Gateway Bank F.S.B. Mortgage Lending & HMDA Data, 2014
In 2014, Gateway Bank F.S.B. of Oakland, CA reported 2,362 mortgage applications totaling $743.1 million, down 50% from 2013. The average application was for $314,608, and applicants reported an average income of $113,247. 1% of its applications resulted in an originated loan and 0% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (871), Riverside-San Bernardino-Ontario, CA (472) and Anaheim-Santa Ana-Irvine, CA (248) (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 | 2,362 |
| Total Mortgage Loan Application Amount | $743,106,000 |
| Average Mortgage Loan Application Amount | $314,608 |
| Highest Mortgage Loan Application Amount | $20,843,000 |
| Average Applicant Income | $113,247 |
| Highest Applicant Income | $2,751,000 |
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Act (HMDA) records Gateway Bank F.S.B. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 871 | $ 315,033,000 | $ 361,691 | $ 112,000 |
| Riverside, California | 286 | $ 66,723,000 | $ 233,297 | $ 89,000 |
| Orange, California | 248 | $ 96,527,000 | $ 389,221 | $ 137,000 |
| San Diego, California | 210 | $ 65,108,000 | $ 310,038 | $ 97,000 |
| San Bernardino, California | 186 | $ 44,384,000 | $ 238,623 | $ 107,000 |
| Santa Clara, California | 62 | $ 25,895,000 | $ 417,661 | $ 132,000 |
| Fresno, California | 52 | $ 9,706,000 | $ 186,653 | $ 116,000 |
| Alameda, California | 46 | $ 16,464,000 | $ 357,913 | $ 135,000 |
| Contra Costa, California | 33 | $ 11,034,000 | $ 334,363 | $ 150,000 |
| Kern, California | 27 | $ 3,644,000 | $ 134,962 | $ 237,000 |
| Sacramento, California | 25 | $ 6,380,000 | $ 255,200 | $ 93,000 |
| Ventura, California | 23 | $ 8,303,000 | $ 361,000 | $ 120,000 |
| Fairfax, Virginia | 22 | $ 5,160,000 | $ 234,545 | $ 78,000 |
| Santa Barbara, California | 20 | $ 5,640,000 | $ 282,000 | $ 97,000 |
| Gwinnett, Georgia | 13 | $ 2,135,000 | $ 164,230 | $ 46,000 |
| Madera, California | 12 | $ 1,991,000 | $ 165,916 | $ 54,000 |
| Clark, Nevada | 12 | $ 2,123,000 | $ 176,916 | $ 90,000 |
| Kings, New York | 12 | $ 3,970,000 | $ 330,833 | $ 90,000 |
| Stanislaus, California | 11 | $ 1,837,000 | $ 167,000 | $ 67,000 |
| Prince William, Virginia | 9 | $ 2,104,000 | $ 233,777 | $ 64,000 |
| San Joaquin, California | 8 | $ 1,686,000 | $ 210,750 | $ 85,000 |
| Solano, California | 8 | $ 1,409,000 | $ 176,125 | $ 301,000 |
| St. Johns, Florida | 7 | $ 1,043,000 | $ 149,000 | $ 111,000 |
| Honolulu, Hawaii | 7 | $ 2,700,000 | $ 385,714 | $ 108,000 |
| El Dorado, California | 6 | $ 2,055,000 | $ 342,500 | $ 137,000 |
| San Mateo, California | 6 | $ 1,960,000 | $ 326,666 | $ 99,000 |
| Sonoma, California | 6 | $ 1,739,000 | $ 289,833 | $ 111,000 |
| Harris, Texas | 6 | $ 1,203,000 | $ 200,500 | $ 125,000 |
| Merced, California | 5 | $ 828,000 | $ 165,600 | $ 121,000 |
| Placer, California | 5 | $ 1,363,000 | $ 272,600 | $ 80,000 |
| Arapahoe, Colorado | 5 | $ 1,096,000 | $ 219,200 | $ 58,000 |
| Miami-Dade, Florida | 5 | $ 1,363,000 | $ 272,600 | $ 79,000 |
| San Francisco, California | 4 | $ 2,214,000 | $ 553,500 | $ 162,000 |
| Montgomery, Maryland | 4 | $ 1,078,000 | $ 269,500 | $ 61,000 |
| Bronx, New York | 4 | $ 1,045,000 | $ 261,250 | $ 75,000 |
| Loudoun, Virginia | 4 | $ 1,235,000 | $ 308,750 | $ 67,000 |
| Maricopa, Arizona | 3 | $ 317,000 | $ 105,666 | $ 67,000 |
| Marin, California | 3 | $ 1,717,000 | $ 572,333 | $ 332,000 |
| Monterey, California | 3 | $ 2,178,000 | $ 726,000 | $ 989,000 |
| Napa, California | 3 | $ 2,114,000 | $ 704,666 | $ 1,003,000 |
| Tulare, California | 3 | $ 999,000 | $ 333,000 | $ 128,000 |
| Duval, Florida | 3 | $ 518,000 | $ 172,666 | $ 45,000 |
| Prince George's, Maryland | 3 | $ 540,000 | $ 180,000 | $ 22,000 |
| Middlesex, New Jersey | 3 | $ 666,000 | $ 222,000 | $ 49,000 |
| Kitsap, Washington | 3 | $ 782,000 | $ 260,666 | $ 76,000 |
| Jefferson, Alabama | 2 | $ 400,000 | $ 200,000 | $ 79,000 |
| Imperial, California | 2 | $ 306,000 | $ 153,000 | $ 113,000 |
| Mono, California | 2 | $ 451,000 | $ 225,500 | $ 93,000 |
| San Luis Obispo, California | 2 | $ 729,000 | $ 364,500 | $ 85,000 |
| Tuolumne, California | 2 | $ 427,000 | $ 213,500 | $ 59,000 |
| Seminole, Florida | 2 | $ 384,000 | $ 192,000 | $ 53,000 |
| Fulton, Georgia | 2 | $ 464,000 | $ 232,000 | $ 94,000 |
| Anne Arundel, Maryland | 2 | $ 614,000 | $ 307,000 | $ 65,000 |
| Baltimore, Maryland | 2 | $ 327,000 | $ 163,500 | $ 45,000 |
| Wicomico, Maryland | 2 | $ 343,000 | $ 171,500 | $ 48,000 |
| Nassau, New York | 2 | $ 475,000 | $ 237,500 | $ 77,000 |
| Queens, New York | 2 | $ 446,000 | $ 223,000 | $ 70,000 |
| Westchester, New York | 2 | $ 385,000 | $ 192,500 | $ 103,000 |
| Denton, Texas | 2 | $ 573,000 | $ 286,500 | $ 179,000 |
| Tarrant, Texas | 2 | $ 531,000 | $ 265,500 | $ 118,000 |
| Hampton, Virginia | 2 | $ 253,000 | $ 126,500 | $ 38,000 |
| Manassas, Virginia | 2 | $ 534,000 | $ 267,000 | $ 66,000 |
| Pierce, Washington | 2 | $ 516,000 | $ 258,000 | $ 310,000 |
| Shelby, Alabama | 1 | $ 234,000 | $ 234,000 | $ 72,000 |
| Calaveras, California | 1 | $ 240,000 | $ 240,000 | $ 174,000 |
| Mariposa, California | 1 | $ 200,000 | $ 200,000 | $ 49,000 |
| San Benito, California | 1 | $ 466,000 | $ 466,000 | $ 143,000 |
| Santa Cruz, California | 1 | $ 322,000 | $ 322,000 | $ 137,000 |
| Shasta, California | 1 | $ 130,000 | $ 130,000 | $ 37,000 |
| Yolo, California | 1 | $ 230,000 | $ 230,000 | $ 101,000 |
| Adams, Colorado | 1 | $ 287,000 | $ 287,000 | $ 50,000 |
| Denver, Colorado | 1 | $ 86,000 | $ 86,000 | $ 106,000 |
| Manatee, Florida | 1 | $ 134,000 | $ 134,000 | $ 60,000 |
| Pinellas, Florida | 1 | $ 270,000 | $ 270,000 | $ 31,000 |
| Volusia, Florida | 1 | $ 142,000 | $ 142,000 | $ 30,000 |
| Clayton, Georgia | 1 | $ 151,000 | $ 151,000 | $ 39,000 |
| Forsyth, Georgia | 1 | $ 238,000 | $ 238,000 | $ 52,000 |
| Hall, Georgia | 1 | $ 182,000 | $ 182,000 | $ 36,000 |
| Troup, Georgia | 1 | $ 110,000 | $ 110,000 | $ 31,000 |
| Hawaii, Hawaii | 1 | $ 90,000 | $ 90,000 | $ 60,000 |
| Kauai, Hawaii | 1 | $ 388,000 | $ 388,000 | $ 70,000 |
| Harford, Maryland | 1 | $ 60,000 | $ 60,000 | $ 28,000 |
| Bergen, New Jersey | 1 | $ 468,000 | $ 468,000 | $ 97,000 |
| Richmond, New York | 1 | $ 625,000 | $ 625,000 | $ 160,000 |
| Williamson, Tennessee | 1 | $ 308,000 | $ 308,000 | $ 71,000 |
| Dallas, Texas | 1 | $ 152,000 | $ 152,000 | $ 64,000 |
| Fort Bend, Texas | 1 | $ 256,000 | $ 256,000 | $ 79,000 |
| Montgomery, Texas | 1 | $ 220,000 | $ 220,000 | $ 113,000 |
| Henrico, Virginia | 1 | $ 200,000 | $ 200,000 | $ 21,000 |
| Winchester, Virginia | 1 | $ 287,000 | $ 287,000 | $ 57,000 |
| Clark, Washington | 1 | $ 231,000 | $ 231,000 | $ 40,000 |
| King, Washington | 1 | $ 232,000 | $ 232,000 | $ 159,000 |
Mortgage Loan Application Detail Totals for Gateway Bank F.S.B. in 2014
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 |
|---|---|---|---|---|---|---|
| Home Purchase | 1,310 | $404,943,000 | $309,000 | $1,750,000 | $107,000 | $2,751,000 |
| Refinancing | 1,051 | $337,858,000 | $321,000 | $20,843,000 | $121,000 | $1,359,000 |
| Home Improvement | 1 | $305,000 | $305,000 | $305,000 | $150,000 | $150,000 |
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 |
|---|---|---|---|---|---|---|
| White | 874 | $286,811,000 | $328,000 | $1,750,000 | $134,000 | $1,359,000 |
| Asian | 644 | $206,450,000 | $320,000 | $1,136,000 | $111,000 | $635,000 |
| Hispanic | 607 | $158,105,000 | $260,000 | $1,500,000 | $85,000 | $2,751,000 |
| Not Provided | 147 | $67,132,000 | $456,000 | $20,843,000 | $130,000 | $362,000 |
| Black or African American | 68 | $18,164,000 | $267,000 | $601,000 | $80,000 | $183,000 |
| Native Hawaiian or Other Pacific Islander | 17 | $4,711,000 | $277,000 | $546,000 | $101,000 | $239,000 |
| American Indian or Alaskan Native | 5 | $1,733,000 | $346,000 | $469,000 | $111,000 | $165,000 |
| 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) | 1,952 | $622,044,000 | $318,000 | $20,843,000 | $120,000 | $2,751,000 |
| FHA-insured (Federal Housing Administration) | 353 | $102,852,000 | $291,000 | $636,000 | $78,000 | $262,000 |
| VA-guaranteed (Veterans Administration) | 56 | $17,873,000 | $319,000 | $550,000 | $87,000 | $201,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $337,000 | $337,000 | $337,000 | $67,000 | $67,000 |
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 | 2,338 | $710,507,000 | $303,000 | $1,750,000 | $111,000 | $2,751,000 |
| Loan Originated | 20 | $30,593,000 | $1,529,000 | $20,843,000 | $332,000 | $904,000 |
| Application Withdrawn By Applicant | 4 | $2,006,000 | $501,000 | $714,000 | $214,000 | $472,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Denied By Financial Institution | 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 |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Gateway Bank F.S.B.'s 2014 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.
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