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Act (HMDA) records Gateway Bank, FSB filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| 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 | 2,196 | $ 642,871,000 | $ 292,746 | $ 91,000 |
| Riverside-San Bernardino-Ontario, CA | 1,094 | $ 197,707,000 | $ 180,719 | $ 77,000 |
| Santa Ana-Anaheim-Irvine, CA | 810 | $ 255,159,000 | $ 315,011 | $ 103,000 |
| Oakland-Fremont-Hayward, CA | 764 | $ 243,867,000 | $ 319,197 | $ 125,000 |
| New York-White Plains-Wayne, NY-NJ | 690 | $ 246,895,000 | $ 357,818 | $ 89,604 |
| San Jose-Sunnyvale-Santa Clara, CA | 536 | $ 188,038,000 | $ 350,817 | $ 123,000 |
| San Francisco-San Mateo-Redwood City, CA | 433 | $ 165,340,000 | $ 381,847 | $ 137,000 |
| Nassau-Suffolk, NY | 390 | $ 121,821,000 | $ 312,361 | $ 97,000 |
| Portland-Vancouver-Beaverton, OR-WA | 339 | $ 84,458,000 | $ 249,138 | $ 94,805 |
| Sacramento--Arden-Arcade--Roseville, CA | 240 | $ 51,090,000 | $ 212,875 | $ 91,000 |
| San Diego-Carlsbad-San Marcos, CA | 217 | $ 64,169,000 | $ 295,709 | $ 111,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 215 | $ 68,043,000 | $ 316,479 | $ 102,000 |
| Edison-New Brunswick, NJ | 206 | $ 52,344,000 | $ 254,097 | $ 83,000 |
| Newark-Union, NJ-PA | 184 | $ 49,319,000 | $ 268,038 | $ 73,972 |
| Phoenix-Mesa-Scottsdale, AZ | 177 | $ 31,593,000 | $ 178,491 | $ 83,000 |
| Atlanta-Sandy Springs-Marietta, GA | 173 | $ 34,870,000 | $ 201,560 | $ 65,000 |
| Philadelphia, PA | 167 | $ 31,266,000 | $ 187,221 | $ 65,000 |
| Richmond, VA | 139 | $ 24,679,000 | $ 177,546 | $ 57,000 |
| St. Louis, MO-IL | 139 | $ 23,544,000 | $ 169,381 | $ 68,100 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 114 | $ 29,643,000 | $ 260,026 | $ 72,859 |
| Chicago-Naperville-Joliet, IL | 109 | $ 21,780,000 | $ 199,816 | $ 74,000 |
| Hartford-West Hartford-East Hartford, CT | 102 | $ 20,655,000 | $ 202,500 | $ 64,000 |
| Fresno, CA | 91 | $ 19,082,000 | $ 209,692 | $ 86,000 |
| Honolulu, HI | 91 | $ 34,229,000 | $ 376,142 | $ 99,000 |
| Baltimore-Towson, MD | 87 | $ 19,261,000 | $ 221,390 | $ 71,000 |
| Santa Rosa-Petaluma, CA | 85 | $ 27,096,000 | $ 318,776 | $ 128,000 |
| Camden, NJ | 81 | $ 15,355,000 | $ 189,567 | $ 71,000 |
| Denver-Aurora-Broomfield, CO | 80 | $ 17,688,000 | $ 221,100 | $ 74,000 |
| Seattle-Bellevue-Everett, WA | 80 | $ 22,139,000 | $ 276,737 | $ 97,000 |
| Boston-Quincy, MA | 77 | $ 20,447,000 | $ 265,545 | $ 98,000 |
| Salinas, CA | 72 | $ 21,021,000 | $ 291,958 | $ 113,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 66 | $ 15,852,000 | $ 240,181 | $ 75,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 66 | $ 13,911,000 | $ 210,772 | $ 66,000 |
| New Haven-Milford, CT | 64 | $ 12,863,000 | $ 200,984 | $ 70,000 |
| Santa Cruz-Watsonville, CA | 57 | $ 18,313,000 | $ 321,280 | $ 104,000 |
| Bridgeport-Stamford-Norwalk, CT | 52 | $ 15,658,000 | $ 301,115 | $ 97,000 |
| Bethesda-Frederick-Rockville, MD | 48 | $ 12,763,000 | $ 265,895 | $ 89,000 |
| Boulder, CO | 47 | $ 12,448,000 | $ 264,851 | $ 103,000 |
| Stockton, CA | 47 | $ 9,812,000 | $ 208,765 | $ 98,000 |
| Vallejo-Fairfield, CA | 43 | $ 10,745,000 | $ 249,883 | $ 105,000 |
| Wilmington, DE-MD-NJ | 34 | $ 6,705,000 | $ 197,205 | $ 63,294 |
| Providence-New Bedford-Fall River, RI-MA | 33 | $ 8,277,000 | $ 250,818 | $ 89,272 |
| Allentown-Bethlehem-Easton, PA-NJ | 32 | $ 6,042,000 | $ 188,812 | $ 59,000 |
| Bakersfield, CA | 32 | $ 5,336,000 | $ 166,750 | $ 77,000 |
| Eugene-Springfield, OR | 32 | $ 6,892,000 | $ 215,375 | $ 83,000 |
| Greensboro-High Point, NC | 32 | $ 4,188,000 | $ 130,875 | $ 51,000 |
| Tacoma, WA | 32 | $ 7,968,000 | $ 249,000 | $ 80,000 |
| Birmingham-Hoover, AL | 29 | $ 5,824,000 | $ 200,827 | $ 88,000 |
| Charlotte-Gastonia-Concord, NC-SC | 29 | $ 4,528,000 | $ 156,137 | $ 65,034 |
| Tampa-St. Petersburg-Clearwater, FL | 28 | $ 3,942,000 | $ 140,785 | $ 48,000 |
| Atlantic City-Hammonton, NJ | 27 | $ 5,808,000 | $ 215,111 | $ 86,000 |
| Las Vegas-Paradise, NV | 26 | $ 4,622,000 | $ 177,769 | $ 63,000 |
| Redding, CA | 26 | $ 5,178,000 | $ 199,153 | $ 97,000 |
| Salem, OR | 26 | $ 5,062,000 | $ 194,692 | $ 102,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 26 | $ 7,863,000 | $ 302,423 | $ 96,000 |
| Houston-Sugar Land-Baytown, TX | 25 | $ 4,171,000 | $ 166,840 | $ 72,000 |
| Kansas City, MO-KS | 25 | $ 3,828,000 | $ 153,120 | $ 61,160 |
| Miami-Miami Beach-Kendall, FL | 25 | $ 4,870,000 | $ 194,800 | $ 78,000 |
| Rockingham County-Strafford County, NH | 25 | $ 6,565,000 | $ 262,600 | $ 111,000 |
| Cambridge-Newton-Framingham, MA | 24 | $ 8,236,000 | $ 343,166 | $ 149,000 |
| San Luis Obispo-Paso Robles, CA | 24 | $ 7,635,000 | $ 318,125 | $ 107,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 23 | $ 4,593,000 | $ 199,695 | $ 74,000 |
| Modesto, CA | 23 | $ 3,834,000 | $ 166,695 | $ 158,000 |
| Huntsville, AL | 22 | $ 3,421,000 | $ 155,500 | $ 75,000 |
| Trenton-Ewing, NJ | 22 | $ 4,599,000 | $ 209,045 | $ 56,000 |
| Indianapolis-Carmel, IN | 21 | $ 3,260,000 | $ 155,238 | $ 73,000 |
| Orlando-Kissimmee, FL | 21 | $ 3,552,000 | $ 169,142 | $ 45,000 |
| Asheville, NC | 20 | $ 4,136,000 | $ 206,800 | $ 71,000 |
| Colorado Springs, CO | 19 | $ 5,289,000 | $ 278,368 | $ 87,000 |
| Columbia, SC | 19 | $ 3,078,000 | $ 162,000 | $ 47,000 |
| Jacksonville, FL | 19 | $ 3,012,000 | $ 158,526 | $ 56,000 |
| Norwich-New London, CT | 19 | $ 3,748,000 | $ 197,263 | $ 59,000 |
| Raleigh-Cary, NC | 19 | $ 3,374,000 | $ 177,578 | $ 73,000 |
| Vineland-Millville-Bridgeton, NJ | 19 | $ 3,008,000 | $ 158,315 | $ 57,000 |
| Pittsburgh, PA | 18 | $ 2,122,000 | $ 117,888 | $ 43,000 |
| Barnstable Town, MA | 17 | $ 4,736,000 | $ 278,588 | $ 114,000 |
| Charleston-North Charleston-Summerville, SC | 17 | $ 3,330,000 | $ 195,882 | $ 60,000 |
| Kingston, NY | 17 | $ 3,363,000 | $ 197,823 | $ 59,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 17 | $ 2,936,000 | $ 172,705 | $ 54,000 |
| New Orleans-Metairie-Kenner, LA | 17 | $ 2,659,000 | $ 156,411 | $ 68,000 |
| Bend, OR | 16 | $ 4,620,000 | $ 288,750 | $ 105,000 |
| Madera-Chowchilla, CA | 16 | $ 2,363,000 | $ 147,687 | $ 94,000 |
| Tulsa, OK | 16 | $ 2,249,000 | $ 140,562 | $ 52,000 |
| Albuquerque, NM | 15 | $ 2,291,000 | $ 152,733 | $ 47,000 |
| Detroit-Livonia-Dearborn, MI | 15 | $ 1,597,000 | $ 106,466 | $ 63,000 |
| Fort Collins-Loveland, CO | 15 | $ 4,819,000 | $ 321,266 | $ 104,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 15 | $ 3,062,000 | $ 204,133 | $ 71,866 |
| Medford, OR | 14 | $ 3,289,000 | $ 234,928 | $ 130,000 |
| Tucson, AZ | 14 | $ 2,941,000 | $ 210,071 | $ 59,000 |
| Visalia-Porterville, CA | 14 | $ 1,841,000 | $ 131,500 | $ 72,000 |
| Baton Rouge, LA | 13 | $ 2,578,000 | $ 198,307 | $ 74,000 |
| Buffalo-Niagara Falls, NY | 13 | $ 1,469,000 | $ 113,000 | $ 51,000 |
| Cincinnati-Middletown, OH-KY-IN | 13 | $ 1,857,000 | $ 142,846 | $ 48,000 |
| Chico, CA | 12 | $ 2,719,000 | $ 226,583 | $ 92,000 |
| Cleveland-Elyria-Mentor, OH | 12 | $ 1,675,000 | $ 139,583 | $ 48,000 |
| Columbus, OH | 11 | $ 1,841,000 | $ 167,363 | $ 53,000 |
| Durham-Chapel Hill, NC | 11 | $ 1,752,000 | $ 159,272 | $ 54,000 |
| Gary, IN | 11 | $ 1,996,000 | $ 181,454 | $ 70,000 |
| Memphis, TN-MS-AR | 11 | $ 1,674,000 | $ 152,181 | $ 52,000 |
| Mobile, AL | 11 | $ 1,471,000 | $ 133,727 | $ 56,000 |
| Napa, CA | 11 | $ 2,990,000 | $ 271,818 | $ 95,000 |
| Oklahoma City, OK | 11 | $ 1,459,000 | $ 132,636 | $ 66,000 |
| Reading, PA | 11 | $ 1,503,000 | $ 136,636 | $ 51,000 |
| Savannah, GA | 11 | $ 1,587,000 | $ 144,272 | $ 56,000 |
| Scranton--Wilkes-Barre, PA | 11 | $ 1,292,000 | $ 117,454 | $ 60,000 |
| Appleton, WI | 10 | $ 1,482,000 | $ 148,200 | $ 70,000 |
| Chattanooga, TN-GA | 10 | $ 1,063,000 | $ 106,300 | $ 42,400 |
| Dallas-Plano-Irving, TX | 10 | $ 2,165,000 | $ 216,500 | $ 88,000 |
| Fort Smith, AR-OK | 10 | $ 1,279,000 | $ 127,900 | $ 57,500 |
| Dover, DE | 9 | $ 1,892,000 | $ 210,222 | $ 57,000 |
| Longview, WA | 9 | $ 1,539,000 | $ 171,000 | $ 73,000 |
| Ocala, FL | 9 | $ 1,082,000 | $ 120,222 | $ 39,000 |
| Peabody, MA | 9 | $ 2,653,000 | $ 294,777 | $ 87,000 |
| Worcester, MA | 9 | $ 2,063,000 | $ 229,222 | $ 103,000 |
| Albany, GA | 8 | $ 1,087,000 | $ 135,875 | $ 46,000 |
| Greenville-Mauldin-Easley, SC | 8 | $ 990,000 | $ 123,750 | $ 55,000 |
| Merced, CA | 8 | $ 912,000 | $ 114,000 | $ 72,000 |
| Ocean City, NJ | 8 | $ 1,953,000 | $ 244,125 | $ 77,000 |
| Springfield, MO | 8 | $ 1,141,000 | $ 142,625 | $ 42,000 |
| Utica-Rome, NY | 8 | $ 1,036,000 | $ 129,500 | $ 44,000 |
| Bremerton-Silverdale, WA | 7 | $ 2,129,000 | $ 304,142 | $ 103,000 |
| Charlottesville, VA | 7 | $ 1,149,000 | $ 164,142 | $ 45,000 |
| Columbus, GA-AL | 7 | $ 1,177,000 | $ 168,142 | $ 59,142 |
| Harrisburg-Carlisle, PA | 7 | $ 948,000 | $ 135,428 | $ 59,000 |
| Olympia, WA | 7 | $ 1,702,000 | $ 243,142 | $ 82,000 |
| Rochester, NY | 7 | $ 963,000 | $ 137,571 | $ 52,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 7 | $ 1,759,000 | $ 251,285 | $ 79,000 |
| Winston-Salem, NC | 7 | $ 1,013,000 | $ 144,714 | $ 55,000 |
| York-Hanover, PA | 7 | $ 1,309,000 | $ 187,000 | $ 51,000 |
| Anchorage, AK | 6 | $ 1,052,000 | $ 175,333 | $ 70,000 |
| Anniston-Oxford, AL | 6 | $ 950,000 | $ 158,333 | $ 70,000 |
| Augusta-Richmond County, GA-SC | 6 | $ 959,000 | $ 159,833 | $ 51,333 |
| Austin-Round Rock, TX | 6 | $ 1,282,000 | $ 213,666 | $ 81,000 |
| Bellingham, WA | 6 | $ 1,446,000 | $ 241,000 | $ 65,000 |
| Cape Coral-Fort Myers, FL | 6 | $ 941,000 | $ 156,833 | $ 61,000 |
| Clarksville, TN-KY | 6 | $ 898,000 | $ 149,666 | $ 57,833 |
| Deltona-Daytona Beach-Ormond Beach, FL | 6 | $ 861,000 | $ 143,500 | $ 34,000 |
| Des Moines-West Des Moines, IA | 6 | $ 782,000 | $ 130,333 | $ 47,000 |
| Duluth, MN-WI | 6 | $ 968,000 | $ 161,333 | $ 58,000 |
| Greeley, CO | 6 | $ 1,646,000 | $ 274,333 | $ 81,000 |
| Hickory-Lenoir-Morganton, NC | 6 | $ 885,000 | $ 147,500 | $ 46,000 |
| Knoxville, TN | 6 | $ 1,112,000 | $ 185,333 | $ 74,000 |
| Lakeland-Winter Haven, FL | 6 | $ 768,000 | $ 128,000 | $ 50,000 |
| Lancaster, PA | 6 | $ 1,128,000 | $ 188,000 | $ 80,000 |
| Montgomery, AL | 6 | $ 1,300,000 | $ 216,666 | $ 94,000 |
| Myrtle Beach-North Myrtle Beach-Conway, SC | 6 | $ 1,739,000 | $ 289,833 | $ 87,000 |
| Palm Bay-Melbourne-Titusville, FL | 6 | $ 845,000 | $ 140,833 | $ 57,000 |
| Spokane, WA | 6 | $ 1,044,000 | $ 174,000 | $ 78,000 |
| Youngstown-Warren-Boardman, OH-PA | 6 | $ 813,000 | $ 135,500 | $ 50,666 |
| Akron, OH | 5 | $ 726,000 | $ 145,200 | $ 76,000 |
| El Centro, CA | 5 | $ 716,000 | $ 143,200 | $ 49,000 |
| Flagstaff, AZ | 5 | $ 1,091,000 | $ 218,200 | $ 54,000 |
| Florence, SC | 5 | $ 664,000 | $ 132,800 | $ 54,000 |
| Johnson City, TN | 5 | $ 587,000 | $ 117,400 | $ 37,000 |
| Lake County-Kenosha County, IL-WI | 5 | $ 1,176,000 | $ 235,200 | $ 69,000 |
| Lawton, OK | 5 | $ 685,000 | $ 137,000 | $ 57,000 |
| Louisville-Jefferson County, KY-IN | 5 | $ 652,000 | $ 130,400 | $ 52,000 |
| Macon, GA | 5 | $ 634,000 | $ 126,800 | $ 50,000 |
| Milwaukee-Waukesha-West Allis, WI | 5 | $ 800,000 | $ 160,000 | $ 54,000 |
| Mount Vernon-Anacortes, WA | 5 | $ 1,052,000 | $ 210,400 | $ 90,000 |
| Portland-South Portland-Biddeford, ME | 5 | $ 1,347,000 | $ 269,400 | $ 81,000 |
| Valdosta, GA | 5 | $ 600,000 | $ 120,000 | $ 49,000 |
| Wichita, KS | 5 | $ 733,000 | $ 146,600 | $ 60,000 |
| Yuba City, CA | 5 | $ 877,000 | $ 175,400 | $ 79,000 |
| Albany-Schenectady-Troy, NY | 4 | $ 688,000 | $ 172,000 | $ 73,000 |
| Blacksburg-Christiansburg-Radford, VA | 4 | $ 534,000 | $ 133,500 | $ 43,000 |
| Bradenton-Sarasota-Venice, FL | 4 | $ 561,000 | $ 140,250 | $ 51,000 |
| Burlington, NC | 4 | $ 534,000 | $ 133,500 | $ 49,000 |
| Burlington-South Burlington, VT | 4 | $ 708,000 | $ 177,000 | $ 45,000 |
| Evansville, IN-KY | 4 | $ 423,000 | $ 105,750 | $ 47,000 |
| Fayetteville, NC | 4 | $ 568,000 | $ 142,000 | $ 65,000 |
| Greenville, NC | 4 | $ 477,000 | $ 119,250 | $ 64,000 |
| Kalamazoo-Portage, MI | 4 | $ 581,000 | $ 145,250 | $ 43,000 |
| Lake Havasu City-Kingman, AZ | 4 | $ 622,000 | $ 155,500 | $ 86,000 |
| Little Rock-North Little Rock-Conway, AR | 4 | $ 700,000 | $ 175,000 | $ 72,000 |
| Lynchburg, VA | 4 | $ 628,000 | $ 157,000 | $ 58,000 |
| Manchester-Nashua, NH | 4 | $ 822,000 | $ 205,500 | $ 80,000 |
| Oshkosh-Neenah, WI | 4 | $ 589,000 | $ 147,250 | $ 46,000 |
| Pittsfield, MA | 4 | $ 562,000 | $ 140,500 | $ 56,000 |
| Port St. Lucie, FL | 4 | $ 794,000 | $ 198,500 | $ 78,000 |
| Reno-Sparks, NV | 4 | $ 1,100,000 | $ 275,000 | $ 76,000 |
| Rocky Mount, NC | 4 | $ 634,000 | $ 158,500 | $ 34,000 |
| Sebastian-Vero Beach, FL | 4 | $ 551,000 | $ 137,750 | $ 34,000 |
| Toledo, OH | 4 | $ 461,000 | $ 115,250 | $ 32,000 |
| Wenatchee-East Wenatchee, WA | 4 | $ 974,000 | $ 243,500 | $ 57,000 |
| Wilmington, NC | 4 | $ 673,000 | $ 168,250 | $ 75,000 |
| Yakima, WA | 4 | $ 687,000 | $ 171,750 | $ 61,000 |
| Altoona, PA | 3 | $ 451,000 | $ 150,333 | $ 58,000 |
| Athens-Clarke County, GA | 3 | $ 456,000 | $ 152,000 | $ 43,000 |
| Auburn-Opelika, AL | 3 | $ 438,000 | $ 146,000 | $ 72,000 |
| Canton-Massillon, OH | 3 | $ 258,000 | $ 86,000 | $ 38,000 |
| Cape Girardeau-Jackson, MO-IL | 3 | $ 288,000 | $ 96,000 | $ 45,333 |
| Danville, IL | 3 | $ 353,000 | $ 117,666 | $ 30,000 |
| Decatur, AL | 3 | $ 326,000 | $ 108,666 | $ 59,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 3 | $ 382,000 | $ 127,333 | $ 33,000 |
| Fort Worth-Arlington, TX | 3 | $ 581,000 | $ 193,666 | $ 122,000 |
| Gainesville, GA | 3 | $ 551,000 | $ 183,666 | $ 76,000 |
| Grand Junction, CO | 3 | $ 656,000 | $ 218,666 | $ 77,000 |
| Green Bay, WI | 3 | $ 502,000 | $ 167,333 | $ 62,000 |
| Hagerstown-Martinsburg, MD-WV | 3 | $ 454,000 | $ 151,333 | $ 47,000 |
| Hinesville-Fort Stewart, GA | 3 | $ 317,000 | $ 105,666 | $ 48,000 |
| Idaho Falls, ID | 3 | $ 585,000 | $ 195,000 | $ 72,000 |
| Jefferson City, MO | 3 | $ 410,000 | $ 136,666 | $ 53,000 |
| Kingsport-Bristol-Bristol, TN-VA | 3 | $ 483,000 | $ 161,000 | $ 76,000 |
| Lansing-East Lansing, MI | 3 | $ 401,000 | $ 133,666 | $ 40,000 |
| Michigan City-La Porte, IN | 3 | $ 258,000 | $ 86,000 | $ 36,000 |
| Omaha-Council Bluffs, NE-IA | 3 | $ 342,000 | $ 114,000 | $ 40,666 |
| Parkersburg-Marietta-Vienna, WV-OH | 3 | $ 252,000 | $ 84,000 | $ 36,000 |
| Peoria, IL | 3 | $ 316,000 | $ 105,333 | $ 30,000 |
| Pine Bluff, AR | 3 | $ 396,000 | $ 132,000 | $ 50,000 |
| Prescott, AZ | 3 | $ 618,000 | $ 206,000 | $ 216,000 |
| Roanoke, VA | 3 | $ 382,000 | $ 127,333 | $ 19,000 |
| San Antonio, TX | 3 | $ 407,000 | $ 135,666 | $ 70,000 |
| Shreveport-Bossier City, LA | 3 | $ 331,000 | $ 110,333 | $ 60,000 |
| Spartanburg, SC | 3 | $ 359,000 | $ 119,666 | $ 54,000 |
| Springfield, MA | 3 | $ 514,000 | $ 171,333 | $ 71,000 |
| St. Cloud, MN | 3 | $ 491,000 | $ 163,666 | $ 67,000 |
| Sumter, SC | 3 | $ 302,000 | $ 100,666 | $ 28,000 |
| Syracuse, NY | 3 | $ 274,000 | $ 91,333 | $ 42,000 |
| Terre Haute, IN | 3 | $ 399,000 | $ 133,000 | $ 33,000 |
| Topeka, KS | 3 | $ 498,000 | $ 166,000 | $ 49,000 |
| Warner Robins, GA | 3 | $ 358,000 | $ 119,333 | $ 37,000 |
| Weirton-Steubenville, WV-OH | 3 | $ 367,000 | $ 122,333 | $ 46,000 |
| Williamsport, PA | 3 | $ 571,000 | $ 190,333 | $ 69,000 |
| Anderson, SC | 2 | $ 155,000 | $ 77,500 | $ 33,000 |
| Battle Creek, MI | 2 | $ 205,000 | $ 102,500 | $ 47,000 |
| Beaumont-Port Arthur, TX | 2 | $ 268,000 | $ 134,000 | $ 88,000 |
| Binghamton, NY | 2 | $ 210,000 | $ 105,000 | $ 53,000 |
| Bloomington, IN | 2 | $ 349,000 | $ 174,500 | $ 57,000 |
| Boise City-Nampa, ID | 2 | $ 334,000 | $ 167,000 | $ 46,000 |
| Brunswick, GA | 2 | $ 326,000 | $ 163,000 | $ 83,000 |
| Charleston, WV | 2 | $ 354,000 | $ 177,000 | $ 93,000 |
| Corvallis, OR | 2 | $ 551,000 | $ 275,500 | $ 72,000 |
| Cumberland, MD-WV | 2 | $ 197,000 | $ 98,500 | $ 26,000 |
| Dayton, OH | 2 | $ 281,000 | $ 140,500 | $ 48,000 |
| Dubuque, IA | 2 | $ 407,000 | $ 203,500 | $ 49,000 |
| Farmington, NM | 2 | $ 315,000 | $ 157,500 | $ 60,000 |
| Flint, MI | 2 | $ 112,000 | $ 56,000 | $ 30,000 |
| Florence-Muscle Shoals, AL | 2 | $ 219,000 | $ 109,500 | $ 41,000 |
| Fond Du Lac, WI | 2 | $ 210,000 | $ 105,000 | $ 61,000 |
| Fort Wayne, IN | 2 | $ 161,000 | $ 80,500 | $ 40,000 |
| Gainesville, FL | 2 | $ 246,000 | $ 123,000 | $ 25,000 |
| Hanford-Corcoran, CA | 2 | $ 490,000 | $ 245,000 | $ 62,000 |
| Harrisonburg, VA | 2 | $ 423,000 | $ 211,500 | $ 94,000 |
| Houma-Bayou Cane-Thibodaux, LA | 2 | $ 331,000 | $ 165,500 | $ 97,000 |
| Joplin, MO | 2 | $ 224,000 | $ 112,000 | $ 56,000 |
| Lafayette, IN | 2 | $ 327,000 | $ 163,500 | $ 35,000 |
| Lafayette, LA | 2 | $ 257,000 | $ 128,500 | $ 69,000 |
| Lake Charles, LA | 2 | $ 279,000 | $ 139,500 | $ 85,000 |
| Lebanon, PA | 2 | $ 217,000 | $ 108,500 | $ 37,000 |
| Lexington-Fayette, KY | 2 | $ 229,000 | $ 114,500 | $ 73,000 |
| Lincoln, NE | 2 | $ 442,000 | $ 221,000 | $ 97,000 |
| Manhattan, KS | 2 | $ 210,000 | $ 105,000 | $ 39,000 |
| McAllen-Edinburg-Mission, TX | 2 | $ 284,000 | $ 142,000 | $ 56,000 |
| Morristown, TN | 2 | $ 512,000 | $ 256,000 | $ 49,000 |
| Muskegon-Norton Shores, MI | 2 | $ 256,000 | $ 128,000 | $ 45,000 |
| Pensacola-Ferry Pass-Brent, FL | 2 | $ 377,000 | $ 188,500 | $ 88,000 |
| Pueblo, CO | 2 | $ 245,000 | $ 122,500 | $ 34,000 |
| Punta Gorda, FL | 2 | $ 258,000 | $ 129,000 | $ 46,000 |
| Racine, WI | 2 | $ 282,000 | $ 141,000 | $ 62,000 |
| Rochester, MN | 2 | $ 307,000 | $ 153,500 | $ 72,000 |
| Rome, GA | 2 | $ 269,000 | $ 134,500 | $ 43,000 |
| Saginaw-Saginaw Township North, MI | 2 | $ 179,000 | $ 89,500 | $ 33,000 |
| Salisbury, MD | 2 | $ 314,000 | $ 157,000 | $ 45,000 |
| Sandusky, OH | 2 | $ 223,000 | $ 111,500 | $ 46,000 |
| South Bend-Mishawaka, IN-MI | 2 | $ 156,000 | $ 78,000 | $ 40,000 |
| State College, PA | 2 | $ 202,000 | $ 101,000 | $ 53,000 |
| Warren-Troy-Farmington Hills, MI | 2 | $ 193,000 | $ 96,500 | $ 44,000 |
| Yuma, AZ | 2 | $ 270,000 | $ 135,000 | $ 58,000 |
| Alexandria, LA | 1 | $ 212,000 | $ 212,000 | $ 36,000 |
| Anderson, IN | 1 | $ 111,000 | $ 111,000 | $ 45,000 |
| Ann Arbor, MI | 1 | $ 137,000 | $ 137,000 | $ 52,000 |
| Bangor, ME | 1 | $ 144,000 | $ 144,000 | $ 85,000 |
| Bay City, MI | 1 | $ 89,000 | $ 89,000 | $ 34,000 |
| Bloomington-Normal, IL | 1 | $ 145,000 | $ 145,000 | $ 76,000 |
| Bowling Green, KY | 1 | $ 97,000 | $ 97,000 | $ 79,000 |
| Carson City, NV | 1 | $ 300,000 | $ 300,000 | $ 131,000 |
| Casper, WY | 1 | $ 227,000 | $ 227,000 | $ 70,000 |
| Cedar Rapids, IA | 1 | $ 97,000 | $ 97,000 | $ 38,000 |
| Champaign-Urbana, IL | 1 | $ 157,000 | $ 157,000 | $ 0 |
| Columbus, IN | 1 | $ 157,000 | $ 157,000 | $ 59,000 |
| Dalton, GA | 1 | $ 96,000 | $ 96,000 | $ 38,000 |
| Davenport-Moline-Rock Island, IA-IL | 1 | $ 132,000 | $ 132,000 | $ 60,000 |
| Decatur, IL | 1 | $ 134,000 | $ 134,000 | $ 116,000 |
| Dothan, AL | 1 | $ 131,000 | $ 131,000 | $ 51,000 |
| El Paso, TX | 1 | $ 182,000 | $ 182,000 | $ 47,000 |
| Elizabethtown, KY | 1 | $ 276,000 | $ 276,000 | $ 72,000 |
| Elkhart-Goshen, IN | 1 | $ 91,000 | $ 91,000 | $ 58,000 |
| Elmira, NY | 1 | $ 74,000 | $ 74,000 | $ 29,000 |
| Erie, PA | 1 | $ 135,000 | $ 135,000 | $ 42,000 |
| Fargo, ND-MN | 1 | $ 178,000 | $ 178,000 | $ 60,000 |
| Fort Walton Beach-Crestview-Destin, FL | 1 | $ 87,000 | $ 87,000 | $ 47,000 |
| Gadsden, AL | 1 | $ 125,000 | $ 125,000 | $ 58,000 |
| Goldsboro, NC | 1 | $ 71,000 | $ 71,000 | $ 24,000 |
| Grand Forks, ND-MN | 1 | $ 209,000 | $ 209,000 | $ 121,000 |
| Grand Rapids-Wyoming, MI | 1 | $ 133,000 | $ 133,000 | $ 0 |
| Holland-Grand Haven, MI | 1 | $ 110,000 | $ 110,000 | $ 0 |
| Hot Springs, AR | 1 | $ 128,000 | $ 128,000 | $ 45,000 |
| Huntington-Ashland, WV-KY-OH | 1 | $ 112,000 | $ 112,000 | $ 24,000 |
| Jackson, TN | 1 | $ 103,000 | $ 103,000 | $ 26,000 |
| Johnstown, PA | 1 | $ 87,000 | $ 87,000 | $ 34,000 |
| Jonesboro, AR | 1 | $ 171,000 | $ 171,000 | $ 55,000 |
| Kennewick-Pasco-Richland, WA | 1 | $ 135,000 | $ 135,000 | $ 39,000 |
| Killeen-Temple-Fort Hood, TX | 1 | $ 116,000 | $ 116,000 | $ 56,000 |
| Las Cruces, NM | 1 | $ 357,000 | $ 357,000 | $ 86,000 |
| Lewiston-Auburn, ME | 1 | $ 101,000 | $ 101,000 | $ 57,000 |
| Lima, OH | 1 | $ 80,000 | $ 80,000 | $ 26,000 |
| Madison, WI | 1 | $ 126,000 | $ 126,000 | $ 27,000 |
| Monroe, MI | 1 | $ 140,000 | $ 140,000 | $ 67,000 |
| Morgantown, WV | 1 | $ 116,000 | $ 116,000 | $ 33,000 |
| Ogden-Clearfield, UT | 1 | $ 342,000 | $ 342,000 | $ 116,000 |
| Owensboro, KY | 1 | $ 94,000 | $ 94,000 | $ 48,000 |
| Palm Coast, FL | 1 | $ 80,000 | $ 80,000 | $ 25,000 |
| Pocatello, ID | 1 | $ 70,000 | $ 70,000 | $ 19,000 |
| Provo-Orem, UT | 1 | $ 236,000 | $ 236,000 | $ 93,000 |
| Salt Lake City, UT | 1 | $ 220,000 | $ 220,000 | $ 68,000 |
| Santa Fe, NM | 1 | $ 254,000 | $ 254,000 | $ 58,000 |
| Sheboygan, WI | 1 | $ 100,000 | $ 100,000 | $ 35,000 |
| Springfield, OH | 1 | $ 131,000 | $ 131,000 | $ 69,000 |
| Tallahassee, FL | 1 | $ 238,000 | $ 238,000 | $ 80,000 |
| Texarkana, Tx-Texarkana, AR | 1 | $ 145,000 | $ 145,000 | $ 72,000 |
| Tuscaloosa, AL | 1 | $ 211,000 | $ 211,000 | $ 13,000 |
| Waterloo-Cedar Falls, IA | 1 | $ 105,000 | $ 105,000 | $ 38,000 |
| Wheeling, WV-OH | 1 | $ 79,000 | $ 79,000 | $ 33,000 |
| Winchester, VA-WV | 1 | $ 196,000 | $ 196,000 | $ 69,000 |
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.
For a list of all lenders in California, download the full spreadsheet
with aggregated HMDA statistics today.
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