Gateway Bank, FSB Mortgage Lending & HMDA Data, 2010
In 2010, Gateway Bank, FSB of San Leandro, CA reported 15,715 mortgage applications totaling $4.8 billion, up 15% from 2009. The average application was for $302,727, and applicants reported an average income of $113,356. 0% of its applications resulted in an originated loan and 0% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (4,197), Santa Ana-Anaheim-Irvine, CA (1,983) and Riverside-San Bernardino-Ontario, CA (1,918) (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 | 15,715 |
| Total Mortgage Loan Application Amount | $4,757,361,000 |
| Average Mortgage Loan Application Amount | $302,727 |
| Highest Mortgage Loan Application Amount | $1,500,000 |
| Average Applicant Income | $113,356 |
| Highest Applicant Income | $1,981,000 |
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Act (HMDA) records Gateway Bank, FSB filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Los Angeles-Long Beach-Glendale, CA | 4,197 | $ 1,356,123,000 | $ 323,117 | $ 116,000 |
| Santa Ana-Anaheim-Irvine, CA | 1,983 | $ 665,298,000 | $ 335,500 | $ 120,000 |
| Riverside-San Bernardino-Ontario, CA | 1,918 | $ 372,519,000 | $ 194,222 | $ 80,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 1,170 | $ 496,436,000 | $ 424,304 | $ 144,000 |
| Oakland-Fremont-Hayward, CA | 1,093 | $ 432,240,000 | $ 395,462 | $ 141,000 |
| San Francisco-San Mateo-Redwood City, CA | 450 | $ 215,814,000 | $ 479,586 | $ 193,000 |
| San Diego-Carlsbad-San Marcos, CA | 394 | $ 134,111,000 | $ 340,383 | $ 125,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 327 | $ 118,288,000 | $ 361,737 | $ 141,000 |
| Honolulu, HI | 297 | $ 121,348,000 | $ 408,579 | $ 113,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 252 | $ 57,070,000 | $ 226,468 | $ 105,000 |
| Denver-Aurora-Broomfield, CO | 223 | $ 51,835,000 | $ 232,443 | $ 89,000 |
| Fresno, CA | 211 | $ 39,257,000 | $ 186,052 | $ 85,000 |
| Rochester, NY | 208 | $ 28,252,000 | $ 135,826 | $ 74,000 |
| New York-White Plains-Wayne, NY-NJ | 160 | $ 54,325,000 | $ 339,531 | $ 89,625 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 155 | $ 36,521,000 | $ 235,619 | $ 77,141 |
| Seattle-Bellevue-Everett, WA | 119 | $ 31,817,000 | $ 267,369 | $ 113,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 119 | $ 32,696,000 | $ 274,756 | $ 100,142 |
| Salt Lake City, UT | 111 | $ 20,892,000 | $ 188,216 | $ 58,000 |
| Atlanta-Sandy Springs-Marietta, GA | 84 | $ 13,940,000 | $ 165,952 | $ 85,000 |
| Nassau-Suffolk, NY | 79 | $ 24,288,000 | $ 307,443 | $ 103,000 |
| Stockton, CA | 71 | $ 13,442,000 | $ 189,323 | $ 116,000 |
| Albuquerque, NM | 67 | $ 12,271,000 | $ 183,149 | $ 91,000 |
| Santa Rosa-Petaluma, CA | 65 | $ 20,138,000 | $ 309,815 | $ 120,000 |
| Dallas-Plano-Irving, TX | 62 | $ 13,201,000 | $ 212,919 | $ 116,000 |
| Phoenix-Mesa-Glendale, AZ | 58 | $ 9,435,000 | $ 162,672 | $ 92,000 |
| Houston-Sugar Land-Baytown, TX | 52 | $ 10,557,000 | $ 203,019 | $ 121,000 |
| Las Vegas-Paradise, NV | 50 | $ 6,986,000 | $ 139,720 | $ 56,000 |
| Edison-New Brunswick, NJ | 44 | $ 12,056,000 | $ 274,000 | $ 110,000 |
| Richmond, VA | 42 | $ 8,411,000 | $ 200,261 | $ 68,000 |
| Modesto, CA | 41 | $ 6,278,000 | $ 153,121 | $ 67,000 |
| Baltimore-Towson, MD | 40 | $ 10,539,000 | $ 263,475 | $ 98,000 |
| Santa Cruz-Watsonville, CA | 40 | $ 13,889,000 | $ 347,225 | $ 140,000 |
| Buffalo-Niagara Falls, NY | 39 | $ 5,615,000 | $ 143,974 | $ 74,000 |
| Salinas, CA | 38 | $ 10,526,000 | $ 277,000 | $ 121,000 |
| Vallejo-Fairfield, CA | 38 | $ 9,347,000 | $ 245,973 | $ 101,000 |
| San Luis Obispo-Paso Robles, CA | 37 | $ 12,672,000 | $ 342,486 | $ 183,000 |
| Bakersfield-Delano, CA | 31 | $ 5,211,000 | $ 168,096 | $ 97,000 |
| Ogden-Clearfield, UT | 31 | $ 5,623,000 | $ 181,387 | $ 70,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 31 | $ 7,322,000 | $ 236,193 | $ 97,354 |
| Provo-Orem, UT | 30 | $ 5,570,000 | $ 185,666 | $ 62,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 30 | $ 10,845,000 | $ 361,500 | $ 122,000 |
| Eugene-Springfield, OR | 26 | $ 4,748,000 | $ 182,615 | $ 84,000 |
| Hartford-West Hartford-East Hartford, CT | 25 | $ 5,183,000 | $ 207,320 | $ 81,000 |
| Fort Worth-Arlington, TX | 24 | $ 4,026,000 | $ 167,750 | $ 90,000 |
| Colorado Springs, CO | 22 | $ 5,463,000 | $ 248,318 | $ 97,000 |
| Raleigh-Cary, NC | 22 | $ 4,651,000 | $ 211,409 | $ 121,000 |
| Bethesda-Rockville-Frederick, MD | 21 | $ 6,726,000 | $ 320,285 | $ 100,000 |
| Albany-Schenectady-Troy, NY | 19 | $ 2,964,000 | $ 156,000 | $ 62,000 |
| Boulder, CO | 18 | $ 5,937,000 | $ 329,833 | $ 109,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 18 | $ 3,290,000 | $ 182,777 | $ 69,000 |
| Chicago-Joliet-Naperville, IL | 17 | $ 4,248,000 | $ 249,882 | $ 100,000 |
| Merced, CA | 17 | $ 1,855,000 | $ 109,117 | $ 78,000 |
| Bremerton-Silverdale, WA | 16 | $ 2,978,000 | $ 186,125 | $ 83,000 |
| Napa, CA | 16 | $ 6,851,000 | $ 428,187 | $ 168,000 |
| Providence-New Bedford-Fall River, RI-MA | 16 | $ 4,056,000 | $ 253,500 | $ 86,750 |
| Columbus, OH | 15 | $ 3,506,000 | $ 233,733 | $ 101,000 |
| San Antonio-New Braunfels, TX | 15 | $ 2,384,000 | $ 158,933 | $ 95,000 |
| Newark-Union, NJ-PA | 14 | $ 3,657,000 | $ 261,214 | $ 85,428 |
| Philadelphia, PA | 14 | $ 2,631,000 | $ 187,928 | $ 80,000 |
| Austin-Round Rock-San Marcos, TX | 13 | $ 3,366,000 | $ 258,923 | $ 174,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 13 | $ 2,706,000 | $ 208,153 | $ 68,000 |
| Boise City-Nampa, ID | 12 | $ 1,821,000 | $ 151,750 | $ 61,000 |
| Camden, NJ | 12 | $ 2,296,000 | $ 191,333 | $ 63,000 |
| Pittsburgh, PA | 12 | $ 1,474,000 | $ 122,833 | $ 58,000 |
| Redding, CA | 12 | $ 3,160,000 | $ 263,333 | $ 187,000 |
| Syracuse, NY | 12 | $ 1,760,000 | $ 146,666 | $ 63,000 |
| Tacoma, WA | 12 | $ 3,174,000 | $ 264,500 | $ 127,000 |
| Tucson, AZ | 12 | $ 2,514,000 | $ 209,500 | $ 85,000 |
| Charlotte-Gastonia-Rock Hill, NC-SC | 11 | $ 2,186,000 | $ 198,727 | $ 64,818 |
| Knoxville, TN | 11 | $ 1,552,000 | $ 141,090 | $ 49,000 |
| Reno-Sparks, NV | 11 | $ 1,703,000 | $ 154,818 | $ 103,000 |
| Visalia-Porterville, CA | 11 | $ 2,064,000 | $ 187,636 | $ 72,000 |
| Greeley, CO | 10 | $ 2,072,000 | $ 207,200 | $ 89,000 |
| Louisville-Jefferson County, KY-IN | 10 | $ 1,578,000 | $ 157,800 | $ 54,900 |
| Madera-Chowchilla, CA | 10 | $ 1,350,000 | $ 135,000 | $ 81,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 10 | $ 2,817,000 | $ 281,700 | $ 98,000 |
| Salem, OR | 10 | $ 2,093,000 | $ 209,300 | $ 85,000 |
| Wenatchee-East Wenatchee, WA | 10 | $ 2,000,000 | $ 200,000 | $ 61,000 |
| New Haven-Milford, CT | 9 | $ 1,704,000 | $ 189,333 | $ 99,000 |
| Tampa-St. Petersburg-Clearwater, FL | 9 | $ 1,550,000 | $ 172,222 | $ 90,000 |
| Cincinnati-Middletown, OH-KY-IN | 8 | $ 1,263,000 | $ 157,875 | $ 61,000 |
| Augusta-Richmond County, GA-SC | 7 | $ 847,000 | $ 121,000 | $ 48,000 |
| El Centro, CA | 7 | $ 991,000 | $ 141,571 | $ 74,000 |
| Jacksonville, FL | 7 | $ 1,086,000 | $ 155,142 | $ 48,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 7 | $ 1,668,000 | $ 238,285 | $ 90,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 7 | $ 1,045,000 | $ 149,285 | $ 78,000 |
| Akron, OH | 6 | $ 860,000 | $ 143,333 | $ 82,000 |
| Gainesville, GA | 6 | $ 730,000 | $ 121,666 | $ 54,000 |
| Greensboro-High Point, NC | 6 | $ 1,040,000 | $ 173,333 | $ 57,000 |
| Hanford-Corcoran, CA | 6 | $ 1,004,000 | $ 167,333 | $ 101,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 5 | $ 872,000 | $ 174,400 | $ 106,600 |
| Chattanooga, TN-GA | 5 | $ 642,000 | $ 128,400 | $ 70,200 |
| Cleveland-Elyria-Mentor, OH | 5 | $ 527,000 | $ 105,400 | $ 25,000 |
| Gary, IN | 5 | $ 489,000 | $ 97,800 | $ 56,000 |
| Lynchburg, VA | 5 | $ 803,000 | $ 160,600 | $ 55,000 |
| Macon, GA | 5 | $ 939,000 | $ 187,800 | $ 58,000 |
| Miami-Miami Beach-Kendall, FL | 5 | $ 1,017,000 | $ 203,400 | $ 80,000 |
| Scranton--Wilkes-Barre, PA | 5 | $ 796,000 | $ 159,200 | $ 81,000 |
| Worcester, MA | 5 | $ 1,359,000 | $ 271,800 | $ 90,000 |
| Yuba City, CA | 5 | $ 746,000 | $ 149,200 | $ 106,000 |
| Bellingham, WA | 4 | $ 479,000 | $ 119,750 | $ 80,000 |
| Bridgeport-Stamford-Norwalk, CT | 4 | $ 1,151,000 | $ 287,750 | $ 106,000 |
| Cambridge-Newton-Framingham, MA | 4 | $ 1,628,000 | $ 407,000 | $ 147,000 |
| Dayton, OH | 4 | $ 505,000 | $ 126,250 | $ 51,000 |
| Farmington, NM | 4 | $ 800,000 | $ 200,000 | $ 108,000 |
| Fort Collins-Loveland, CO | 4 | $ 814,000 | $ 203,500 | $ 77,000 |
| Glens Falls, NY | 4 | $ 691,000 | $ 172,750 | $ 75,000 |
| Idaho Falls, ID | 4 | $ 506,000 | $ 126,500 | $ 52,000 |
| Indianapolis-Carmel, IN | 4 | $ 329,000 | $ 82,250 | $ 45,000 |
| Olympia, WA | 4 | $ 901,000 | $ 225,250 | $ 83,000 |
| Warren-Troy-Farmington Hills, MI | 4 | $ 642,000 | $ 160,500 | $ 37,000 |
| Asheville, NC | 3 | $ 608,000 | $ 202,666 | $ 76,000 |
| Binghamton, NY | 3 | $ 414,000 | $ 138,000 | $ 54,000 |
| Boston-Quincy, MA | 3 | $ 782,000 | $ 260,666 | $ 89,000 |
| Chico, CA | 3 | $ 756,000 | $ 252,000 | $ 76,000 |
| Durham-Chapel Hill, NC | 3 | $ 736,000 | $ 245,333 | $ 85,000 |
| Harrisburg-Carlisle, PA | 3 | $ 422,000 | $ 140,666 | $ 57,000 |
| Ithaca, NY | 3 | $ 498,000 | $ 166,000 | $ 62,000 |
| Kingsport-Bristol-Bristol, TN-VA | 3 | $ 329,000 | $ 109,666 | $ 29,000 |
| Lancaster, PA | 3 | $ 420,000 | $ 140,000 | $ 66,000 |
| Las Cruces, NM | 3 | $ 632,000 | $ 210,666 | $ 84,000 |
| Logan, UT-ID | 3 | $ 696,000 | $ 232,000 | $ 62,000 |
| Memphis, TN-MS-AR | 3 | $ 575,000 | $ 191,666 | $ 57,000 |
| Milwaukee-Waukesha-West Allis, WI | 3 | $ 659,000 | $ 219,666 | $ 69,000 |
| Mount Vernon-Anacortes, WA | 3 | $ 685,000 | $ 228,333 | $ 85,000 |
| Norwich-New London, CT | 3 | $ 645,000 | $ 215,000 | $ 65,000 |
| Orlando-Kissimmee-Sanford, FL | 3 | $ 630,000 | $ 210,000 | $ 64,000 |
| Pocatello, ID | 3 | $ 446,000 | $ 148,666 | $ 35,000 |
| Roanoke, VA | 3 | $ 624,000 | $ 208,000 | $ 76,000 |
| Spokane, WA | 3 | $ 754,000 | $ 251,333 | $ 71,000 |
| Utica-Rome, NY | 3 | $ 483,000 | $ 161,000 | $ 86,000 |
| Winston-Salem, NC | 3 | $ 366,000 | $ 122,000 | $ 68,000 |
| Atlantic City-Hammonton, NJ | 2 | $ 287,000 | $ 143,500 | $ 47,000 |
| Barnstable Town, MA | 2 | $ 416,000 | $ 208,000 | $ 73,000 |
| Beaumont-Port Arthur, TX | 2 | $ 230,000 | $ 115,000 | $ 69,000 |
| Billings, MT | 2 | $ 273,000 | $ 136,500 | $ 48,000 |
| Birmingham-Hoover, AL | 2 | $ 219,000 | $ 109,500 | $ 54,000 |
| Brownsville-Harlingen, TX | 2 | $ 147,000 | $ 73,500 | $ 48,000 |
| Brunswick, GA | 2 | $ 444,000 | $ 222,000 | $ 59,000 |
| Cape Coral-Fort Myers, FL | 2 | $ 187,000 | $ 93,500 | $ 80,000 |
| Charleston-North Charleston-Summerville, SC | 2 | $ 402,000 | $ 201,000 | $ 59,000 |
| Des Moines-West Des Moines, IA | 2 | $ 305,000 | $ 152,500 | $ 59,000 |
| Dover, DE | 2 | $ 420,000 | $ 210,000 | $ 70,000 |
| Erie, PA | 2 | $ 174,000 | $ 87,000 | $ 42,000 |
| Kingston, NY | 2 | $ 255,000 | $ 127,500 | $ 48,000 |
| Longview, WA | 2 | $ 457,000 | $ 228,500 | $ 68,000 |
| McAllen-Edinburg-Mission, TX | 2 | $ 170,000 | $ 85,000 | $ 29,000 |
| New Orleans-Metairie-Kenner, LA | 2 | $ 518,000 | $ 259,000 | $ 74,000 |
| Oklahoma City, OK | 2 | $ 333,000 | $ 166,500 | $ 76,000 |
| Peabody, MA | 2 | $ 363,000 | $ 181,500 | $ 41,000 |
| Port St. Lucie, FL | 2 | $ 448,000 | $ 224,000 | $ 54,000 |
| Reading, PA | 2 | $ 378,000 | $ 189,000 | $ 76,000 |
| Sheboygan, WI | 2 | $ 374,000 | $ 187,000 | $ 97,000 |
| Victoria, TX | 2 | $ 298,000 | $ 149,000 | $ 123,000 |
| Wilmington, NC | 2 | $ 356,000 | $ 178,000 | $ 101,000 |
| York-Hanover, PA | 2 | $ 289,000 | $ 144,500 | $ 68,000 |
| Youngstown-Warren-Boardman, OH-PA | 2 | $ 201,000 | $ 100,500 | $ 30,000 |
| Altoona, PA | 1 | $ 153,000 | $ 153,000 | $ 35,000 |
| Appleton, WI | 1 | $ 256,000 | $ 256,000 | $ 80,000 |
| Athens-Clarke County, GA | 1 | $ 98,000 | $ 98,000 | $ 37,000 |
| Bangor, ME | 1 | $ 104,000 | $ 104,000 | $ 59,000 |
| Bend, OR | 1 | $ 234,000 | $ 234,000 | $ 72,000 |
| Burlington-South Burlington, VT | 1 | $ 259,000 | $ 259,000 | $ 108,000 |
| Carson City, NV | 1 | $ 281,000 | $ 281,000 | $ 12,000 |
| Clarksville, TN-KY | 1 | $ 232,000 | $ 232,000 | $ 161,000 |
| Cleveland, TN | 1 | $ 122,000 | $ 122,000 | $ 67,000 |
| Coeur D'Alene, ID | 1 | $ 134,000 | $ 134,000 | $ 38,000 |
| Columbia, SC | 1 | $ 344,000 | $ 344,000 | $ 110,000 |
| Columbus, GA-AL | 1 | $ 112,000 | $ 112,000 | $ 85,000 |
| Corpus Christi, TX | 1 | $ 84,000 | $ 84,000 | $ 70,000 |
| Corvallis, OR | 1 | $ 110,000 | $ 110,000 | $ 31,000 |
| Crestview-Fort Walton Beach-Destin, FL | 1 | $ 137,000 | $ 137,000 | $ 85,000 |
| Davenport-Moline-Rock Island, IA-IL | 1 | $ 245,000 | $ 245,000 | $ 102,000 |
| Detroit-Livonia-Dearborn, MI | 1 | $ 169,000 | $ 169,000 | $ 48,000 |
| Elmira, NY | 1 | $ 109,000 | $ 109,000 | $ 31,000 |
| Evansville, IN-KY | 1 | $ 121,000 | $ 121,000 | $ 44,000 |
| Fayetteville, NC | 1 | $ 136,000 | $ 136,000 | $ 53,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 1 | $ 75,000 | $ 75,000 | $ 18,000 |
| Florence, SC | 1 | $ 152,000 | $ 152,000 | $ 29,000 |
| Fort Smith, AR-OK | 1 | $ 197,000 | $ 197,000 | $ 94,000 |
| Fort Wayne, IN | 1 | $ 74,000 | $ 74,000 | $ 32,000 |
| Gainesville, FL | 1 | $ 169,000 | $ 169,000 | $ 26,000 |
| Grand Rapids-Wyoming, MI | 1 | $ 66,000 | $ 66,000 | $ 19,000 |
| Harrisonburg, VA | 1 | $ 265,000 | $ 265,000 | $ 90,000 |
| Huntington-Ashland, WV-KY-OH | 1 | $ 248,000 | $ 248,000 | $ 114,000 |
| Huntsville, AL | 1 | $ 281,000 | $ 281,000 | $ 118,000 |
| Jacksonville, NC | 1 | $ 131,000 | $ 131,000 | $ 49,000 |
| Johnson City, TN | 1 | $ 75,000 | $ 75,000 | $ 48,000 |
| Johnstown, PA | 1 | $ 72,000 | $ 72,000 | $ 41,000 |
| Kansas City, MO-KS | 1 | $ 242,000 | $ 242,000 | $ 48,000 |
| Lake County-Kenosha County, IL-WI | 1 | $ 152,000 | $ 152,000 | $ 55,000 |
| Lake Havasu City-Kingman, AZ | 1 | $ 250,000 | $ 250,000 | $ 116,000 |
| Lakeland-Winter Haven, FL | 1 | $ 296,000 | $ 296,000 | $ 164,000 |
| Lewiston, ID-WA | 1 | $ 370,000 | $ 370,000 | $ 107,000 |
| Manchester-Nashua, NH | 1 | $ 240,000 | $ 240,000 | $ 133,000 |
| Medford, OR | 1 | $ 83,000 | $ 83,000 | $ 82,000 |
| Mobile, AL | 1 | $ 139,000 | $ 139,000 | $ 55,000 |
| Muncie, IN | 1 | $ 59,000 | $ 59,000 | $ 17,000 |
| Myrtle Beach-North Myrtle Beach-Conway, SC | 1 | $ 160,000 | $ 160,000 | $ 38,000 |
| North Port-Bradenton-Sarasota, FL | 1 | $ 173,000 | $ 173,000 | $ 41,000 |
| Ocean City, NJ | 1 | $ 175,000 | $ 175,000 | $ 67,000 |
| Panama City-Lynn Haven-Panama City Beach, FL | 1 | $ 108,000 | $ 108,000 | $ 58,000 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 248,000 | $ 248,000 | $ 110,000 |
| Pueblo, CO | 1 | $ 141,000 | $ 141,000 | $ 74,000 |
| Punta Gorda, FL | 1 | $ 147,000 | $ 147,000 | $ 66,000 |
| Racine, WI | 1 | $ 95,000 | $ 95,000 | $ 42,000 |
| Rockingham County-Strafford County, NH | 1 | $ 260,000 | $ 260,000 | $ 61,000 |
| Saginaw-Saginaw Township North, MI | 1 | $ 140,000 | $ 140,000 | $ 77,000 |
| Salisbury, MD | 1 | $ 146,000 | $ 146,000 | $ 69,000 |
| Santa Fe, NM | 1 | $ 119,000 | $ 119,000 | $ 121,000 |
| Savannah, GA | 1 | $ 417,000 | $ 417,000 | $ 109,000 |
| South Bend-Mishawaka, IN-MI | 1 | $ 115,000 | $ 115,000 | $ 97,000 |
| Spartanburg, SC | 1 | $ 185,000 | $ 185,000 | $ 57,000 |
| Springfield, MA | 1 | $ 383,000 | $ 383,000 | $ 199,000 |
| Springfield, OH | 1 | $ 141,000 | $ 141,000 | $ 42,000 |
| St. George, UT | 1 | $ 176,000 | $ 176,000 | $ 0 |
| St. Louis, MO-IL | 1 | $ 197,000 | $ 197,000 | $ 77,000 |
| Terre Haute, IN | 1 | $ 61,000 | $ 61,000 | $ 43,000 |
| Texarkana, Tx-Texarkana, AR | 1 | $ 148,000 | $ 148,000 | $ 43,000 |
| Toledo, OH | 1 | $ 130,000 | $ 130,000 | $ 89,000 |
| Warner Robins, GA | 1 | $ 164,000 | $ 164,000 | $ 59,000 |
| Wichita Falls, TX | 1 | $ 128,000 | $ 128,000 | $ 72,000 |
| Williamsport, PA | 1 | $ 156,000 | $ 156,000 | $ 67,000 |
| Yakima, WA | 1 | $ 200,000 | $ 200,000 | $ 65,000 |
Mortgage Loan Application Detail Totals for Gateway Bank, FSB in 2010
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 | 9,506 | $3,141,416,000 | $330,000 | $1,500,000 | $126,000 | $1,981,000 |
| Home Purchase | 6,209 | $1,615,945,000 | $260,000 | $1,076,000 | $94,000 | $1,756,000 |
| Home Improvement | 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 | 6,235 | $1,889,976,000 | $303,000 | $1,500,000 | $125,000 | $1,886,000 |
| Asian | 5,812 | $1,948,833,000 | $335,000 | $1,120,000 | $117,000 | $1,734,000 |
| Hispanic | 2,053 | $443,769,000 | $216,000 | $730,000 | $69,000 | $1,981,000 |
| Not Provided | 1,065 | $333,481,000 | $313,000 | $1,391,000 | $116,000 | $1,330,000 |
| Black or African American | 402 | $95,847,000 | $238,000 | $707,000 | $80,000 | $451,000 |
| Native Hawaiian or Other Pacific Islander | 111 | $34,767,000 | $313,000 | $626,000 | $99,000 | $336,000 |
| American Indian or Alaskan Native | 37 | $10,688,000 | $288,000 | $715,000 | $124,000 | $363,000 |
| 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) | 12,189 | $3,906,410,000 | $320,000 | $1,500,000 | $125,000 | $1,981,000 |
| FHA-insured (Federal Housing Administration) | 3,324 | $792,431,000 | $238,000 | $853,000 | $72,000 | $626,000 |
| VA-guaranteed (Veterans Administration) | 202 | $58,520,000 | $289,000 | $962,000 | $85,000 | $363,000 |
| 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 | 15,640 | $4,738,770,000 | $302,000 | $1,500,000 | $113,000 | $1,981,000 |
| Loan Originated | 49 | $11,857,000 | $241,000 | $1,012,000 | $129,000 | $1,080,000 |
| Application Denied By Financial Institution | 12 | $2,781,000 | $231,000 | $436,000 | $98,000 | $170,000 |
| Application Approved But Not Accepted | 7 | $2,143,000 | $306,000 | $462,000 | $84,000 | $190,000 |
| Application Withdrawn By Applicant | 5 | $1,421,000 | $284,000 | $445,000 | $130,000 | $244,000 |
| File Closed For Incompleteness | 2 | $389,000 | $194,000 | $242,000 | $70,000 | $82,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 7 | $1,771,000 | $253,000 | $436,000 | $88,000 | $117,000 |
| Collateral | 4 | $938,000 | $234,000 | $417,000 | $117,000 | $170,000 |
| Other | 1 | $72,000 | $72,000 | $72,000 | $96,000 | $96,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 2010 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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