Goldman Sachs Bank USA
1,015 mortgages originated in 2025 across 5 states, and what they cost borrowers.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 1,015
- Median rate
- 5.600%
- Median lender fees
- $6,724
- Median loan amount
- $1,605,000
- Median spread over APOR
- -0.080
- Paid discount points
- 0.7%
- Received lender credits
- 0.8%
- Purchases / refinances
- 47.1% / 30.6%
- Conventional / FHA / VA
- 100% / 0% / 0%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 96.3% of loans here — see methodology.
Where Goldman Sachs Bank USA lent
States with at least 50 loans in 2025, ranked by volume.
| State | Loans | Median fees | Median rate |
|---|---|---|---|
| California | 220 | $6,348 | 5.450% |
| New York | 91 | $8,412 | 5.657% |
| Florida | 83 | $10,257 | 5.650% |
| Texas | 82 | $8,801 | 5.650% |
| Illinois | 62 | $5,495 | 5.700% |