Applications / Mortgage Analytics / Lenders / Texas / Golden Bank
Houston, TX · National bank · OCC · $2.2 billion assets · 33 loans in 2025
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33
loans originated, 2025
45
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Golden Bank makes few but large conventional loans, mostly in majority-minority neighbourhoods, and its 2025 originations fell 62% while similar lenders held roughly level.
It made 33 loans in 2025, down from 87 in 2024 and 116 in 2022. Similar lenders (national banks making between half and twice as many loans) fell 2% and the whole market rose 10%, so the drop was its own. The bank is now close to where it stood in 2020 and 2021, so the 2022-2023 surge may have been the unusual period; with loans this large, a handful of deals moves its total either way.
Its typical loan was $785,000 against $180,000 for similar lenders, larger than almost all of them, and 18.8% were jumbo (larger than the conforming limit) against 3.2%. That is why it lent $39.7 million, more than about nine in ten similar lenders, while making fewer loans than most.
84.9% of its loans were in majority-minority tracts, against 8.8% for similar lenders, higher than all of them. This may reflect the communities its branches and customers come from in Texas and California.
None of its 2025 borrowers were LMI (low- and moderate-income), against 76.5% a year earlier and 23.6% for similar lenders. Its very large typical loan may explain part of this; with so few loans, a handful of borrowers moves the figure, so little can be read into either year.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Golden Bank took 45 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 51.5% · Purchase 45.5% · Other 3.0%
Conventional 100.0% · of 33 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| California | 23 | 69.7% |
| Texas | 10 | 30.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| San Jose-Sunnyvale-Santa Clara | 8 |
| Houston-Pasadena-The Woodlands | 7 |
| Oakland-Fremont-Berkeley | 7 |
| Dallas-Plano-Irving | 3 |
| San Francisco-San Mateo-Redwood City | 3 |
| Los Angeles-Long Beach-Glendale | 2 |
| Riverside-San Bernardino-Ontario | 2 |
| Anaheim-Santa Ana-Irvine | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300GYMDP10GGMLF50 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 536059 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 118558 | 1990–2017 |
Established 3 May 1985. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Golden Bank's data.
Golden Bank's data
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