Goldman Sachs Bank USA in Utah vs the state
7.7%Denial rate-8.27 pts vs state
8.6%Decision denial rate-10.61 pts vs state
79.5%Origination rate+16.25 pts vs state
5.65%Median rate-0.97 pts vs state
-0.11Rate spread (pts)-0.35 pts vs state
$460kMedian applicant income
31Loans originated
3Denied
Trend in Utah
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 25 | 22 | 4.0% | 5.53% | #188 |
| 2024 | 19 | 13 | 5.3% | 6.25% | #228 |
| 2025 | 39 | 31 | 7.7% | 5.65% | #192 |
What Goldman Sachs Bank USA lends in Utah
By loan purpose
By loan type
Why it denied Utah applicants
Where in Utah
Counties with the most Goldman Sachs Bank USA applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Summit County | 15 | 12 | 0 | 0.0% |
| Salt Lake County | 13 | 11 | 2 | 15.4% |
| Wasatch County | 5 | 4 | 0 | 0.0% |
| Utah County | 2 | 1 | 0 | 0.0% |
| Washington County | 2 | 2 | 0 | 0.0% |
| Weber County | 1 | 1 | 0 | 0.0% |
| Davis County | 1 | 0 | 1 | 100.0% |
Other large lenders in Utah
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| AMERICA FIRST Federal Credit Union | C | 16,303 | 18.3% | 6.99% |
| Mountain America Federal Credit Union | D | 15,401 | 36.5% | 7.24% |
| United Shore Financial Services | B | 11,325 | 8.5% | 6.25% |
| Rocket Mortgage | C | 6,276 | 14.6% | 6.63% |
| Guild Mortgage | A | 5,427 | 1.5% | 6.50% |
| Intercap Lending | A | 4,881 | 0.7% | 6.50% |
| Goldenwest | B | 4,794 | 17.6% | 7.50% |
| First Colony Mortgage | A | 3,499 | 2.1% | 6.38% |
| Kind Lending | C | 3,227 | 20.3% | 6.50% |
| Zions Bancorporation | B | 3,013 | 22.9% | 6.49% |
Frequently asked questions
Utah: 39 applications in 2025, of which 31 were originated and 3 denied.
7.7% of all applications, or 8.6% of the applications it actually decided on. The Utah statewide average across all lenders was 16.0%.
The median rate on loans Goldman Sachs Bank USA originated in Utah in 2025 was 5.65%, against a statewide median of 6.63%.
About this data. Figures are Goldman Sachs Bank USA's own HMDA filing for properties located in Utah, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology