Gateway Bank, FSB Mortgage Lending & HMDA Data, 2009

In 2009, Gateway Bank, FSB of San Leandro, CA reported 13,625 mortgage applications totaling $3.5 billion, down 25% from 2008. The average application was for $256,084, and applicants reported an average income of $88,446. 0% of its applications resulted in an originated loan and 0% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (2,196), Riverside-San Bernardino-Ontario, CA (1,094) and Santa Ana-Anaheim-Irvine, CA (810) (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 13,625
Total Mortgage Loan Application Amount $3,489,148,000
Average Mortgage Loan Application Amount $256,084
Highest Mortgage Loan Application Amount $1,425,000
Average Applicant Income $88,446
Highest Applicant Income $1,893,000

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Act (HMDA) records Gateway Bank, FSB filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.

Mortgage Loan Application Totals for Gateway Bank, FSB by County in 2009

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 2,196 $ 642,871,000 $ 292,746 $ 91,000
Orange, California 810 $ 255,159,000 $ 315,011 $ 103,000
Riverside, California 725 $ 126,031,000 $ 173,835 $ 76,000
Santa Clara, California 531 $ 186,466,000 $ 351,160 $ 122,000
Alameda, California 443 $ 143,410,000 $ 323,724 $ 124,000
San Bernardino, California 369 $ 71,676,000 $ 194,243 $ 78,000
Contra Costa, California 321 $ 100,457,000 $ 312,950 $ 127,000
Suffolk, New York 233 $ 69,107,000 $ 296,596 $ 94,000
Queens, New York 224 $ 82,806,000 $ 369,669 $ 89,000
San Diego, California 217 $ 64,169,000 $ 295,709 $ 111,000
Ventura, California 215 $ 68,043,000 $ 316,479 $ 102,000
San Mateo, California 182 $ 67,895,000 $ 373,049 $ 126,000
Sacramento, California 163 $ 31,890,000 $ 195,644 $ 86,000
Maricopa, Arizona 158 $ 29,367,000 $ 185,867 $ 85,000
Nassau, New York 157 $ 52,714,000 $ 335,757 $ 101,000
San Francisco, California 153 $ 60,290,000 $ 394,052 $ 124,000
Kings, New York 133 $ 53,904,000 $ 405,293 $ 79,000
Multnomah, Oregon 115 $ 27,336,000 $ 237,704 $ 100,000
Marin, California 98 $ 37,155,000 $ 379,132 $ 179,000
Fresno, California 91 $ 19,082,000 $ 209,692 $ 86,000
Honolulu, Hawaii 91 $ 34,229,000 $ 376,142 $ 99,000
Hartford, Connecticut 86 $ 17,055,000 $ 198,313 $ 64,000
Sonoma, California 85 $ 27,096,000 $ 318,776 $ 128,000
Philadelphia, Pennsylvania 77 $ 11,172,000 $ 145,090 $ 56,000
Cook, Illinois 76 $ 15,233,000 $ 200,434 $ 76,000
Essex, New Jersey 75 $ 20,003,000 $ 266,706 $ 79,000
Clark, Washington 74 $ 17,721,000 $ 239,472 $ 74,000
Middlesex, New Jersey 73 $ 18,554,000 $ 254,164 $ 83,000
Monterey, California 72 $ 21,021,000 $ 291,958 $ 113,000
Bronx, New York 71 $ 26,339,000 $ 370,971 $ 83,000
Washington, Oregon 70 $ 18,774,000 $ 268,200 $ 104,000
Clackamas, Oregon 67 $ 17,818,000 $ 265,940 $ 100,000
New Haven, Connecticut 64 $ 12,863,000 $ 200,984 $ 70,000
Richmond, New York 61 $ 20,415,000 $ 334,672 $ 85,000
King, Washington 59 $ 17,026,000 $ 288,576 $ 106,000
Santa Cruz, California 57 $ 18,313,000 $ 321,280 $ 104,000
Bergen, New Jersey 53 $ 17,864,000 $ 337,056 $ 108,000
Monmouth, New Jersey 53 $ 13,981,000 $ 263,792 $ 89,000
Fairfield, Connecticut 52 $ 15,658,000 $ 301,115 $ 97,000
Westchester, New York 52 $ 18,143,000 $ 348,903 $ 106,000
Ocean, New Jersey 51 $ 12,612,000 $ 247,294 $ 74,000
San Joaquin, California 47 $ 9,812,000 $ 208,765 $ 98,000
Boulder, Colorado 47 $ 12,448,000 $ 264,851 $ 103,000
Gwinnett, Georgia 47 $ 8,794,000 $ 187,106 $ 61,000
Montgomery, Maryland 47 $ 12,567,000 $ 267,382 $ 90,000
Orange, New York 44 $ 10,119,000 $ 229,977 $ 76,000
Solano, California 43 $ 10,745,000 $ 249,883 $ 105,000
St. Louis, Missouri 43 $ 6,886,000 $ 160,139 $ 71,000
Placer, California 41 $ 10,514,000 $ 256,439 $ 99,000
Union, New Jersey 41 $ 11,366,000 $ 277,219 $ 66,000
Burlington, New Jersey 38 $ 7,334,000 $ 193,000 $ 77,000
Fulton, Georgia 36 $ 7,931,000 $ 220,305 $ 78,000
Passaic, New Jersey 36 $ 10,167,000 $ 282,416 $ 87,000
Fairfax, Virginia 36 $ 9,229,000 $ 256,361 $ 76,000
Henrico, Virginia 36 $ 6,780,000 $ 188,333 $ 56,000
Humboldt, California 35 $ 8,485,000 $ 242,428 $ 92,000
Hawaii, Hawaii 35 $ 8,584,000 $ 245,257 $ 73,000
Hudson, New Jersey 34 $ 8,821,000 $ 259,441 $ 92,000
Prince George's, Maryland 33 $ 9,134,000 $ 276,787 $ 66,000
Plymouth, Massachusetts 33 $ 8,639,000 $ 261,787 $ 100,000
Kern, California 32 $ 5,336,000 $ 166,750 $ 77,000
Lane, Oregon 32 $ 6,892,000 $ 215,375 $ 83,000
Montgomery, Pennsylvania 32 $ 7,859,000 $ 245,593 $ 75,000
Chesterfield, Virginia 32 $ 5,795,000 $ 181,093 $ 60,000
Pierce, Washington 32 $ 7,968,000 $ 249,000 $ 80,000
Morris, New Jersey 31 $ 9,871,000 $ 318,419 $ 92,000
Somerset, New Jersey 29 $ 7,197,000 $ 248,172 $ 91,000
Baltimore, Maryland 28 $ 6,134,000 $ 219,071 $ 70,000
Norfolk, Massachusetts 28 $ 7,690,000 $ 274,642 $ 88,000
Atlantic, New Jersey 27 $ 5,808,000 $ 215,111 $ 86,000
Santa Barbara, California 26 $ 7,863,000 $ 302,423 $ 96,000
Shasta, California 26 $ 5,178,000 $ 199,153 $ 97,000
Arapahoe, Colorado 26 $ 5,823,000 $ 223,961 $ 68,000
New Castle, Delaware 26 $ 4,946,000 $ 190,230 $ 62,000
St. Charles, Missouri 26 $ 4,747,000 $ 182,576 $ 70,000
Clark, Nevada 26 $ 4,622,000 $ 177,769 $ 63,000
Miami-Dade, Florida 25 $ 4,870,000 $ 194,800 $ 78,000
Camden, New Jersey 25 $ 4,694,000 $ 187,760 $ 61,000
San Luis Obispo, California 24 $ 7,635,000 $ 318,125 $ 107,000
Middlesex, Massachusetts 24 $ 8,236,000 $ 343,166 $ 149,000
Bucks, Pennsylvania 24 $ 5,620,000 $ 234,166 $ 70,000
Stanislaus, California 23 $ 3,834,000 $ 166,695 $ 158,000
Broward, Florida 23 $ 4,593,000 $ 199,695 $ 74,000
Mercer, New Jersey 22 $ 4,599,000 $ 209,045 $ 56,000
Dutchess, New York 22 $ 5,733,000 $ 260,590 $ 72,000
Randolph, North Carolina 22 $ 2,868,000 $ 130,363 $ 54,000
Marion, Oregon 22 $ 4,337,000 $ 197,136 $ 108,000
Virginia Beach, Virginia 22 $ 4,622,000 $ 210,090 $ 65,000
Cobb, Georgia 21 $ 4,471,000 $ 212,904 $ 73,000
Baltimore City, Maryland 21 $ 3,309,000 $ 157,571 $ 57,000
Bristol, Massachusetts 21 $ 5,417,000 $ 257,952 $ 90,000
Snohomish, Washington 21 $ 5,113,000 $ 243,476 $ 71,000
Madison, Alabama 20 $ 3,096,000 $ 154,800 $ 76,000
Sussex, New Jersey 20 $ 4,752,000 $ 237,600 $ 54,000
Pinal, Arizona 19 $ 2,226,000 $ 117,157 $ 70,000
Litchfield, Connecticut 19 $ 3,867,000 $ 203,526 $ 65,000
New London, Connecticut 19 $ 3,748,000 $ 197,263 $ 59,000
Cumberland, New Jersey 19 $ 3,008,000 $ 158,315 $ 57,000
Mecklenburg, North Carolina 19 $ 2,920,000 $ 153,684 $ 74,000
El Dorado, California 18 $ 4,830,000 $ 268,333 $ 125,000
Yolo, California 18 $ 3,856,000 $ 214,222 $ 80,000
Denver, Colorado 18 $ 3,904,000 $ 216,888 $ 68,000
Jefferson, Missouri 18 $ 3,412,000 $ 189,555 $ 70,000
Gloucester, New Jersey 18 $ 3,327,000 $ 184,833 $ 73,000
Chester, Pennsylvania 18 $ 4,058,000 $ 225,444 $ 82,000
El Paso, Colorado 17 $ 4,806,000 $ 282,705 $ 89,000
Hillsborough, Florida 17 $ 2,405,000 $ 141,470 $ 44,000
Barnstable, Massachusetts 17 $ 4,736,000 $ 278,588 $ 114,000
Ulster, New York 17 $ 3,363,000 $ 197,823 $ 59,000
Jefferson, Alabama 16 $ 4,099,000 $ 256,187 $ 117,000
Madera, California 16 $ 2,363,000 $ 147,687 $ 94,000
DeKalb, Georgia 16 $ 2,750,000 $ 171,875 $ 57,000
Suffolk, Massachusetts 16 $ 4,118,000 $ 257,375 $ 112,000
Strafford, New Hampshire 16 $ 3,647,000 $ 227,937 $ 110,000
Deschutes, Oregon 16 $ 4,620,000 $ 288,750 $ 105,000
Delaware, Pennsylvania 16 $ 2,557,000 $ 159,812 $ 60,000
Nevada, California 15 $ 4,035,000 $ 269,000 $ 137,000
Larimer, Colorado 15 $ 4,819,000 $ 321,266 $ 104,000
Anne Arundel, Maryland 15 $ 3,992,000 $ 266,133 $ 79,000
Wayne, Michigan 15 $ 1,597,000 $ 106,466 $ 63,000
Rockland, New York 15 $ 4,953,000 $ 330,200 $ 92,000
Buncombe, North Carolina 15 $ 3,036,000 $ 202,400 $ 76,000
Harris, Texas 15 $ 2,594,000 $ 172,933 $ 81,000
Pima, Arizona 14 $ 2,941,000 $ 210,071 $ 59,000
Tulare, California 14 $ 1,841,000 $ 131,500 $ 72,000
Madison, Illinois 14 $ 2,304,000 $ 164,571 $ 64,000
Will, Illinois 14 $ 2,881,000 $ 205,785 $ 76,000
Jackson, Oregon 14 $ 3,289,000 $ 234,928 $ 130,000
Monroe, Pennsylvania 14 $ 2,599,000 $ 185,642 $ 63,000
Calaveras, California 13 $ 2,457,000 $ 189,000 $ 82,000
Middlesex, Connecticut 13 $ 2,911,000 $ 223,923 $ 60,000
Duval, Florida 13 $ 2,168,000 $ 166,769 $ 57,000
Wake, North Carolina 13 $ 2,448,000 $ 188,307 $ 80,000
Northampton, Pennsylvania 13 $ 2,475,000 $ 190,384 $ 59,000
Butte, California 12 $ 2,719,000 $ 226,583 $ 92,000
Lake, California 12 $ 2,306,000 $ 192,166 $ 121,000
Marion, Indiana 12 $ 1,342,000 $ 111,833 $ 59,000
Wasco, Oregon 12 $ 1,559,000 $ 129,916 $ 53,000
Allegheny, Pennsylvania 12 $ 1,371,000 $ 114,250 $ 42,000
Richmond City, Virginia 12 $ 1,594,000 $ 132,833 $ 49,000
Mobile, Alabama 11 $ 1,471,000 $ 133,727 $ 56,000
Napa, California 11 $ 2,990,000 $ 271,818 $ 95,000
Jefferson, Colorado 11 $ 2,471,000 $ 224,636 $ 82,000
Forsyth, Georgia 11 $ 3,026,000 $ 275,090 $ 75,000
St. Louis City, Missouri 11 $ 1,907,000 $ 173,363 $ 48,000
Berks, Pennsylvania 11 $ 1,503,000 $ 136,636 $ 51,000
Chesapeake, Virginia 11 $ 2,394,000 $ 217,636 $ 81,000
Windham, Connecticut 10 $ 1,767,000 $ 176,700 $ 41,000
Bernalillo, New Mexico 10 $ 1,521,000 $ 152,100 $ 50,000
Yamhill, Oregon 10 $ 2,225,000 $ 222,500 $ 108,000
Richland, South Carolina 10 $ 1,274,000 $ 127,400 $ 39,000
Shelby, Tennessee 10 $ 1,538,000 $ 153,800 $ 53,000
Hanover, Virginia 10 $ 1,952,000 $ 195,200 $ 76,000
Douglas, Colorado 9 $ 1,927,000 $ 214,111 $ 93,000
Kent, Delaware 9 $ 1,892,000 $ 210,222 $ 57,000
Marion, Florida 9 $ 1,082,000 $ 120,222 $ 39,000
Pinellas, Florida 9 $ 1,203,000 $ 133,666 $ 53,000
Lake, Indiana 9 $ 1,560,000 $ 173,333 $ 68,000
Essex, Massachusetts 9 $ 2,653,000 $ 294,777 $ 87,000
Worcester, Massachusetts 9 $ 2,063,000 $ 229,222 $ 103,000
Franklin, Missouri 9 $ 1,497,000 $ 166,333 $ 70,000
Rockingham, New Hampshire 9 $ 2,918,000 $ 324,222 $ 113,000
Erie, New York 9 $ 1,048,000 $ 116,444 $ 47,000
Guilford, North Carolina 9 $ 1,260,000 $ 140,000 $ 50,000
Luzerne, Pennsylvania 9 $ 1,075,000 $ 119,444 $ 62,000
Pike, Pennsylvania 9 $ 1,295,000 $ 143,888 $ 54,000
Davidson, Tennessee 9 $ 1,290,000 $ 143,333 $ 48,000
Cowlitz, Washington 9 $ 1,539,000 $ 171,000 $ 73,000
Navajo, Arizona 8 $ 1,817,000 $ 227,125 $ 108,000
Merced, California 8 $ 912,000 $ 114,000 $ 72,000
Chatham, Georgia 8 $ 1,035,000 $ 129,375 $ 59,000
Carroll, Maryland 8 $ 2,389,000 $ 298,625 $ 84,000
Cape May, New Jersey 8 $ 1,953,000 $ 244,125 $ 77,000
Hunterdon, New Jersey 8 $ 2,032,000 $ 254,000 $ 85,000
Warren, New Jersey 8 $ 1,766,000 $ 220,750 $ 71,000
Putnam, New York 8 $ 2,381,000 $ 297,625 $ 143,000
Providence, Rhode Island 8 $ 1,650,000 $ 206,250 $ 54,000
Charleston, South Carolina 8 $ 1,571,000 $ 196,375 $ 65,000
Lexington, South Carolina 8 $ 1,618,000 $ 202,250 $ 59,000
Fort Bend, Texas 8 $ 1,281,000 $ 160,125 $ 56,000
Outagamie, Wisconsin 8 $ 1,146,000 $ 143,250 $ 59,000
Broomfield, Colorado 7 $ 1,627,000 $ 232,428 $ 77,000
Orange, Florida 7 $ 1,293,000 $ 184,714 $ 48,000
Palm Beach, Florida 7 $ 1,759,000 $ 251,285 $ 79,000
DuPage, Illinois 7 $ 1,409,000 $ 201,285 $ 76,000
Kane, Illinois 7 $ 1,052,000 $ 150,285 $ 67,000
East Baton Rouge, Louisiana 7 $ 1,404,000 $ 200,571 $ 69,000
Sullivan, New York 7 $ 903,000 $ 129,000 $ 56,000
Moore, North Carolina 7 $ 1,418,000 $ 202,571 $ 135,000
Le Flore, Oklahoma 7 $ 810,000 $ 115,714 $ 55,000
Oklahoma, Oklahoma 7 $ 821,000 $ 117,285 $ 55,000
Hood River, Oregon 7 $ 1,677,000 $ 239,571 $ 115,000
York, Pennsylvania 7 $ 1,309,000 $ 187,000 $ 51,000
Greenville, South Carolina 7 $ 918,000 $ 131,142 $ 57,000
Loudoun, Virginia 7 $ 1,953,000 $ 279,000 $ 95,000
Powhatan, Virginia 7 $ 1,225,000 $ 175,000 $ 41,000
Kitsap, Washington 7 $ 2,129,000 $ 304,142 $ 103,000
Lewis, Washington 7 $ 1,561,000 $ 223,000 $ 80,000
Thurston, Washington 7 $ 1,702,000 $ 243,142 $ 82,000
Calhoun, Alabama 6 $ 950,000 $ 158,333 $ 70,000
Adams, Colorado 6 $ 1,071,000 $ 178,500 $ 67,000
Weld, Colorado 6 $ 1,646,000 $ 274,333 $ 81,000
Brevard, Florida 6 $ 845,000 $ 140,833 $ 57,000
Lake, Florida 6 $ 975,000 $ 162,500 $ 47,000
Lee, Florida 6 $ 941,000 $ 156,833 $ 61,000
Osceola, Florida 6 $ 814,000 $ 135,666 $ 43,000
Polk, Florida 6 $ 768,000 $ 128,000 $ 50,000
Volusia, Florida 6 $ 861,000 $ 143,500 $ 34,000
Dougherty, Georgia 6 $ 694,000 $ 115,666 $ 42,000
Fayette, Georgia 6 $ 1,285,000 $ 214,166 $ 71,000
Calvert, Maryland 6 $ 1,461,000 $ 243,500 $ 76,000
Howard, Maryland 6 $ 1,511,000 $ 251,833 $ 82,000
Queen Anne's, Maryland 6 $ 1,377,000 $ 229,500 $ 78,000
Jackson, Missouri 6 $ 845,000 $ 140,833 $ 62,000
Cuyahoga, Ohio 6 $ 596,000 $ 99,333 $ 44,000
Hamilton, Ohio 6 $ 868,000 $ 144,666 $ 48,000
Tulsa, Oklahoma 6 $ 895,000 $ 149,166 $ 55,000
Josephine, Oregon 6 $ 1,459,000 $ 243,166 $ 92,000
Adams, Pennsylvania 6 $ 1,091,000 $ 181,833 $ 42,000
Lancaster, Pennsylvania 6 $ 1,128,000 $ 188,000 $ 80,000
Lehigh, Pennsylvania 6 $ 987,000 $ 164,500 $ 52,000
Horry, South Carolina 6 $ 1,739,000 $ 289,833 $ 87,000
Arlington, Virginia 6 $ 1,824,000 $ 304,000 $ 102,000
Hopewell, Virginia 6 $ 703,000 $ 117,166 $ 42,000
Norfolk, Virginia 6 $ 1,062,000 $ 177,000 $ 42,000
Portsmouth, Virginia 6 $ 1,401,000 $ 233,500 $ 79,000
Spokane, Washington 6 $ 1,044,000 $ 174,000 $ 78,000
Whatcom, Washington 6 $ 1,446,000 $ 241,000 $ 65,000
St. Clair, Alabama 5 $ 638,000 $ 127,600 $ 64,000
Coconino, Arizona 5 $ 1,091,000 $ 218,200 $ 54,000
Imperial, California 5 $ 716,000 $ 143,200 $ 49,000
San Benito, California 5 $ 1,572,000 $ 314,400 $ 149,000
Tuolumne, California 5 $ 1,418,000 $ 283,600 $ 108,000
Garfield, Colorado 5 $ 1,420,000 $ 284,000 $ 83,000
Sussex, Delaware 5 $ 1,241,000 $ 248,200 $ 58,000
Cherokee, Georgia 5 $ 1,139,000 $ 227,800 $ 73,000
Muscogee, Georgia 5 $ 824,000 $ 164,800 $ 57,000
Polk, Iowa 5 $ 688,000 $ 137,600 $ 48,000
Livingston, Louisiana 5 $ 757,000 $ 151,400 $ 54,000
Oneida, New York 5 $ 632,000 $ 126,400 $ 45,000
Johnston, North Carolina 5 $ 778,000 $ 155,600 $ 62,000
Franklin, Ohio 5 $ 810,000 $ 162,000 $ 56,000
Comanche, Oklahoma 5 $ 685,000 $ 137,000 $ 57,000
Linn, Oregon 5 $ 991,000 $ 198,200 $ 67,000
Carbon, Pennsylvania 5 $ 814,000 $ 162,800 $ 49,000
Berkeley, South Carolina 5 $ 911,000 $ 182,200 $ 49,000
Collin, Texas 5 $ 1,094,000 $ 218,800 $ 81,000
King William, Virginia 5 $ 1,056,000 $ 211,200 $ 47,000
Prince William, Virginia 5 $ 735,000 $ 147,000 $ 46,000
Suffolk, Virginia 5 $ 1,282,000 $ 256,400 $ 59,000
Skagit, Washington 5 $ 1,052,000 $ 210,400 $ 90,000
Milwaukee, Wisconsin 5 $ 800,000 $ 160,000 $ 54,000
Autauga, Alabama 4 $ 940,000 $ 235,000 $ 93,000
Franklin, Alabama 4 $ 388,000 $ 97,000 $ 53,000
Washington, Alabama 4 $ 442,000 $ 110,500 $ 33,000
Anchorage, Alaska 4 $ 650,000 $ 162,500 $ 86,000
Gila, Arizona 4 $ 706,000 $ 176,500 $ 79,000
Mohave, Arizona 4 $ 622,000 $ 155,500 $ 86,000
Mendocino, California 4 $ 992,000 $ 248,000 $ 126,000
Mono, California 4 $ 1,257,000 $ 314,250 $ 177,000
Siskiyou, California 4 $ 849,000 $ 212,250 $ 84,000
District of Columbia, District Of Columbia 4 $ 714,000 $ 178,500 $ 59,000
Indian River, Florida 4 $ 551,000 $ 137,750 $ 34,000
Levy, Florida 4 $ 678,000 $ 169,500 $ 56,000
Brooks, Georgia 4 $ 499,000 $ 124,750 $ 52,000
Clayton, Georgia 4 $ 505,000 $ 126,250 $ 42,000
Douglas, Georgia 4 $ 1,085,000 $ 271,250 $ 68,000
Clinton, Illinois 4 $ 587,000 $ 146,750 $ 69,000
Lake, Illinois 4 $ 979,000 $ 244,750 $ 71,000
LaSalle, Illinois 4 $ 541,000 $ 135,250 $ 57,000
Johnson, Indiana 4 $ 617,000 $ 154,250 $ 67,000
Sedgwick, Kansas 4 $ 621,000 $ 155,250 $ 64,000
Laurel, Kentucky 4 $ 505,000 $ 126,250 $ 58,000
Pulaski, Kentucky 4 $ 460,000 $ 115,000 $ 48,000
Jefferson, Louisiana 4 $ 819,000 $ 204,750 $ 112,000
St. Tammany, Louisiana 4 $ 688,000 $ 172,000 $ 72,000
York, Maine 4 $ 1,144,000 $ 286,000 $ 87,000
Cecil, Maryland 4 $ 1,011,000 $ 252,750 $ 83,000
Charles, Maryland 4 $ 1,069,000 $ 267,250 $ 82,000
Berkshire, Massachusetts 4 $ 562,000 $ 140,500 $ 56,000
Hennepin, Minnesota 4 $ 687,000 $ 171,750 $ 51,000
St. Louis, Minnesota 4 $ 592,000 $ 148,000 $ 53,000
Clay, Missouri 4 $ 512,000 $ 128,000 $ 47,000
Polk, Missouri 4 $ 497,000 $ 124,250 $ 41,000
Warren, Missouri 4 $ 494,000 $ 123,500 $ 47,000
Washoe, Nevada 4 $ 1,100,000 $ 275,000 $ 76,000
Hillsborough, New Hampshire 4 $ 822,000 $ 205,500 $ 80,000
Salem, New Jersey 4 $ 748,000 $ 187,000 $ 52,000
Monroe, New York 4 $ 668,000 $ 167,000 $ 54,000
Niagara, New York 4 $ 421,000 $ 105,250 $ 60,000
Alamance, North Carolina 4 $ 534,000 $ 133,500 $ 49,000
Durham, North Carolina 4 $ 710,000 $ 177,500 $ 52,000
Forsyth, North Carolina 4 $ 591,000 $ 147,750 $ 49,000
Gaston, North Carolina 4 $ 443,000 $ 110,750 $ 25,000
Nash, North Carolina 4 $ 634,000 $ 158,500 $ 34,000
Orange, North Carolina 4 $ 660,000 $ 165,000 $ 70,000
Lucas, Ohio 4 $ 461,000 $ 115,250 $ 32,000
Polk, Oregon 4 $ 725,000 $ 181,250 $ 70,000
Dauphin, Pennsylvania 4 $ 415,000 $ 103,750 $ 54,000
Chesterfield, South Carolina 4 $ 385,000 $ 96,250 $ 44,000
Dorchester, South Carolina 4 $ 848,000 $ 212,000 $ 64,000
Hamilton, Tennessee 4 $ 372,000 $ 93,000 $ 34,000
Knox, Tennessee 4 $ 758,000 $ 189,500 $ 84,000
Montgomery, Tennessee 4 $ 535,000 $ 133,750 $ 59,000
Rutherford, Tennessee 4 $ 646,000 $ 161,500 $ 49,000
Travis, Texas 4 $ 1,096,000 $ 274,000 $ 99,000
Rutland, Vermont 4 $ 566,000 $ 141,500 $ 53,000
Colonial Heights, Virginia 4 $ 594,000 $ 148,500 $ 48,000
Dinwiddie, Virginia 4 $ 601,000 $ 150,250 $ 44,000
Henry, Virginia 4 $ 582,000 $ 145,500 $ 45,000
Louisa, Virginia 4 $ 655,000 $ 163,750 $ 60,000
Nottoway, Virginia 4 $ 632,000 $ 158,000 $ 57,000
Chelan, Washington 4 $ 974,000 $ 243,500 $ 57,000
Grant, Washington 4 $ 642,000 $ 160,500 $ 68,000
Klickitat, Washington 4 $ 1,038,000 $ 259,500 $ 102,000
Yakima, Washington 4 $ 687,000 $ 171,750 $ 61,000
Winnebago, Wisconsin 4 $ 589,000 $ 147,250 $ 46,000
Lee, Alabama 3 $ 438,000 $ 146,000 $ 72,000
Morgan, Alabama 3 $ 326,000 $ 108,666 $ 59,000
Walker, Alabama 3 $ 350,000 $ 116,666 $ 20,000
Yavapai, Arizona 3 $ 618,000 $ 206,000 $ 216,000
Jefferson, Arkansas 3 $ 396,000 $ 132,000 $ 50,000
Pulaski, Arkansas 3 $ 496,000 $ 165,333 $ 70,000
Sutter, California 3 $ 488,000 $ 162,666 $ 90,000
Fremont, Colorado 3 $ 834,000 $ 278,000 $ 28,000
Mesa, Colorado 3 $ 656,000 $ 218,666 $ 77,000
Tolland, Connecticut 3 $ 689,000 $ 229,666 $ 54,000
Jackson, Florida 3 $ 331,000 $ 110,333 $ 35,000
Manatee, Florida 3 $ 441,000 $ 147,000 $ 52,000
St. Johns, Florida 3 $ 429,000 $ 143,000 $ 67,000
Bartow, Georgia 3 $ 499,000 $ 166,333 $ 42,000
Bibb, Georgia 3 $ 350,000 $ 116,666 $ 49,000
Columbia, Georgia 3 $ 602,000 $ 200,666 $ 83,000
Coweta, Georgia 3 $ 659,000 $ 219,666 $ 83,000
Gordon, Georgia 3 $ 458,000 $ 152,666 $ 52,000
Hall, Georgia 3 $ 551,000 $ 183,666 $ 76,000
Henry, Georgia 3 $ 457,000 $ 152,333 $ 40,000
Houston, Georgia 3 $ 358,000 $ 119,333 $ 37,000
Jackson, Georgia 3 $ 491,000 $ 163,666 $ 62,000
Liberty, Georgia 3 $ 317,000 $ 105,666 $ 48,000
Walton, Georgia 3 $ 538,000 $ 179,333 $ 39,000
Jerome, Idaho 3 $ 392,000 $ 130,666 $ 46,000
Kendall, Illinois 3 $ 869,000 $ 289,666 $ 53,000
St. Clair, Illinois 3 $ 329,000 $ 109,666 $ 29,000
Vermilion, Illinois 3 $ 353,000 $ 117,666 $ 30,000
LaPorte, Indiana 3 $ 258,000 $ 86,000 $ 36,000
Lawrence, Indiana 3 $ 399,000 $ 133,000 $ 52,000
Johnson, Kansas 3 $ 491,000 $ 163,666 $ 53,000
Orleans, Louisiana 3 $ 312,000 $ 104,000 $ 39,000
St. Charles, Louisiana 3 $ 439,000 $ 146,333 $ 64,000
Harford, Maryland 3 $ 549,000 $ 183,000 $ 61,000
Hampden, Massachusetts 3 $ 514,000 $ 171,333 $ 71,000
Anoka, Minnesota 3 $ 768,000 $ 256,000 $ 74,000
Benton, Minnesota 3 $ 491,000 $ 163,666 $ 67,000
Washington, Minnesota 3 $ 620,000 $ 206,666 $ 107,000
Cass, Missouri 3 $ 537,000 $ 179,000 $ 71,000
Crawford, Missouri 3 $ 274,000 $ 91,333 $ 26,000
Lincoln, Missouri 3 $ 504,000 $ 168,000 $ 112,000
Lea, New Mexico 3 $ 375,000 $ 125,000 $ 70,000
Sandoval, New Mexico 3 $ 485,000 $ 161,666 $ 46,000
Clinton, New York 3 $ 395,000 $ 131,666 $ 46,000
Essex, New York 3 $ 620,000 $ 206,666 $ 75,000
Herkimer, New York 3 $ 404,000 $ 134,666 $ 43,000
New York, New York 3 $ 1,102,000 $ 367,333 $ 78,000
Onondaga, New York 3 $ 274,000 $ 91,333 $ 42,000
Steuben, New York 3 $ 500,000 $ 166,666 $ 100,000
Caldwell, North Carolina 3 $ 366,000 $ 122,000 $ 33,000
Craven, North Carolina 3 $ 482,000 $ 160,666 $ 45,000
Cumberland, North Carolina 3 $ 385,000 $ 128,333 $ 72,000
Henderson, North Carolina 3 $ 580,000 $ 193,333 $ 40,000
Lincoln, North Carolina 3 $ 592,000 $ 197,333 $ 60,000
New Hanover, North Carolina 3 $ 521,000 $ 173,666 $ 83,000
Pitt, North Carolina 3 $ 363,000 $ 121,000 $ 54,000
Coshocton, Ohio 3 $ 274,000 $ 91,333 $ 32,000
Jefferson, Ohio 3 $ 367,000 $ 122,333 $ 46,000
Mahoning, Ohio 3 $ 396,000 $ 132,000 $ 55,000
Pickaway, Ohio 3 $ 559,000 $ 186,333 $ 57,000
Stark, Ohio 3 $ 258,000 $ 86,000 $ 38,000
Summit, Ohio 3 $ 364,000 $ 121,333 $ 74,000
Creek, Oklahoma 3 $ 314,000 $ 104,666 $ 48,000
Osage, Oklahoma 3 $ 315,000 $ 105,000 $ 51,000
Crook, Oregon 3 $ 620,000 $ 206,666 $ 147,000
Tillamook, Oregon 3 $ 971,000 $ 323,666 $ 205,000
Umatilla, Oregon 3 $ 429,000 $ 143,000 $ 89,000
Beaver, Pennsylvania 3 $ 383,000 $ 127,666 $ 44,000
Blair, Pennsylvania 3 $ 451,000 $ 150,333 $ 58,000
Bradford, Pennsylvania 3 $ 385,000 $ 128,333 $ 55,000
Lycoming, Pennsylvania 3 $ 571,000 $ 190,333 $ 69,000
Wayne, Pennsylvania 3 $ 476,000 $ 158,666 $ 43,000
Abbeville, South Carolina 3 $ 383,000 $ 127,666 $ 42,000
Darlington, South Carolina 3 $ 278,000 $ 92,666 $ 42,000
Spartanburg, South Carolina 3 $ 359,000 $ 119,666 $ 54,000
Sumter, South Carolina 3 $ 302,000 $ 100,666 $ 28,000
Coffee, Tennessee 3 $ 395,000 $ 131,666 $ 61,000
Washington, Tennessee 3 $ 399,000 $ 133,000 $ 42,000
Denton, Texas 3 $ 525,000 $ 175,000 $ 58,000
Franklin, Vermont 3 $ 508,000 $ 169,333 $ 44,000
Albemarle, Virginia 3 $ 547,000 $ 182,333 $ 47,000
Caroline, Virginia 3 $ 799,000 $ 266,333 $ 95,000
Cumberland, Virginia 3 $ 337,000 $ 112,333 $ 34,000
Fauquier, Virginia 3 $ 846,000 $ 282,000 $ 69,000
Gloucester, Virginia 3 $ 491,000 $ 163,666 $ 65,000
James City, Virginia 3 $ 611,000 $ 203,666 $ 55,000
Lancaster, Virginia 3 $ 382,000 $ 127,333 $ 36,000
Montgomery, Virginia 3 $ 405,000 $ 135,000 $ 44,000
Petersburg, Virginia 3 $ 394,000 $ 131,333 $ 45,000
Shenandoah, Virginia 3 $ 452,000 $ 150,666 $ 39,000
Spotsylvania, Virginia 3 $ 1,252,000 $ 417,333 $ 83,000
York, Virginia 3 $ 563,000 $ 187,666 $ 60,000
Adams, Washington 3 $ 335,000 $ 111,666 $ 62,000
Mason, Washington 3 $ 723,000 $ 241,000 $ 64,000
Pacific, Washington 3 $ 526,000 $ 175,333 $ 64,000
Stevens, Washington 3 $ 339,000 $ 113,000 $ 33,000
Berkeley, West Virginia 3 $ 454,000 $ 151,333 $ 47,000
Barron, Wisconsin 3 $ 410,000 $ 136,666 $ 47,000
Dodge, Wisconsin 3 $ 547,000 $ 182,333 $ 71,000
Waupaca, Wisconsin 3 $ 384,000 $ 128,000 $ 40,000
Campbell, Wyoming 3 $ 590,000 $ 196,666 $ 103,000
Bibb, Alabama 2 $ 255,000 $ 127,500 $ 48,000
Cherokee, Alabama 2 $ 167,000 $ 83,500 $ 35,000
Coffee, Alabama 2 $ 378,000 $ 189,000 $ 66,000
DeKalb, Alabama 2 $ 207,000 $ 103,500 $ 32,000
Limestone, Alabama 2 $ 325,000 $ 162,500 $ 67,000
Marengo, Alabama 2 $ 196,000 $ 98,000 $ 60,000
Marion, Alabama 2 $ 159,000 $ 79,500 $ 16,000
Montgomery, Alabama 2 $ 360,000 $ 180,000 $ 97,000
Shelby, Alabama 2 $ 206,000 $ 103,000 $ 29,000
Matanuska-Susitna, Alaska 2 $ 402,000 $ 201,000 $ 39,000
Yuma, Arizona 2 $ 270,000 $ 135,000 $ 58,000
Amador, California 2 $ 574,000 $ 287,000 $ 73,000
Glenn, California 2 $ 346,000 $ 173,000 $ 56,000
Kings, California 2 $ 490,000 $ 245,000 $ 62,000
Yuba, California 2 $ 389,000 $ 194,500 $ 62,000
Pueblo, Colorado 2 $ 245,000 $ 122,500 $ 34,000
Teller, Colorado 2 $ 483,000 $ 241,500 $ 69,000
Alachua, Florida 2 $ 246,000 $ 123,000 $ 25,000
Bradford, Florida 2 $ 238,000 $ 119,000 $ 36,000
Charlotte, Florida 2 $ 258,000 $ 129,000 $ 46,000
Citrus, Florida 2 $ 232,000 $ 116,000 $ 27,000
Clay, Florida 2 $ 261,000 $ 130,500 $ 42,000
Hernando, Florida 2 $ 334,000 $ 167,000 $ 57,000
Martin, Florida 2 $ 515,000 $ 257,500 $ 89,000
Seminole, Florida 2 $ 470,000 $ 235,000 $ 30,000
St. Lucie, Florida 2 $ 279,000 $ 139,500 $ 66,000
Suwannee, Florida 2 $ 164,000 $ 82,000 $ 51,000
Atkinson, Georgia 2 $ 214,000 $ 107,000 $ 21,000
Barrow, Georgia 2 $ 205,000 $ 102,500 $ 30,000
Bulloch, Georgia 2 $ 328,000 $ 164,000 $ 121,000
Camden, Georgia 2 $ 381,000 $ 190,500 $ 37,000
Carroll, Georgia 2 $ 225,000 $ 112,500 $ 40,000
Catoosa, Georgia 2 $ 189,000 $ 94,500 $ 48,000
Dawson, Georgia 2 $ 418,000 $ 209,000 $ 77,000
Effingham, Georgia 2 $ 354,000 $ 177,000 $ 34,000
Floyd, Georgia 2 $ 269,000 $ 134,500 $ 43,000
Franklin, Georgia 2 $ 255,000 $ 127,500 $ 49,000
Grady, Georgia 2 $ 395,000 $ 197,500 $ 54,000
Laurens, Georgia 2 $ 189,000 $ 94,500 $ 38,000
Richmond, Georgia 2 $ 250,000 $ 125,000 $ 12,000
Rockdale, Georgia 2 $ 492,000 $ 246,000 $ 80,000
Tift, Georgia 2 $ 204,000 $ 102,000 $ 45,000
Walker, Georgia 2 $ 199,000 $ 99,500 $ 37,000
Maui, Hawaii 2 $ 531,000 $ 265,500 $ 71,000
Bonneville, Idaho 2 $ 378,000 $ 189,000 $ 77,000
Macoupin, Illinois 2 $ 436,000 $ 218,000 $ 88,000
McDonough, Illinois 2 $ 236,000 $ 118,000 $ 62,000
Monroe, Illinois 2 $ 441,000 $ 220,500 $ 79,000
Ogle, Illinois 2 $ 254,000 $ 127,000 $ 73,000
Peoria, Illinois 2 $ 156,000 $ 78,000 $ 19,000
Allen, Indiana 2 $ 161,000 $ 80,500 $ 40,000
Dearborn, Indiana 2 $ 247,000 $ 123,500 $ 45,000
Hamilton, Indiana 2 $ 481,000 $ 240,500 $ 120,000
Hendricks, Indiana 2 $ 730,000 $ 365,000 $ 145,000
Kosciusko, Indiana 2 $ 175,000 $ 87,500 $ 53,000
Marshall, Indiana 2 $ 155,000 $ 77,500 $ 47,000
Porter, Indiana 2 $ 436,000 $ 218,000 $ 82,000
St. Joseph, Indiana 2 $ 156,000 $ 78,000 $ 40,000
Warrick, Indiana 2 $ 258,000 $ 129,000 $ 57,000
Dubuque, Iowa 2 $ 407,000 $ 203,500 $ 49,000
Lee, Iowa 2 $ 245,000 $ 122,500 $ 82,000
Miami, Kansas 2 $ 356,000 $ 178,000 $ 108,000
Shawnee, Kansas 2 $ 264,000 $ 132,000 $ 29,000
Wyandotte, Kansas 2 $ 250,000 $ 125,000 $ 59,000
Anderson, Kentucky 2 $ 223,000 $ 111,500 $ 61,000
Casey, Kentucky 2 $ 218,000 $ 109,000 $ 80,000
Cumberland, Kentucky 2 $ 219,000 $ 109,500 $ 58,000
Madison, Kentucky 2 $ 321,000 $ 160,500 $ 59,000
McCracken, Kentucky 2 $ 133,000 $ 66,500 $ 39,000
Whitley, Kentucky 2 $ 279,000 $ 139,500 $ 61,000
Acadia, Louisiana 2 $ 312,000 $ 156,000 $ 75,000
Caddo, Louisiana 2 $ 176,000 $ 88,000 $ 44,000
Calcasieu, Louisiana 2 $ 279,000 $ 139,500 $ 85,000
Jefferson Davis, Louisiana 2 $ 163,000 $ 81,500 $ 38,000
Morehouse, Louisiana 2 $ 188,000 $ 94,000 $ 52,000
St. Bernard, Louisiana 2 $ 264,000 $ 132,000 $ 31,000
Vernon, Louisiana 2 $ 236,000 $ 118,000 $ 27,000
Webster, Louisiana 2 $ 191,000 $ 95,500 $ 67,000
Aroostook, Maine 2 $ 255,000 $ 127,500 $ 67,000
Kennebec, Maine 2 $ 349,000 $ 174,500 $ 41,000
Lincoln, Maine 2 $ 250,000 $ 125,000 $ 49,000
Allegany, Maryland 2 $ 197,000 $ 98,500 $ 26,000
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Mortgage Loan Application Detail Totals for Gateway Bank, FSB in 2009

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 9,771 $2,558,262,000 $261,000 $1,425,000 $91,000 $1,893,000
Home Purchase 3,850 $930,066,000 $241,000 $1,000,000 $82,000 $1,536,000
Home Improvement 4 $820,000 $205,000 $368,000 $54,000 $71,000

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
Not applicable 12,773 $3,276,085,000 $256,000 $1,000,000 $88,000 $1,893,000
White 408 $108,072,000 $264,000 $1,425,000 $109,000 $902,000
Asian 169 $45,410,000 $268,000 $1,200,000 $96,000 $718,000
Hispanic 156 $31,609,000 $202,000 $750,000 $69,000 $276,000
Not Provided 83 $22,301,000 $268,000 $716,000 $83,000 $253,000
Black or African American 31 $5,258,000 $169,000 $417,000 $98,000 $848,000
Native Hawaiian or Other Pacific Islander 5 $413,000 $82,000 $158,000 $91,000 $217,000
American Indian or Alaskan Native 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) 8,713 $2,428,939,000 $278,000 $1,425,000 $102,000 $1,893,000
FHA-insured (Federal Housing Administration) 4,847 $1,042,225,000 $215,000 $834,000 $65,000 $1,572,000
VA-guaranteed (Veterans Administration) 64 $17,774,000 $277,000 $715,000 $83,000 $237,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 1 $210,000 $210,000 $210,000 $67,000 $67,000

Outcome

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Loan Purchased By The Institution 13,532 $3,458,263,000 $255,000 $1,000,000 $89,000 $1,893,000
Loan Originated 57 $16,361,000 $287,000 $768,000 $108,000 $276,000
Application Withdrawn By Applicant 13 $5,606,000 $431,000 $1,425,000 $156,000 $852,000
Application Approved But Not Accepted 12 $4,962,000 $413,000 $1,044,000 $112,000 $312,000
Application Denied By Financial Institution 10 $3,636,000 $363,000 $1,200,000 $95,000 $265,000
Preapproval Approved but not Accepted 1 $320,000 $320,000 $320,000 $66,000 $66,000
Preapproval Denied by Financial Institution 0 $0 $0 $0 $0 $0
File Closed For Incompleteness 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
Debt-To-Income Ratio 6 $3,080,000 $513,000 $1,200,000 $90,000 $265,000
Other 2 $164,000 $82,000 $101,000 $118,000 $132,000
Unverifiable Information 1 $232,000 $232,000 $232,000 $130,000 $130,000
Collateral 1 $160,000 $160,000 $160,000 $47,000 $47,000
Credit Application Incomplete 0 $0 $0 $0 $0 $0
Credit History 0 $0 $0 $0 $0 $0
Employment History 0 $0 $0 $0 $0 $0
Insufficient Cash (Downpayment, Closing Cost) 0 $0 $0 $0 $0 $0
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Gateway Bank, FSB's 2009 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.
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