Gateway Bank, FSB Mortgage Lending & HMDA Data, 2006
In 2006, Gateway Bank, FSB of San Leandro, CA reported 19,099 mortgage applications totaling $5.3 billion, down 18% from 2005. The average application was for $275,910, and applicants reported an average income of $121,446. 11% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (2,122), Riverside-San Bernardino-Ontario, CA (1,667) and Oakland-Fremont-Hayward, CA (1,306) (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 | 19,099 |
| Total Mortgage Loan Application Amount | $5,269,608,000 |
| Average Mortgage Loan Application Amount | $275,910 |
| Highest Mortgage Loan Application Amount | $4,204,000 |
| Average Applicant Income | $121,446 |
| Highest Applicant Income | $8,619,000 |
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Act (HMDA) records Gateway Bank, FSB filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 2,122 | $ 701,794,000 | $ 330,722 | $ 128,000 |
| Riverside-San Bernardino-Ontario, CA | 1,667 | $ 439,286,000 | $ 263,518 | $ 112,000 |
| Oakland-Fremont-Hayward, CA | 1,306 | $ 421,550,000 | $ 322,779 | $ 141,000 |
| San Francisco-San Mateo-Redwood City, CA | 716 | $ 346,443,000 | $ 483,858 | $ 175,000 |
| Santa Ana-Anaheim-Irvine, CA | 684 | $ 280,714,000 | $ 410,400 | $ 149,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 614 | $ 237,645,000 | $ 387,043 | $ 161,000 |
| Phoenix-Mesa-Scottsdale, AZ | 610 | $ 117,554,000 | $ 192,711 | $ 106,000 |
| Seattle-Bellevue-Everett, WA | 534 | $ 110,268,000 | $ 206,494 | $ 99,000 |
| Las Vegas-Paradise, NV | 533 | $ 117,303,000 | $ 220,080 | $ 109,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 440 | $ 115,207,000 | $ 261,834 | $ 118,000 |
| Salt Lake City, UT | 380 | $ 66,450,000 | $ 174,868 | $ 77,000 |
| Stockton, CA | 314 | $ 85,470,000 | $ 272,197 | $ 113,000 |
| San Diego-Carlsbad-San Marcos, CA | 311 | $ 103,990,000 | $ 334,372 | $ 136,000 |
| Bakersfield, CA | 308 | $ 55,357,000 | $ 179,730 | $ 88,000 |
| Vallejo-Fairfield, CA | 242 | $ 62,671,000 | $ 258,971 | $ 110,000 |
| Salinas, CA | 237 | $ 108,658,000 | $ 458,472 | $ 176,000 |
| Modesto, CA | 219 | $ 52,556,000 | $ 239,981 | $ 119,000 |
| Santa Barbara-Santa Maria, CA | 211 | $ 59,515,000 | $ 282,061 | $ 87,000 |
| Santa Rosa-Petaluma, CA | 197 | $ 72,576,000 | $ 368,406 | $ 152,000 |
| Honolulu, HI | 174 | $ 64,167,000 | $ 368,775 | $ 206,000 |
| Fresno, CA | 155 | $ 30,939,000 | $ 199,606 | $ 99,000 |
| Merced, CA | 112 | $ 25,422,000 | $ 226,982 | $ 250,000 |
| Redding, CA | 112 | $ 19,184,000 | $ 171,285 | $ 81,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 109 | $ 40,365,000 | $ 370,321 | $ 124,000 |
| Denver-Aurora, CO | 88 | $ 17,949,000 | $ 203,965 | $ 147,000 |
| Provo-Orem, UT | 74 | $ 14,306,000 | $ 193,324 | $ 179,000 |
| Santa Cruz-Watsonville, CA | 72 | $ 29,218,000 | $ 405,805 | $ 266,000 |
| San Luis Obispo-Paso Robles, CA | 71 | $ 23,522,000 | $ 331,295 | $ 115,000 |
| Ogden-Clearfield, UT | 68 | $ 10,817,000 | $ 159,073 | $ 68,000 |
| Eugene-Springfield, OR | 56 | $ 9,554,000 | $ 170,607 | $ 92,000 |
| Portland-Vancouver-Beaverton, OR-WA | 54 | $ 12,046,000 | $ 223,074 | $ 142,222 |
| Visalia-Porterville, CA | 49 | $ 7,750,000 | $ 158,163 | $ 86,000 |
| Miami-Miami Beach-Kendall, FL | 44 | $ 16,139,000 | $ 366,795 | $ 168,000 |
| Reno-Sparks, NV | 40 | $ 10,031,000 | $ 250,775 | $ 154,000 |
| Tacoma, WA | 39 | $ 6,432,000 | $ 164,923 | $ 94,000 |
| Tucson, AZ | 39 | $ 6,494,000 | $ 166,512 | $ 86,000 |
| St. George, UT | 36 | $ 6,504,000 | $ 180,666 | $ 69,000 |
| Hanford-Corcoran, CA | 33 | $ 5,584,000 | $ 169,212 | $ 70,000 |
| Boise City-Nampa, ID | 30 | $ 4,260,000 | $ 142,000 | $ 104,000 |
| Madera, CA | 30 | $ 6,065,000 | $ 202,166 | $ 85,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 26 | $ 10,351,000 | $ 398,115 | $ 186,000 |
| Yuba City, CA | 25 | $ 5,022,000 | $ 200,880 | $ 70,000 |
| Chico, CA | 24 | $ 5,458,000 | $ 227,416 | $ 129,000 |
| Napa, CA | 22 | $ 11,025,000 | $ 501,136 | $ 212,000 |
| Tampa-St. Petersburg-Clearwater, FL | 22 | $ 2,985,000 | $ 135,681 | $ 98,000 |
| Newark-Union, NJ-PA | 21 | $ 4,140,000 | $ 197,142 | $ 110,000 |
| Orlando-Kissimmee, FL | 21 | $ 5,419,000 | $ 258,047 | $ 71,000 |
| Bremerton-Silverdale, WA | 17 | $ 3,268,000 | $ 192,235 | $ 100,000 |
| Bellingham, WA | 15 | $ 2,234,000 | $ 148,933 | $ 91,000 |
| Detroit-Livonia-Dearborn, MI | 15 | $ 1,286,000 | $ 85,733 | $ 62,000 |
| Mount Vernon-Anacortes, WA | 15 | $ 2,227,000 | $ 148,466 | $ 87,000 |
| Prescott, AZ | 15 | $ 2,402,000 | $ 160,133 | $ 89,000 |
| Spokane, WA | 13 | $ 1,444,000 | $ 111,076 | $ 74,000 |
| St. Louis, MO-IL | 11 | $ 1,723,000 | $ 156,636 | $ 82,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 10 | $ 2,640,000 | $ 264,000 | $ 130,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 10 | $ 4,308,000 | $ 430,800 | $ 169,500 |
| Cape Coral-Fort Myers, FL | 9 | $ 1,496,000 | $ 166,222 | $ 79,000 |
| Colorado Springs, CO | 9 | $ 1,781,000 | $ 197,888 | $ 93,000 |
| Logan, UT-ID | 9 | $ 1,293,000 | $ 143,666 | $ 58,000 |
| Medford, OR | 9 | $ 1,233,000 | $ 137,000 | $ 346,000 |
| Bend, OR | 8 | $ 1,194,000 | $ 149,250 | $ 88,000 |
| Jacksonville, FL | 8 | $ 888,000 | $ 111,000 | $ 154,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 7 | $ 2,740,000 | $ 391,428 | $ 221,000 |
| Edison, NJ | 7 | $ 1,270,000 | $ 181,428 | $ 111,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 7 | $ 2,612,000 | $ 373,142 | $ 202,000 |
| Baltimore-Towson, MD | 6 | $ 660,000 | $ 110,000 | $ 63,000 |
| Flagstaff, AZ | 6 | $ 701,000 | $ 116,833 | $ 71,000 |
| Olympia, WA | 6 | $ 855,000 | $ 142,500 | $ 90,000 |
| Albuquerque, NM | 5 | $ 679,000 | $ 135,800 | $ 79,000 |
| New York-White Plains-Wayne, NY-NJ | 5 | $ 1,250,000 | $ 250,000 | $ 125,000 |
| Yakima, WA | 5 | $ 526,000 | $ 105,200 | $ 25,000 |
| Carson City, NV | 4 | $ 844,000 | $ 211,000 | $ 96,000 |
| El Centro, CA | 4 | $ 600,000 | $ 150,000 | $ 55,000 |
| Kennewick-Richland-Pasco, WA | 4 | $ 653,000 | $ 163,250 | $ 53,000 |
| New Haven-Milford, CT | 4 | $ 787,000 | $ 196,750 | $ 106,000 |
| Port St. Lucie-Fort Pierce, FL | 4 | $ 630,000 | $ 157,500 | $ 70,000 |
| Greeley, CO | 3 | $ 536,000 | $ 178,666 | $ 94,000 |
| Hartford-West Hartford-East Hartford, CT | 3 | $ 677,000 | $ 225,666 | $ 101,000 |
| Houston-Sugar Land-Baytown, TX | 3 | $ 241,000 | $ 80,333 | $ 106,000 |
| Naples-Marco Island, FL | 3 | $ 398,000 | $ 132,666 | $ 89,000 |
| Raleigh-Cary, NC | 3 | $ 222,000 | $ 74,000 | $ 58,000 |
| Toledo, OH | 3 | $ 352,000 | $ 117,333 | $ 54,000 |
| Wenatchee, WA | 3 | $ 405,000 | $ 135,000 | $ 126,000 |
| Anchorage, AK | 2 | $ 300,000 | $ 150,000 | $ 45,000 |
| Appleton, WI | 2 | $ 121,000 | $ 60,500 | $ 31,000 |
| Baton Rouge, LA | 2 | $ 170,000 | $ 85,000 | $ 235,000 |
| Bethesda-Gaithersburg-Frederick, MD | 2 | $ 1,000,000 | $ 500,000 | $ 354,000 |
| Boulder, CO | 2 | $ 317,000 | $ 158,500 | $ 85,000 |
| Bridgeport-Stamford-Norwalk, CT | 2 | $ 440,000 | $ 220,000 | $ 132,000 |
| Corvallis, OR | 2 | $ 101,000 | $ 50,500 | $ 37,000 |
| Dallas-Plano-Irving, TX | 2 | $ 1,298,000 | $ 649,000 | $ 820,000 |
| Essex County, MA | 2 | $ 524,000 | $ 262,000 | $ 147,000 |
| Fairbanks, AK | 2 | $ 226,000 | $ 113,000 | $ 78,000 |
| Gainesville, GA | 2 | $ 157,000 | $ 78,500 | $ 65,000 |
| Idaho Falls, ID | 2 | $ 430,000 | $ 215,000 | $ 87,000 |
| Kansas City, MO-KS | 2 | $ 215,000 | $ 107,500 | $ 62,000 |
| Lakeland, FL | 2 | $ 425,000 | $ 212,500 | $ 0 |
| Lansing-East Lansing, MI | 2 | $ 68,000 | $ 34,000 | $ 102,000 |
| Little Rock-North Little Rock, AR | 2 | $ 126,000 | $ 63,000 | $ 121,000 |
| Longview, WA | 2 | $ 113,000 | $ 56,500 | $ 108,000 |
| Milwaukee-Waukesha-West Allis, WI | 2 | $ 254,000 | $ 127,000 | $ 36,000 |
| Nashville-Davidson--Murfreesboro, TN | 2 | $ 139,000 | $ 69,500 | $ 48,000 |
| New Orleans-Metairie-Kenner, LA | 2 | $ 130,000 | $ 65,000 | $ 216,000 |
| Oklahoma City, OK | 2 | $ 140,000 | $ 70,000 | $ 44,000 |
| Pensacola-Ferry Pass-Brent, FL | 2 | $ 238,000 | $ 119,000 | $ 58,000 |
| Philadelphia, PA | 2 | $ 130,000 | $ 65,000 | $ 0 |
| Saginaw-Saginaw Township North, MI | 2 | $ 67,000 | $ 33,500 | $ 0 |
| Salem, OR | 2 | $ 564,000 | $ 282,000 | $ 74,000 |
| Salisbury, MD | 2 | $ 265,000 | $ 132,500 | $ 151,000 |
| San Antonio, TX | 2 | $ 179,000 | $ 89,500 | $ 62,000 |
| Tallahassee, FL | 2 | $ 258,000 | $ 129,000 | $ 72,000 |
| Anderson, SC | 1 | $ 94,000 | $ 94,000 | $ 30,000 |
| Atlanta-Sandy Springs-Marietta, GA | 1 | $ 141,000 | $ 141,000 | $ 42,000 |
| Austin-Round Rock, TX | 1 | $ 145,000 | $ 145,000 | $ 108,000 |
| Casper, WY | 1 | $ 137,000 | $ 137,000 | $ 42,000 |
| Chicago-Naperville-Joliet, IL | 1 | $ 141,000 | $ 141,000 | $ 58,000 |
| Coeur D'Alene, ID | 1 | $ 147,000 | $ 147,000 | $ 64,000 |
| Fort Collins-Loveland, CO | 1 | $ 120,000 | $ 120,000 | $ 22,000 |
| Fort Smith, AR-OK | 1 | $ 45,000 | $ 45,000 | $ 34,000 |
| Fort Walton Beach-Crestview-Destin, FL | 1 | $ 143,000 | $ 143,000 | $ 78,000 |
| Fort Worth-Arlington, TX | 1 | $ 85,000 | $ 85,000 | $ 103,000 |
| Grand Junction, CO | 1 | $ 216,000 | $ 216,000 | $ 0 |
| Great Falls, MT | 1 | $ 62,000 | $ 62,000 | $ 80,000 |
| Jacksonville, NC | 1 | $ 89,000 | $ 89,000 | $ 75,000 |
| Madison, WI | 1 | $ 58,000 | $ 58,000 | $ 150,000 |
| Missoula, MT | 1 | $ 300,000 | $ 300,000 | $ 70,000 |
| Nassau-Suffolk, NY | 1 | $ 356,000 | $ 356,000 | $ 109,000 |
| Ocean City, NJ | 1 | $ 167,000 | $ 167,000 | $ 60,000 |
| Providence-New Bedford-Fall River, RI-MA | 1 | $ 234,000 | $ 234,000 | $ 47,000 |
| Pueblo, CO | 1 | $ 63,000 | $ 63,000 | $ 42,000 |
| Richmond, VA | 1 | $ 102,000 | $ 102,000 | $ 30,000 |
| Sarasota-Bradenton-Venice, FL | 1 | $ 1,600,000 | $ 1,600,000 | $ 485,000 |
| Savannah, GA | 1 | $ 79,000 | $ 79,000 | $ 31,000 |
| Tuscaloosa, AL | 1 | $ 171,000 | $ 171,000 | $ 43,000 |
| Yuma, AZ | 1 | $ 166,000 | $ 166,000 | $ 116,000 |
Mortgage Loan Application Detail Totals for Gateway Bank, FSB in 2006
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 | 9,854 | $2,958,300,000 | $300,000 | $4,200,000 | $120,000 | $8,619,000 |
| Home Purchase | 9,241 | $2,309,896,000 | $249,000 | $4,204,000 | $123,000 | $5,630,000 |
| Home Improvement | 4 | $1,412,000 | $353,000 | $512,000 | $96,000 | $140,000 |
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 | 7,445 | $2,072,431,000 | $278,000 | $4,204,000 | $137,000 | $8,619,000 |
| Hispanic | 5,554 | $1,445,287,000 | $260,000 | $3,000,000 | $102,000 | $1,225,000 |
| Black or African American | 1,955 | $462,007,000 | $236,000 | $1,500,000 | $100,000 | $1,565,000 |
| Not Provided | 1,899 | $557,265,000 | $293,000 | $3,600,000 | $117,000 | $4,100,000 |
| Asian | 1,892 | $623,349,000 | $329,000 | $4,000,000 | $139,000 | $5,630,000 |
| Native Hawaiian or Other Pacific Islander | 284 | $89,190,000 | $314,000 | $1,540,000 | $138,000 | $1,068,000 |
| American Indian or Alaskan Native | 70 | $20,079,000 | $286,000 | $1,024,000 | $145,000 | $1,390,000 |
| 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) | 18,561 | $5,158,307,000 | $277,000 | $4,204,000 | $123,000 | $8,619,000 |
| FHA-insured (Federal Housing Administration) | 496 | $104,322,000 | $210,000 | $650,000 | $68,000 | $2,957,000 |
| VA-guaranteed (Veterans Administration) | 42 | $6,979,000 | $166,000 | $326,000 | $117,000 | $2,491,000 |
| 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 | 14,761 | $4,068,417,000 | $275,000 | $4,204,000 | $115,000 | $8,619,000 |
| Loan Originated | 2,051 | $564,038,000 | $275,000 | $1,750,000 | $128,000 | $1,471,000 |
| Application Denied By Financial Institution | 1,069 | $291,764,000 | $272,000 | $2,860,000 | $160,000 | $1,404,000 |
| Application Approved But Not Accepted | 739 | $205,670,000 | $278,000 | $1,750,000 | $148,000 | $1,380,000 |
| Application Withdrawn By Applicant | 411 | $120,026,000 | $292,000 | $2,000,000 | $155,000 | $1,730,000 |
| File Closed For Incompleteness | 68 | $19,693,000 | $289,000 | $1,129,000 | $116,000 | $480,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 305 | $86,991,000 | $285,000 | $2,860,000 | $153,000 | $780,000 |
| Other | 229 | $59,297,000 | $258,000 | $1,200,000 | $178,000 | $1,047,000 |
| Collateral | 143 | $32,943,000 | $230,000 | $918,000 | $159,000 | $824,000 |
| Debt-To-Income Ratio | 142 | $41,683,000 | $293,000 | $1,216,000 | $141,000 | $1,200,000 |
| Employment History | 108 | $31,344,000 | $290,000 | $1,095,000 | $155,000 | $372,000 |
| Unverifiable Information | 59 | $15,657,000 | $265,000 | $743,000 | $157,000 | $1,112,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 52 | $15,794,000 | $303,000 | $1,120,000 | $180,000 | $487,000 |
| Credit Application Incomplete | 31 | $8,055,000 | $259,000 | $930,000 | $176,000 | $1,404,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Gateway Bank, FSB's 2006 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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