No stored Google rating available.
FDIC-insured national bank established in 1985, serving Asian communities and businesses across Texas and California with full commercial banking services.
Data compiled from public sources
Golden Bank, National Association was established in 1985 in Houston, Texas, specifically in response to demand for boutique banking services from Asian communities, businesses, and new immigrants. As the first minority-owned bank in the Greater Houston area, it has built its reputation on personalized service and community focus over nearly 40 years of operation. The bank offers a comprehensive suite of commercial and retail banking services including deposit accounts (checking, NOW, money market, savings, time deposits, IRAs), commercial and real estate loans, small business and SBA financing, mortgages, consumer loans, trade finance, and digital banking platforms.
They provide cash management solutions for business liquidity and payment processing, along with Zelle integration for peer-to-peer payments. Golden Bank distinguishes itself through its multi-state branch network spanning Texas (Houston and Dallas-Fort Worth areas), Southern California, and Northern California with 14 total branches and one loan production office. The bank has earned Five-Star ratings from Bauer Financial, recognized as the highest rating in banking industries.
Their emphasis on serving specific communities while maintaining solid financial operations sets them apart from larger national banks. S. Government, Golden Bank provides security and stability for depositors.
38% APY) would require direct inquiry or website navigation beyond what is visible on their homepage.
This is state-level context for Banks consumers in Houston, TX. It does not confirm that Golden Bank, National Association or this specific location is licensed.
State regulator
Texas Office of Consumer Credit Commissioner
Consumer protection
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
Golden Bank, National Association processed 125 mortgage applications in 2023, with 93.6% recorded as approved across 3 states.
125
Applications
93.6%
Approval Rate
$1.2M
Avg Loan
3
States Served
Based on 125 applications. Income in thousands (reported by applicant).
Source: CFPB Home Mortgage Disclosure Act (HMDA) Data, 2023. Applications include originated, approved, and denied loans.
Golden Bank, National Association offers 14 services including Checking accounts (DDA accounts), Money market accounts (3.38% APY advertised), Savings accounts, Time deposits, Traditional and Roth IRAs, and 9 more.
Golden Bank, National Association has profile signals associated with Asian-American and immigrant business owners seeking personalized banking relationships, Small business owners and entrepreneurs looking for SBA loan financing, Residents in Texas or California wanting community-focused banking with strong financial ratings.
Key strengths: FDIC-insured deposits backed by U.S. Government protection; Earned Five-Star rating from Bauer Financial, highest banking industry rating; First minority-owned bank in Greater Houston area with 40+ year track record. Areas to consider: Limited geographic footprint compared to national banks, mainly Texas and California; Money market account requires $20,000 minimum deposit of new money.
In the Banks category, comparable providers include Credit Human | Park Ten Financial Health Center, PECU, SouthStar Bank Austin Loan Office. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
Golden Bank is profile signals for small business owners, immigrant communities, and individuals in Texas or California seeking full-service banking with personalized service and a strong financial track record. The main caveat is that specific product terms, rates, minimum deposits, and fee structures are not listed on their public website and would require direct contact or branch visit to understand.
Credit Human is a credit union offering checking, savings, loans, and investment products with rate claims to verify and zero-fee checking accounts.
Google rating from 54 reviews
Profile signals: Members seeking fee-free checking and savings with rate claims to verify, Homebuyers interested in down-payment-free mortgage options
PECU is a member-owned, not-for-profit credit union in Austin, TX offering full-service banking including checking, savings, loans, and credit cards with rewards programs.
Google rating from 225 reviews
Profile signals: Austin-area residents seeking rewards-based checking with cash back on everyday spending categories, Credit union members who value not-for-profit structure and member ownership over corporate banking
SouthStar Bank is a Texas-based community bank serving the state since 1920, offering personal and commercial banking with locally-made loan decisions.
Google rating from 8 reviews
Profile signals: Texas-based small business owners seeking SBA or commercial construction financing with local decision-makers, Homebuilders and real estate developers needing spec home loans and construction financing
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