Gateway Bank F.S.B. Mortgage Lending & HMDA Data, 2012
In 2012, Gateway Bank F.S.B. of Oakland, CA reported 11,540 mortgage applications totaling $3.4 billion, up 21% from 2011. The average application was for $293,985, and applicants reported an average income of $117,900. 0% of its applications resulted in an originated loan and 0% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (3,867), Santa Ana-Anaheim-Irvine, CA (1,762) and Riverside-San Bernardino-Ontario, CA (1,198) (applications in parentheses).
| Mortgage Company & Address | Gateway Bank F.S.B. 360 8th Street Oakland, CA 94607 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2016 2015 2014 2013 2012 2011 |
| Total Number of Mortgage Applications | 11,540 |
| Total Mortgage Loan Application Amount | $3,392,597,000 |
| Average Mortgage Loan Application Amount | $293,985 |
| Highest Mortgage Loan Application Amount | $3,400,000 |
| Average Applicant Income | $117,900 |
| Highest Applicant Income | $3,802,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Gateway Bank F.S.B. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Los Angeles, California | 3,867 | $ 1,207,571,000 | $ 312,275 | $ 116,000 |
| Orange, California | 1,762 | $ 577,908,000 | $ 327,984 | $ 121,000 |
| Riverside, California | 681 | $ 137,263,000 | $ 201,560 | $ 102,000 |
| Santa Clara, California | 585 | $ 232,383,000 | $ 397,235 | $ 139,000 |
| San Bernardino, California | 517 | $ 114,047,000 | $ 220,593 | $ 105,000 |
| San Diego, California | 513 | $ 163,965,000 | $ 319,619 | $ 130,000 |
| Ventura, California | 447 | $ 141,203,000 | $ 315,890 | $ 138,000 |
| Maricopa, Arizona | 310 | $ 46,403,000 | $ 149,687 | $ 60,000 |
| Alameda, California | 285 | $ 105,259,000 | $ 369,329 | $ 140,000 |
| Fresno, California | 231 | $ 45,411,000 | $ 196,584 | $ 108,000 |
| Contra Costa, California | 143 | $ 55,144,000 | $ 385,622 | $ 202,000 |
| Snohomish, Washington | 101 | $ 23,988,000 | $ 237,504 | $ 87,000 |
| Fairfax, Virginia | 94 | $ 25,847,000 | $ 274,968 | $ 102,000 |
| King, Washington | 92 | $ 26,409,000 | $ 287,054 | $ 118,000 |
| Gwinnett, Georgia | 89 | $ 12,841,000 | $ 144,280 | $ 65,000 |
| Sacramento, California | 85 | $ 19,533,000 | $ 229,800 | $ 127,000 |
| San Mateo, California | 84 | $ 37,406,000 | $ 445,309 | $ 153,000 |
| San Francisco, California | 74 | $ 35,395,000 | $ 478,310 | $ 190,000 |
| Honolulu, Hawaii | 40 | $ 14,009,000 | $ 350,225 | $ 95,000 |
| Montgomery, Pennsylvania | 40 | $ 11,115,000 | $ 277,875 | $ 142,000 |
| San Joaquin, California | 38 | $ 7,548,000 | $ 198,631 | $ 108,000 |
| Kern, California | 36 | $ 5,747,000 | $ 159,638 | $ 82,000 |
| Solano, California | 35 | $ 7,425,000 | $ 212,142 | $ 200,000 |
| Sonoma, California | 35 | $ 9,443,000 | $ 269,800 | $ 138,000 |
| Stanislaus, California | 35 | $ 6,129,000 | $ 175,114 | $ 159,000 |
| Placer, California | 33 | $ 8,309,000 | $ 251,787 | $ 137,000 |
| Santa Barbara, California | 33 | $ 10,004,000 | $ 303,151 | $ 112,000 |
| Prince William, Virginia | 32 | $ 7,807,000 | $ 243,968 | $ 105,000 |
| Marin, California | 31 | $ 12,239,000 | $ 394,806 | $ 128,000 |
| Bucks, Pennsylvania | 31 | $ 8,842,000 | $ 285,225 | $ 149,000 |
| Middlesex, New Jersey | 28 | $ 7,901,000 | $ 282,178 | $ 116,000 |
| San Luis Obispo, California | 26 | $ 7,390,000 | $ 284,230 | $ 270,000 |
| Arapahoe, Colorado | 26 | $ 5,393,000 | $ 207,423 | $ 87,000 |
| Salt Lake, Utah | 26 | $ 4,055,000 | $ 155,961 | $ 44,000 |
| Chelan, Washington | 26 | $ 5,462,000 | $ 210,076 | $ 134,000 |
| Chester, Pennsylvania | 25 | $ 6,806,000 | $ 272,240 | $ 192,000 |
| Loudoun, Virginia | 25 | $ 6,583,000 | $ 263,320 | $ 127,000 |
| Fulton, Georgia | 23 | $ 5,203,000 | $ 226,217 | $ 73,000 |
| Montgomery, Maryland | 23 | $ 6,352,000 | $ 276,173 | $ 85,000 |
| Clark, Nevada | 23 | $ 3,152,000 | $ 137,043 | $ 89,000 |
| Jefferson, Colorado | 22 | $ 4,592,000 | $ 208,727 | $ 79,000 |
| Monterey, California | 20 | $ 6,447,000 | $ 322,350 | $ 189,000 |
| Nassau, New York | 20 | $ 5,992,000 | $ 299,600 | $ 107,000 |
| Queens, New York | 19 | $ 6,240,000 | $ 328,421 | $ 95,000 |
| Douglas, Colorado | 17 | $ 4,635,000 | $ 272,647 | $ 106,000 |
| El Dorado, California | 16 | $ 5,072,000 | $ 317,000 | $ 194,000 |
| Madera, California | 16 | $ 3,523,000 | $ 220,187 | $ 85,000 |
| Bernalillo, New Mexico | 16 | $ 2,980,000 | $ 186,250 | $ 89,000 |
| Cumberland, Pennsylvania | 16 | $ 4,171,000 | $ 260,687 | $ 121,000 |
| Bronx, New York | 15 | $ 4,320,000 | $ 288,000 | $ 113,000 |
| Kings, New York | 15 | $ 5,456,000 | $ 363,733 | $ 104,000 |
| Mercer, New Jersey | 14 | $ 3,796,000 | $ 271,142 | $ 161,000 |
| Delaware, Pennsylvania | 13 | $ 3,011,000 | $ 231,615 | $ 143,000 |
| Lehigh, Pennsylvania | 13 | $ 3,080,000 | $ 236,923 | $ 111,000 |
| Nevada, California | 12 | $ 2,928,000 | $ 244,000 | $ 163,000 |
| Santa Cruz, California | 12 | $ 3,380,000 | $ 281,666 | $ 88,000 |
| Denver, Colorado | 12 | $ 2,694,000 | $ 224,500 | $ 75,000 |
| DeKalb, Georgia | 11 | $ 1,335,000 | $ 121,363 | $ 53,000 |
| Bergen, New Jersey | 11 | $ 3,195,000 | $ 290,454 | $ 119,000 |
| Northampton, Pennsylvania | 11 | $ 2,530,000 | $ 230,000 | $ 145,000 |
| Larimer, Colorado | 10 | $ 2,121,000 | $ 212,100 | $ 79,000 |
| Cobb, Georgia | 10 | $ 1,886,000 | $ 188,600 | $ 56,000 |
| Howard, Maryland | 10 | $ 3,233,000 | $ 323,300 | $ 90,000 |
| Monmouth, New Jersey | 10 | $ 3,523,000 | $ 352,300 | $ 233,000 |
| Morris, New Jersey | 10 | $ 3,592,000 | $ 359,200 | $ 154,000 |
| Ocean, New Jersey | 10 | $ 2,412,000 | $ 241,200 | $ 122,000 |
| Philadelphia, Pennsylvania | 10 | $ 2,274,000 | $ 227,400 | $ 88,000 |
| Collin, Texas | 10 | $ 2,059,000 | $ 205,900 | $ 135,000 |
| Pierce, Washington | 10 | $ 1,824,000 | $ 182,400 | $ 65,000 |
| Hawaii, Hawaii | 9 | $ 2,160,000 | $ 240,000 | $ 115,000 |
| Hunterdon, New Jersey | 9 | $ 2,806,000 | $ 311,777 | $ 171,000 |
| Merced, California | 8 | $ 1,027,000 | $ 128,375 | $ 66,000 |
| Tulare, California | 8 | $ 1,871,000 | $ 233,875 | $ 185,000 |
| Adams, Colorado | 8 | $ 1,582,000 | $ 197,750 | $ 97,000 |
| Maui, Hawaii | 8 | $ 2,857,000 | $ 357,125 | $ 137,000 |
| Hudson, New Jersey | 8 | $ 1,988,000 | $ 248,500 | $ 149,000 |
| Allegheny, Pennsylvania | 8 | $ 1,812,000 | $ 226,500 | $ 105,000 |
| Lancaster, Pennsylvania | 8 | $ 1,498,000 | $ 187,250 | $ 91,000 |
| York, Pennsylvania | 8 | $ 1,508,000 | $ 188,500 | $ 105,000 |
| Napa, California | 7 | $ 2,527,000 | $ 361,000 | $ 109,000 |
| San Benito, California | 7 | $ 1,563,000 | $ 223,285 | $ 134,000 |
| Washington, Oregon | 7 | $ 2,065,000 | $ 295,000 | $ 110,000 |
| Arlington, Virginia | 7 | $ 2,602,000 | $ 371,714 | $ 124,000 |
| Pinal, Arizona | 6 | $ 838,000 | $ 139,666 | $ 64,000 |
| Kings, California | 6 | $ 912,000 | $ 152,000 | $ 63,000 |
| Yolo, California | 6 | $ 1,648,000 | $ 274,666 | $ 173,000 |
| El Paso, Colorado | 6 | $ 1,391,000 | $ 231,833 | $ 73,000 |
| Cook, Illinois | 6 | $ 915,000 | $ 152,500 | $ 83,000 |
| Baltimore, Maryland | 6 | $ 1,173,000 | $ 195,500 | $ 50,000 |
| Cape May, New Jersey | 6 | $ 1,920,000 | $ 320,000 | $ 196,000 |
| Sandoval, New Mexico | 6 | $ 848,000 | $ 141,333 | $ 138,000 |
| Dallas, Texas | 6 | $ 1,214,000 | $ 202,333 | $ 100,000 |
| Denton, Texas | 6 | $ 1,642,000 | $ 273,666 | $ 157,000 |
| Davis, Utah | 6 | $ 991,000 | $ 165,166 | $ 65,000 |
| Utah, Utah | 6 | $ 1,122,000 | $ 187,000 | $ 63,000 |
| Douglas, Washington | 6 | $ 1,217,000 | $ 202,833 | $ 60,000 |
| Island, Washington | 6 | $ 1,493,000 | $ 248,833 | $ 91,000 |
| Skagit, Washington | 6 | $ 1,758,000 | $ 293,000 | $ 109,000 |
| Gila, Arizona | 5 | $ 849,000 | $ 169,800 | $ 56,000 |
| Mohave, Arizona | 5 | $ 1,037,000 | $ 207,400 | $ 119,000 |
| Cherokee, Georgia | 5 | $ 930,000 | $ 186,000 | $ 54,000 |
| Ada, Idaho | 5 | $ 1,081,000 | $ 216,200 | $ 132,000 |
| Union, New Jersey | 5 | $ 1,294,000 | $ 258,800 | $ 161,000 |
| Suffolk, New York | 5 | $ 1,809,000 | $ 361,800 | $ 158,000 |
| Alexandria, Virginia | 5 | $ 1,133,000 | $ 226,600 | $ 139,000 |
| Boulder, Colorado | 4 | $ 1,037,000 | $ 259,250 | $ 125,000 |
| Orange, Florida | 4 | $ 744,000 | $ 186,000 | $ 117,000 |
| Forsyth, Georgia | 4 | $ 1,034,000 | $ 258,500 | $ 73,000 |
| Kauai, Hawaii | 4 | $ 1,452,000 | $ 363,000 | $ 98,000 |
| DuPage, Illinois | 4 | $ 1,330,000 | $ 332,500 | $ 234,000 |
| Westchester, New York | 4 | $ 1,392,000 | $ 348,000 | $ 114,000 |
| Dauphin, Pennsylvania | 4 | $ 838,000 | $ 209,500 | $ 129,000 |
| Albemarle, Virginia | 4 | $ 1,010,000 | $ 252,500 | $ 72,000 |
| Kitsap, Washington | 4 | $ 725,000 | $ 181,250 | $ 89,000 |
| Whatcom, Washington | 4 | $ 1,093,000 | $ 273,250 | $ 92,000 |
| Calaveras, California | 3 | $ 680,000 | $ 226,666 | $ 208,000 |
| Humboldt, California | 3 | $ 586,000 | $ 195,333 | $ 124,000 |
| Mono, California | 3 | $ 606,000 | $ 202,000 | $ 240,000 |
| Tuolumne, California | 3 | $ 563,000 | $ 187,666 | $ 120,000 |
| Oconee, Georgia | 3 | $ 533,000 | $ 177,666 | $ 57,000 |
| Calvert, Maryland | 3 | $ 1,162,000 | $ 387,333 | $ 211,000 |
| Charles, Maryland | 3 | $ 660,000 | $ 220,000 | $ 74,000 |
| Prince George's, Maryland | 3 | $ 600,000 | $ 200,000 | $ 47,000 |
| Atlantic, New Jersey | 3 | $ 971,000 | $ 323,666 | $ 107,000 |
| Burlington, New Jersey | 3 | $ 607,000 | $ 202,333 | $ 68,000 |
| Camden, New Jersey | 3 | $ 696,000 | $ 232,000 | $ 111,000 |
| Essex, New Jersey | 3 | $ 932,000 | $ 310,666 | $ 160,000 |
| Somerset, New Jersey | 3 | $ 630,000 | $ 210,000 | $ 145,000 |
| Valencia, New Mexico | 3 | $ 537,000 | $ 179,000 | $ 71,000 |
| Richmond, New York | 3 | $ 999,000 | $ 333,000 | $ 80,000 |
| Multnomah, Oregon | 3 | $ 625,000 | $ 208,333 | $ 106,000 |
| Butler, Pennsylvania | 3 | $ 885,000 | $ 295,000 | $ 207,000 |
| Davidson, Tennessee | 3 | $ 426,000 | $ 142,000 | $ 59,000 |
| Fort Bend, Texas | 3 | $ 659,000 | $ 219,666 | $ 124,000 |
| Harris, Texas | 3 | $ 578,000 | $ 192,666 | $ 111,000 |
| Tarrant, Texas | 3 | $ 372,000 | $ 124,000 | $ 101,000 |
| Travis, Texas | 3 | $ 732,000 | $ 244,000 | $ 171,000 |
| Williamson, Texas | 3 | $ 434,000 | $ 144,666 | $ 95,000 |
| Wasatch, Utah | 3 | $ 483,000 | $ 161,000 | $ 89,000 |
| Manassas, Virginia | 3 | $ 804,000 | $ 268,000 | $ 39,000 |
| Clark, Washington | 3 | $ 593,000 | $ 197,666 | $ 124,000 |
| Pima, Arizona | 2 | $ 363,000 | $ 181,500 | $ 105,000 |
| Butte, California | 2 | $ 424,000 | $ 212,000 | $ 233,000 |
| Mendocino, California | 2 | $ 374,000 | $ 187,000 | $ 51,000 |
| Plumas, California | 2 | $ 589,000 | $ 294,500 | $ 138,000 |
| Shasta, California | 2 | $ 407,000 | $ 203,500 | $ 73,000 |
| Sutter, California | 2 | $ 260,000 | $ 130,000 | $ 63,000 |
| Yuba, California | 2 | $ 254,000 | $ 127,000 | $ 132,000 |
| Elbert, Colorado | 2 | $ 589,000 | $ 294,500 | $ 104,000 |
| Summit, Colorado | 2 | $ 814,000 | $ 407,000 | $ 105,000 |
| Weld, Colorado | 2 | $ 359,000 | $ 179,500 | $ 96,000 |
| Okaloosa, Florida | 2 | $ 534,000 | $ 267,000 | $ 114,000 |
| Osceola, Florida | 2 | $ 275,000 | $ 137,500 | $ 57,000 |
| Sarasota, Florida | 2 | $ 282,000 | $ 141,000 | $ 67,000 |
| McHenry, Illinois | 2 | $ 465,000 | $ 232,500 | $ 113,000 |
| Worcester, Maryland | 2 | $ 394,000 | $ 197,000 | $ 368,000 |
| Douglas, Nebraska | 2 | $ 233,000 | $ 116,500 | $ 97,000 |
| Passaic, New Jersey | 2 | $ 321,000 | $ 160,500 | $ 74,000 |
| Rio Arriba, New Mexico | 2 | $ 237,000 | $ 118,500 | $ 84,000 |
| Santa Fe, New Mexico | 2 | $ 240,000 | $ 120,000 | $ 46,000 |
| Wake, North Carolina | 2 | $ 468,000 | $ 234,000 | $ 148,000 |
| Benton, Oregon | 2 | $ 552,000 | $ 276,000 | $ 55,000 |
| Douglas, Oregon | 2 | $ 240,000 | $ 120,000 | $ 106,000 |
| Beaver, Pennsylvania | 2 | $ 336,000 | $ 168,000 | $ 162,000 |
| Erie, Pennsylvania | 2 | $ 285,000 | $ 142,500 | $ 96,000 |
| Bexar, Texas | 2 | $ 339,000 | $ 169,500 | $ 88,000 |
| Galveston, Texas | 2 | $ 490,000 | $ 245,000 | $ 150,000 |
| Charlottesville, Virginia | 2 | $ 424,000 | $ 212,000 | $ 98,000 |
| Fauquier, Virginia | 2 | $ 408,000 | $ 204,000 | $ 205,000 |
| Frederick, Virginia | 2 | $ 401,000 | $ 200,500 | $ 112,000 |
| Hanover, Virginia | 2 | $ 524,000 | $ 262,000 | $ 82,000 |
| Henrico, Virginia | 2 | $ 442,000 | $ 221,000 | $ 52,000 |
| Spotsylvania, Virginia | 2 | $ 558,000 | $ 279,000 | $ 104,000 |
| Spokane, Washington | 2 | $ 271,000 | $ 135,500 | $ 72,000 |
| Whitman, Washington | 2 | $ 255,000 | $ 127,500 | $ 111,000 |
| Tuscaloosa, Alabama | 1 | $ 124,000 | $ 124,000 | $ 32,000 |
| Apache, Arizona | 1 | $ 240,000 | $ 240,000 | $ 156,000 |
| Coconino, Arizona | 1 | $ 406,000 | $ 406,000 | $ 103,000 |
| Navajo, Arizona | 1 | $ 155,000 | $ 155,000 | $ 123,000 |
| Yavapai, Arizona | 1 | $ 106,000 | $ 106,000 | $ 152,000 |
| Amador, California | 1 | $ 236,000 | $ 236,000 | $ 94,000 |
| Del Norte, California | 1 | $ 256,000 | $ 256,000 | $ 52,000 |
| Imperial, California | 1 | $ 122,000 | $ 122,000 | $ 80,000 |
| Inyo, California | 1 | $ 200,000 | $ 200,000 | $ 48,000 |
| Siskiyou, California | 1 | $ 153,000 | $ 153,000 | $ 38,000 |
| Gunnison, Colorado | 1 | $ 332,000 | $ 332,000 | $ 101,000 |
| Mesa, Colorado | 1 | $ 194,000 | $ 194,000 | $ 60,000 |
| Montrose, Colorado | 1 | $ 198,000 | $ 198,000 | $ 127,000 |
| Park, Colorado | 1 | $ 225,000 | $ 225,000 | $ 109,000 |
| Fairfield, Connecticut | 1 | $ 201,000 | $ 201,000 | $ 177,000 |
| Hartford, Connecticut | 1 | $ 130,000 | $ 130,000 | $ 45,000 |
| Broward, Florida | 1 | $ 210,000 | $ 210,000 | $ 73,000 |
| Escambia, Florida | 1 | $ 57,000 | $ 57,000 | $ 71,000 |
| Flagler, Florida | 1 | $ 124,000 | $ 124,000 | $ 116,000 |
| Hillsborough, Florida | 1 | $ 284,000 | $ 284,000 | $ 190,000 |
| Indian River, Florida | 1 | $ 97,000 | $ 97,000 | $ 43,000 |
| Lee, Florida | 1 | $ 151,000 | $ 151,000 | $ 57,000 |
| Miami-Dade, Florida | 1 | $ 160,000 | $ 160,000 | $ 187,000 |
| Palm Beach, Florida | 1 | $ 410,000 | $ 410,000 | $ 376,000 |
| Pinellas, Florida | 1 | $ 102,000 | $ 102,000 | $ 87,000 |
| Seminole, Florida | 1 | $ 312,000 | $ 312,000 | $ 134,000 |
| Catoosa, Georgia | 1 | $ 228,000 | $ 228,000 | $ 74,000 |
| Chatham, Georgia | 1 | $ 178,000 | $ 178,000 | $ 55,000 |
| Clayton, Georgia | 1 | $ 111,000 | $ 111,000 | $ 52,000 |
| Dawson, Georgia | 1 | $ 148,000 | $ 148,000 | $ 113,000 |
| Douglas, Georgia | 1 | $ 116,000 | $ 116,000 | $ 43,000 |
| Fayette, Georgia | 1 | $ 91,000 | $ 91,000 | $ 34,000 |
| Harris, Georgia | 1 | $ 330,000 | $ 330,000 | $ 88,000 |
| Henry, Georgia | 1 | $ 203,000 | $ 203,000 | $ 63,000 |
| Jackson, Georgia | 1 | $ 112,000 | $ 112,000 | $ 90,000 |
| Muscogee, Georgia | 1 | $ 153,000 | $ 153,000 | $ 45,000 |
| Paulding, Georgia | 1 | $ 150,000 | $ 150,000 | $ 58,000 |
| Canyon, Idaho | 1 | $ 224,000 | $ 224,000 | $ 71,000 |
| Madison, Idaho | 1 | $ 201,000 | $ 201,000 | $ 121,000 |
| Oneida, Idaho | 1 | $ 37,000 | $ 37,000 | $ 60,000 |
| Boone, Illinois | 1 | $ 164,000 | $ 164,000 | $ 124,000 |
| Jersey, Illinois | 1 | $ 89,000 | $ 89,000 | $ 71,000 |
| Kendall, Illinois | 1 | $ 145,000 | $ 145,000 | $ 114,000 |
| McLean, Illinois | 1 | $ 234,000 | $ 234,000 | $ 80,000 |
| St. Clair, Illinois | 1 | $ 82,000 | $ 82,000 | $ 59,000 |
| Anne Arundel, Maryland | 1 | $ 417,000 | $ 417,000 | $ 95,000 |
| Carroll, Maryland | 1 | $ 200,000 | $ 200,000 | $ 60,000 |
| Sarpy, Nebraska | 1 | $ 230,000 | $ 230,000 | $ 117,000 |
| Douglas, Nevada | 1 | $ 205,000 | $ 205,000 | $ 38,000 |
| Lincoln, Nevada | 1 | $ 149,000 | $ 149,000 | $ 158,000 |
| Gloucester, New Jersey | 1 | $ 98,000 | $ 98,000 | $ 75,000 |
| Salem, New Jersey | 1 | $ 138,000 | $ 138,000 | $ 80,000 |
| Warren, New Jersey | 1 | $ 100,000 | $ 100,000 | $ 183,000 |
| Cibola, New Mexico | 1 | $ 88,000 | $ 88,000 | $ 17,000 |
| Otero, New Mexico | 1 | $ 138,000 | $ 138,000 | $ 32,000 |
| Jefferson, New York | 1 | $ 105,000 | $ 105,000 | $ 40,000 |
| New York, New York | 1 | $ 593,000 | $ 593,000 | $ 149,000 |
| Rockland, New York | 1 | $ 568,000 | $ 568,000 | $ 122,000 |
| Ulster, New York | 1 | $ 172,000 | $ 172,000 | $ 142,000 |
| Durham, North Carolina | 1 | $ 165,000 | $ 165,000 | $ 101,000 |
| Franklin, North Carolina | 1 | $ 101,000 | $ 101,000 | $ 50,000 |
| New Hanover, North Carolina | 1 | $ 195,000 | $ 195,000 | $ 77,000 |
| Union, North Carolina | 1 | $ 290,000 | $ 290,000 | $ 197,000 |
| Wilson, North Carolina | 1 | $ 186,000 | $ 186,000 | $ 93,000 |
| Clackamas, Oregon | 1 | $ 125,000 | $ 125,000 | $ 45,000 |
| Jackson, Oregon | 1 | $ 331,000 | $ 331,000 | $ 92,000 |
| Marion, Oregon | 1 | $ 240,000 | $ 240,000 | $ 219,000 |
| Yamhill, Oregon | 1 | $ 263,000 | $ 263,000 | $ 42,000 |
| Adams, Pennsylvania | 1 | $ 131,000 | $ 131,000 | $ 104,000 |
| Centre, Pennsylvania | 1 | $ 90,000 | $ 90,000 | $ 71,000 |
| Franklin, Pennsylvania | 1 | $ 190,000 | $ 190,000 | $ 138,000 |
| Lackawanna, Pennsylvania | 1 | $ 324,000 | $ 324,000 | $ 119,000 |
| Montour, Pennsylvania | 1 | $ 254,000 | $ 254,000 | $ 210,000 |
| Northumberland, Pennsylvania | 1 | $ 168,000 | $ 168,000 | $ 120,000 |
| Pike, Pennsylvania | 1 | $ 144,000 | $ 144,000 | $ 138,000 |
| Somerset, Pennsylvania | 1 | $ 198,000 | $ 198,000 | $ 111,000 |
| Westmoreland, Pennsylvania | 1 | $ 280,000 | $ 280,000 | $ 182,000 |
| Hamilton, Tennessee | 1 | $ 257,000 | $ 257,000 | $ 97,000 |
| Montgomery, Tennessee | 1 | $ 136,000 | $ 136,000 | $ 41,000 |
| Robertson, Tennessee | 1 | $ 101,000 | $ 101,000 | $ 32,000 |
| Warren, Tennessee | 1 | $ 48,000 | $ 48,000 | $ 11,000 |
| Cache, Utah | 1 | $ 142,000 | $ 142,000 | $ 77,000 |
| Tooele, Utah | 1 | $ 103,000 | $ 103,000 | $ 25,000 |
| Weber, Utah | 1 | $ 160,000 | $ 160,000 | $ 54,000 |
| Bedford, Virginia | 1 | $ 222,000 | $ 222,000 | $ 56,000 |
| Caroline, Virginia | 1 | $ 194,000 | $ 194,000 | $ 132,000 |
| Chesterfield, Virginia | 1 | $ 139,000 | $ 139,000 | $ 47,000 |
| Hampton, Virginia | 1 | $ 236,000 | $ 236,000 | $ 66,000 |
| Isle of Wight, Virginia | 1 | $ 298,000 | $ 298,000 | $ 93,000 |
| Manassas Park, Virginia | 1 | $ 143,000 | $ 143,000 | $ 14,000 |
| Pittsylvania, Virginia | 1 | $ 281,000 | $ 281,000 | $ 131,000 |
| Virginia Beach, Virginia | 1 | $ 160,000 | $ 160,000 | $ 113,000 |
| Benton, Washington | 1 | $ 162,000 | $ 162,000 | $ 136,000 |
| Clallam, Washington | 1 | $ 350,000 | $ 350,000 | $ 93,000 |
| Grays Harbor, Washington | 1 | $ 72,000 | $ 72,000 | $ 79,000 |
| Jefferson, Washington | 1 | $ 92,000 | $ 92,000 | $ 177,000 |
| Kittitas, Washington | 1 | $ 254,000 | $ 254,000 | $ 96,000 |
| Okanogan, Washington | 1 | $ 303,000 | $ 303,000 | $ 119,000 |
Mortgage Loan Application Detail Totals for Gateway Bank F.S.B. in 2012
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Refinancing | 8,179 | $2,524,427,000 | $308,000 | $1,500,000 | $126,000 | $3,802,000 |
| Home Purchase | 3,355 | $866,678,000 | $258,000 | $3,400,000 | $98,000 | $2,514,000 |
| Home Improvement | 6 | $1,492,000 | $248,000 | $417,000 | $204,000 | $758,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Asian | 5,124 | $1,593,135,000 | $310,000 | $796,000 | $118,000 | $3,453,000 |
| White | 4,168 | $1,239,001,000 | $297,000 | $1,700,000 | $131,000 | $3,802,000 |
| Hispanic | 1,360 | $294,553,000 | $216,000 | $722,000 | $73,000 | $1,069,000 |
| Not Provided | 658 | $205,531,000 | $312,000 | $3,400,000 | $141,000 | $1,163,000 |
| Black or African American | 145 | $34,328,000 | $236,000 | $544,000 | $90,000 | $377,000 |
| Native Hawaiian or Other Pacific Islander | 70 | $21,928,000 | $313,000 | $625,000 | $115,000 | $562,000 |
| American Indian or Alaskan Native | 15 | $4,121,000 | $274,000 | $583,000 | $91,000 | $251,000 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 10,118 | $3,039,752,000 | $300,000 | $3,400,000 | $125,000 | $3,802,000 |
| FHA-insured (Federal Housing Administration) | 1,320 | $324,684,000 | $245,000 | $743,000 | $73,000 | $343,000 |
| VA-guaranteed (Veterans Administration) | 102 | $28,161,000 | $276,000 | $648,000 | $82,000 | $265,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Purchased By The Institution | 11,492 | $3,371,165,000 | $293,000 | $1,500,000 | $117,000 | $3,453,000 |
| Loan Originated | 38 | $15,752,000 | $414,000 | $3,400,000 | $495,000 | $3,802,000 |
| Application Denied By Financial Institution | 6 | $1,784,000 | $297,000 | $515,000 | $86,000 | $130,000 |
| Application Withdrawn By Applicant | 4 | $3,896,000 | $974,000 | $1,700,000 | $428,000 | $792,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Credit History | 2 | $540,000 | $270,000 | $325,000 | $94,000 | $96,000 |
| Debt-To-Income Ratio | 2 | $701,000 | $350,000 | $515,000 | $59,000 | $65,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $543,000 | $271,000 | $333,000 | $105,000 | $130,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Gateway Bank F.S.B.'s 2012 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Gateway Bank F.S.B.'s mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in California, download the full spreadsheet
with aggregated HMDA statistics today.
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