Golden Bank Mortgage Rates, Fees & Info
Houston, TXLEI: 549300GYMDP10GGMLF50
Tax ID: 76-0127757
Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
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Mortgage Data
Review & Overview
Golden Bank is a smaller bank specializing in Cash Out Refi, Home Purchase, and Refi loans. Golden Bank has a high proportion of conventional loans. Their top markets by origination volume include: San Francisco, Los Angeles, San Jose, Houston, and Crestview among others. We have data for 13 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 an above average pick rate when compared to similar lenders.
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Originations
116Origination Dollar Volume (All Markets)
$93,060,000Top 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 |
|---|---|---|---|---|---|
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 39 | $33,055,000 | $847,564 | $0 | 0.00% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 30 | $21,910,000 | $730,333 | $0 | 0.00% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 19 | $18,515,000 | $974,474 | $0 | 0.00% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 13 | $9,425,000 | $725,000 | $0 | 0.00% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 1 | $3,505,000 | $3,505,000 | $0 | 0.00% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 6 | $3,000,000 | $500,000 | $0 | 0.00% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 2 | $930,000 | $465,000 | $0 | 0.00% |
| SALINAS, CA (FHA|USDA|VA) | 1 | $525,000 | $525,000 | $0 | 0.00% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $0 | 0.00% |
| LOGAN, UT-ID (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $0 | 0.00% |
| MODESTO, CA (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $0 | 0.00% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $0 | 0.00% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 65 | $65,555,000 | $1,008,538 | $0 | 0.00% |
| HELOC | 51 | $27,505,000 | $539,314 | n/a | 0.00% |
For 2022, Golden Bank's most frequently originated type of loan was Conventional, with 65 originations. Their 2nd most popular type was HELOC, with 51 originations.
Loan Reason
For 2022, Golden Bank's most frequently cited loan purpose was Cash Out Refi, with 63 originations. The 2nd most popular reason was Home Purchase, with 31 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 116 | $93,060,000 | $802,241 | $0 | 0.00% |
For 2022, Golden Bank's most frequently cited loan duration was Other, with 116 originations.
Loan Sizing
2022 saw Golden Bank place emphasis on $1MM+ loans with 32 originations, totaling $54,100,000 in origination value.
Applicant Income
Golden Bank lent most frequently to those with incomes in the $250k+ range, with 10 originations. The second most popular income band? $150k-250k, with 2 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 116 | $93,060,000 | $802,241 | $0 | 0.00% |
Golden Bank lent most frequently to those with DTI ratios of Exempt%, with 116 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications96.90%
Golden Bank has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination93.97%
Golden Bank has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 116 | $93,060,000 | $802,241 |
Complaints
| Bank Name | Product | Issue | 2022 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| Guild Mortgage Company LLC | FHA mortgage | Struggling to pay mortgage | 1 | 100.0% |