Golden Bank Mortgage Rates, Fees & Info

Houston, TX

LEI: 549300GYMDP10GGMLF50

Tax ID: 76-0127757

Latest/2024 | 2023 Data | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

Review & Overview

Golden Bank is a smaller bank specializing in Cash Out Refi and Home Purchase loans. Golden Bank has a high proportion of conventional loans. Their top markets by origination volume include: Los Angeles, San Francisco, San Jose, Houston, and Riverside among others. We have data for 10 markets. (Some data included below & more in-depth data is available with an active subscription.)

Golden Bank has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders.

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Originations

Origination Dollar Volume (All Markets)

$84,565,000

Top Markets

Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

Market	Originations	Total Value	Average Loan	Average Fees	Average Rate
Los Angeles-Long Beach-Anaheim, CA (FHA\|USDA\|VA)	20	$33,690,000	$1,684,500	$0	0.00%
San Francisco-Oakland-Berkeley, CA (FHA\|USDA\|VA)	28	$24,150,000	$862,500	$0	0.00%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA\|USDA\|VA)	19	$17,175,000	$903,947	$0	0.00%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA\|USDA\|VA)	9	$5,545,000	$616,111	$0	0.00%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA\|USDA\|VA)	3	$1,105,000	$368,333	$0	0.00%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA\|USDA\|VA)	1	$875,000	$875,000	$0	0.00%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA\|USDA\|VA)	2	$620,000	$310,000	$0	0.00%
MERCED, CA (FHA\|USDA\|VA)	1	$505,000	$505,000	$0	0.00%
STOCKTON, CA (FHA\|USDA\|VA)	2	$470,000	$235,000	$0	0.00%
VALLEJO, CA (FHA\|USDA\|VA)	2	$430,000	$215,000	$0	0.00%

Golden Bank's top markets include Los Angeles, San Francisco, San Jose, Houston, and Riverside among others.

Their top states include:

California (FHA|USDA|VA)

Texas (FHA|USDA|VA)

Product Mix

Loan Type	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. Rate
Conventional	87	$84,565,000	$972,011	$0	0.00%

For 2024, Golden Bank's most frequently originated type of loan was Conventional, with 87 originations.

Loan Reason

Loan Reason	Originations	Total Value	Avg. Loan	Avg. Fees	Avg. Rate
Cash Out Refi	43	$30,025,000	$698,256	$0	0.00%
Home Purchase	34	$41,830,000	$1,230,294	$0	0.00%
Refi	8	$5,700,000	$712,500	$0	0.00%
Other	1	$6,815,000	$6,815,000	$0	0.00%
NA	1	$195,000	$195,000	$0	0.00%

For 2024, Golden Bank's most frequently cited loan purpose was Cash Out Refi, with 43 originations. The 2nd most popular reason was Home Purchase, with 34 originations.

Loan Duration/Length

Loan Length	Originations	Total Value	Average Loan	Average Fees	Average Rate
Other	87	$84,565,000	$972,011	$0	0.00%

For 2024, Golden Bank's most frequently cited loan duration was Other, with 87 originations.

Loan Sizing

Loan Size	Originations	Total Value	Average Loan	Average Fees	Average Rate
$600k-1MM	26	$20,510,000	$788,846	$0	0.00%
$1MM+	25	$50,845,000	$2,033,800	$0	0.00%
$400k-600k	18	$8,760,000	$486,667	$0	0.00%
$200k-400k	13	$3,685,000	$283,462	$0	0.00%
$100k-200k	4	$740,000	$185,000	$0	0.00%
$100,000 or less	1	$25,000	$25,000	$0	0.00%

2024 saw Golden Bank place emphasis on $600k-1MM loans with 26 originations, totaling $20,510,000 in origination value.

Applicant Income

Applicant Income	Originations	Total Value	Average Loan	Average Fees	Average Rate
$50k or less	23	$22,065,000	$959,348	$0	0.00%
$250k+	4	$3,420,000	$855,000	$0	0.00%
$100k-150k	3	$2,835,000	$945,000	$0	0.00%
$50k-75k	2	$1,010,000	$505,000	$0	0.00%
$150k-250k	1	$355,000	$355,000	$0	0.00%
$75k-100k	1	$505,000	$505,000	$0	0.00%

Golden Bank lent most frequently to those with incomes in the $50k or less range, with 23 originations. The second most popular income band? $250k+, with 4 originations.

Applicant Debt to Income Ratio

DTI Ratio	Originations	Total Value	Average Loan	Average Fees	Average Rate
Exempt%	87	$84,565,000	$972,011	$0	0.00%

Golden Bank lent most frequently to those with DTI ratios of Exempt%, with 87 originations.

Ethnicity Mix

Applicant Ethnicity	Originations	Total Value	Average Loan	Average Fees	Average Rate
Asian	74	$55,430,000	$749,054	$0	0.00%
Not applicable	7	$24,315,000	$3,473,571	$0	0.00%
White	2	$2,850,000	$1,425,000	$0	0.00%
Not provided	2	$820,000	$410,000	$0	0.00%
Black	1	$645,000	$645,000	$0	0.00%
Chinese	1	$505,000	$505,000	$0	0.00%

Approval Rates

Total approvals of all applications
93.97%

Golden Bank has an average approval rate.

Pick Rate

Approvals leading to origination
74.71%

Golden Bank has a below average pick rate.

Points and Fees

Points	Originations	Total Value	Average Loan
Exempt	87	$84,565,000	$972,011

Occupancy Type Mix

Dwelling Type	Originations	Total Value	Average Loan
	87	$84,565,000	$972,011