Gateway Bank, FSB Mortgage Lending & HMDA Data, 2004
In 2004, Gateway Bank, FSB of San Leandro, CA reported 19,377 mortgage applications totaling $5.1 billion, down 21% from 2003. The average application was for $260,720, and applicants reported an average income of $101,478. 13% of its applications resulted in an originated loan and 1% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (3,059), Oakland-Fremont-Hayward, CA (1,781) and Riverside-San Bernardino-Ontario, CA (1,482) (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 | 19,377 |
| Total Mortgage Loan Application Amount | $5,051,978,000 |
| Average Mortgage Loan Application Amount | $260,720 |
| Highest Mortgage Loan Application Amount | $4,000,000 |
| Average Applicant Income | $101,478 |
| Highest Applicant Income | $7,911,000 |
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Act (HMDA) records Gateway Bank, FSB filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 3,059 | $ 819,297,000 | $ 267,831 | $ 108,000 |
| Orange, California | 1,191 | $ 389,417,000 | $ 326,966 | $ 107,000 |
| Contra Costa, California | 1,003 | $ 295,356,000 | $ 294,472 | $ 109,000 |
| San Diego, California | 984 | $ 293,824,000 | $ 298,601 | $ 129,000 |
| Alameda, California | 778 | $ 237,640,000 | $ 305,449 | $ 100,000 |
| Riverside, California | 772 | $ 171,303,000 | $ 221,895 | $ 95,000 |
| San Bernardino, California | 710 | $ 130,481,000 | $ 183,776 | $ 93,000 |
| Santa Clara, California | 648 | $ 238,821,000 | $ 368,550 | $ 114,000 |
| Sacramento, California | 571 | $ 112,209,000 | $ 196,513 | $ 95,000 |
| Sonoma, California | 501 | $ 139,608,000 | $ 278,658 | $ 93,000 |
| San Francisco, California | 466 | $ 226,878,000 | $ 486,862 | $ 152,000 |
| Maricopa, Arizona | 446 | $ 81,643,000 | $ 183,056 | $ 148,000 |
| Marin, California | 405 | $ 186,149,000 | $ 459,627 | $ 142,000 |
| San Mateo, California | 396 | $ 169,453,000 | $ 427,911 | $ 136,000 |
| Stanislaus, California | 370 | $ 67,135,000 | $ 181,445 | $ 77,000 |
| Clark, Nevada | 286 | $ 51,559,000 | $ 180,276 | $ 90,000 |
| Santa Barbara, California | 278 | $ 64,063,000 | $ 230,442 | $ 81,000 |
| San Joaquin, California | 270 | $ 55,823,000 | $ 206,751 | $ 83,000 |
| Solano, California | 224 | $ 55,384,000 | $ 247,250 | $ 81,000 |
| Placer, California | 167 | $ 45,500,000 | $ 272,455 | $ 114,000 |
| Salt Lake, Utah | 167 | $ 29,353,000 | $ 175,766 | $ 134,000 |
| Miami-Dade, Florida | 149 | $ 22,731,000 | $ 152,557 | $ 51,000 |
| Kern, California | 142 | $ 21,147,000 | $ 148,922 | $ 75,000 |
| Lane, Oregon | 127 | $ 18,997,000 | $ 149,582 | $ 65,000 |
| Pima, Arizona | 121 | $ 23,285,000 | $ 192,438 | $ 96,000 |
| Ventura, California | 112 | $ 34,648,000 | $ 309,357 | $ 101,000 |
| King, Washington | 104 | $ 25,869,000 | $ 248,740 | $ 84,000 |
| El Dorado, California | 101 | $ 24,628,000 | $ 243,841 | $ 100,000 |
| San Luis Obispo, California | 97 | $ 21,604,000 | $ 222,721 | $ 90,000 |
| Monterey, California | 95 | $ 31,286,000 | $ 329,326 | $ 122,000 |
| Fresno, California | 94 | $ 13,572,000 | $ 144,382 | $ 75,000 |
| Santa Cruz, California | 78 | $ 29,508,000 | $ 378,307 | $ 142,000 |
| Washoe, Nevada | 73 | $ 14,744,000 | $ 201,972 | $ 90,000 |
| Queens, New York | 70 | $ 15,849,000 | $ 226,414 | $ 61,000 |
| Kings, New York | 69 | $ 19,661,000 | $ 284,942 | $ 65,000 |
| Shasta, California | 61 | $ 11,207,000 | $ 183,721 | $ 128,000 |
| Davis, Utah | 61 | $ 9,728,000 | $ 159,475 | $ 74,000 |
| Napa, California | 56 | $ 17,288,000 | $ 308,714 | $ 72,000 |
| Merced, California | 55 | $ 8,887,000 | $ 161,581 | $ 93,000 |
| Honolulu, Hawaii | 55 | $ 17,102,000 | $ 310,945 | $ 115,000 |
| Pierce, Washington | 49 | $ 7,917,000 | $ 161,571 | $ 61,000 |
| Anchorage, Alaska | 47 | $ 11,252,000 | $ 239,404 | $ 118,000 |
| Suffolk, New York | 40 | $ 9,505,000 | $ 237,625 | $ 70,000 |
| Nassau, New York | 37 | $ 7,632,000 | $ 206,270 | $ 111,000 |
| Snohomish, Washington | 35 | $ 7,820,000 | $ 223,428 | $ 82,000 |
| Butte, California | 33 | $ 5,267,000 | $ 159,606 | $ 137,000 |
| Broward, Florida | 31 | $ 5,284,000 | $ 170,451 | $ 122,000 |
| Nevada, California | 29 | $ 7,969,000 | $ 274,793 | $ 116,000 |
| Orange, Florida | 29 | $ 4,608,000 | $ 158,896 | $ 107,000 |
| Cook, Illinois | 28 | $ 4,783,000 | $ 170,821 | $ 108,000 |
| Sutter, California | 27 | $ 3,804,000 | $ 140,888 | $ 83,000 |
| Tuolumne, California | 27 | $ 5,175,000 | $ 191,666 | $ 90,000 |
| Yolo, California | 27 | $ 5,936,000 | $ 219,851 | $ 110,000 |
| Lake, California | 25 | $ 4,981,000 | $ 199,240 | $ 150,000 |
| Mendocino, California | 25 | $ 5,308,000 | $ 212,320 | $ 77,000 |
| Tulare, California | 23 | $ 2,703,000 | $ 117,521 | $ 117,000 |
| Multnomah, Oregon | 23 | $ 3,274,000 | $ 142,347 | $ 60,000 |
| Maui, Hawaii | 22 | $ 7,970,000 | $ 362,272 | $ 182,000 |
| Montgomery, Maryland | 22 | $ 5,034,000 | $ 228,818 | $ 60,000 |
| Utah, Utah | 22 | $ 3,433,000 | $ 156,045 | $ 80,000 |
| DuPage, Illinois | 21 | $ 3,613,000 | $ 172,047 | $ 83,000 |
| Calaveras, California | 19 | $ 5,109,000 | $ 268,894 | $ 142,000 |
| Washington, Oregon | 18 | $ 3,206,000 | $ 178,111 | $ 107,000 |
| Amador, California | 16 | $ 2,961,000 | $ 185,062 | $ 56,000 |
| Bronx, New York | 16 | $ 4,019,000 | $ 251,187 | $ 77,000 |
| Adams, Colorado | 15 | $ 3,336,000 | $ 222,400 | $ 71,000 |
| Arapahoe, Colorado | 15 | $ 3,275,000 | $ 218,333 | $ 109,000 |
| Yavapai, Arizona | 14 | $ 1,779,000 | $ 127,071 | $ 165,000 |
| Madera, California | 14 | $ 2,867,000 | $ 204,785 | $ 64,000 |
| San Benito, California | 14 | $ 3,407,000 | $ 243,357 | $ 105,000 |
| Tehama, California | 13 | $ 2,068,000 | $ 159,076 | $ 50,000 |
| Hillsborough, Florida | 12 | $ 1,377,000 | $ 114,750 | $ 51,000 |
| Washington, Utah | 11 | $ 1,947,000 | $ 177,000 | $ 72,000 |
| Siskiyou, California | 10 | $ 1,339,000 | $ 133,900 | $ 74,000 |
| Jefferson, Colorado | 10 | $ 2,366,000 | $ 236,600 | $ 92,000 |
| Seminole, Florida | 10 | $ 1,293,000 | $ 129,300 | $ 47,000 |
| Douglas, Nevada | 10 | $ 2,327,000 | $ 232,700 | $ 60,000 |
| Jackson, Oregon | 10 | $ 1,746,000 | $ 174,600 | $ 74,000 |
| Fairfax, Virginia | 10 | $ 2,654,000 | $ 265,400 | $ 82,000 |
| Humboldt, California | 9 | $ 1,487,000 | $ 165,222 | $ 44,000 |
| Essex, New Jersey | 9 | $ 1,711,000 | $ 190,111 | $ 67,000 |
| Richmond, New York | 9 | $ 2,536,000 | $ 281,777 | $ 78,000 |
| Clark, Washington | 9 | $ 1,029,000 | $ 114,333 | $ 52,000 |
| Thurston, Washington | 9 | $ 1,662,000 | $ 184,666 | $ 50,000 |
| Pinal, Arizona | 8 | $ 752,000 | $ 94,000 | $ 56,000 |
| Colusa, California | 8 | $ 878,000 | $ 109,750 | $ 70,000 |
| Kings, California | 8 | $ 1,044,000 | $ 130,500 | $ 111,000 |
| Plumas, California | 8 | $ 2,321,000 | $ 290,125 | $ 109,000 |
| Yuba, California | 8 | $ 934,000 | $ 116,750 | $ 48,000 |
| Carson City, Nevada | 8 | $ 1,242,000 | $ 155,250 | $ 40,000 |
| Middlesex, New Jersey | 8 | $ 1,978,000 | $ 247,250 | $ 84,000 |
| Deschutes, Oregon | 8 | $ 1,117,000 | $ 139,625 | $ 70,000 |
| Marion, Oregon | 8 | $ 1,027,000 | $ 128,375 | $ 51,000 |
| Weber, Utah | 8 | $ 1,315,000 | $ 164,375 | $ 52,000 |
| Mohave, Arizona | 7 | $ 1,103,000 | $ 157,571 | $ 162,000 |
| Imperial, California | 7 | $ 877,000 | $ 125,285 | $ 107,000 |
| Denver, Colorado | 7 | $ 1,267,000 | $ 181,000 | $ 56,000 |
| El Paso, Colorado | 7 | $ 1,587,000 | $ 226,714 | $ 98,000 |
| Hartford, Connecticut | 7 | $ 815,000 | $ 116,428 | $ 62,000 |
| Palm Beach, Florida | 7 | $ 909,000 | $ 129,857 | $ 119,000 |
| St. Lucie, Florida | 7 | $ 982,000 | $ 140,285 | $ 67,000 |
| Baltimore, Maryland | 7 | $ 808,000 | $ 115,428 | $ 61,000 |
| Monmouth, New Jersey | 7 | $ 1,784,000 | $ 254,857 | $ 111,000 |
| Lassen, California | 6 | $ 1,021,000 | $ 170,166 | $ 63,000 |
| Fairfield, Connecticut | 6 | $ 1,429,000 | $ 238,166 | $ 70,000 |
| Prince George's, Maryland | 6 | $ 999,000 | $ 166,500 | $ 49,000 |
| Lyon, Nevada | 6 | $ 1,121,000 | $ 186,833 | $ 97,000 |
| Morris, New Jersey | 6 | $ 1,552,000 | $ 258,666 | $ 89,000 |
| Loudoun, Virginia | 6 | $ 2,060,000 | $ 343,333 | $ 152,000 |
| Larimer, Colorado | 5 | $ 1,564,000 | $ 312,800 | $ 161,000 |
| Weld, Colorado | 5 | $ 1,646,000 | $ 329,200 | $ 831,000 |
| Collier, Florida | 5 | $ 955,000 | $ 191,000 | $ 106,000 |
| Duval, Florida | 5 | $ 670,000 | $ 134,000 | $ 61,000 |
| Flagler, Florida | 5 | $ 686,000 | $ 137,200 | $ 58,000 |
| Lee, Florida | 5 | $ 631,000 | $ 126,200 | $ 42,000 |
| Osceola, Florida | 5 | $ 721,000 | $ 144,200 | $ 71,000 |
| Polk, Florida | 5 | $ 578,000 | $ 115,600 | $ 18,000 |
| Hawaii, Hawaii | 5 | $ 1,384,000 | $ 276,800 | $ 160,000 |
| Kauai, Hawaii | 5 | $ 1,703,000 | $ 340,600 | $ 195,000 |
| Hudson, New Jersey | 5 | $ 1,081,000 | $ 216,200 | $ 80,000 |
| Mercer, New Jersey | 5 | $ 1,203,000 | $ 240,600 | $ 76,000 |
| Passaic, New Jersey | 5 | $ 1,033,000 | $ 206,600 | $ 97,000 |
| Union, New Jersey | 5 | $ 694,000 | $ 138,800 | $ 59,000 |
| Westchester, New York | 5 | $ 1,888,000 | $ 377,600 | $ 202,000 |
| Allen, Ohio | 5 | $ 683,000 | $ 136,600 | $ 158,000 |
| Clackamas, Oregon | 5 | $ 681,000 | $ 136,200 | $ 66,000 |
| Lincoln, Oregon | 5 | $ 471,000 | $ 94,200 | $ 102,000 |
| Shelby, Tennessee | 5 | $ 549,000 | $ 109,800 | $ 60,000 |
| Spokane, Washington | 5 | $ 799,000 | $ 159,800 | $ 91,000 |
| Douglas, Colorado | 4 | $ 981,000 | $ 245,250 | $ 112,000 |
| Gilpin, Colorado | 4 | $ 594,000 | $ 148,500 | $ 87,000 |
| Escambia, Florida | 4 | $ 299,000 | $ 74,750 | $ 33,000 |
| Marion, Florida | 4 | $ 410,000 | $ 102,500 | $ 45,000 |
| Pinellas, Florida | 4 | $ 364,000 | $ 91,000 | $ 48,000 |
| Volusia, Florida | 4 | $ 329,000 | $ 82,250 | $ 226,000 |
| Lake, Illinois | 4 | $ 619,000 | $ 154,750 | $ 89,000 |
| Will, Illinois | 4 | $ 692,000 | $ 173,000 | $ 62,000 |
| Howard, Maryland | 4 | $ 766,000 | $ 191,500 | $ 138,000 |
| Oakland, Michigan | 4 | $ 816,000 | $ 204,000 | $ 109,000 |
| Wayne, Michigan | 4 | $ 877,000 | $ 219,250 | $ 85,000 |
| Bergen, New Jersey | 4 | $ 856,000 | $ 214,000 | $ 92,000 |
| Coos, Oregon | 4 | $ 407,000 | $ 101,750 | $ 48,000 |
| Box Elder, Utah | 4 | $ 429,000 | $ 107,250 | $ 42,000 |
| Norfolk, Virginia | 4 | $ 608,000 | $ 152,000 | $ 56,000 |
| Prince William, Virginia | 4 | $ 1,072,000 | $ 268,000 | $ 68,000 |
| Island, Washington | 4 | $ 684,000 | $ 171,000 | $ 82,000 |
| Coconino, Arizona | 3 | $ 478,000 | $ 159,333 | $ 64,000 |
| Navajo, Arizona | 3 | $ 451,000 | $ 150,333 | $ 55,000 |
| Del Norte, California | 3 | $ 288,000 | $ 96,000 | $ 24,000 |
| Broomfield, Colorado | 3 | $ 1,087,000 | $ 362,333 | $ 165,000 |
| Charlotte, Florida | 3 | $ 264,000 | $ 88,000 | $ 43,000 |
| Manatee, Florida | 3 | $ 205,000 | $ 68,333 | $ 51,000 |
| Pasco, Florida | 3 | $ 457,000 | $ 152,333 | $ 129,000 |
| Cobb, Georgia | 3 | $ 581,000 | $ 193,666 | $ 63,000 |
| Blaine, Idaho | 3 | $ 745,000 | $ 248,333 | $ 96,000 |
| McHenry, Illinois | 3 | $ 328,000 | $ 109,333 | $ 76,000 |
| East Baton Rouge, Louisiana | 3 | $ 466,000 | $ 155,333 | $ 82,000 |
| Anne Arundel, Maryland | 3 | $ 570,000 | $ 190,000 | $ 70,000 |
| Macomb, Michigan | 3 | $ 327,000 | $ 109,000 | $ 51,000 |
| Benton, Oregon | 3 | $ 602,000 | $ 200,666 | $ 65,000 |
| Klamath, Oregon | 3 | $ 367,000 | $ 122,333 | $ 35,000 |
| Delaware, Pennsylvania | 3 | $ 265,000 | $ 88,333 | $ 44,000 |
| York, South Carolina | 3 | $ 359,000 | $ 119,666 | $ 76,000 |
| Collin, Texas | 3 | $ 229,000 | $ 76,333 | $ 75,000 |
| Denton, Texas | 3 | $ 691,000 | $ 230,333 | $ 90,000 |
| Harris, Texas | 3 | $ 339,000 | $ 113,000 | $ 58,000 |
| Summit, Utah | 3 | $ 559,000 | $ 186,333 | $ 101,000 |
| Franklin, Washington | 3 | $ 240,000 | $ 80,000 | $ 75,000 |
| Whatcom, Washington | 3 | $ 434,000 | $ 144,666 | $ 65,000 |
| Mono, California | 2 | $ 847,000 | $ 423,500 | $ 120,000 |
| Boulder, Colorado | 2 | $ 675,000 | $ 337,500 | $ 103,000 |
| Elbert, Colorado | 2 | $ 629,000 | $ 314,500 | $ 141,000 |
| New Haven, Connecticut | 2 | $ 240,000 | $ 120,000 | $ 59,000 |
| Brevard, Florida | 2 | $ 245,000 | $ 122,500 | $ 65,000 |
| Lake, Florida | 2 | $ 164,000 | $ 82,000 | $ 40,000 |
| Fulton, Georgia | 2 | $ 325,000 | $ 162,500 | $ 94,000 |
| Canyon, Idaho | 2 | $ 136,000 | $ 68,000 | $ 209,000 |
| Floyd, Indiana | 2 | $ 88,000 | $ 44,000 | $ 35,000 |
| Frederick, Maryland | 2 | $ 337,000 | $ 168,500 | $ 48,000 |
| Washtenaw, Michigan | 2 | $ 359,000 | $ 179,500 | $ 78,000 |
| Ramsey, Minnesota | 2 | $ 379,000 | $ 189,500 | $ 44,000 |
| Douglas, Nebraska | 2 | $ 112,000 | $ 56,000 | $ 58,000 |
| Camden, New Jersey | 2 | $ 176,000 | $ 88,000 | $ 24,000 |
| Bernalillo, New Mexico | 2 | $ 275,000 | $ 137,500 | $ 59,000 |
| Orange, New York | 2 | $ 290,000 | $ 145,000 | $ 79,000 |
| Wake, North Carolina | 2 | $ 110,000 | $ 55,000 | $ 25,000 |
| Butler, Ohio | 2 | $ 478,000 | $ 239,000 | $ 126,000 |
| Summit, Ohio | 2 | $ 284,000 | $ 142,000 | $ 59,000 |
| Columbia, Oregon | 2 | $ 292,000 | $ 146,000 | $ 56,000 |
| Josephine, Oregon | 2 | $ 224,000 | $ 112,000 | $ 42,000 |
| Linn, Oregon | 2 | $ 216,000 | $ 108,000 | $ 65,000 |
| Bucks, Pennsylvania | 2 | $ 337,000 | $ 168,500 | $ 60,000 |
| Montgomery, Pennsylvania | 2 | $ 604,000 | $ 302,000 | $ 96,000 |
| Washington, Rhode Island | 2 | $ 373,000 | $ 186,500 | $ 78,000 |
| Wasatch, Utah | 2 | $ 450,000 | $ 225,000 | $ 90,000 |
| Alexandria, Virginia | 2 | $ 190,000 | $ 95,000 | $ 60,000 |
| Fauquier, Virginia | 2 | $ 495,000 | $ 247,500 | $ 176,000 |
| Virginia Beach, Virginia | 2 | $ 219,000 | $ 109,500 | $ 50,000 |
| Clallam, Washington | 2 | $ 254,000 | $ 127,000 | $ 69,000 |
| Cowlitz, Washington | 2 | $ 150,000 | $ 75,000 | $ 54,000 |
| Grays Harbor, Washington | 2 | $ 175,000 | $ 87,500 | $ 59,000 |
| Skagit, Washington | 2 | $ 305,000 | $ 152,500 | $ 39,000 |
| Yakima, Washington | 2 | $ 192,000 | $ 96,000 | $ 19,000 |
| Sheridan, Wyoming | 2 | $ 170,000 | $ 85,000 | $ 46,000 |
| Uinta, Wyoming | 2 | $ 187,000 | $ 93,500 | $ 66,000 |
| Pike, Alabama | 1 | $ 88,000 | $ 88,000 | $ 50,000 |
| Juneau, Alaska | 1 | $ 168,000 | $ 168,000 | $ 0 |
| Matanuska-Susitna, Alaska | 1 | $ 237,000 | $ 237,000 | $ 73,000 |
| Cochise, Arizona | 1 | $ 215,000 | $ 215,000 | $ 108,000 |
| Santa Cruz, Arizona | 1 | $ 160,000 | $ 160,000 | $ 102,000 |
| Alpine, California | 1 | $ 223,000 | $ 223,000 | $ 53,000 |
| Glenn, California | 1 | $ 101,000 | $ 101,000 | $ 48,000 |
| Sierra, California | 1 | $ 100,000 | $ 100,000 | $ 30,000 |
| Trinity, California | 1 | $ 272,000 | $ 272,000 | $ 200,000 |
| Archuleta, Colorado | 1 | $ 248,000 | $ 248,000 | $ 63,000 |
| Baca, Colorado | 1 | $ 105,000 | $ 105,000 | $ 40,000 |
| Fremont, Colorado | 1 | $ 58,000 | $ 58,000 | $ 17,000 |
| Montrose, Colorado | 1 | $ 205,000 | $ 205,000 | $ 45,000 |
| Pueblo, Colorado | 1 | $ 99,000 | $ 99,000 | $ 0 |
| Routt, Colorado | 1 | $ 385,000 | $ 385,000 | $ 123,000 |
| Summit, Colorado | 1 | $ 130,000 | $ 130,000 | $ 127,000 |
| Middlesex, Connecticut | 1 | $ 108,000 | $ 108,000 | $ 34,000 |
| New London, Connecticut | 1 | $ 448,000 | $ 448,000 | $ 378,000 |
| Tolland, Connecticut | 1 | $ 168,000 | $ 168,000 | $ 0 |
| Alachua, Florida | 1 | $ 70,000 | $ 70,000 | $ 33,000 |
| Bay, Florida | 1 | $ 100,000 | $ 100,000 | $ 87,000 |
| DeSoto, Florida | 1 | $ 102,000 | $ 102,000 | $ 70,000 |
| Hendry, Florida | 1 | $ 74,000 | $ 74,000 | $ 29,000 |
| Leon, Florida | 1 | $ 136,000 | $ 136,000 | $ 67,000 |
| Okaloosa, Florida | 1 | $ 107,000 | $ 107,000 | $ 23,000 |
| Santa Rosa, Florida | 1 | $ 121,000 | $ 121,000 | $ 0 |
| Sarasota, Florida | 1 | $ 152,000 | $ 152,000 | $ 66,000 |
| St. Johns, Florida | 1 | $ 104,000 | $ 104,000 | $ 26,000 |
| Suwannee, Florida | 1 | $ 86,000 | $ 86,000 | $ 105,000 |
| DeKalb, Georgia | 1 | $ 25,000 | $ 25,000 | $ 132,000 |
| Fayette, Georgia | 1 | $ 117,000 | $ 117,000 | $ 42,000 |
| Gwinnett, Georgia | 1 | $ 110,000 | $ 110,000 | $ 42,000 |
| Liberty, Georgia | 1 | $ 96,000 | $ 96,000 | $ 49,000 |
| Ada, Idaho | 1 | $ 154,000 | $ 154,000 | $ 132,000 |
| Bear Lake, Idaho | 1 | $ 279,000 | $ 279,000 | $ 64,000 |
| Bonner, Idaho | 1 | $ 130,000 | $ 130,000 | $ 42,000 |
| Bonneville, Idaho | 1 | $ 68,000 | $ 68,000 | $ 36,000 |
| Fremont, Idaho | 1 | $ 280,000 | $ 280,000 | $ 150,000 |
| Valley, Idaho | 1 | $ 99,000 | $ 99,000 | $ 40,000 |
| Champaign, Illinois | 1 | $ 253,000 | $ 253,000 | $ 67,000 |
| Franklin, Illinois | 1 | $ 105,000 | $ 105,000 | $ 40,000 |
| Jefferson, Illinois | 1 | $ 79,000 | $ 79,000 | $ 85,000 |
| Kane, Illinois | 1 | $ 137,000 | $ 137,000 | $ 48,000 |
| Macon, Illinois | 1 | $ 108,000 | $ 108,000 | $ 74,000 |
| Peoria, Illinois | 1 | $ 78,000 | $ 78,000 | $ 63,000 |
| Allen, Indiana | 1 | $ 119,000 | $ 119,000 | $ 50,000 |
| Steuben, Indiana | 1 | $ 57,000 | $ 57,000 | $ 15,000 |
| Bourbon, Kansas | 1 | $ 136,000 | $ 136,000 | $ 70,000 |
| Wyandotte, Kansas | 1 | $ 75,000 | $ 75,000 | $ 30,000 |
| Ascension, Louisiana | 1 | $ 63,000 | $ 63,000 | $ 31,000 |
| Jefferson, Louisiana | 1 | $ 236,000 | $ 236,000 | $ 89,000 |
| Livingston, Louisiana | 1 | $ 220,000 | $ 220,000 | $ 73,000 |
| Orleans, Louisiana | 1 | $ 445,000 | $ 445,000 | $ 208,000 |
| Vernon, Louisiana | 1 | $ 50,000 | $ 50,000 | $ 32,000 |
| Kennebec, Maine | 1 | $ 293,000 | $ 293,000 | $ 80,000 |
| Knox, Maine | 1 | $ 128,000 | $ 128,000 | $ 53,000 |
| Sagadahoc, Maine | 1 | $ 222,000 | $ 222,000 | $ 92,000 |
| York, Maine | 1 | $ 178,000 | $ 178,000 | $ 41,000 |
| Allegany, Maryland | 1 | $ 118,000 | $ 118,000 | $ 95,000 |
| Baltimore City, Maryland | 1 | $ 81,000 | $ 81,000 | $ 14,000 |
| Calvert, Maryland | 1 | $ 145,000 | $ 145,000 | $ 93,000 |
| Carroll, Maryland | 1 | $ 115,000 | $ 115,000 | $ 40,000 |
| Charles, Maryland | 1 | $ 275,000 | $ 275,000 | $ 87,000 |
| Kent, Maryland | 1 | $ 45,000 | $ 45,000 | $ 49,000 |
| Worcester, Maryland | 1 | $ 387,000 | $ 387,000 | $ 78,000 |
| Norfolk, Massachusetts | 1 | $ 316,000 | $ 316,000 | $ 94,000 |
| Plymouth, Massachusetts | 1 | $ 133,000 | $ 133,000 | $ 46,000 |
| Suffolk, Massachusetts | 1 | $ 248,000 | $ 248,000 | $ 400,000 |
| Worcester, Massachusetts | 1 | $ 125,000 | $ 125,000 | $ 34,000 |
| Berrien, Michigan | 1 | $ 152,000 | $ 152,000 | $ 90,000 |
| Clare, Michigan | 1 | $ 37,000 | $ 37,000 | $ 14,000 |
| Genesee, Michigan | 1 | $ 124,000 | $ 124,000 | $ 92,000 |
| Ingham, Michigan | 1 | $ 320,000 | $ 320,000 | $ 159,000 |
| Kalamazoo, Michigan | 1 | $ 90,000 | $ 90,000 | $ 60,000 |
| Kent, Michigan | 1 | $ 115,000 | $ 115,000 | $ 33,000 |
| Livingston, Michigan | 1 | $ 62,000 | $ 62,000 | $ 20,000 |
| Marquette, Michigan | 1 | $ 115,000 | $ 115,000 | $ 53,000 |
| Mecosta, Michigan | 1 | $ 216,000 | $ 216,000 | $ 70,000 |
| Montcalm, Michigan | 1 | $ 104,000 | $ 104,000 | $ 35,000 |
| Dakota, Minnesota | 1 | $ 250,000 | $ 250,000 | $ 185,000 |
| Houston, Minnesota | 1 | $ 124,000 | $ 124,000 | $ 37,000 |
| Kanabec, Minnesota | 1 | $ 136,000 | $ 136,000 | $ 71,000 |
| Nicollet, Minnesota | 1 | $ 102,000 | $ 102,000 | $ 28,000 |
| Harrison, Mississippi | 1 | $ 98,000 | $ 98,000 | $ 47,000 |
| Warren, Mississippi | 1 | $ 59,000 | $ 59,000 | $ 17,000 |
| Buchanan, Missouri | 1 | $ 86,000 | $ 86,000 | $ 42,000 |
| Jackson, Missouri | 1 | $ 57,000 | $ 57,000 | $ 24,000 |
| Gallatin, Montana | 1 | $ 239,000 | $ 239,000 | $ 0 |
| Jefferson, Montana | 1 | $ 17,000 | $ 17,000 | $ 130,000 |
| Missoula, Montana | 1 | $ 190,000 | $ 190,000 | $ 102,000 |
| Churchill, Nevada | 1 | $ 152,000 | $ 152,000 | $ 40,000 |
| Nye, Nevada | 1 | $ 145,000 | $ 145,000 | $ 54,000 |
| Hillsborough, New Hampshire | 1 | $ 196,000 | $ 196,000 | $ 75,000 |
| Burlington, New Jersey | 1 | $ 196,000 | $ 196,000 | $ 78,000 |
| Ocean, New Jersey | 1 | $ 186,000 | $ 186,000 | $ 0 |
| Somerset, New Jersey | 1 | $ 334,000 | $ 334,000 | $ 110,000 |
| Chaves, New Mexico | 1 | $ 73,000 | $ 73,000 | $ 23,000 |
| Albany, New York | 1 | $ 169,000 | $ 169,000 | $ 72,000 |
| Chenango, New York | 1 | $ 88,000 | $ 88,000 | $ 48,000 |
| Dutchess, New York | 1 | $ 263,000 | $ 263,000 | $ 60,000 |
| New York, New York | 1 | $ 590,000 | $ 590,000 | $ 364,000 |
| Putnam, New York | 1 | $ 230,000 | $ 230,000 | $ 74,000 |
| Rockland, New York | 1 | $ 260,000 | $ 260,000 | $ 102,000 |
| Durham, North Carolina | 1 | $ 112,000 | $ 112,000 | $ 30,000 |
| Gaston, North Carolina | 1 | $ 100,000 | $ 100,000 | $ 27,000 |
| Guilford, North Carolina | 1 | $ 148,000 | $ 148,000 | $ 86,000 |
| Henderson, North Carolina | 1 | $ 150,000 | $ 150,000 | $ 52,000 |
| Hertford, North Carolina | 1 | $ 120,000 | $ 120,000 | $ 36,000 |
| Mecklenburg, North Carolina | 1 | $ 111,000 | $ 111,000 | $ 29,000 |
| Cuyahoga, Ohio | 1 | $ 182,000 | $ 182,000 | $ 55,000 |
| Franklin, Ohio | 1 | $ 210,000 | $ 210,000 | $ 52,000 |
| Hancock, Ohio | 1 | $ 50,000 | $ 50,000 | $ 18,000 |
| Lucas, Ohio | 1 | $ 234,000 | $ 234,000 | $ 235,000 |
| Warren, Ohio | 1 | $ 330,000 | $ 330,000 | $ 103,000 |
| Oklahoma, Oklahoma | 1 | $ 269,000 | $ 269,000 | $ 108,000 |
| Stephens, Oklahoma | 1 | $ 120,000 | $ 120,000 | $ 42,000 |
| Tulsa, Oklahoma | 1 | $ 102,000 | $ 102,000 | $ 43,000 |
| Douglas, Oregon | 1 | $ 187,000 | $ 187,000 | $ 63,000 |
| Jefferson, Oregon | 1 | $ 80,000 | $ 80,000 | $ 26,000 |
| Polk, Oregon | 1 | $ 100,000 | $ 100,000 | $ 0 |
| Tillamook, Oregon | 1 | $ 140,000 | $ 140,000 | $ 71,000 |
| Yamhill, Oregon | 1 | $ 22,000 | $ 22,000 | $ 40,000 |
| Berks, Pennsylvania | 1 | $ 90,000 | $ 90,000 | $ 120,000 |
| Carbon, Pennsylvania | 1 | $ 220,000 | $ 220,000 | $ 113,000 |
| Philadelphia, Pennsylvania | 1 | $ 65,000 | $ 65,000 | $ 53,000 |
| Greenville, South Carolina | 1 | $ 155,000 | $ 155,000 | $ 82,000 |
| DeKalb, Tennessee | 1 | $ 115,000 | $ 115,000 | $ 34,000 |
| Dyer, Tennessee | 1 | $ 194,000 | $ 194,000 | $ 141,000 |
| Hamilton, Tennessee | 1 | $ 58,000 | $ 58,000 | $ 38,000 |
| McMinn, Tennessee | 1 | $ 89,000 | $ 89,000 | $ 56,000 |
| Pickett, Tennessee | 1 | $ 88,000 | $ 88,000 | $ 108,000 |
| Sevier, Tennessee | 1 | $ 110,000 | $ 110,000 | $ 55,000 |
| Warren, Tennessee | 1 | $ 109,000 | $ 109,000 | $ 52,000 |
| Williamson, Tennessee | 1 | $ 167,000 | $ 167,000 | $ 71,000 |
| Gregg, Texas | 1 | $ 125,000 | $ 125,000 | $ 78,000 |
| Starr, Texas | 1 | $ 60,000 | $ 60,000 | $ 39,000 |
| Tarrant, Texas | 1 | $ 132,000 | $ 132,000 | $ 60,000 |
| Travis, Texas | 1 | $ 200,000 | $ 200,000 | $ 104,000 |
| Morgan, Utah | 1 | $ 200,000 | $ 200,000 | $ 97,000 |
| Tooele, Utah | 1 | $ 89,000 | $ 89,000 | $ 109,000 |
| Uintah, Utah | 1 | $ 91,000 | $ 91,000 | $ 29,000 |
| Arlington, Virginia | 1 | $ 71,000 | $ 71,000 | $ 27,000 |
| Chesapeake, Virginia | 1 | $ 289,000 | $ 289,000 | $ 117,000 |
| Chesterfield, Virginia | 1 | $ 131,000 | $ 131,000 | $ 49,000 |
| Fairfax City, Virginia | 1 | $ 109,000 | $ 109,000 | $ 24,000 |
| Henrico, Virginia | 1 | $ 120,000 | $ 120,000 | $ 53,000 |
| Newport News, Virginia | 1 | $ 81,000 | $ 81,000 | $ 27,000 |
| Stafford, Virginia | 1 | $ 111,000 | $ 111,000 | $ 40,000 |
| Benton, Washington | 1 | $ 150,000 | $ 150,000 | $ 63,000 |
| Chelan, Washington | 1 | $ 141,000 | $ 141,000 | $ 34,000 |
| Douglas, Washington | 1 | $ 124,000 | $ 124,000 | $ 45,000 |
| Grant, Washington | 1 | $ 76,000 | $ 76,000 | $ 119,000 |
| Kitsap, Washington | 1 | $ 368,000 | $ 368,000 | $ 221,000 |
| Mason, Washington | 1 | $ 98,000 | $ 98,000 | $ 0 |
| Okanogan, Washington | 1 | $ 174,000 | $ 174,000 | $ 346,000 |
| Logan, West Virginia | 1 | $ 109,000 | $ 109,000 | $ 51,000 |
| Polk, Wisconsin | 1 | $ 203,000 | $ 203,000 | $ 95,000 |
| Natrona, Wyoming | 1 | $ 50,000 | $ 50,000 | $ 95,000 |
Mortgage Loan Application Detail Totals for Gateway Bank, FSB in 2004
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 | 9,980 | $2,723,104,000 | $185,809 | $4,000,000 | $82,071 | $3,485,000 |
| Home Purchase | 9,389 | $2,327,772,000 | $176,950 | $2,000,000 | $92,425 | $7,911,000 |
| Home Improvement | 8 | $1,102,000 | $141,000 | $198,000 | $61,800 | $102,000 |
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 | 8,755 | $2,458,905,000 | $211,023 | $3,500,000 | $99,214 | $3,563,000 |
| Hispanic | 3,627 | $773,483,000 | $197,391 | $1,900,000 | $63,130 | $2,891,000 |
| Not Provided | 3,428 | $885,982,000 | $166,600 | $4,000,000 | $86,675 | $7,911,000 |
| Asian | 2,338 | $661,526,000 | $201,090 | $4,000,000 | $108,500 | $1,340,000 |
| Black or African American | 1,033 | $223,089,000 | $174,538 | $975,000 | $81,615 | $1,613,000 |
| Native Hawaiian or Other Pacific Islander | 123 | $31,616,000 | $228,615 | $840,000 | $91,000 | $489,000 |
| American Indian or Alaskan Native | 73 | $17,377,000 | $148,636 | $696,000 | $59,636 | $288,000 |
| 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) | 19,000 | $4,983,963,000 | $177,857 | $4,000,000 | $84,551 | $7,911,000 |
| FHA-insured (Federal Housing Administration) | 372 | $66,995,000 | $163,062 | $432,000 | $35,625 | $145,000 |
| VA-guaranteed (Veterans Administration) | 5 | $1,020,000 | $188,000 | $245,000 | $76,333 | $106,000 |
| 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 | 15,780 | $3,960,483,000 | $165,795 | $4,000,000 | $80,163 | $7,911,000 |
| Loan Originated | 2,571 | $759,040,000 | $192,000 | $2,880,000 | $99,478 | $1,095,000 |
| Application Approved But Not Accepted | 515 | $163,058,000 | $188,333 | $1,750,000 | $72,733 | $2,046,000 |
| Application Denied By Financial Institution | 256 | $89,130,000 | $433,416 | $4,000,000 | $185,083 | $1,244,000 |
| Application Withdrawn By Applicant | 255 | $80,267,000 | $198,266 | $2,000,000 | $111,200 | $1,340,000 |
| File Closed For Incompleteness | 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 | 121 | $45,009,000 | $620,875 | $4,000,000 | $172,750 | $782,000 |
| Other | 59 | $17,779,000 | $260,428 | $1,275,000 | $136,714 | $844,000 |
| Debt-To-Income Ratio | 38 | $12,477,000 | $264,000 | $1,470,000 | $122,250 | $305,000 |
| Collateral | 24 | $9,333,000 | $164,600 | $3,988,000 | $154,000 | $1,244,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 8 | $2,524,000 | $315,000 | $450,000 | $81,000 | $154,000 |
| Employment History | 6 | $2,008,000 | $317,000 | $475,000 | $122,000 | $180,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 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, FSB's 2004 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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