Gateway Bank, FSB Mortgage Lending & HMDA Data, 2003
In 2003, Gateway Bank, FSB of San Leandro, CA reported 24,512 mortgage applications totaling $6.2 billion. The average application was for $251,546, and applicants reported an average income of $100,247. 12% of its applications resulted in an originated loan and 1% were denied. Its largest markets were Los Angeles-Long Beach, CA (3,951), Oakland, CA (2,908) and San Francisco, CA (2,639) (applications in parentheses).
| Mortgage Company & Address | Gateway Bank, FSB 2336 Merced Street San Leandro, CA 94577 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 24,512 |
| Total Mortgage Loan Application Amount | $6,165,896,000 |
| Average Mortgage Loan Application Amount | $251,546 |
| Highest Mortgage Loan Application Amount | $4,000,000 |
| Average Applicant Income | $100,247 |
| Highest Applicant Income | $7,524,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Gateway Bank, FSB filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 3,951 | $ 905,744,000 | $ 229,244 | $ 81,000 |
| Orange, California | 2,120 | $ 546,615,000 | $ 257,837 | $ 109,000 |
| Santa Clara, California | 1,847 | $ 589,839,000 | $ 319,349 | $ 119,000 |
| San Diego, California | 1,771 | $ 435,210,000 | $ 245,742 | $ 89,000 |
| Alameda, California | 1,585 | $ 443,123,000 | $ 279,572 | $ 114,000 |
| Contra Costa, California | 1,324 | $ 362,356,000 | $ 273,682 | $ 94,000 |
| San Francisco, California | 918 | $ 366,364,000 | $ 399,089 | $ 167,000 |
| San Mateo, California | 908 | $ 331,729,000 | $ 365,340 | $ 146,000 |
| Riverside, California | 863 | $ 163,331,000 | $ 189,259 | $ 72,000 |
| Marin, California | 813 | $ 347,085,000 | $ 426,918 | $ 148,000 |
| San Bernardino, California | 773 | $ 136,719,000 | $ 176,868 | $ 77,000 |
| Sacramento, California | 528 | $ 89,806,000 | $ 170,087 | $ 70,000 |
| Sonoma, California | 523 | $ 142,857,000 | $ 273,149 | $ 83,000 |
| Maricopa, Arizona | 466 | $ 88,787,000 | $ 190,530 | $ 118,000 |
| Clark, Nevada | 465 | $ 69,859,000 | $ 150,234 | $ 73,000 |
| Salt Lake, Utah | 464 | $ 63,896,000 | $ 137,706 | $ 67,000 |
| Ventura, California | 353 | $ 86,228,000 | $ 244,271 | $ 86,000 |
| Solano, California | 224 | $ 47,745,000 | $ 213,147 | $ 77,000 |
| San Joaquin, California | 223 | $ 39,545,000 | $ 177,331 | $ 76,000 |
| Stanislaus, California | 193 | $ 29,228,000 | $ 151,440 | $ 62,000 |
| Santa Cruz, California | 181 | $ 51,148,000 | $ 282,585 | $ 90,000 |
| Santa Barbara, California | 168 | $ 36,005,000 | $ 214,315 | $ 76,000 |
| King, Washington | 157 | $ 47,654,000 | $ 303,528 | $ 123,000 |
| Pima, Arizona | 156 | $ 32,953,000 | $ 211,237 | $ 117,000 |
| Placer, California | 153 | $ 37,769,000 | $ 246,856 | $ 295,000 |
| Monterey, California | 130 | $ 43,984,000 | $ 338,338 | $ 198,000 |
| Fresno, California | 106 | $ 14,871,000 | $ 140,292 | $ 80,000 |
| Utah, Utah | 92 | $ 15,316,000 | $ 166,478 | $ 50,000 |
| Shasta, California | 90 | $ 13,228,000 | $ 146,977 | $ 60,000 |
| Davis, Utah | 85 | $ 13,444,000 | $ 158,164 | $ 61,000 |
| San Luis Obispo, California | 84 | $ 21,621,000 | $ 257,392 | $ 125,000 |
| Kern, California | 82 | $ 10,177,000 | $ 124,109 | $ 79,000 |
| Napa, California | 67 | $ 20,026,000 | $ 298,895 | $ 135,000 |
| El Dorado, California | 60 | $ 13,914,000 | $ 231,900 | $ 123,000 |
| Nevada, California | 54 | $ 13,726,000 | $ 254,185 | $ 111,000 |
| Washoe, Nevada | 52 | $ 10,176,000 | $ 195,692 | $ 121,000 |
| San Benito, California | 50 | $ 12,167,000 | $ 243,340 | $ 91,000 |
| Merced, California | 49 | $ 7,562,000 | $ 154,326 | $ 63,000 |
| Yolo, California | 49 | $ 10,207,000 | $ 208,306 | $ 122,000 |
| Weber, Utah | 42 | $ 5,507,000 | $ 131,119 | $ 31,000 |
| Snohomish, Washington | 36 | $ 7,773,000 | $ 215,916 | $ 84,000 |
| Multnomah, Oregon | 34 | $ 5,320,000 | $ 156,470 | $ 101,000 |
| Butte, California | 32 | $ 5,696,000 | $ 178,000 | $ 62,000 |
| Calaveras, California | 29 | $ 5,669,000 | $ 195,482 | $ 110,000 |
| Miami-Dade, Florida | 28 | $ 4,267,000 | $ 152,392 | $ 51,000 |
| Tuolumne, California | 27 | $ 4,399,000 | $ 162,925 | $ 98,000 |
| Baltimore, Maryland | 27 | $ 3,679,000 | $ 136,259 | $ 38,000 |
| Washington, Oregon | 24 | $ 4,147,000 | $ 172,791 | $ 66,000 |
| Pierce, Washington | 24 | $ 5,480,000 | $ 228,333 | $ 80,000 |
| Mendocino, California | 21 | $ 4,746,000 | $ 226,000 | $ 96,000 |
| Cook, Illinois | 20 | $ 3,146,000 | $ 157,300 | $ 72,000 |
| Tulare, California | 19 | $ 2,308,000 | $ 121,473 | $ 70,000 |
| Clackamas, Oregon | 17 | $ 3,304,000 | $ 194,352 | $ 53,000 |
| Amador, California | 16 | $ 2,643,000 | $ 165,187 | $ 72,000 |
| Honolulu, Hawaii | 16 | $ 4,011,000 | $ 250,687 | $ 127,000 |
| Anne Arundel, Maryland | 16 | $ 2,767,000 | $ 172,937 | $ 37,000 |
| Nassau, New York | 16 | $ 4,418,000 | $ 276,125 | $ 62,000 |
| Lake, California | 15 | $ 2,341,000 | $ 156,066 | $ 98,000 |
| Tehama, California | 13 | $ 1,664,000 | $ 128,000 | $ 61,000 |
| Broward, Florida | 13 | $ 2,192,000 | $ 168,615 | $ 51,000 |
| DuPage, Illinois | 13 | $ 2,618,000 | $ 201,384 | $ 126,000 |
| Washington, Utah | 13 | $ 1,738,000 | $ 133,692 | $ 23,000 |
| Madera, California | 12 | $ 2,451,000 | $ 204,250 | $ 128,000 |
| Orange, Florida | 12 | $ 1,726,000 | $ 143,833 | $ 76,000 |
| Howard, Maryland | 12 | $ 2,168,000 | $ 180,666 | $ 56,000 |
| Suffolk, New York | 12 | $ 2,582,000 | $ 215,166 | $ 160,000 |
| Tooele, Utah | 12 | $ 1,467,000 | $ 122,250 | $ 31,000 |
| Humboldt, California | 11 | $ 1,815,000 | $ 165,000 | $ 58,000 |
| Volusia, Florida | 11 | $ 1,168,000 | $ 106,181 | $ 49,000 |
| Fairfax, Virginia | 11 | $ 2,032,000 | $ 184,727 | $ 82,000 |
| Thurston, Washington | 11 | $ 1,930,000 | $ 175,454 | $ 57,000 |
| Mohave, Arizona | 10 | $ 1,362,000 | $ 136,200 | $ 74,000 |
| Palm Beach, Florida | 10 | $ 1,561,000 | $ 156,100 | $ 68,000 |
| Baltimore City, Maryland | 10 | $ 1,241,000 | $ 124,100 | $ 70,000 |
| Queens, New York | 10 | $ 2,924,000 | $ 292,400 | $ 207,000 |
| Yavapai, Arizona | 9 | $ 1,210,000 | $ 134,444 | $ 49,000 |
| Sutter, California | 9 | $ 1,581,000 | $ 175,666 | $ 119,000 |
| Arapahoe, Colorado | 9 | $ 1,671,000 | $ 185,666 | $ 45,000 |
| New Haven, Connecticut | 9 | $ 1,263,000 | $ 140,333 | $ 182,000 |
| Carson City, Nevada | 9 | $ 1,454,000 | $ 161,555 | $ 81,000 |
| Clark, Washington | 9 | $ 1,509,000 | $ 167,666 | $ 109,000 |
| Mono, California | 8 | $ 1,790,000 | $ 223,750 | $ 108,000 |
| Hawaii, Hawaii | 8 | $ 5,254,000 | $ 656,750 | $ 226,000 |
| Montgomery, Maryland | 8 | $ 1,656,000 | $ 207,000 | $ 47,000 |
| Cache, Utah | 8 | $ 954,000 | $ 119,250 | $ 29,000 |
| Summit, Utah | 8 | $ 4,588,000 | $ 573,500 | $ 377,000 |
| Pinal, Arizona | 7 | $ 1,470,000 | $ 210,000 | $ 70,000 |
| Plumas, California | 7 | $ 880,000 | $ 125,714 | $ 98,000 |
| Hartford, Connecticut | 7 | $ 1,094,000 | $ 156,285 | $ 57,000 |
| Seminole, Florida | 7 | $ 851,000 | $ 121,571 | $ 50,000 |
| Maui, Hawaii | 7 | $ 1,400,000 | $ 200,000 | $ 89,000 |
| Prince George's, Maryland | 7 | $ 1,235,000 | $ 176,428 | $ 90,000 |
| Kitsap, Washington | 7 | $ 1,924,000 | $ 274,857 | $ 79,000 |
| Cochise, Arizona | 6 | $ 1,057,000 | $ 176,166 | $ 94,000 |
| Kings, California | 6 | $ 791,000 | $ 131,833 | $ 79,000 |
| Yuba, California | 6 | $ 878,000 | $ 146,333 | $ 63,000 |
| Brevard, Florida | 6 | $ 706,000 | $ 117,666 | $ 56,000 |
| Duval, Florida | 6 | $ 796,000 | $ 132,666 | $ 57,000 |
| Leon, Florida | 6 | $ 684,000 | $ 114,000 | $ 62,000 |
| Carroll, Maryland | 6 | $ 989,000 | $ 164,833 | $ 69,000 |
| Harford, Maryland | 6 | $ 858,000 | $ 143,000 | $ 40,000 |
| Wayne, Michigan | 6 | $ 726,000 | $ 121,000 | $ 50,000 |
| Greenville, South Carolina | 6 | $ 1,152,000 | $ 192,000 | $ 79,000 |
| Denver, Colorado | 5 | $ 965,000 | $ 193,000 | $ 103,000 |
| Collier, Florida | 5 | $ 922,000 | $ 184,400 | $ 150,000 |
| Hillsborough, Florida | 5 | $ 745,000 | $ 149,000 | $ 57,000 |
| Pinellas, Florida | 5 | $ 880,000 | $ 176,000 | $ 56,000 |
| Ada, Idaho | 5 | $ 821,000 | $ 164,200 | $ 59,000 |
| Suffolk, Massachusetts | 5 | $ 1,709,000 | $ 341,800 | $ 190,000 |
| Oakland, Michigan | 5 | $ 1,242,000 | $ 248,400 | $ 100,000 |
| Douglas, Nevada | 5 | $ 1,055,000 | $ 211,000 | $ 76,000 |
| Middlesex, New Jersey | 5 | $ 1,101,000 | $ 220,200 | $ 129,000 |
| Kings, New York | 5 | $ 802,000 | $ 160,400 | $ 71,000 |
| Lane, Oregon | 5 | $ 565,000 | $ 113,000 | $ 59,000 |
| Box Elder, Utah | 5 | $ 636,000 | $ 127,200 | $ 50,000 |
| Prince William, Virginia | 5 | $ 1,227,000 | $ 245,400 | $ 82,000 |
| Gila, Arizona | 4 | $ 410,000 | $ 102,500 | $ 28,000 |
| Imperial, California | 4 | $ 539,000 | $ 134,750 | $ 99,000 |
| Mariposa, California | 4 | $ 661,000 | $ 165,250 | $ 67,000 |
| Adams, Colorado | 4 | $ 768,000 | $ 192,000 | $ 43,000 |
| Lake, Florida | 4 | $ 723,000 | $ 180,750 | $ 65,000 |
| Allegan, Michigan | 4 | $ 398,000 | $ 99,500 | $ 51,000 |
| Macomb, Michigan | 4 | $ 541,000 | $ 135,250 | $ 72,000 |
| Lyon, Nevada | 4 | $ 777,000 | $ 194,250 | $ 274,000 |
| Bernalillo, New Mexico | 4 | $ 365,000 | $ 91,250 | $ 103,000 |
| Bronx, New York | 4 | $ 905,000 | $ 226,250 | $ 85,000 |
| Westchester, New York | 4 | $ 1,040,000 | $ 260,000 | $ 158,000 |
| Mecklenburg, North Carolina | 4 | $ 564,000 | $ 141,000 | $ 78,000 |
| Jackson, Oregon | 4 | $ 911,000 | $ 227,750 | $ 101,000 |
| Linn, Oregon | 4 | $ 485,000 | $ 121,250 | $ 46,000 |
| Marion, Oregon | 4 | $ 422,000 | $ 105,500 | $ 63,000 |
| Wasatch, Utah | 4 | $ 824,000 | $ 206,000 | $ 22,000 |
| Loudoun, Virginia | 4 | $ 865,000 | $ 216,250 | $ 82,000 |
| Anchorage, Alaska | 3 | $ 943,000 | $ 314,333 | $ 168,000 |
| Inyo, California | 3 | $ 609,000 | $ 203,000 | $ 95,000 |
| Siskiyou, California | 3 | $ 326,000 | $ 108,666 | $ 76,000 |
| New London, Connecticut | 3 | $ 533,000 | $ 177,666 | $ 80,000 |
| Alachua, Florida | 3 | $ 290,000 | $ 96,666 | $ 65,000 |
| Flagler, Florida | 3 | $ 339,000 | $ 113,000 | $ 32,000 |
| Lee, Florida | 3 | $ 194,000 | $ 64,666 | $ 36,000 |
| Marion, Florida | 3 | $ 201,000 | $ 67,000 | $ 29,000 |
| Martin, Florida | 3 | $ 417,000 | $ 139,000 | $ 61,000 |
| St. Lucie, Florida | 3 | $ 295,000 | $ 98,333 | $ 76,000 |
| Walton, Florida | 3 | $ 558,000 | $ 186,000 | $ 111,000 |
| Kauai, Hawaii | 3 | $ 945,000 | $ 315,000 | $ 77,000 |
| Kane, Illinois | 3 | $ 472,000 | $ 157,333 | $ 60,000 |
| McHenry, Illinois | 3 | $ 365,000 | $ 121,666 | $ 92,000 |
| Will, Illinois | 3 | $ 629,000 | $ 209,666 | $ 58,000 |
| Middlesex, Massachusetts | 3 | $ 458,000 | $ 152,666 | $ 91,000 |
| Hennepin, Minnesota | 3 | $ 620,000 | $ 206,666 | $ 76,000 |
| Lancaster, Nebraska | 3 | $ 655,000 | $ 218,333 | $ 109,000 |
| Nye, Nevada | 3 | $ 254,000 | $ 84,666 | $ 75,000 |
| Burlington, New Jersey | 3 | $ 456,000 | $ 152,000 | $ 72,000 |
| Richmond, New York | 3 | $ 574,000 | $ 191,333 | $ 74,000 |
| Hamilton, Ohio | 3 | $ 408,000 | $ 136,000 | $ 63,000 |
| Polk, Oregon | 3 | $ 239,000 | $ 79,666 | $ 46,000 |
| Virginia Beach, Virginia | 3 | $ 475,000 | $ 158,333 | $ 66,000 |
| Coconino, Arizona | 2 | $ 416,000 | $ 208,000 | $ 87,000 |
| Navajo, Arizona | 2 | $ 390,000 | $ 195,000 | $ 176,000 |
| Washington, Arkansas | 2 | $ 176,000 | $ 88,000 | $ 60,000 |
| Colusa, California | 2 | $ 275,000 | $ 137,500 | $ 54,000 |
| Del Norte, California | 2 | $ 217,000 | $ 108,500 | $ 42,000 |
| Glenn, California | 2 | $ 365,000 | $ 182,500 | $ 38,000 |
| Sierra, California | 2 | $ 215,000 | $ 107,500 | $ 55,000 |
| Boulder, Colorado | 2 | $ 970,000 | $ 485,000 | $ 148,000 |
| El Paso, Colorado | 2 | $ 363,000 | $ 181,500 | $ 69,000 |
| Fairfield, Connecticut | 2 | $ 808,000 | $ 404,000 | $ 189,000 |
| Litchfield, Connecticut | 2 | $ 324,000 | $ 162,000 | $ 71,000 |
| Middlesex, Connecticut | 2 | $ 263,000 | $ 131,500 | $ 57,000 |
| Charlotte, Florida | 2 | $ 225,000 | $ 112,500 | $ 24,000 |
| Clay, Florida | 2 | $ 256,000 | $ 128,000 | $ 77,000 |
| Manatee, Florida | 2 | $ 472,000 | $ 236,000 | $ 82,000 |
| Nassau, Florida | 2 | $ 441,000 | $ 220,500 | $ 91,000 |
| Osceola, Florida | 2 | $ 200,000 | $ 100,000 | $ 53,000 |
| Pasco, Florida | 2 | $ 101,000 | $ 50,500 | $ 29,000 |
| Santa Rosa, Florida | 2 | $ 262,000 | $ 131,000 | $ 53,000 |
| DeKalb, Georgia | 2 | $ 239,000 | $ 119,500 | $ 35,000 |
| Lee, Illinois | 2 | $ 158,000 | $ 79,000 | $ 71,000 |
| Madison, Illinois | 2 | $ 202,000 | $ 101,000 | $ 61,000 |
| Warren, Illinois | 2 | $ 63,000 | $ 31,500 | $ 48,000 |
| Vanderburgh, Indiana | 2 | $ 260,000 | $ 130,000 | $ 68,000 |
| Lafayette, Louisiana | 2 | $ 115,000 | $ 57,500 | $ 54,000 |
| Cecil, Maryland | 2 | $ 237,000 | $ 118,500 | $ 36,000 |
| Charles, Maryland | 2 | $ 185,000 | $ 92,500 | $ 107,000 |
| Queen Anne's, Maryland | 2 | $ 204,000 | $ 102,000 | $ 28,000 |
| Nantucket, Massachusetts | 2 | $ 532,000 | $ 266,000 | $ 212,000 |
| Ingham, Michigan | 2 | $ 174,000 | $ 87,000 | $ 60,000 |
| Isabella, Michigan | 2 | $ 68,000 | $ 34,000 | $ 39,000 |
| Van Buren, Michigan | 2 | $ 168,000 | $ 84,000 | $ 26,000 |
| Lamar, Mississippi | 2 | $ 69,000 | $ 34,500 | $ 35,000 |
| Ravalli, Montana | 2 | $ 225,000 | $ 112,500 | $ 41,000 |
| Hudson, New Jersey | 2 | $ 556,000 | $ 278,000 | $ 112,000 |
| Somerset, New Jersey | 2 | $ 238,000 | $ 119,000 | $ 129,000 |
| Santa Fe, New Mexico | 2 | $ 289,000 | $ 144,500 | $ 79,000 |
| Monroe, New York | 2 | $ 398,000 | $ 199,000 | $ 56,000 |
| Rensselaer, New York | 2 | $ 115,000 | $ 57,500 | $ 72,000 |
| Durham, North Carolina | 2 | $ 215,000 | $ 107,500 | $ 62,000 |
| Guilford, North Carolina | 2 | $ 233,000 | $ 116,500 | $ 51,000 |
| Union, North Carolina | 2 | $ 205,000 | $ 102,500 | $ 51,000 |
| Wake, North Carolina | 2 | $ 287,000 | $ 143,500 | $ 57,000 |
| Cass, North Dakota | 2 | $ 230,000 | $ 115,000 | $ 60,000 |
| Lawrence, Ohio | 2 | $ 55,000 | $ 27,500 | $ 21,000 |
| Cleveland, Oklahoma | 2 | $ 174,000 | $ 87,000 | $ 120,000 |
| Benton, Oregon | 2 | $ 356,000 | $ 178,000 | $ 81,000 |
| Columbia, Oregon | 2 | $ 262,000 | $ 131,000 | $ 102,000 |
| Deschutes, Oregon | 2 | $ 328,000 | $ 164,000 | $ 100,000 |
| Josephine, Oregon | 2 | $ 247,000 | $ 123,500 | $ 55,000 |
| Klamath, Oregon | 2 | $ 138,000 | $ 69,000 | $ 36,000 |
| Tillamook, Oregon | 2 | $ 89,000 | $ 44,500 | $ 22,000 |
| Allegheny, Pennsylvania | 2 | $ 95,000 | $ 47,500 | $ 32,000 |
| Hamilton, Tennessee | 2 | $ 122,000 | $ 61,000 | $ 125,000 |
| Bandera, Texas | 2 | $ 61,000 | $ 30,500 | $ 27,000 |
| Lee, Texas | 2 | $ 162,000 | $ 81,000 | $ 80,000 |
| Morgan, Utah | 2 | $ 226,000 | $ 113,000 | $ 40,000 |
| Arlington, Virginia | 2 | $ 537,000 | $ 268,500 | $ 182,000 |
| Chesapeake, Virginia | 2 | $ 409,000 | $ 204,500 | $ 78,000 |
| Chesterfield, Virginia | 2 | $ 189,000 | $ 94,500 | $ 56,000 |
| Franklin, Virginia | 2 | $ 190,000 | $ 95,000 | $ 34,000 |
| James City, Virginia | 2 | $ 156,000 | $ 78,000 | $ 87,000 |
| York, Virginia | 2 | $ 372,000 | $ 186,000 | $ 68,000 |
| Chelan, Washington | 2 | $ 212,000 | $ 106,000 | $ 70,000 |
| Douglas, Washington | 2 | $ 137,000 | $ 68,500 | $ 50,000 |
| Spokane, Washington | 2 | $ 247,000 | $ 123,500 | $ 57,000 |
| Whitman, Washington | 2 | $ 183,000 | $ 91,500 | $ 49,000 |
| Sublette, Wyoming | 2 | $ 147,000 | $ 73,500 | $ 57,000 |
| Barbour, Alabama | 1 | $ 51,000 | $ 51,000 | $ 167,000 |
| Matanuska-Susitna, Alaska | 1 | $ 323,000 | $ 323,000 | $ 82,000 |
| Santa Cruz, Arizona | 1 | $ 369,000 | $ 369,000 | $ 180,000 |
| Lassen, California | 1 | $ 183,000 | $ 183,000 | $ 58,000 |
| Modoc, California | 1 | $ 171,000 | $ 171,000 | $ 46,000 |
| Trinity, California | 1 | $ 138,000 | $ 138,000 | $ 39,000 |
| Archuleta, Colorado | 1 | $ 211,000 | $ 211,000 | $ 96,000 |
| Douglas, Colorado | 1 | $ 211,000 | $ 211,000 | $ 90,000 |
| Fremont, Colorado | 1 | $ 58,000 | $ 58,000 | $ 20,000 |
| Gilpin, Colorado | 1 | $ 291,000 | $ 291,000 | $ 89,000 |
| Jefferson, Colorado | 1 | $ 100,000 | $ 100,000 | $ 86,000 |
| Larimer, Colorado | 1 | $ 35,000 | $ 35,000 | $ 43,000 |
| Mesa, Colorado | 1 | $ 151,000 | $ 151,000 | $ 109,000 |
| Montrose, Colorado | 1 | $ 172,000 | $ 172,000 | $ 181,000 |
| Pueblo, Colorado | 1 | $ 130,000 | $ 130,000 | $ 0 |
| Routt, Colorado | 1 | $ 249,000 | $ 249,000 | $ 496,000 |
| Summit, Colorado | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Windham, Connecticut | 1 | $ 150,000 | $ 150,000 | $ 86,000 |
| Bay, Florida | 1 | $ 64,000 | $ 64,000 | $ 44,000 |
| Hardee, Florida | 1 | $ 168,000 | $ 168,000 | $ 75,000 |
| Hernando, Florida | 1 | $ 86,000 | $ 86,000 | $ 0 |
| Indian River, Florida | 1 | $ 89,000 | $ 89,000 | $ 42,000 |
| Polk, Florida | 1 | $ 127,000 | $ 127,000 | $ 34,000 |
| Putnam, Florida | 1 | $ 42,000 | $ 42,000 | $ 24,000 |
| Sarasota, Florida | 1 | $ 104,000 | $ 104,000 | $ 28,000 |
| St. Johns, Florida | 1 | $ 202,000 | $ 202,000 | $ 111,000 |
| Dawson, Georgia | 1 | $ 100,000 | $ 100,000 | $ 72,000 |
| Douglas, Georgia | 1 | $ 128,000 | $ 128,000 | $ 90,000 |
| Fulton, Georgia | 1 | $ 524,000 | $ 524,000 | $ 187,000 |
| Bannock, Idaho | 1 | $ 85,000 | $ 85,000 | $ 30,000 |
| Bonner, Idaho | 1 | $ 110,000 | $ 110,000 | $ 40,000 |
| Bonneville, Idaho | 1 | $ 222,000 | $ 222,000 | $ 68,000 |
| Jerome, Idaho | 1 | $ 82,000 | $ 82,000 | $ 45,000 |
| Kootenai, Idaho | 1 | $ 125,000 | $ 125,000 | $ 52,000 |
| Valley, Idaho | 1 | $ 136,000 | $ 136,000 | $ 46,000 |
| Boone, Illinois | 1 | $ 68,000 | $ 68,000 | $ 30,000 |
| Champaign, Illinois | 1 | $ 84,000 | $ 84,000 | $ 35,000 |
| Clinton, Illinois | 1 | $ 105,000 | $ 105,000 | $ 78,000 |
| Kankakee, Illinois | 1 | $ 95,000 | $ 95,000 | $ 47,000 |
| Lake, Illinois | 1 | $ 163,000 | $ 163,000 | $ 68,000 |
| Piatt, Illinois | 1 | $ 100,000 | $ 100,000 | $ 59,000 |
| Pike, Illinois | 1 | $ 48,000 | $ 48,000 | $ 25,000 |
| Tazewell, Illinois | 1 | $ 144,000 | $ 144,000 | $ 84,000 |
| Washington, Illinois | 1 | $ 125,000 | $ 125,000 | $ 118,000 |
| Allen, Indiana | 1 | $ 130,000 | $ 130,000 | $ 80,000 |
| Elkhart, Indiana | 1 | $ 99,000 | $ 99,000 | $ 65,000 |
| Hamilton, Indiana | 1 | $ 475,000 | $ 475,000 | $ 144,000 |
| Wayne, Indiana | 1 | $ 92,000 | $ 92,000 | $ 52,000 |
| Story, Iowa | 1 | $ 96,000 | $ 96,000 | $ 103,000 |
| Thomas, Kansas | 1 | $ 18,000 | $ 18,000 | $ 78,000 |
| Bullitt, Kentucky | 1 | $ 89,000 | $ 89,000 | $ 37,000 |
| Montgomery, Kentucky | 1 | $ 144,000 | $ 144,000 | $ 55,000 |
| Plaquemines, Louisiana | 1 | $ 68,000 | $ 68,000 | $ 23,000 |
| St. Mary, Louisiana | 1 | $ 74,000 | $ 74,000 | $ 26,000 |
| Cumberland, Maine | 1 | $ 99,000 | $ 99,000 | $ 37,000 |
| Waldo, Maine | 1 | $ 301,000 | $ 301,000 | $ 93,000 |
| Frederick, Maryland | 1 | $ 159,000 | $ 159,000 | $ 62,000 |
| Somerset, Maryland | 1 | $ 103,000 | $ 103,000 | $ 60,000 |
| St. Mary's, Maryland | 1 | $ 160,000 | $ 160,000 | $ 45,000 |
| Washington, Maryland | 1 | $ 112,000 | $ 112,000 | $ 33,000 |
| Wicomico, Maryland | 1 | $ 118,000 | $ 118,000 | $ 30,000 |
| Worcester, Maryland | 1 | $ 144,000 | $ 144,000 | $ 39,000 |
| Essex, Massachusetts | 1 | $ 272,000 | $ 272,000 | $ 98,000 |
| Norfolk, Massachusetts | 1 | $ 289,000 | $ 289,000 | $ 95,000 |
| Plymouth, Massachusetts | 1 | $ 166,000 | $ 166,000 | $ 52,000 |
| Worcester, Massachusetts | 1 | $ 140,000 | $ 140,000 | $ 32,000 |
| Clare, Michigan | 1 | $ 76,000 | $ 76,000 | $ 62,000 |
| Genesee, Michigan | 1 | $ 383,000 | $ 383,000 | $ 113,000 |
| Kent, Michigan | 1 | $ 68,000 | $ 68,000 | $ 26,000 |
| Menominee, Michigan | 1 | $ 96,000 | $ 96,000 | $ 25,000 |
| Midland, Michigan | 1 | $ 92,000 | $ 92,000 | $ 35,000 |
| Monroe, Michigan | 1 | $ 108,000 | $ 108,000 | $ 46,000 |
| Otsego, Michigan | 1 | $ 85,000 | $ 85,000 | $ 243,000 |
| Ottawa, Michigan | 1 | $ 120,000 | $ 120,000 | $ 38,000 |
| Roscommon, Michigan | 1 | $ 92,000 | $ 92,000 | $ 38,000 |
| St. Clair, Michigan | 1 | $ 268,000 | $ 268,000 | $ 78,000 |
| Washtenaw, Michigan | 1 | $ 76,000 | $ 76,000 | $ 36,000 |
| Anoka, Minnesota | 1 | $ 109,000 | $ 109,000 | $ 50,000 |
| Carver, Minnesota | 1 | $ 144,000 | $ 144,000 | $ 55,000 |
| Dakota, Minnesota | 1 | $ 221,000 | $ 221,000 | $ 102,000 |
| Douglas, Minnesota | 1 | $ 150,000 | $ 150,000 | $ 82,000 |
| Goodhue, Minnesota | 1 | $ 234,000 | $ 234,000 | $ 99,000 |
| DeSoto, Mississippi | 1 | $ 213,000 | $ 213,000 | $ 125,000 |
| Boone, Missouri | 1 | $ 180,000 | $ 180,000 | $ 113,000 |
| Jefferson, Missouri | 1 | $ 113,000 | $ 113,000 | $ 45,000 |
| St. Louis, Missouri | 1 | $ 50,000 | $ 50,000 | $ 127,000 |
| St. Louis City, Missouri | 1 | $ 63,000 | $ 63,000 | $ 37,000 |
| Warren, Missouri | 1 | $ 150,000 | $ 150,000 | $ 158,000 |
| Gallatin, Montana | 1 | $ 506,000 | $ 506,000 | $ 236,000 |
| Buffalo, Nebraska | 1 | $ 75,000 | $ 75,000 | $ 37,000 |
| Dodge, Nebraska | 1 | $ 114,000 | $ 114,000 | $ 48,000 |
| Gage, Nebraska | 1 | $ 100,000 | $ 100,000 | $ 89,000 |
| Humboldt, Nevada | 1 | $ 147,000 | $ 147,000 | $ 69,000 |
| Grafton, New Hampshire | 1 | $ 74,000 | $ 74,000 | $ 29,000 |
| Hillsborough, New Hampshire | 1 | $ 88,000 | $ 88,000 | $ 61,000 |
| Atlantic, New Jersey | 1 | $ 535,000 | $ 535,000 | $ 141,000 |
| Camden, New Jersey | 1 | $ 80,000 | $ 80,000 | $ 42,000 |
| Mercer, New Jersey | 1 | $ 246,000 | $ 246,000 | $ 164,000 |
| Morris, New Jersey | 1 | $ 305,000 | $ 305,000 | $ 57,000 |
| Passaic, New Jersey | 1 | $ 150,000 | $ 150,000 | $ 38,000 |
| Dona Ana, New Mexico | 1 | $ 436,000 | $ 436,000 | $ 120,000 |
| Grant, New Mexico | 1 | $ 21,000 | $ 21,000 | $ 10,000 |
| Sandoval, New Mexico | 1 | $ 114,000 | $ 114,000 | $ 48,000 |
| Chemung, New York | 1 | $ 46,000 | $ 46,000 | $ 26,000 |
| Cortland, New York | 1 | $ 105,000 | $ 105,000 | $ 81,000 |
| Delaware, New York | 1 | $ 47,000 | $ 47,000 | $ 50,000 |
| Essex, New York | 1 | $ 70,000 | $ 70,000 | $ 39,000 |
| Montgomery, New York | 1 | $ 69,000 | $ 69,000 | $ 40,000 |
| Niagara, New York | 1 | $ 56,000 | $ 56,000 | $ 56,000 |
| Ontario, New York | 1 | $ 22,000 | $ 22,000 | $ 96,000 |
| Orange, New York | 1 | $ 378,000 | $ 378,000 | $ 250,000 |
| Rockland, New York | 1 | $ 176,000 | $ 176,000 | $ 189,000 |
| Saratoga, New York | 1 | $ 173,000 | $ 173,000 | $ 57,000 |
| Schenectady, New York | 1 | $ 92,000 | $ 92,000 | $ 60,000 |
| Ulster, New York | 1 | $ 171,000 | $ 171,000 | $ 79,000 |
| Wayne, New York | 1 | $ 37,000 | $ 37,000 | $ 43,000 |
| Beaufort, North Carolina | 1 | $ 68,000 | $ 68,000 | $ 20,000 |
| Buncombe, North Carolina | 1 | $ 149,000 | $ 149,000 | $ 53,000 |
| Cabarrus, North Carolina | 1 | $ 270,000 | $ 270,000 | $ 77,000 |
| Duplin, North Carolina | 1 | $ 72,000 | $ 72,000 | $ 80,000 |
| Forsyth, North Carolina | 1 | $ 101,000 | $ 101,000 | $ 43,000 |
| Henderson, North Carolina | 1 | $ 133,000 | $ 133,000 | $ 65,000 |
| Hoke, North Carolina | 1 | $ 85,000 | $ 85,000 | $ 46,000 |
| Nash, North Carolina | 1 | $ 130,000 | $ 130,000 | $ 88,000 |
| Orange, North Carolina | 1 | $ 170,000 | $ 170,000 | $ 85,000 |
| Transylvania, North Carolina | 1 | $ 112,000 | $ 112,000 | $ 90,000 |
| Warren, North Carolina | 1 | $ 125,000 | $ 125,000 | $ 94,000 |
| Burleigh, North Dakota | 1 | $ 21,000 | $ 21,000 | $ 56,000 |
| Cuyahoga, Ohio | 1 | $ 240,000 | $ 240,000 | $ 95,000 |
| Greene, Ohio | 1 | $ 90,000 | $ 90,000 | $ 39,000 |
| Richland, Ohio | 1 | $ 46,000 | $ 46,000 | $ 59,000 |
| Summit, Ohio | 1 | $ 120,000 | $ 120,000 | $ 75,000 |
| Canadian, Oklahoma | 1 | $ 69,000 | $ 69,000 | $ 34,000 |
| Logan, Oklahoma | 1 | $ 94,000 | $ 94,000 | $ 49,000 |
| Oklahoma, Oklahoma | 1 | $ 261,000 | $ 261,000 | $ 100,000 |
| Curry, Oregon | 1 | $ 199,000 | $ 199,000 | $ 70,000 |
| Douglas, Oregon | 1 | $ 84,000 | $ 84,000 | $ 40,000 |
| Lincoln, Oregon | 1 | $ 170,000 | $ 170,000 | $ 99,000 |
| Umatilla, Oregon | 1 | $ 178,000 | $ 178,000 | $ 144,000 |
| Yamhill, Oregon | 1 | $ 148,000 | $ 148,000 | $ 146,000 |
| Bucks, Pennsylvania | 1 | $ 171,000 | $ 171,000 | $ 68,000 |
| Chester, Pennsylvania | 1 | $ 169,000 | $ 169,000 | $ 109,000 |
| Dauphin, Pennsylvania | 1 | $ 98,000 | $ 98,000 | $ 0 |
| Lehigh, Pennsylvania | 1 | $ 213,000 | $ 213,000 | $ 90,000 |
| Northampton, Pennsylvania | 1 | $ 115,000 | $ 115,000 | $ 85,000 |
| Philadelphia, Pennsylvania | 1 | $ 104,000 | $ 104,000 | $ 67,000 |
| Kent, Rhode Island | 1 | $ 125,000 | $ 125,000 | $ 54,000 |
| Washington, Rhode Island | 1 | $ 700,000 | $ 700,000 | $ 0 |
| Beaufort, South Carolina | 1 | $ 70,000 | $ 70,000 | $ 38,000 |
| Horry, South Carolina | 1 | $ 242,000 | $ 242,000 | $ 60,000 |
| Lee, South Carolina | 1 | $ 87,000 | $ 87,000 | $ 45,000 |
| Oconee, South Carolina | 1 | $ 111,000 | $ 111,000 | $ 44,000 |
| York, South Carolina | 1 | $ 69,000 | $ 69,000 | $ 44,000 |
| Brown, South Dakota | 1 | $ 150,000 | $ 150,000 | $ 54,000 |
| Lawrence, South Dakota | 1 | $ 98,000 | $ 98,000 | $ 38,000 |
| Minnehaha, South Dakota | 1 | $ 240,000 | $ 240,000 | $ 119,000 |
| Pennington, South Dakota | 1 | $ 88,000 | $ 88,000 | $ 60,000 |
| Davidson, Tennessee | 1 | $ 143,000 | $ 143,000 | $ 48,000 |
| Hamblen, Tennessee | 1 | $ 110,000 | $ 110,000 | $ 34,000 |
| Macon, Tennessee | 1 | $ 140,000 | $ 140,000 | $ 48,000 |
| Marion, Tennessee | 1 | $ 77,000 | $ 77,000 | $ 43,000 |
| Roane, Tennessee | 1 | $ 186,000 | $ 186,000 | $ 60,000 |
| Rutherford, Tennessee | 1 | $ 99,000 | $ 99,000 | $ 50,000 |
| Smith, Tennessee | 1 | $ 66,000 | $ 66,000 | $ 199,000 |
| Williamson, Tennessee | 1 | $ 90,000 | $ 90,000 | $ 87,000 |
| Ector, Texas | 1 | $ 67,000 | $ 67,000 | $ 95,000 |
| Galveston, Texas | 1 | $ 106,000 | $ 106,000 | $ 123,000 |
| Gregg, Texas | 1 | $ 87,000 | $ 87,000 | $ 59,000 |
| Tarrant, Texas | 1 | $ 110,000 | $ 110,000 | $ 49,000 |
| Wharton, Texas | 1 | $ 66,000 | $ 66,000 | $ 39,000 |
| Winkler, Texas | 1 | $ 52,000 | $ 52,000 | $ 30,000 |
| Carbon, Utah | 1 | $ 79,000 | $ 79,000 | $ 26,000 |
| San Juan, Utah | 1 | $ 78,000 | $ 78,000 | $ 40,000 |
| Sanpete, Utah | 1 | $ 107,000 | $ 107,000 | $ 0 |
| Alexandria, Virginia | 1 | $ 379,000 | $ 379,000 | $ 105,000 |
| Fauquier, Virginia | 1 | $ 383,000 | $ 383,000 | $ 188,000 |
| Fluvanna, Virginia | 1 | $ 130,000 | $ 130,000 | $ 54,000 |
| Hanover, Virginia | 1 | $ 92,000 | $ 92,000 | $ 40,000 |
| Henrico, Virginia | 1 | $ 87,000 | $ 87,000 | $ 50,000 |
| Norfolk, Virginia | 1 | $ 117,000 | $ 117,000 | $ 8,000 |
| Pittsylvania, Virginia | 1 | $ 113,000 | $ 113,000 | $ 58,000 |
| Roanoke, Virginia | 1 | $ 185,000 | $ 185,000 | $ 135,000 |
| Spotsylvania, Virginia | 1 | $ 166,000 | $ 166,000 | $ 42,000 |
| Stafford, Virginia | 1 | $ 189,000 | $ 189,000 | $ 54,000 |
| Waynesboro, Virginia | 1 | $ 156,000 | $ 156,000 | $ 48,000 |
| Wise, Virginia | 1 | $ 90,000 | $ 90,000 | $ 27,000 |
| Clallam, Washington | 1 | $ 65,000 | $ 65,000 | $ 97,000 |
| Cowlitz, Washington | 1 | $ 185,000 | $ 185,000 | $ 86,000 |
| Franklin, Washington | 1 | $ 142,000 | $ 142,000 | $ 69,000 |
| Grant, Washington | 1 | $ 188,000 | $ 188,000 | $ 289,000 |
| Skagit, Washington | 1 | $ 149,000 | $ 149,000 | $ 84,000 |
| Whatcom, Washington | 1 | $ 221,000 | $ 221,000 | $ 84,000 |
| Yakima, Washington | 1 | $ 94,000 | $ 94,000 | $ 45,000 |
| Hancock, West Virginia | 1 | $ 65,000 | $ 65,000 | $ 36,000 |
| Vilas, Wisconsin | 1 | $ 240,000 | $ 240,000 | $ 44,000 |
Mortgage Loan Application Detail Totals for Gateway Bank, FSB in 2003
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 (home purchase or home improvement, one-to-four family) | 19,946 | $5,101,451,000 | $172,955 | $4,000,000 | $79,755 | $7,524,000 |
| Home Purchase (one-to-four family) | 4,555 | $1,062,104,000 | $146,473 | $2,070,000 | $80,684 | $2,465,000 |
| Home Improvement (one-to-four family) | 11 | $2,341,000 | $169,000 | $500,000 | $47,000 | $156,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 13,897 | $3,723,999,000 | $183,860 | $4,000,000 | $91,441 | $4,441,000 |
| Information not provided by applicant in mail or telephone application | 3,213 | $718,915,000 | $150,055 | $1,650,000 | $73,166 | $2,400,000 |
| Asian or Pacific Islander | 3,192 | $870,363,000 | $222,555 | $2,000,000 | $96,555 | $7,524,000 |
| Hispanic | 2,320 | $436,575,000 | $147,533 | $2,350,000 | $54,666 | $3,085,000 |
| Other | 1,010 | $221,205,000 | $164,310 | $2,070,000 | $89,655 | $1,908,000 |
| Black | 443 | $88,581,000 | $157,235 | $793,000 | $80,470 | $1,200,000 |
| Not applicable | 372 | $90,302,000 | $162,000 | $1,000,000 | $69,500 | $522,000 |
| American Indian or Alaskan Native | 65 | $15,956,000 | $149,571 | $870,000 | $66,000 | $703,000 |
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) | 23,638 | $6,057,910,000 | $161,142 | $4,000,000 | $80,959 | $7,524,000 |
| FHA-insured (Federal Housing Administration) | 868 | $107,082,000 | $129,153 | $323,000 | $35,846 | $474,000 |
| VA-guaranteed (Veterans Administration) | 5 | $850,000 | $177,333 | $240,000 | $48,666 | $85,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $54,000 | $54,000 | $54,000 | $197,000 | $197,000 |
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 | 20,435 | $5,008,020,000 | $158,916 | $4,000,000 | $74,437 | $7,524,000 |
| Loan Originated | 2,936 | $811,773,000 | $207,071 | $2,600,000 | $152,214 | $1,923,000 |
| Application Approved But Not Accepted | 652 | $181,080,000 | $249,857 | $1,680,000 | $127,428 | $899,000 |
| Application Withdrawn By Applicant | 330 | $105,576,000 | $246,500 | $2,925,000 | $90,750 | $936,000 |
| Application Denied By Financial Institution | 151 | $56,048,000 | $707,375 | $4,000,000 | $275,375 | $4,441,000 |
| File Closed For Incompleteness | 8 | $3,399,000 | $424,000 | $1,250,000 | $142,000 | $450,000 |
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 | 60 | $21,603,000 | $857,333 | $4,000,000 | $279,333 | $1,959,000 |
| Debt-To-Income Ratio | 38 | $10,380,000 | $520,666 | $2,275,000 | $245,000 | $4,441,000 |
| Collateral | 20 | $5,357,000 | $197,666 | $1,180,000 | $177,333 | $786,000 |
| Other | 19 | $6,996,000 | $317,000 | $1,500,000 | $87,000 | $820,000 |
| Unverifiable Information | 5 | $5,678,000 | $1,135,000 | $2,450,000 | $130,000 | $513,000 |
| Employment History | 4 | $1,147,000 | $286,000 | $374,000 | $66,000 | $90,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $327,000 | $163,000 | $208,000 | $42,000 | $51,000 |
| Credit Application Incomplete | 2 | $4,316,000 | $2,158,000 | $4,000,000 | $541,000 | $917,000 |
| Mortgage Insurance Denied | 1 | $244,000 | $244,000 | $244,000 | $80,000 | $80,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Gateway Bank, FSB's 2003 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, FSB'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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