Gateway Bank, Fsb 2003 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| 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 | $161,116 |
| Highest Mortgage Loan Application Amount | $4,000,000 |
| Average Applicant Income | $79,023 |
| Highest Applicant Income | $7,524,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2003 with Gateway Bank, Fsb. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Gateway Bank, Fsb's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2003 breaks down Gateway Bank, Fsb's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Gateway Bank, Fsb serves its applicants.
Each category highlights the total number of mortgage applications processed by Gateway Bank, Fsb, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Gateway Bank, Fsb's mortgage activity for 2003.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Los Angeles County California | 3,951 | $ 905,744,000 | $ 229,000 | $ 81,000 |
| Orange County California | 2,120 | $ 546,615,000 | $ 257,000 | $ 109,000 |
| Santa Clara County California | 1,847 | $ 589,839,000 | $ 319,000 | $ 119,000 |
| San Diego County California | 1,771 | $ 435,210,000 | $ 245,000 | $ 89,000 |
| Alameda County California | 1,585 | $ 443,123,000 | $ 279,000 | $ 114,000 |
| Contra Costa County California | 1,324 | $ 362,356,000 | $ 273,000 | $ 94,000 |
| San Francisco County California | 918 | $ 366,364,000 | $ 399,000 | $ 167,000 |
| San Mateo County California | 908 | $ 331,729,000 | $ 365,000 | $ 146,000 |
| Riverside County California | 863 | $ 163,331,000 | $ 189,000 | $ 72,000 |
| Marin County California | 813 | $ 347,085,000 | $ 426,000 | $ 148,000 |
| San Bernardino County California | 773 | $ 136,719,000 | $ 176,000 | $ 77,000 |
| Sacramento County California | 528 | $ 89,806,000 | $ 170,000 | $ 70,000 |
| Sonoma County California | 523 | $ 142,857,000 | $ 273,000 | $ 83,000 |
| Maricopa County Arizona | 466 | $ 88,787,000 | $ 190,000 | $ 118,000 |
| Clark County Nevada | 465 | $ 69,859,000 | $ 150,000 | $ 73,000 |
| Salt Lake County Utah | 464 | $ 63,896,000 | $ 137,000 | $ 67,000 |
| Ventura County California | 353 | $ 86,228,000 | $ 244,000 | $ 86,000 |
| Solano County California | 224 | $ 47,745,000 | $ 213,000 | $ 77,000 |
| San Joaquin County California | 223 | $ 39,545,000 | $ 177,000 | $ 76,000 |
| Stanislaus County California | 193 | $ 29,228,000 | $ 151,000 | $ 62,000 |
| Santa Cruz County California | 181 | $ 51,148,000 | $ 282,000 | $ 90,000 |
| Santa Barbara County California | 168 | $ 36,005,000 | $ 214,000 | $ 76,000 |
| King County Washington | 157 | $ 47,654,000 | $ 303,000 | $ 123,000 |
| Pima County Arizona | 156 | $ 32,953,000 | $ 211,000 | $ 117,000 |
| Placer County California | 153 | $ 37,769,000 | $ 246,000 | $ 295,000 |
| Monterey County California | 130 | $ 43,984,000 | $ 338,000 | $ 198,000 |
| Fresno County California | 106 | $ 14,871,000 | $ 140,000 | $ 80,000 |
| Utah County Utah | 92 | $ 15,316,000 | $ 166,000 | $ 50,000 |
| Shasta County California | 90 | $ 13,228,000 | $ 146,000 | $ 60,000 |
| Davis County Utah | 85 | $ 13,444,000 | $ 158,000 | $ 61,000 |
| San Luis Obispo County California | 84 | $ 21,621,000 | $ 257,000 | $ 125,000 |
| Kern County California | 82 | $ 10,177,000 | $ 124,000 | $ 79,000 |
| Napa County California | 67 | $ 20,026,000 | $ 298,000 | $ 135,000 |
| El Dorado County California | 60 | $ 13,914,000 | $ 231,000 | $ 123,000 |
| Nevada County California | 54 | $ 13,726,000 | $ 254,000 | $ 111,000 |
| Washoe County Nevada | 52 | $ 10,176,000 | $ 195,000 | $ 121,000 |
| San Benito County California | 50 | $ 12,167,000 | $ 243,000 | $ 91,000 |
| Merced County California | 49 | $ 7,562,000 | $ 154,000 | $ 63,000 |
| Yolo County California | 49 | $ 10,207,000 | $ 208,000 | $ 122,000 |
| Weber County Utah | 42 | $ 5,507,000 | $ 131,000 | $ 31,000 |
| Snohomish County Washington | 36 | $ 7,773,000 | $ 215,000 | $ 84,000 |
| Multnomah County Oregon | 34 | $ 5,320,000 | $ 156,000 | $ 101,000 |
| Butte County California | 32 | $ 5,696,000 | $ 178,000 | $ 62,000 |
| Calaveras County California | 29 | $ 5,669,000 | $ 195,000 | $ 110,000 |
| Miami-Dade County Florida | 28 | $ 4,267,000 | $ 152,000 | $ 51,000 |
| Tuolumne County California | 27 | $ 4,399,000 | $ 162,000 | $ 98,000 |
| Baltimore County Maryland | 27 | $ 3,679,000 | $ 136,000 | $ 38,000 |
| Washington County Oregon | 24 | $ 4,147,000 | $ 172,000 | $ 66,000 |
| Pierce County Washington | 24 | $ 5,480,000 | $ 228,000 | $ 80,000 |
| Mendocino County California | 21 | $ 4,746,000 | $ 226,000 | $ 96,000 |
| Cook County Illinois | 20 | $ 3,146,000 | $ 157,000 | $ 72,000 |
| Tulare County California | 19 | $ 2,308,000 | $ 121,000 | $ 70,000 |
| Clackamas County Oregon | 17 | $ 3,304,000 | $ 194,000 | $ 53,000 |
| Amador County California | 16 | $ 2,643,000 | $ 165,000 | $ 72,000 |
| Honolulu County Hawaii | 16 | $ 4,011,000 | $ 250,000 | $ 127,000 |
| Anne Arundel County Maryland | 16 | $ 2,767,000 | $ 172,000 | $ 37,000 |
| Nassau County New York | 16 | $ 4,418,000 | $ 276,000 | $ 62,000 |
| Lake County California | 15 | $ 2,341,000 | $ 156,000 | $ 98,000 |
| Tehama County California | 13 | $ 1,664,000 | $ 128,000 | $ 61,000 |
| Broward County Florida | 13 | $ 2,192,000 | $ 168,000 | $ 51,000 |
| DuPage County Illinois | 13 | $ 2,618,000 | $ 201,000 | $ 126,000 |
| Washington County Utah | 13 | $ 1,738,000 | $ 133,000 | $ 23,000 |
| Madera County California | 12 | $ 2,451,000 | $ 204,000 | $ 128,000 |
| Orange County Florida | 12 | $ 1,726,000 | $ 143,000 | $ 76,000 |
| Howard County Maryland | 12 | $ 2,168,000 | $ 180,000 | $ 56,000 |
| Suffolk County New York | 12 | $ 2,582,000 | $ 215,000 | $ 160,000 |
| Tooele County Utah | 12 | $ 1,467,000 | $ 122,000 | $ 31,000 |
| Humboldt County California | 11 | $ 1,815,000 | $ 165,000 | $ 58,000 |
| Volusia County Florida | 11 | $ 1,168,000 | $ 106,000 | $ 49,000 |
| Fairfax County Virginia | 11 | $ 2,032,000 | $ 184,000 | $ 82,000 |
| Thurston County Washington | 11 | $ 1,930,000 | $ 175,000 | $ 57,000 |
| Mohave County Arizona | 10 | $ 1,362,000 | $ 136,000 | $ 74,000 |
| Palm Beach County Florida | 10 | $ 1,561,000 | $ 156,000 | $ 68,000 |
| Baltimore City County Maryland | 10 | $ 1,241,000 | $ 124,000 | $ 70,000 |
| Queens County New York | 10 | $ 2,924,000 | $ 292,000 | $ 207,000 |
| Yavapai County Arizona | 9 | $ 1,210,000 | $ 134,000 | $ 49,000 |
| Sutter County California | 9 | $ 1,581,000 | $ 175,000 | $ 119,000 |
| Arapahoe County Colorado | 9 | $ 1,671,000 | $ 185,000 | $ 45,000 |
| New Haven County Connecticut | 9 | $ 1,263,000 | $ 140,000 | $ 182,000 |
| Carson City County Nevada | 9 | $ 1,454,000 | $ 161,000 | $ 81,000 |
| Clark County Washington | 9 | $ 1,509,000 | $ 167,000 | $ 109,000 |
| Mono County California | 8 | $ 1,790,000 | $ 223,000 | $ 108,000 |
| Hawaii County Hawaii | 8 | $ 5,254,000 | $ 656,000 | $ 226,000 |
| Montgomery County Maryland | 8 | $ 1,656,000 | $ 207,000 | $ 47,000 |
| Cache County Utah | 8 | $ 954,000 | $ 119,000 | $ 29,000 |
| Summit County Utah | 8 | $ 4,588,000 | $ 573,000 | $ 377,000 |
| Pinal County Arizona | 7 | $ 1,470,000 | $ 210,000 | $ 70,000 |
| Plumas County California | 7 | $ 880,000 | $ 125,000 | $ 98,000 |
| Hartford County Connecticut | 7 | $ 1,094,000 | $ 156,000 | $ 57,000 |
| Seminole County Florida | 7 | $ 851,000 | $ 121,000 | $ 50,000 |
| Maui County Hawaii | 7 | $ 1,400,000 | $ 200,000 | $ 89,000 |
| Prince George's County Maryland | 7 | $ 1,235,000 | $ 176,000 | $ 90,000 |
| Kitsap County Washington | 7 | $ 1,924,000 | $ 274,000 | $ 79,000 |
| Cochise County Arizona | 6 | $ 1,057,000 | $ 176,000 | $ 94,000 |
| Kings County California | 6 | $ 791,000 | $ 131,000 | $ 79,000 |
| Yuba County California | 6 | $ 878,000 | $ 146,000 | $ 63,000 |
| Brevard County Florida | 6 | $ 706,000 | $ 117,000 | $ 56,000 |
| Duval County Florida | 6 | $ 796,000 | $ 132,000 | $ 57,000 |
| Leon County Florida | 6 | $ 684,000 | $ 114,000 | $ 62,000 |
| Carroll County Maryland | 6 | $ 989,000 | $ 164,000 | $ 69,000 |
| Harford County Maryland | 6 | $ 858,000 | $ 143,000 | $ 40,000 |
| Wayne County Michigan | 6 | $ 726,000 | $ 121,000 | $ 50,000 |
| Greenville County South Carolina | 6 | $ 1,152,000 | $ 192,000 | $ 79,000 |
| Denver County Colorado | 5 | $ 965,000 | $ 193,000 | $ 103,000 |
| Collier County Florida | 5 | $ 922,000 | $ 184,000 | $ 150,000 |
| Hillsborough County Florida | 5 | $ 745,000 | $ 149,000 | $ 57,000 |
| Pinellas County Florida | 5 | $ 880,000 | $ 176,000 | $ 56,000 |
| Ada County Idaho | 5 | $ 821,000 | $ 164,000 | $ 59,000 |
| Suffolk County Massachusetts | 5 | $ 1,709,000 | $ 341,000 | $ 190,000 |
| Oakland County Michigan | 5 | $ 1,242,000 | $ 248,000 | $ 100,000 |
| Douglas County Nevada | 5 | $ 1,055,000 | $ 211,000 | $ 76,000 |
| Middlesex County New Jersey | 5 | $ 1,101,000 | $ 220,000 | $ 129,000 |
| Kings County New York | 5 | $ 802,000 | $ 160,000 | $ 71,000 |
| Lane County Oregon | 5 | $ 565,000 | $ 113,000 | $ 59,000 |
| Box Elder County Utah | 5 | $ 636,000 | $ 127,000 | $ 50,000 |
| Prince William County Virginia | 5 | $ 1,227,000 | $ 245,000 | $ 82,000 |
| Gila County Arizona | 4 | $ 410,000 | $ 102,000 | $ 28,000 |
| Imperial County California | 4 | $ 539,000 | $ 134,000 | $ 99,000 |
| Mariposa County California | 4 | $ 661,000 | $ 165,000 | $ 67,000 |
| Adams County Colorado | 4 | $ 768,000 | $ 192,000 | $ 43,000 |
| Lake County Florida | 4 | $ 723,000 | $ 180,000 | $ 65,000 |
| Allegan County Michigan | 4 | $ 398,000 | $ 99,000 | $ 51,000 |
| Macomb County Michigan | 4 | $ 541,000 | $ 135,000 | $ 72,000 |
| Lyon County Nevada | 4 | $ 777,000 | $ 194,000 | $ 274,000 |
| Bernalillo County New Mexico | 4 | $ 365,000 | $ 91,000 | $ 103,000 |
| Bronx County New York | 4 | $ 905,000 | $ 226,000 | $ 85,000 |
| Westchester County New York | 4 | $ 1,040,000 | $ 260,000 | $ 158,000 |
| Mecklenburg County North Carolina | 4 | $ 564,000 | $ 141,000 | $ 78,000 |
| Jackson County Oregon | 4 | $ 911,000 | $ 227,000 | $ 101,000 |
| Linn County Oregon | 4 | $ 485,000 | $ 121,000 | $ 46,000 |
| Marion County Oregon | 4 | $ 422,000 | $ 105,000 | $ 63,000 |
| Wasatch County Utah | 4 | $ 824,000 | $ 206,000 | $ 22,000 |
| Loudoun County Virginia | 4 | $ 865,000 | $ 216,000 | $ 82,000 |
| Anchorage County Alaska | 3 | $ 943,000 | $ 314,000 | $ 168,000 |
| Inyo County California | 3 | $ 609,000 | $ 203,000 | $ 95,000 |
| Siskiyou County California | 3 | $ 326,000 | $ 108,000 | $ 76,000 |
| New London County Connecticut | 3 | $ 533,000 | $ 177,000 | $ 80,000 |
| Alachua County Florida | 3 | $ 290,000 | $ 96,000 | $ 65,000 |
| Flagler County Florida | 3 | $ 339,000 | $ 113,000 | $ 32,000 |
| Lee County Florida | 3 | $ 194,000 | $ 64,000 | $ 36,000 |
| Marion County Florida | 3 | $ 201,000 | $ 67,000 | $ 29,000 |
| Martin County Florida | 3 | $ 417,000 | $ 139,000 | $ 61,000 |
| St. Lucie County Florida | 3 | $ 295,000 | $ 98,000 | $ 76,000 |
| Walton County Florida | 3 | $ 558,000 | $ 186,000 | $ 111,000 |
| Kauai County Hawaii | 3 | $ 945,000 | $ 315,000 | $ 77,000 |
| Kane County Illinois | 3 | $ 472,000 | $ 157,000 | $ 60,000 |
| McHenry County Illinois | 3 | $ 365,000 | $ 121,000 | $ 92,000 |
| Will County Illinois | 3 | $ 629,000 | $ 209,000 | $ 58,000 |
| Middlesex County Massachusetts | 3 | $ 458,000 | $ 152,000 | $ 91,000 |
| Hennepin County Minnesota | 3 | $ 620,000 | $ 206,000 | $ 76,000 |
| Lancaster County Nebraska | 3 | $ 655,000 | $ 218,000 | $ 109,000 |
| Nye County Nevada | 3 | $ 254,000 | $ 84,000 | $ 75,000 |
| Burlington County New Jersey | 3 | $ 456,000 | $ 152,000 | $ 72,000 |
| Richmond County New York | 3 | $ 574,000 | $ 191,000 | $ 74,000 |
| Hamilton County Ohio | 3 | $ 408,000 | $ 136,000 | $ 63,000 |
| Polk County Oregon | 3 | $ 239,000 | $ 79,000 | $ 46,000 |
| Virginia Beach County Virginia | 3 | $ 475,000 | $ 158,000 | $ 66,000 |
| Coconino County Arizona | 2 | $ 416,000 | $ 208,000 | $ 87,000 |
| Navajo County Arizona | 2 | $ 390,000 | $ 195,000 | $ 176,000 |
| Washington County Arkansas | 2 | $ 176,000 | $ 88,000 | $ 60,000 |
| Colusa County California | 2 | $ 275,000 | $ 137,000 | $ 54,000 |
| Del Norte County California | 2 | $ 217,000 | $ 108,000 | $ 42,000 |
| Glenn County California | 2 | $ 365,000 | $ 182,000 | $ 38,000 |
| Sierra County California | 2 | $ 215,000 | $ 107,000 | $ 55,000 |
| Boulder County Colorado | 2 | $ 970,000 | $ 485,000 | $ 148,000 |
| El Paso County Colorado | 2 | $ 363,000 | $ 181,000 | $ 69,000 |
| Fairfield County Connecticut | 2 | $ 808,000 | $ 404,000 | $ 189,000 |
| Litchfield County Connecticut | 2 | $ 324,000 | $ 162,000 | $ 71,000 |
| Middlesex County Connecticut | 2 | $ 263,000 | $ 131,000 | $ 57,000 |
| Charlotte County Florida | 2 | $ 225,000 | $ 112,000 | $ 24,000 |
| Clay County Florida | 2 | $ 256,000 | $ 128,000 | $ 77,000 |
| Manatee County Florida | 2 | $ 472,000 | $ 236,000 | $ 82,000 |
| Nassau County Florida | 2 | $ 441,000 | $ 220,000 | $ 91,000 |
| Osceola County Florida | 2 | $ 200,000 | $ 100,000 | $ 53,000 |
| Pasco County Florida | 2 | $ 101,000 | $ 50,000 | $ 29,000 |
| Santa Rosa County Florida | 2 | $ 262,000 | $ 131,000 | $ 53,000 |
| DeKalb County Georgia | 2 | $ 239,000 | $ 119,000 | $ 35,000 |
| Lee County Illinois | 2 | $ 158,000 | $ 79,000 | $ 71,000 |
| Madison County Illinois | 2 | $ 202,000 | $ 101,000 | $ 61,000 |
| Warren County Illinois | 2 | $ 63,000 | $ 31,000 | $ 48,000 |
| Vanderburgh County Indiana | 2 | $ 260,000 | $ 130,000 | $ 68,000 |
| Lafayette County Louisiana | 2 | $ 115,000 | $ 57,000 | $ 54,000 |
| Cecil County Maryland | 2 | $ 237,000 | $ 118,000 | $ 36,000 |
| Charles County Maryland | 2 | $ 185,000 | $ 92,000 | $ 107,000 |
| Queen Anne's County Maryland | 2 | $ 204,000 | $ 102,000 | $ 28,000 |
| Nantucket County Massachusetts | 2 | $ 532,000 | $ 266,000 | $ 212,000 |
| Ingham County Michigan | 2 | $ 174,000 | $ 87,000 | $ 60,000 |
| Isabella County Michigan | 2 | $ 68,000 | $ 34,000 | $ 39,000 |
| Van Buren County Michigan | 2 | $ 168,000 | $ 84,000 | $ 26,000 |
| Lamar County Mississippi | 2 | $ 69,000 | $ 34,000 | $ 35,000 |
| Ravalli County Montana | 2 | $ 225,000 | $ 112,000 | $ 41,000 |
| Hudson County New Jersey | 2 | $ 556,000 | $ 278,000 | $ 112,000 |
| Somerset County New Jersey | 2 | $ 238,000 | $ 119,000 | $ 129,000 |
| Santa Fe County New Mexico | 2 | $ 289,000 | $ 144,000 | $ 79,000 |
| Monroe County New York | 2 | $ 398,000 | $ 199,000 | $ 56,000 |
| Rensselaer County New York | 2 | $ 115,000 | $ 57,000 | $ 72,000 |
| Durham County North Carolina | 2 | $ 215,000 | $ 107,000 | $ 62,000 |
| Guilford County North Carolina | 2 | $ 233,000 | $ 116,000 | $ 51,000 |
| Union County North Carolina | 2 | $ 205,000 | $ 102,000 | $ 51,000 |
| Wake County North Carolina | 2 | $ 287,000 | $ 143,000 | $ 57,000 |
| Cass County North Dakota | 2 | $ 230,000 | $ 115,000 | $ 60,000 |
| Lawrence County Ohio | 2 | $ 55,000 | $ 27,000 | $ 21,000 |
| Cleveland County Oklahoma | 2 | $ 174,000 | $ 87,000 | $ 120,000 |
| Benton County Oregon | 2 | $ 356,000 | $ 178,000 | $ 81,000 |
| Columbia County Oregon | 2 | $ 262,000 | $ 131,000 | $ 102,000 |
| Deschutes County Oregon | 2 | $ 328,000 | $ 164,000 | $ 100,000 |
| Josephine County Oregon | 2 | $ 247,000 | $ 123,000 | $ 55,000 |
| Klamath County Oregon | 2 | $ 138,000 | $ 69,000 | $ 36,000 |
| Tillamook County Oregon | 2 | $ 89,000 | $ 44,000 | $ 22,000 |
| Allegheny County Pennsylvania | 2 | $ 95,000 | $ 47,000 | $ 32,000 |
| Hamilton County Tennessee | 2 | $ 122,000 | $ 61,000 | $ 125,000 |
| Bandera County Texas | 2 | $ 61,000 | $ 30,000 | $ 27,000 |
| Lee County Texas | 2 | $ 162,000 | $ 81,000 | $ 80,000 |
| Morgan County Utah | 2 | $ 226,000 | $ 113,000 | $ 40,000 |
| Arlington County Virginia | 2 | $ 537,000 | $ 268,000 | $ 182,000 |
| Chesapeake County Virginia | 2 | $ 409,000 | $ 204,000 | $ 78,000 |
| Chesterfield County Virginia | 2 | $ 189,000 | $ 94,000 | $ 56,000 |
| Franklin County Virginia | 2 | $ 190,000 | $ 95,000 | $ 34,000 |
| James City County Virginia | 2 | $ 156,000 | $ 78,000 | $ 87,000 |
| York County Virginia | 2 | $ 372,000 | $ 186,000 | $ 68,000 |
| Chelan County Washington | 2 | $ 212,000 | $ 106,000 | $ 70,000 |
| Douglas County Washington | 2 | $ 137,000 | $ 68,000 | $ 50,000 |
| Spokane County Washington | 2 | $ 247,000 | $ 123,000 | $ 57,000 |
| Whitman County Washington | 2 | $ 183,000 | $ 91,000 | $ 49,000 |
| Sublette County Wyoming | 2 | $ 147,000 | $ 73,000 | $ 57,000 |
| Barbour County Alabama | 1 | $ 51,000 | $ 51,000 | $ 167,000 |
| Matanuska-Susitna County Alaska | 1 | $ 323,000 | $ 323,000 | $ 82,000 |
| Santa Cruz County Arizona | 1 | $ 369,000 | $ 369,000 | $ 180,000 |
| Lassen County California | 1 | $ 183,000 | $ 183,000 | $ 58,000 |
| Modoc County California | 1 | $ 171,000 | $ 171,000 | $ 46,000 |
| Trinity County California | 1 | $ 138,000 | $ 138,000 | $ 39,000 |
| Archuleta County Colorado | 1 | $ 211,000 | $ 211,000 | $ 96,000 |
| Douglas County Colorado | 1 | $ 211,000 | $ 211,000 | $ 90,000 |
| Fremont County Colorado | 1 | $ 58,000 | $ 58,000 | $ 20,000 |
| Gilpin County Colorado | 1 | $ 291,000 | $ 291,000 | $ 89,000 |
| Jefferson County Colorado | 1 | $ 100,000 | $ 100,000 | $ 86,000 |
| Larimer County Colorado | 1 | $ 35,000 | $ 35,000 | $ 43,000 |
| Mesa County Colorado | 1 | $ 151,000 | $ 151,000 | $ 109,000 |
| Montrose County Colorado | 1 | $ 172,000 | $ 172,000 | $ 181,000 |
| Pueblo County Colorado | 1 | $ 130,000 | $ 130,000 | $ 0 |
| Routt County Colorado | 1 | $ 249,000 | $ 249,000 | $ 496,000 |
| Summit County Colorado | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Windham County Connecticut | 1 | $ 150,000 | $ 150,000 | $ 86,000 |
| Bay County Florida | 1 | $ 64,000 | $ 64,000 | $ 44,000 |
| Hardee County Florida | 1 | $ 168,000 | $ 168,000 | $ 75,000 |
| Hernando County Florida | 1 | $ 86,000 | $ 86,000 | $ 0 |
| Indian River County Florida | 1 | $ 89,000 | $ 89,000 | $ 42,000 |
| Polk County Florida | 1 | $ 127,000 | $ 127,000 | $ 34,000 |
| Putnam County Florida | 1 | $ 42,000 | $ 42,000 | $ 24,000 |
| Sarasota County Florida | 1 | $ 104,000 | $ 104,000 | $ 28,000 |
| St. Johns County Florida | 1 | $ 202,000 | $ 202,000 | $ 111,000 |
| Dawson County Georgia | 1 | $ 100,000 | $ 100,000 | $ 72,000 |
| Douglas County Georgia | 1 | $ 128,000 | $ 128,000 | $ 90,000 |
| Fulton County Georgia | 1 | $ 524,000 | $ 524,000 | $ 187,000 |
| Bannock County Idaho | 1 | $ 85,000 | $ 85,000 | $ 30,000 |
| Bonner County Idaho | 1 | $ 110,000 | $ 110,000 | $ 40,000 |
| Bonneville County Idaho | 1 | $ 222,000 | $ 222,000 | $ 68,000 |
| Jerome County Idaho | 1 | $ 82,000 | $ 82,000 | $ 45,000 |
| Kootenai County Idaho | 1 | $ 125,000 | $ 125,000 | $ 52,000 |
| Valley County Idaho | 1 | $ 136,000 | $ 136,000 | $ 46,000 |
| Boone County Illinois | 1 | $ 68,000 | $ 68,000 | $ 30,000 |
| Champaign County Illinois | 1 | $ 84,000 | $ 84,000 | $ 35,000 |
| Clinton County Illinois | 1 | $ 105,000 | $ 105,000 | $ 78,000 |
| Kankakee County Illinois | 1 | $ 95,000 | $ 95,000 | $ 47,000 |
| Lake County Illinois | 1 | $ 163,000 | $ 163,000 | $ 68,000 |
| Piatt County Illinois | 1 | $ 100,000 | $ 100,000 | $ 59,000 |
| Pike County Illinois | 1 | $ 48,000 | $ 48,000 | $ 25,000 |
| Tazewell County Illinois | 1 | $ 144,000 | $ 144,000 | $ 84,000 |
| Washington County Illinois | 1 | $ 125,000 | $ 125,000 | $ 118,000 |
| Allen County Indiana | 1 | $ 130,000 | $ 130,000 | $ 80,000 |
| Elkhart County Indiana | 1 | $ 99,000 | $ 99,000 | $ 65,000 |
| Hamilton County Indiana | 1 | $ 475,000 | $ 475,000 | $ 144,000 |
| Wayne County Indiana | 1 | $ 92,000 | $ 92,000 | $ 52,000 |
| Story County Iowa | 1 | $ 96,000 | $ 96,000 | $ 103,000 |
| Thomas County Kansas | 1 | $ 18,000 | $ 18,000 | $ 78,000 |
| Bullitt County Kentucky | 1 | $ 89,000 | $ 89,000 | $ 37,000 |
| Montgomery County Kentucky | 1 | $ 144,000 | $ 144,000 | $ 55,000 |
| Plaquemines County Louisiana | 1 | $ 68,000 | $ 68,000 | $ 23,000 |
| St. Mary County Louisiana | 1 | $ 74,000 | $ 74,000 | $ 26,000 |
| Cumberland County Maine | 1 | $ 99,000 | $ 99,000 | $ 37,000 |
| Waldo County Maine | 1 | $ 301,000 | $ 301,000 | $ 93,000 |
| Frederick County Maryland | 1 | $ 159,000 | $ 159,000 | $ 62,000 |
| Somerset County Maryland | 1 | $ 103,000 | $ 103,000 | $ 60,000 |
| St. Mary's County Maryland | 1 | $ 160,000 | $ 160,000 | $ 45,000 |
| Washington County Maryland | 1 | $ 112,000 | $ 112,000 | $ 33,000 |
| Wicomico County Maryland | 1 | $ 118,000 | $ 118,000 | $ 30,000 |
| Worcester County Maryland | 1 | $ 144,000 | $ 144,000 | $ 39,000 |
| Essex County Massachusetts | 1 | $ 272,000 | $ 272,000 | $ 98,000 |
| Norfolk County Massachusetts | 1 | $ 289,000 | $ 289,000 | $ 95,000 |
| Plymouth County Massachusetts | 1 | $ 166,000 | $ 166,000 | $ 52,000 |
| Worcester County Massachusetts | 1 | $ 140,000 | $ 140,000 | $ 32,000 |
| Clare County Michigan | 1 | $ 76,000 | $ 76,000 | $ 62,000 |
| Genesee County Michigan | 1 | $ 383,000 | $ 383,000 | $ 113,000 |
| Kent County Michigan | 1 | $ 68,000 | $ 68,000 | $ 26,000 |
| Menominee County Michigan | 1 | $ 96,000 | $ 96,000 | $ 25,000 |
| Midland County Michigan | 1 | $ 92,000 | $ 92,000 | $ 35,000 |
| Monroe County Michigan | 1 | $ 108,000 | $ 108,000 | $ 46,000 |
| Otsego County Michigan | 1 | $ 85,000 | $ 85,000 | $ 243,000 |
| Ottawa County Michigan | 1 | $ 120,000 | $ 120,000 | $ 38,000 |
| Roscommon County Michigan | 1 | $ 92,000 | $ 92,000 | $ 38,000 |
| St. Clair County Michigan | 1 | $ 268,000 | $ 268,000 | $ 78,000 |
| Washtenaw County Michigan | 1 | $ 76,000 | $ 76,000 | $ 36,000 |
| Anoka County Minnesota | 1 | $ 109,000 | $ 109,000 | $ 50,000 |
| Carver County Minnesota | 1 | $ 144,000 | $ 144,000 | $ 55,000 |
| Dakota County Minnesota | 1 | $ 221,000 | $ 221,000 | $ 102,000 |
| Douglas County Minnesota | 1 | $ 150,000 | $ 150,000 | $ 82,000 |
| Goodhue County Minnesota | 1 | $ 234,000 | $ 234,000 | $ 99,000 |
| DeSoto County Mississippi | 1 | $ 213,000 | $ 213,000 | $ 125,000 |
| Boone County Missouri | 1 | $ 180,000 | $ 180,000 | $ 113,000 |
| Jefferson County Missouri | 1 | $ 113,000 | $ 113,000 | $ 45,000 |
| St. Louis County Missouri | 1 | $ 50,000 | $ 50,000 | $ 127,000 |
| St. Louis City County Missouri | 1 | $ 63,000 | $ 63,000 | $ 37,000 |
| Warren County Missouri | 1 | $ 150,000 | $ 150,000 | $ 158,000 |
| Gallatin County Montana | 1 | $ 506,000 | $ 506,000 | $ 236,000 |
| Buffalo County Nebraska | 1 | $ 75,000 | $ 75,000 | $ 37,000 |
| Dodge County Nebraska | 1 | $ 114,000 | $ 114,000 | $ 48,000 |
| Gage County Nebraska | 1 | $ 100,000 | $ 100,000 | $ 89,000 |
| Humboldt County Nevada | 1 | $ 147,000 | $ 147,000 | $ 69,000 |
| Grafton County New Hampshire | 1 | $ 74,000 | $ 74,000 | $ 29,000 |
| Hillsborough County New Hampshire | 1 | $ 88,000 | $ 88,000 | $ 61,000 |
| Atlantic County New Jersey | 1 | $ 535,000 | $ 535,000 | $ 141,000 |
| Camden County New Jersey | 1 | $ 80,000 | $ 80,000 | $ 42,000 |
| Mercer County New Jersey | 1 | $ 246,000 | $ 246,000 | $ 164,000 |
| Morris County New Jersey | 1 | $ 305,000 | $ 305,000 | $ 57,000 |
| Passaic County New Jersey | 1 | $ 150,000 | $ 150,000 | $ 38,000 |
| Dona Ana County New Mexico | 1 | $ 436,000 | $ 436,000 | $ 120,000 |
| Grant County New Mexico | 1 | $ 21,000 | $ 21,000 | $ 10,000 |
| Sandoval County New Mexico | 1 | $ 114,000 | $ 114,000 | $ 48,000 |
| Chemung County New York | 1 | $ 46,000 | $ 46,000 | $ 26,000 |
| Cortland County New York | 1 | $ 105,000 | $ 105,000 | $ 81,000 |
| Delaware County New York | 1 | $ 47,000 | $ 47,000 | $ 50,000 |
| Essex County New York | 1 | $ 70,000 | $ 70,000 | $ 39,000 |
| Montgomery County New York | 1 | $ 69,000 | $ 69,000 | $ 40,000 |
| Niagara County New York | 1 | $ 56,000 | $ 56,000 | $ 56,000 |
| Ontario County New York | 1 | $ 22,000 | $ 22,000 | $ 96,000 |
| Orange County New York | 1 | $ 378,000 | $ 378,000 | $ 250,000 |
| Rockland County New York | 1 | $ 176,000 | $ 176,000 | $ 189,000 |
| Saratoga County New York | 1 | $ 173,000 | $ 173,000 | $ 57,000 |
| Schenectady County New York | 1 | $ 92,000 | $ 92,000 | $ 60,000 |
| Ulster County New York | 1 | $ 171,000 | $ 171,000 | $ 79,000 |
| Wayne County New York | 1 | $ 37,000 | $ 37,000 | $ 43,000 |
| Beaufort County North Carolina | 1 | $ 68,000 | $ 68,000 | $ 20,000 |
| Buncombe County North Carolina | 1 | $ 149,000 | $ 149,000 | $ 53,000 |
| Cabarrus County North Carolina | 1 | $ 270,000 | $ 270,000 | $ 77,000 |
| Duplin County North Carolina | 1 | $ 72,000 | $ 72,000 | $ 80,000 |
| Forsyth County North Carolina | 1 | $ 101,000 | $ 101,000 | $ 43,000 |
| Henderson County North Carolina | 1 | $ 133,000 | $ 133,000 | $ 65,000 |
| Hoke County North Carolina | 1 | $ 85,000 | $ 85,000 | $ 46,000 |
| Nash County North Carolina | 1 | $ 130,000 | $ 130,000 | $ 88,000 |
| Orange County North Carolina | 1 | $ 170,000 | $ 170,000 | $ 85,000 |
| Transylvania County North Carolina | 1 | $ 112,000 | $ 112,000 | $ 90,000 |
| Warren County North Carolina | 1 | $ 125,000 | $ 125,000 | $ 94,000 |
| Burleigh County North Dakota | 1 | $ 21,000 | $ 21,000 | $ 56,000 |
| Cuyahoga County Ohio | 1 | $ 240,000 | $ 240,000 | $ 95,000 |
| Greene County Ohio | 1 | $ 90,000 | $ 90,000 | $ 39,000 |
| Richland County Ohio | 1 | $ 46,000 | $ 46,000 | $ 59,000 |
| Summit County Ohio | 1 | $ 120,000 | $ 120,000 | $ 75,000 |
| Canadian County Oklahoma | 1 | $ 69,000 | $ 69,000 | $ 34,000 |
| Logan County Oklahoma | 1 | $ 94,000 | $ 94,000 | $ 49,000 |
| Oklahoma County Oklahoma | 1 | $ 261,000 | $ 261,000 | $ 100,000 |
| Curry County Oregon | 1 | $ 199,000 | $ 199,000 | $ 70,000 |
| Douglas County Oregon | 1 | $ 84,000 | $ 84,000 | $ 40,000 |
| Lincoln County Oregon | 1 | $ 170,000 | $ 170,000 | $ 99,000 |
| Umatilla County Oregon | 1 | $ 178,000 | $ 178,000 | $ 144,000 |
| Yamhill County Oregon | 1 | $ 148,000 | $ 148,000 | $ 146,000 |
| Bucks County Pennsylvania | 1 | $ 171,000 | $ 171,000 | $ 68,000 |
| Chester County Pennsylvania | 1 | $ 169,000 | $ 169,000 | $ 109,000 |
| Dauphin County Pennsylvania | 1 | $ 98,000 | $ 98,000 | $ 0 |
| Lehigh County Pennsylvania | 1 | $ 213,000 | $ 213,000 | $ 90,000 |
| Northampton County Pennsylvania | 1 | $ 115,000 | $ 115,000 | $ 85,000 |
| Philadelphia County Pennsylvania | 1 | $ 104,000 | $ 104,000 | $ 67,000 |
| Kent County Rhode Island | 1 | $ 125,000 | $ 125,000 | $ 54,000 |
| Washington County Rhode Island | 1 | $ 700,000 | $ 700,000 | $ 0 |
| Beaufort County South Carolina | 1 | $ 70,000 | $ 70,000 | $ 38,000 |
| Horry County South Carolina | 1 | $ 242,000 | $ 242,000 | $ 60,000 |
| Lee County South Carolina | 1 | $ 87,000 | $ 87,000 | $ 45,000 |
| Oconee County South Carolina | 1 | $ 111,000 | $ 111,000 | $ 44,000 |
| York County South Carolina | 1 | $ 69,000 | $ 69,000 | $ 44,000 |
| Brown County South Dakota | 1 | $ 150,000 | $ 150,000 | $ 54,000 |
| Lawrence County South Dakota | 1 | $ 98,000 | $ 98,000 | $ 38,000 |
| Minnehaha County South Dakota | 1 | $ 240,000 | $ 240,000 | $ 119,000 |
| Pennington County South Dakota | 1 | $ 88,000 | $ 88,000 | $ 60,000 |
| Davidson County Tennessee | 1 | $ 143,000 | $ 143,000 | $ 48,000 |
| Hamblen County Tennessee | 1 | $ 110,000 | $ 110,000 | $ 34,000 |
| Macon County Tennessee | 1 | $ 140,000 | $ 140,000 | $ 48,000 |
| Marion County Tennessee | 1 | $ 77,000 | $ 77,000 | $ 43,000 |
| Roane County Tennessee | 1 | $ 186,000 | $ 186,000 | $ 60,000 |
| Rutherford County Tennessee | 1 | $ 99,000 | $ 99,000 | $ 50,000 |
| Smith County Tennessee | 1 | $ 66,000 | $ 66,000 | $ 199,000 |
| Williamson County Tennessee | 1 | $ 90,000 | $ 90,000 | $ 87,000 |
| Ector County Texas | 1 | $ 67,000 | $ 67,000 | $ 95,000 |
| Galveston County Texas | 1 | $ 106,000 | $ 106,000 | $ 123,000 |
| Gregg County Texas | 1 | $ 87,000 | $ 87,000 | $ 59,000 |
| Tarrant County Texas | 1 | $ 110,000 | $ 110,000 | $ 49,000 |
| Wharton County Texas | 1 | $ 66,000 | $ 66,000 | $ 39,000 |
| Winkler County Texas | 1 | $ 52,000 | $ 52,000 | $ 30,000 |
| Carbon County Utah | 1 | $ 79,000 | $ 79,000 | $ 26,000 |
| San Juan County Utah | 1 | $ 78,000 | $ 78,000 | $ 40,000 |
| Sanpete County Utah | 1 | $ 107,000 | $ 107,000 | $ 0 |
| Alexandria County Virginia | 1 | $ 379,000 | $ 379,000 | $ 105,000 |
| Fauquier County Virginia | 1 | $ 383,000 | $ 383,000 | $ 188,000 |
| Fluvanna County Virginia | 1 | $ 130,000 | $ 130,000 | $ 54,000 |
| Hanover County Virginia | 1 | $ 92,000 | $ 92,000 | $ 40,000 |
| Henrico County Virginia | 1 | $ 87,000 | $ 87,000 | $ 50,000 |
| Norfolk County Virginia | 1 | $ 117,000 | $ 117,000 | $ 8,000 |
| Pittsylvania County Virginia | 1 | $ 113,000 | $ 113,000 | $ 58,000 |
| Roanoke County Virginia | 1 | $ 185,000 | $ 185,000 | $ 135,000 |
| Spotsylvania County Virginia | 1 | $ 166,000 | $ 166,000 | $ 42,000 |
| Stafford County Virginia | 1 | $ 189,000 | $ 189,000 | $ 54,000 |
| Waynesboro County Virginia | 1 | $ 156,000 | $ 156,000 | $ 48,000 |
| Wise County Virginia | 1 | $ 90,000 | $ 90,000 | $ 27,000 |
| Clallam County Washington | 1 | $ 65,000 | $ 65,000 | $ 97,000 |
| Cowlitz County Washington | 1 | $ 185,000 | $ 185,000 | $ 86,000 |
| Franklin County Washington | 1 | $ 142,000 | $ 142,000 | $ 69,000 |
| Grant County Washington | 1 | $ 188,000 | $ 188,000 | $ 289,000 |
| Skagit County Washington | 1 | $ 149,000 | $ 149,000 | $ 84,000 |
| Whatcom County Washington | 1 | $ 221,000 | $ 221,000 | $ 84,000 |
| Yakima County Washington | 1 | $ 94,000 | $ 94,000 | $ 45,000 |
| Hancock County West Virginia | 1 | $ 65,000 | $ 65,000 | $ 36,000 |
| Vilas County Wisconsin | 1 | $ 240,000 | $ 240,000 | $ 44,000 |
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.
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and assess Gateway Bank, Fsb's mortgage approval patterns.
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