Golden Bank Mortgage Rates, Fees & Info

Houston, TX

LEI: 549300GYMDP10GGMLF50

Tax ID: 76-0127757

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Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Complaints
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Bank Data

  • Branches
  • Income
  • Loan Types
  • Deposit Mix
  • Loan Performance
  • Assets
  • Business Loans

    • Review & Overview

    Golden Bank is a smaller bank specializing in various types of mortgages.



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    Originations

    0

    Origination Dollar Volume (All Markets)

    $0

    Employee count

    122

    Complaints

    Bank Name Product Issue 2018 CPFB Complaints % of Total Issues
    GOLDMAN SACHS BANK USA Conventional home mortgage Struggling to pay mortgage 4 50.0%
    GOLDMAN SACHS BANK USA Other type of mortgage Struggling to pay mortgage 3 37.5%
    GOLDMAN SACHS BANK USA Other type of mortgage Trouble during payment process 1 12.5%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Golden Bank, National Association 2287 Highway 6 Sugar Land, TX 77478 Full Service B&M $112,542
    Golden Bank, National Association 240 Legacy Dr., #210 Plano, TX 75023 Full Service B&M $53,960
    Golden Bank, National Association 2827 Park Avenue Tustin, CA 92782 Full Service B&M $38,372
    Golden Bank, National Association 300 E. Terrace Drive, Suite 309 Richardson, TX 75081 Full Service B&M $69,836
    Golden Bank, National Association 3645 Fm 1960 W Houston, TX 77068 Full Service B&M $18,262
    Golden Bank, National Association 7250 Harwin, Suite #d Houston, TX 77036 Full Service Retail $23,123
    Golden Bank, National Association 9315 Bellaire Boulevard Houston, TX 77036 Full Service B&M $383,029

    For 2018, Golden Bank had 7 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $41,579
    Net interest income $33,394
    Total noninterest income $1,946
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $522
    Trading account gains and fees $0
    Additional Noninterest Income $1,424
    Pre-tax net operating income $17,929
    Securities gains (or losses, -) $-113
    Income before extraordinary items $14,259
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $14,259
    Minority interest net income $0
    Net income $14,259
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $14,349

    Golden Bank's gross interest income from loans was $41,579,000.
    Golden Bank's net interest income from loans was $33,394,000.
    Golden Bank's fee based income from loans was $522,000.
    Golden Bank's net income from loans was $14,259,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $8,185
    Provision for credit losses $874
    Total noninterest expense $16,537
    Salaries and employee benefits $11,103
    Premises and equipment expense $1,544
    Additional noninterest expense $3,890
    Applicable income taxes $3,557
    Net charge-offs $0
    Cash dividends $0

    Golden Bank's interest expense for loans was $8,185,000.
    Golden Bank's payroll and benefits expense were $11,103,000.
    Golden Bank's property, plant and equipment expenses $1,544,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 0.0%
    Real Estate loans 0.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 0.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 0.0%
    HELOC loans 0.0%
    All other family 0.0%
    Commercial & industrial loans 2.0%
    Personal loans 0.0%
    Credit card loans 0.0%
    Other individual loans 0.0%
    Auto loans 0.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $761,077
    Deposits held in domestic offices $761,077
    Deposits by Individuals, partnerships, and corporations $760,688
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $149
    Deposits by Commercial banks and other depository institutions in U.S. $240
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $193,966
    Demand deposits $118,188
    Nontransaction accounts $567,111
    Money market deposit accounts (MMDAs) $89,724
    Other savings deposits (excluding MMDAs) $63,165
    Total time deposits $414,222
    Total time and savings deposits $642,889
    Noninterest-bearing deposits $118,188
    Interest-bearing deposits $642,889
    Retail deposits $643,184
    IRAs and Keogh plan accounts $12,893
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $904,503
    Cash & Balances due from depository institutions $116,120
    Interest-bearing balances $97,576
    Total securities $79,264
    Federal funds sold & reverse repurchase $4,000
    Net loans and leases $677,357
    Loan and leases loss allowance $8,540
    Trading account assets $0
    Bank premises and fixed assets $10,247
    Other real estate owned $0
    Goodwill and other intangibles $0
    All other assets $17,515

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $904,503
    Total Liabilities $785,594
    Total deposits $761,077
    Interest-bearing deposits $642,889
    Deposits held in domestic offices $761,077
    % insured (estimated) $77
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $17,000
    Subordinated debt $0
    All other liabilities $7,517

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $677,357
    Loan and leases loss allowance $8,540
    Total loans and leases (domestic) $685,897
    All real estate loans $664,346
    Real estate loans in domestic offices $664,346
    Construction and development loans $50,137
    Residential 1-4 family construction $7,934
    Other construction, all land development and other land $42,203
    Loans secured by nonfarm nonresidential properties $498,848
    Nonfarm nonresidential secured by owner-occupied properties $194,018
    Commercial real estate & other non-farm, non-residential $304,830
    Multifamily residential real estate $12,848
    1-4 family residential loans $102,513
    Farmland loans $0
    Loans held in foreign offices $0
    Farm loans $0
    Commercial and industrial loans $21,922
    To non-U.S. addressees $0
    Loans to individuals $630
    Credit card loans $0
    Related Plans $0
    Consumer Auto Loans $0
    Other loans to individuals $630
    All other loans & leases $5
    Loans to foreign governments and official institutions $0
    Other loans $5
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $0
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $0
    Non 1-4 family restructured loans & leases $0
    Total loans and leases (foreign) $0

    Golden Bank had $677,357,000 of loans outstanding in 2018. $664,346,000 of loans were in real estate loans. $50,137,000 of loans were in development loans. $12,848,000 of loans were in multifamily mortgage loans. $102,513,000 of loans were in 1-4 family mortgage loans. $0 of loans were in farm loans. $0 of loans were in credit card loans. $0 of loans were in the auto loan category.

    Small Business Loans

    Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
    Nonfarm, nonresidential loans - <$1MM 249 $100,580 $403,936
    Nonfarm, nonresidential loans - <$100k 10 $547 $54,700
    Nonfarm, nonresidential loans - $100-250k 40 $4,803 $120,075
    Nonfarm, nonresidential loans - $250k-1MM 199 $95,230 $478,543
    Commercial & Industrial, US addressed loans - <$1MM 86 $16,201 $188,384
    Commercial & Industrial, US addressed loans - <$100k 27 $1,027 $38,037
    Commercial & Industrial, US addressed loans - $100-250k 22 $2,997 $136,227
    Commercial & Industrial, US addressed loans - $250k-1MM 37 $12,177 $329,108