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Act (HMDA) records Gateway Bank F.S.B. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Los Angeles-Long Beach-Glendale, CA | 3,867 | $ 1,207,571,000 | $ 312,275 | $ 116,000 |
| Santa Ana-Anaheim-Irvine, CA | 1,762 | $ 577,908,000 | $ 327,984 | $ 121,000 |
| Riverside-San Bernardino-Ontario, CA | 1,198 | $ 251,310,000 | $ 209,774 | $ 103,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 592 | $ 233,946,000 | $ 395,179 | $ 139,000 |
| San Diego-Carlsbad-San Marcos, CA | 513 | $ 163,965,000 | $ 319,619 | $ 130,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 447 | $ 141,203,000 | $ 315,890 | $ 138,000 |
| Oakland-Fremont-Hayward, CA | 428 | $ 160,403,000 | $ 374,773 | $ 161,000 |
| Phoenix-Mesa-Glendale, AZ | 316 | $ 47,241,000 | $ 149,496 | $ 60,000 |
| Fresno, CA | 231 | $ 45,411,000 | $ 196,584 | $ 108,000 |
| Seattle-Bellevue-Everett, WA | 193 | $ 50,397,000 | $ 261,124 | $ 102,000 |
| San Francisco-San Mateo-Redwood City, CA | 189 | $ 85,040,000 | $ 449,947 | $ 163,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 180 | $ 48,307,000 | $ 268,372 | $ 108,100 |
| Atlanta-Sandy Springs-Marietta, GA | 148 | $ 24,048,000 | $ 162,486 | $ 64,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 140 | $ 34,562,000 | $ 246,871 | $ 139,000 |
| Philadelphia, PA | 119 | $ 32,048,000 | $ 269,310 | $ 150,000 |
| Denver-Aurora-Broomfield, CO | 88 | $ 19,710,000 | $ 223,977 | $ 89,000 |
| New York-White Plains-Wayne, NY-NJ | 79 | $ 25,072,000 | $ 317,367 | $ 109,848 |
| Edison-New Brunswick, NJ | 51 | $ 14,466,000 | $ 283,647 | $ 142,000 |
| Honolulu, HI | 40 | $ 14,009,000 | $ 350,225 | $ 95,000 |
| Stockton, CA | 38 | $ 7,548,000 | $ 198,631 | $ 108,000 |
| Bakersfield-Delano, CA | 36 | $ 5,747,000 | $ 159,638 | $ 82,000 |
| Modesto, CA | 35 | $ 6,129,000 | $ 175,114 | $ 159,000 |
| Santa Rosa-Petaluma, CA | 35 | $ 9,443,000 | $ 269,800 | $ 138,000 |
| Vallejo-Fairfield, CA | 35 | $ 7,425,000 | $ 212,142 | $ 200,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 33 | $ 10,004,000 | $ 303,151 | $ 112,000 |
| Wenatchee-East Wenatchee, WA | 32 | $ 6,679,000 | $ 208,718 | $ 120,000 |
| Newark-Union, NJ-PA | 28 | $ 8,768,000 | $ 313,142 | $ 161,142 |
| Salt Lake City, UT | 27 | $ 4,158,000 | $ 154,000 | $ 44,000 |
| San Luis Obispo-Paso Robles, CA | 26 | $ 7,390,000 | $ 284,230 | $ 270,000 |
| Albuquerque, NM | 25 | $ 4,365,000 | $ 174,600 | $ 99,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 25 | $ 5,710,000 | $ 228,400 | $ 128,280 |
| Nassau-Suffolk, NY | 25 | $ 7,801,000 | $ 312,040 | $ 117,000 |
| Bethesda-Rockville-Frederick, MD | 23 | $ 6,352,000 | $ 276,173 | $ 85,000 |
| Las Vegas-Paradise, NV | 23 | $ 3,152,000 | $ 137,043 | $ 89,000 |
| Dallas-Plano-Irving, TX | 22 | $ 4,915,000 | $ 223,409 | $ 131,000 |
| Harrisburg-Carlisle, PA | 20 | $ 5,009,000 | $ 250,450 | $ 122,000 |
| Salinas, CA | 20 | $ 6,447,000 | $ 322,350 | $ 189,000 |
| Baltimore-Towson, MD | 18 | $ 5,023,000 | $ 279,055 | $ 75,000 |
| Madera-Chowchilla, CA | 16 | $ 3,523,000 | $ 220,187 | $ 85,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 15 | $ 3,671,000 | $ 244,733 | $ 103,200 |
| Pittsburgh, PA | 14 | $ 3,313,000 | $ 236,642 | $ 141,000 |
| Trenton-Ewing, NJ | 14 | $ 3,796,000 | $ 271,142 | $ 161,000 |
| Chicago-Joliet-Naperville, IL | 13 | $ 2,855,000 | $ 219,615 | $ 137,000 |
| Santa Cruz-Watsonville, CA | 12 | $ 3,380,000 | $ 281,666 | $ 88,000 |
| Fort Collins-Loveland, CO | 10 | $ 2,121,000 | $ 212,100 | $ 79,000 |
| Tacoma, WA | 10 | $ 1,824,000 | $ 182,400 | $ 65,000 |
| Houston-Sugar Land-Baytown, TX | 8 | $ 1,727,000 | $ 215,875 | $ 126,000 |
| Lancaster, PA | 8 | $ 1,498,000 | $ 187,250 | $ 91,000 |
| Merced, CA | 8 | $ 1,027,000 | $ 128,375 | $ 66,000 |
| Visalia-Porterville, CA | 8 | $ 1,871,000 | $ 233,875 | $ 185,000 |
| York-Hanover, PA | 8 | $ 1,508,000 | $ 188,500 | $ 105,000 |
| Camden, NJ | 7 | $ 1,401,000 | $ 200,142 | $ 87,000 |
| Napa, CA | 7 | $ 2,527,000 | $ 361,000 | $ 109,000 |
| Ogden-Clearfield, UT | 7 | $ 1,151,000 | $ 164,428 | $ 63,000 |
| Orlando-Kissimmee-Sanford, FL | 7 | $ 1,331,000 | $ 190,142 | $ 102,000 |
| Austin-Round Rock-San Marcos, TX | 6 | $ 1,166,000 | $ 194,333 | $ 133,000 |
| Boise City-Nampa, ID | 6 | $ 1,305,000 | $ 217,500 | $ 121,000 |
| Charlottesville, VA | 6 | $ 1,434,000 | $ 239,000 | $ 81,000 |
| Colorado Springs, CO | 6 | $ 1,391,000 | $ 231,833 | $ 73,000 |
| Hanford-Corcoran, CA | 6 | $ 912,000 | $ 152,000 | $ 63,000 |
| Mount Vernon-Anacortes, WA | 6 | $ 1,758,000 | $ 293,000 | $ 109,000 |
| Ocean City, NJ | 6 | $ 1,920,000 | $ 320,000 | $ 196,000 |
| Provo-Orem, UT | 6 | $ 1,122,000 | $ 187,000 | $ 63,000 |
| Richmond, VA | 6 | $ 1,299,000 | $ 216,500 | $ 74,000 |
| Lake Havasu City-Kingman, AZ | 5 | $ 1,037,000 | $ 207,400 | $ 119,000 |
| Bellingham, WA | 4 | $ 1,093,000 | $ 273,250 | $ 92,000 |
| Boulder, CO | 4 | $ 1,037,000 | $ 259,250 | $ 125,000 |
| Bremerton-Silverdale, WA | 4 | $ 725,000 | $ 181,250 | $ 89,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 4 | $ 527,000 | $ 131,750 | $ 52,000 |
| Yuba City, CA | 4 | $ 514,000 | $ 128,500 | $ 97,000 |
| Athens-Clarke County, GA | 3 | $ 533,000 | $ 177,666 | $ 57,000 |
| Atlantic City-Hammonton, NJ | 3 | $ 971,000 | $ 323,666 | $ 107,000 |
| Fort Worth-Arlington, TX | 3 | $ 372,000 | $ 124,000 | $ 101,000 |
| Omaha-Council Bluffs, NE-IA | 3 | $ 463,000 | $ 154,333 | $ 104,000 |
| Raleigh-Cary, NC | 3 | $ 569,000 | $ 189,666 | $ 115,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 3 | $ 694,000 | $ 231,333 | $ 90,000 |
| Chattanooga, TN-GA | 2 | $ 485,000 | $ 242,500 | $ 85,500 |
| Chico, CA | 2 | $ 424,000 | $ 212,000 | $ 233,000 |
| Columbus, GA-AL | 2 | $ 483,000 | $ 241,500 | $ 66,000 |
| Corvallis, OR | 2 | $ 552,000 | $ 276,000 | $ 55,000 |
| Crestview-Fort Walton Beach-Destin, FL | 2 | $ 534,000 | $ 267,000 | $ 114,000 |
| Erie, PA | 2 | $ 285,000 | $ 142,500 | $ 96,000 |
| Greeley, CO | 2 | $ 359,000 | $ 179,500 | $ 96,000 |
| North Port-Bradenton-Sarasota, FL | 2 | $ 282,000 | $ 141,000 | $ 67,000 |
| Redding, CA | 2 | $ 407,000 | $ 203,500 | $ 73,000 |
| San Antonio-New Braunfels, TX | 2 | $ 339,000 | $ 169,500 | $ 88,000 |
| Santa Fe, NM | 2 | $ 240,000 | $ 120,000 | $ 46,000 |
| Spokane, WA | 2 | $ 271,000 | $ 135,500 | $ 72,000 |
| St. Louis, MO-IL | 2 | $ 171,000 | $ 85,500 | $ 65,000 |
| Tampa-St. Petersburg-Clearwater, FL | 2 | $ 386,000 | $ 193,000 | $ 138,000 |
| Tucson, AZ | 2 | $ 363,000 | $ 181,500 | $ 105,000 |
| Winchester, VA-WV | 2 | $ 401,000 | $ 200,500 | $ 112,000 |
| Bloomington-Normal, IL | 1 | $ 234,000 | $ 234,000 | $ 80,000 |
| Bridgeport-Stamford-Norwalk, CT | 1 | $ 201,000 | $ 201,000 | $ 177,000 |
| Cape Coral-Fort Myers, FL | 1 | $ 151,000 | $ 151,000 | $ 57,000 |
| Charlotte-Gastonia-Rock Hill, NC-SC | 1 | $ 290,000 | $ 290,000 | $ 197,000 |
| Clarksville, TN-KY | 1 | $ 136,000 | $ 136,000 | $ 41,000 |
| Danville, VA | 1 | $ 281,000 | $ 281,000 | $ 131,000 |
| Durham-Chapel Hill, NC | 1 | $ 165,000 | $ 165,000 | $ 101,000 |
| El Centro, CA | 1 | $ 122,000 | $ 122,000 | $ 80,000 |
| Flagstaff, AZ | 1 | $ 406,000 | $ 406,000 | $ 103,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 210,000 | $ 210,000 | $ 73,000 |
| Grand Junction, CO | 1 | $ 194,000 | $ 194,000 | $ 60,000 |
| Hartford-West Hartford-East Hartford, CT | 1 | $ 130,000 | $ 130,000 | $ 45,000 |
| Kennewick-Pasco-Richland, WA | 1 | $ 162,000 | $ 162,000 | $ 136,000 |
| Kingston, NY | 1 | $ 172,000 | $ 172,000 | $ 142,000 |
| Logan, UT-ID | 1 | $ 142,000 | $ 142,000 | $ 77,000 |
| Lynchburg, VA | 1 | $ 222,000 | $ 222,000 | $ 56,000 |
| Medford, OR | 1 | $ 331,000 | $ 331,000 | $ 92,000 |
| Miami-Miami Beach-Kendall, FL | 1 | $ 160,000 | $ 160,000 | $ 187,000 |
| Palm Coast, FL | 1 | $ 124,000 | $ 124,000 | $ 116,000 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 57,000 | $ 57,000 | $ 71,000 |
| Prescott, AZ | 1 | $ 106,000 | $ 106,000 | $ 152,000 |
| Rockford, IL | 1 | $ 164,000 | $ 164,000 | $ 124,000 |
| Salem, OR | 1 | $ 240,000 | $ 240,000 | $ 219,000 |
| Savannah, GA | 1 | $ 178,000 | $ 178,000 | $ 55,000 |
| Scranton--Wilkes-Barre, PA | 1 | $ 324,000 | $ 324,000 | $ 119,000 |
| Sebastian-Vero Beach, FL | 1 | $ 97,000 | $ 97,000 | $ 43,000 |
| State College, PA | 1 | $ 90,000 | $ 90,000 | $ 71,000 |
| Tuscaloosa, AL | 1 | $ 124,000 | $ 124,000 | $ 32,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 1 | $ 410,000 | $ 410,000 | $ 376,000 |
| Wilmington, DE-MD-NJ | 1 | $ 138,000 | $ 138,000 | $ 80,000 |
| Wilmington, NC | 1 | $ 195,000 | $ 195,000 | $ 77,000 |
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.
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