Goldman Sachs Bank USA Mortgage Lending & HMDA Data, 2010
In 2010, Goldman Sachs Bank USA of New York, NY reported 486 mortgage applications totaling $661.2 million, up 60% from 2009. The average application was for $1,360,512, and applicants reported an average income of $457,456. 52% of its applications resulted in an originated loan and 14% were denied. Its largest markets were New York-White Plains-Wayne, NY-NJ (103), San Francisco-San Mateo-Redwood City, CA (29) and Los Angeles-Long Beach-Glendale, CA (28) (applications in parentheses).
| Mortgage Company & Address | Goldman Sachs Bank USA 200 West Street New York, NY 10282 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2010 2009 2008 |
| Total Number of Mortgage Applications | 486 |
| Total Mortgage Loan Application Amount | $661,209,000 |
| Average Mortgage Loan Application Amount | $1,360,512 |
| Highest Mortgage Loan Application Amount | $12,000,000 |
| Average Applicant Income | $457,456 |
| Highest Applicant Income | $9,999,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Goldman Sachs Bank USA filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| New York-White Plains-Wayne, NY-NJ | 103 | $ 134,826,000 | $ 1,308,990 | $ 266,407 |
| San Francisco-San Mateo-Redwood City, CA | 29 | $ 41,844,000 | $ 1,442,896 | $ 454,000 |
| Los Angeles-Long Beach-Glendale, CA | 28 | $ 42,676,000 | $ 1,524,142 | $ 556,000 |
| Dallas-Plano-Irving, TX | 23 | $ 20,068,000 | $ 872,521 | $ 144,000 |
| Nassau-Suffolk, NY | 22 | $ 36,273,000 | $ 1,648,772 | $ 842,000 |
| Chicago-Joliet-Naperville, IL | 18 | $ 23,859,000 | $ 1,325,500 | $ 570,000 |
| Bridgeport-Stamford-Norwalk, CT | 15 | $ 29,402,000 | $ 1,960,133 | $ 342,000 |
| Oakland-Fremont-Hayward, CA | 15 | $ 23,784,000 | $ 1,585,600 | $ 320,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 14 | $ 12,424,000 | $ 887,428 | $ 532,714 |
| San Diego-Carlsbad-San Marcos, CA | 11 | $ 16,166,000 | $ 1,469,636 | $ 1,168,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 11 | $ 13,511,000 | $ 1,228,272 | $ 559,000 |
| Houston-Sugar Land-Baytown, TX | 10 | $ 10,348,000 | $ 1,034,800 | $ 472,000 |
| Newark-Union, NJ-PA | 9 | $ 9,465,000 | $ 1,051,666 | $ 225,000 |
| Atlanta-Sandy Springs-Marietta, GA | 8 | $ 10,257,000 | $ 1,282,125 | $ 310,000 |
| Miami-Miami Beach-Kendall, FL | 8 | $ 12,664,000 | $ 1,583,000 | $ 181,000 |
| Seattle-Bellevue-Everett, WA | 8 | $ 10,540,000 | $ 1,317,500 | $ 358,000 |
| Philadelphia, PA | 7 | $ 11,022,000 | $ 1,574,571 | $ 632,000 |
| Boston-Quincy, MA | 6 | $ 14,079,000 | $ 2,346,500 | $ 309,000 |
| Santa Ana-Anaheim-Irvine, CA | 6 | $ 6,438,000 | $ 1,073,000 | $ 1,084,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 6 | $ 8,143,000 | $ 1,357,166 | $ 541,000 |
| Charleston-North Charleston-Summerville, SC | 4 | $ 4,511,000 | $ 1,127,750 | $ 1,274,000 |
| Cincinnati-Middletown, OH-KY-IN | 4 | $ 4,010,000 | $ 1,002,500 | $ 404,000 |
| Edison-New Brunswick, NJ | 4 | $ 2,912,000 | $ 728,000 | $ 64,000 |
| Naples-Marco Island, FL | 4 | $ 4,110,000 | $ 1,027,500 | $ 673,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 4 | $ 6,729,000 | $ 1,682,250 | $ 347,000 |
| Oklahoma City, OK | 4 | $ 5,125,000 | $ 1,281,250 | $ 723,000 |
| Austin-Round Rock-San Marcos, TX | 3 | $ 3,538,000 | $ 1,179,333 | $ 344,000 |
| Cambridge-Newton-Framingham, MA | 3 | $ 4,700,000 | $ 1,566,666 | $ 354,000 |
| Lake County-Kenosha County, IL-WI | 3 | $ 5,744,000 | $ 1,914,666 | $ 377,000 |
| Phoenix-Mesa-Glendale, AZ | 3 | $ 3,862,000 | $ 1,287,333 | $ 148,000 |
| Providence-New Bedford-Fall River, RI-MA | 3 | $ 4,766,000 | $ 1,588,666 | $ 181,333 |
| Raleigh-Cary, NC | 3 | $ 2,651,000 | $ 883,666 | $ 379,000 |
| Bethesda-Rockville-Frederick, MD | 2 | $ 4,756,000 | $ 2,378,000 | $ 780,000 |
| Brunswick, GA | 2 | $ 1,520,000 | $ 760,000 | $ 162,000 |
| Cleveland-Elyria-Mentor, OH | 2 | $ 1,250,000 | $ 625,000 | $ 512,000 |
| Denver-Aurora-Broomfield, CO | 2 | $ 2,162,000 | $ 1,081,000 | $ 258,000 |
| Durham-Chapel Hill, NC | 2 | $ 2,200,000 | $ 1,100,000 | $ 511,000 |
| Fort Worth-Arlington, TX | 2 | $ 1,287,000 | $ 643,500 | $ 552,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 2 | $ 2,414,000 | $ 1,207,000 | $ 363,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 2 | $ 2,777,000 | $ 1,388,500 | $ 570,000 |
| Pensacola-Ferry Pass-Brent, FL | 2 | $ 754,000 | $ 377,000 | $ 150,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 2 | $ 699,000 | $ 349,500 | $ 221,000 |
| Salt Lake City, UT | 2 | $ 2,272,000 | $ 1,136,000 | $ 0 |
| Santa Barbara-Santa Maria-Goleta, CA | 2 | $ 2,420,000 | $ 1,210,000 | $ 456,000 |
| Sebastian-Vero Beach, FL | 2 | $ 1,569,000 | $ 784,500 | $ 892,000 |
| Trenton-Ewing, NJ | 2 | $ 2,077,000 | $ 1,038,500 | $ 703,000 |
| Tulsa, OK | 2 | $ 2,219,000 | $ 1,109,500 | $ 257,000 |
| Atlantic City-Hammonton, NJ | 1 | $ 930,000 | $ 930,000 | $ 2,203,000 |
| Boulder, CO | 1 | $ 944,000 | $ 944,000 | $ 0 |
| Cape Coral-Fort Myers, FL | 1 | $ 520,000 | $ 520,000 | $ 285,000 |
| Davenport-Moline-Rock Island, IA-IL | 1 | $ 532,000 | $ 532,000 | $ 136,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 1 | $ 1,400,000 | $ 1,400,000 | $ 550,000 |
| Hartford-West Hartford-East Hartford, CT | 1 | $ 700,000 | $ 700,000 | $ 445,000 |
| Honolulu, HI | 1 | $ 713,000 | $ 713,000 | $ 55,000 |
| Indianapolis-Carmel, IN | 1 | $ 1,499,000 | $ 1,499,000 | $ 900,000 |
| Jacksonville, FL | 1 | $ 1,200,000 | $ 1,200,000 | $ 823,000 |
| Kalamazoo-Portage, MI | 1 | $ 1,056,000 | $ 1,056,000 | $ 428,000 |
| Kansas City, MO-KS | 1 | $ 1,100,000 | $ 1,100,000 | $ 936,000 |
| Lexington-Fayette, KY | 1 | $ 1,151,000 | $ 1,151,000 | $ 608,000 |
| Medford, OR | 1 | $ 1,000,000 | $ 1,000,000 | $ 3,913,000 |
| Montgomery, AL | 1 | $ 800,000 | $ 800,000 | $ 467,000 |
| Ocean City, NJ | 1 | $ 713,000 | $ 713,000 | $ 978,000 |
| Orlando-Kissimmee-Sanford, FL | 1 | $ 750,000 | $ 750,000 | $ 270,000 |
| Peabody, MA | 1 | $ 450,000 | $ 450,000 | $ 71,000 |
| Port St. Lucie, FL | 1 | $ 500,000 | $ 500,000 | $ 377,000 |
| Reno-Sparks, NV | 1 | $ 546,000 | $ 546,000 | $ 634,000 |
| Salinas, CA | 1 | $ 2,000,000 | $ 2,000,000 | $ 0 |
| Santa Cruz-Watsonville, CA | 1 | $ 746,000 | $ 746,000 | $ 265,000 |
| Santa Fe, NM | 1 | $ 800,000 | $ 800,000 | $ 218,000 |
| Tucson, AZ | 1 | $ 553,000 | $ 553,000 | $ 0 |
| Wilmington, DE-MD-NJ | 1 | $ 1,019,000 | $ 1,019,000 | $ 205,000 |
Mortgage Loan Application Detail Totals for Goldman Sachs Bank USA in 2010
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Refinancing | 304 | $418,680,000 | $1,377,000 | $12,000,000 | $471,000 | $9,999,000 |
| Home Purchase | 176 | $236,291,000 | $1,342,000 | $7,210,000 | $435,000 | $9,945,000 |
| Home Improvement | 6 | $6,238,000 | $1,039,000 | $1,838,000 | $430,000 | $1,320,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 393 | $530,123,000 | $1,348,000 | $8,000,000 | $442,000 | $9,999,000 |
| Not Provided | 39 | $56,341,000 | $1,444,000 | $5,075,000 | $695,000 | $9,999,000 |
| Asian | 23 | $23,829,000 | $1,036,000 | $3,500,000 | $406,000 | $4,747,000 |
| Black or African American | 11 | $15,408,000 | $1,400,000 | $2,000,000 | $766,000 | $1,322,000 |
| Hispanic | 11 | $11,640,000 | $1,058,000 | $2,212,000 | $266,000 | $906,000 |
| Not applicable | 6 | $22,000,000 | $3,666,000 | $12,000,000 | $0 | $0 |
| American Indian or Alaskan Native | 3 | $1,868,000 | $622,000 | $973,000 | $225,000 | $445,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 486 | $661,209,000 | $1,360,000 | $12,000,000 | $457,000 | $9,999,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 254 | $348,628,000 | $1,372,000 | $8,000,000 | $422,000 | $9,999,000 |
| Loan Purchased By The Institution | 112 | $139,058,000 | $1,241,000 | $12,000,000 | $496,000 | $9,945,000 |
| Application Denied By Financial Institution | 68 | $97,879,000 | $1,439,000 | $5,100,000 | $342,000 | $1,448,000 |
| Application Approved But Not Accepted | 52 | $75,644,000 | $1,454,000 | $4,925,000 | $700,000 | $8,533,000 |
| Application Withdrawn By Applicant | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Collateral | 39 | $53,657,000 | $1,375,000 | $5,075,000 | $405,000 | $1,415,000 |
| Other | 14 | $29,084,000 | $2,077,000 | $5,100,000 | $317,000 | $1,448,000 |
| Debt-To-Income Ratio | 8 | $10,253,000 | $1,281,000 | $2,184,000 | $164,000 | $428,000 |
| Credit History | 3 | $2,132,000 | $710,000 | $1,520,000 | $297,000 | $893,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $953,000 | $476,000 | $536,000 | $0 | $0 |
| Credit Application Incomplete | 1 | $1,000,000 | $1,000,000 | $1,000,000 | $323,000 | $323,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Goldman Sachs Bank USA's 2010 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Goldman Sachs Bank USA's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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