Applications / Mortgage Analytics / Lenders / New York / Goldman Sachs Bank USA
New York, NY · State member bank · FRS · $645 billion assets · 1,015 loans in 2025
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1,015
loans originated, 2025
1,637
applications, 2025
47
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Goldman Sachs Bank USA lends mostly jumbo loans (larger than the conforming limit), with a typical loan of $1.6 million, and its originations rose 38% in 2025, faster than about nine in ten similar banks.
Its typical loan was $1.6 million, against $205,000 at similar lenders (state member banks making between half and twice as many loans). Jumbo loans were 73.5% of its lending, against 2.0%. Its loans came to $2.92 billion, against $290.4 million for the typical peer.
Originations rose 38% to 1,015 from 734, against 7% for the typical peer, faster than about nine in ten of them. Its dollar total fell to $2.92 billion from $3.03 billion. Originations remain below the 2,569 of 2020.
Its main state is California. It ranked 75 of 757 lenders in Los Angeles-Long Beach-Anaheim, 49 of 606 in San Francisco-Oakland-Fremont, 43 of 892 in Atlanta and 103 of 802 in New York-Newark-Jersey City.
Low- and moderate-income (LMI) borrowers took 8.1% of its loans, against 28.1% at peers, and LMI areas 2.7%, against 15.3%, the lowest among them. Its very large loans, which suit borrowers with high incomes, are a possible reason. Majority-minority areas took 7.4%, near peers' 7.2%. Its typical rate, 5.60%, was lower than peers' 6.81%, and none of its loans were higher-priced (a rate well above the average for similar loans).
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Goldman Sachs Bank USA took 1,637 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 47.1% · Refinance 30.6% · Other 22.3%
Conventional 100.0% · of 1,015 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| California | 220 | 21.7% |
| New York | 91 | 9.0% |
| Florida | 83 | 8.2% |
| Texas | 82 | 8.1% |
| Illinois | 62 | 6.1% |
| Massachusetts | 49 | 4.8% |
| Colorado | 33 | 3.3% |
| Utah | 31 | 3.1% |
| Washington | 30 | 3.0% |
| New Jersey | 25 | 2.5% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| New York-Jersey City-White Plains | 72 |
| Chicago-Naperville-Schaumburg | 53 |
| Los Angeles-Long Beach-Glendale | 44 |
| Dallas-Plano-Irving | 41 |
| San Francisco-San Mateo-Redwood City | 41 |
| Anaheim-Santa Ana-Irvine | 34 |
| Seattle-Bellevue-Kent | 26 |
| Cambridge-Newton-Framingham | 23 |
| West Palm Beach-Boca Raton-Delray Beach | 22 |
| Phoenix-Mesa-Chandler | 19 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | KD3XUN7C6T14HNAYLU02 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 2182786 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 92182786 | 2011–2017 |
Established 30 August 1990. Reported under HMDA 2011-2025.
Mergers, name changes, data editions and corrections: Goldman Sachs Bank USA's data.
Goldman Sachs Bank USA's data
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Goldman Sachs Bank USA and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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