Lenders › Goldman Sachs Bank USA › Texas
Goldman Sachs Bank USA in Texas
HMDA record for properties in Texas, calendar year 2024. National record · Texas overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
In Texas, Goldman Sachs Bank USA reported 173 applications and 65 originations for 2024, $214m in all.
Its denial rate in the state was 49.2%, above the Texas rate of 26.0% across all lenders and compared with the lender's national rate of 32.8%.
The median rate spread on its Texas originations was 0.1 percentage points (state median 0.2).
Applications in the state were up 88% on 2023.
Compared with the state and the lender's national record
| Measure | In Texas | Texas, all lenders | Goldman Sachs Bank USA, all states | United States |
|---|---|---|---|---|
| Denial rate | 49.2% | 26.0% | 32.8% | 24.3% |
| Median rate spread, pp | 0.1 | 0.2 | 0.0 | 0.3 |
| Originations with spread of 1.5 pp or more | 0.0% | 11.8% | 0.0% | 15.6% |
| Average originated loan | $3.3m | $350k | $4.1m | $329k |
| Home purchase share | 76.9% | 72.8% | 55.4% | 57.0% |
| FHA-insured share | 0.0% | 19.8% | 0.0% | 13.4% |
| VA-guaranteed share | 0.0% | 10.4% | 0.0% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateTexas, all lenders
Loan purpose and loan type in Texas
By purpose
Home purchase 77% (50)Refinancing 17% (11)Other purpose 6% (4)
By type
Conventional 100% (65)
Denial reasons as coded
Share of 65 denials in Texas by first denial reason coded (outlined bar: all lenders in the state).
Counties in Texas
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Dallas County | 39 | 25 | $40m | 21.2% |
| Harris County | 50 | 11 | $136m | 72.5% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Goldman Sachs Bank USA originate in Texas in 2024?
65 loans totalling $214m, from 173 applications reported for properties in Texas.
What is Goldman Sachs Bank USA's denial rate in Texas?
49.2% of decided applications in Texas were denied, against 26.0% for all lenders in the state and 32.8% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which Texas counties does Goldman Sachs Bank USA lend in most?
By originations: Dallas County (25), Harris County (11).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Texas. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.