Goldman Sachs Bank USA in Virginia vs the state
25.0%Denial rate+9.06 pts vs state
31.6%Decision denial rate+11.33 pts vs state
54.2%Origination rate-5.35 pts vs state
5.45%Median rate-1.17 pts vs state
-0.08Rate spread (pts)-0.30 pts vs state
$398kMedian applicant income
13Loans originated
6Denied
Trend in Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 23 | 18 | 13.0% | 5.50% | #457 |
| 2024 | 21 | 10 | 19.1% | 6.10% | #475 |
| 2025 | 24 | 13 | 25.0% | 5.45% | #472 |
What Goldman Sachs Bank USA lends in Virginia
By loan purpose
By loan type
Why it denied Virginia applicants
Where in Virginia
Counties with the most Goldman Sachs Bank USA applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Arlington County | 5 | 2 | 1 | 20.0% |
| Fairfax County | 4 | 4 | 0 | 0.0% |
| Alexandria city | 2 | 1 | 1 | 50.0% |
| Richmond city | 2 | 1 | 1 | 50.0% |
| Virginia Beach city | 2 | 2 | 0 | 0.0% |
| Albemarle County | 2 | 2 | 0 | 0.0% |
| Prince William County | 1 | 0 | 1 | 100.0% |
| Williamsburg city | 1 | 0 | 1 | 100.0% |
| Suffolk city | 1 | 0 | 0 | 0.0% |
| Rockingham County | 1 | 0 | 0 | 0.0% |
Other large lenders in Virginia
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Navy Federal Credit Union | D | 19,395 | 19.3% | 7.75% |
| Rocket Mortgage | C | 19,274 | 14.8% | 6.63% |
| United Shore Financial Services | B | 13,994 | 10.4% | 6.12% |
| Truist Bank | C | 11,838 | 31.6% | 6.49% |
| Mortgage Research Center | C | 9,000 | 16.7% | 6.25% |
| Pennymac Loan Services | C | 8,334 | 10.7% | 6.38% |
| Freedom Mortgage | B | 8,029 | 6.5% | 6.25% |
| Bank of America | F | 6,584 | 31.9% | 6.24% |
| Newrez | D | 6,390 | 16.4% | 6.38% |
| Movement Mortgage | A | 6,126 | 4.3% | 6.56% |
Frequently asked questions
Virginia: 24 applications in 2025, of which 13 were originated and 6 denied.
25.0% of all applications, or 31.6% of the applications it actually decided on. The Virginia statewide average across all lenders was 15.9%.
The median rate on loans Goldman Sachs Bank USA originated in Virginia in 2025 was 5.45%, against a statewide median of 6.63%.
About this data. Figures are Goldman Sachs Bank USA's own HMDA filing for properties located in Virginia, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology