank | B | 16,260 | 9.8% | 6.45% |
| CMG Mortgage | A | 15,978 | 3.9% | 6.50% |
| Vanderbilt Mortgage and Finance | F | 15,683 | 44.7% | 10.50% |
| Triad Financial Services | D | 15,158 | 50.0% | 9.35% |
Frequently asked questions
Texas: 149 applications in 2025, of which 82 were originated and 34 denied.
22.8% of all applications, or 29.3% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Goldman Sachs Bank USA originated in Texas in 2025 was 5.65%, against a statewide median of 6.50%.
About this data. Figures are Goldman Sachs Bank USA's own HMDA filing for properties located in Texas, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology