Gateway Business Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2004
Gateway Business Bank 2004 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Gateway Business Bank 18000 Studebaker Road, Suite 550 Cerritos, CA 90703 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 7,314 |
| Total Mortgage Loan Application Amount | $1,345,625,000 |
| Average Mortgage Loan Application Amount | $175,833 |
| Highest Mortgage Loan Application Amount | $3,000,000 |
| Average Applicant Income | $61,666 |
| Highest Applicant Income | $1,600,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2004 with Gateway Business Bank. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Gateway Business Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2004 breaks down Gateway Business Bank's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Gateway Business Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by Gateway Business Bank, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Gateway Business Bank's mortgage activity for 2004.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Riverside County California | 820 | $ 175,663,000 | $ 214,000 | $ 73,000 |
| San Bernardino County California | 462 | $ 94,353,000 | $ 204,000 | $ 68,000 |
| Butte County California | 445 | $ 76,715,000 | $ 172,000 | $ 55,000 |
| Orange County California | 423 | $ 121,066,000 | $ 286,000 | $ 82,000 |
| Sonoma County California | 349 | $ 106,891,000 | $ 306,000 | $ 99,000 |
| Tulare County California | 328 | $ 43,659,000 | $ 133,000 | $ 54,000 |
| Fresno County California | 311 | $ 43,652,000 | $ 140,000 | $ 50,000 |
| Los Angeles County California | 304 | $ 69,543,000 | $ 228,000 | $ 81,000 |
| San Luis Obispo County California | 145 | $ 35,447,000 | $ 244,000 | $ 104,000 |
| Shasta County California | 135 | $ 20,823,000 | $ 154,000 | $ 64,000 |
| Glenn County California | 108 | $ 14,494,000 | $ 134,000 | $ 44,000 |
| Monterey County California | 108 | $ 30,581,000 | $ 283,000 | $ 100,000 |
| Kern County California | 85 | $ 10,507,000 | $ 123,000 | $ 55,000 |
| San Joaquin County California | 81 | $ 14,354,000 | $ 177,000 | $ 57,000 |
| Kings County California | 69 | $ 8,847,000 | $ 128,000 | $ 53,000 |
| Sacramento County California | 62 | $ 12,244,000 | $ 197,000 | $ 75,000 |
| San Diego County California | 58 | $ 13,076,000 | $ 225,000 | $ 154,000 |
| Sutter County California | 55 | $ 7,999,000 | $ 145,000 | $ 58,000 |
| Placer County California | 36 | $ 8,857,000 | $ 246,000 | $ 77,000 |
| Tehama County California | 35 | $ 4,561,000 | $ 130,000 | $ 57,000 |
| Madera County California | 34 | $ 4,672,000 | $ 137,000 | $ 59,000 |
| Stanislaus County California | 30 | $ 4,807,000 | $ 160,000 | $ 61,000 |
| Lake County California | 29 | $ 5,728,000 | $ 197,000 | $ 75,000 |
| Contra Costa County California | 28 | $ 6,650,000 | $ 237,000 | $ 104,000 |
| Yuba County California | 28 | $ 3,318,000 | $ 118,000 | $ 48,000 |
| Lassen County California | 26 | $ 3,142,000 | $ 120,000 | $ 52,000 |
| Del Norte County California | 25 | $ 3,276,000 | $ 131,000 | $ 51,000 |
| Ventura County California | 25 | $ 6,644,000 | $ 265,000 | $ 87,000 |
| Solano County California | 23 | $ 4,978,000 | $ 216,000 | $ 78,000 |
| Santa Clara County California | 22 | $ 9,571,000 | $ 435,000 | $ 78,000 |
| Santa Barbara County California | 20 | $ 3,926,000 | $ 196,000 | $ 97,000 |
| Alameda County California | 17 | $ 3,913,000 | $ 230,000 | $ 78,000 |
| Plumas County California | 14 | $ 2,808,000 | $ 200,000 | $ 85,000 |
| Santa Cruz County California | 14 | $ 4,185,000 | $ 298,000 | $ 66,000 |
| Marin County California | 13 | $ 4,431,000 | $ 340,000 | $ 54,000 |
| Merced County California | 13 | $ 2,084,000 | $ 160,000 | $ 57,000 |
| Nevada County California | 11 | $ 2,376,000 | $ 216,000 | $ 97,000 |
| El Dorado County California | 10 | $ 1,984,000 | $ 198,000 | $ 74,000 |
| Mendocino County California | 10 | $ 1,587,000 | $ 158,000 | $ 74,000 |
| San Francisco County California | 8 | $ 3,271,000 | $ 408,000 | $ 88,000 |
| Humboldt County California | 7 | $ 1,289,000 | $ 184,000 | $ 49,000 |
| Calaveras County California | 6 | $ 1,227,000 | $ 204,000 | $ 65,000 |
| Imperial County California | 6 | $ 620,000 | $ 103,000 | $ 35,000 |
| Napa County California | 6 | $ 1,904,000 | $ 317,000 | $ 77,000 |
| Colusa County California | 5 | $ 810,000 | $ 162,000 | $ 59,000 |
| Modoc County California | 5 | $ 589,000 | $ 117,000 | $ 38,000 |
| San Mateo County California | 5 | $ 1,698,000 | $ 339,000 | $ 105,000 |
| Tuolumne County California | 5 | $ 1,012,000 | $ 202,000 | $ 83,000 |
| San Benito County California | 4 | $ 1,431,000 | $ 357,000 | $ 114,000 |
| Siskiyou County California | 4 | $ 487,000 | $ 121,000 | $ 39,000 |
| Yolo County California | 3 | $ 506,000 | $ 168,000 | $ 72,000 |
| Amador County California | 1 | $ 180,000 | $ 180,000 | $ 52,000 |
| Mariposa County California | 1 | $ 310,000 | $ 310,000 | $ 60,000 |
| Sierra County California | 1 | $ 174,000 | $ 174,000 | $ 86,000 |
Mortgage Loan Application Detail Totals for Gateway Business Bank in 2004
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Refinancing | 4,146 | $729,645,000 | $167,000 | $3,000,000 | $61,500 | $1,547,000 |
| Home Purchase | 3,121 | $606,302,000 | $178,000 | $1,500,000 | $73,000 | $1,600,000 |
| Home Improvement | 47 | $9,678,000 | $182,500 | $500,000 | $50,500 | $182,000 |
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 | 3,518 | $682,377,000 | $180,000 | $1,500,000 | $61,500 | $1,600,000 |
| Not Provided | 2,224 | $376,372,000 | $169,500 | $3,000,000 | $64,000 | $1,200,000 |
| Hispanic | 1,053 | $184,390,000 | $146,500 | $747,000 | $50,000 | $338,000 |
| Asian | 186 | $39,624,000 | $168,500 | $590,000 | $85,500 | $369,000 |
| Black or African American | 146 | $29,110,000 | $168,500 | $650,000 | $90,500 | $343,000 |
| Not applicable | 97 | $18,798,000 | $180,000 | $559,000 | $58,000 | $628,000 |
| American Indian or Alaskan Native | 59 | $9,061,000 | $147,000 | $412,000 | $76,500 | $416,000 |
| Native Hawaiian or Other Pacific Islander | 31 | $5,893,000 | $200,500 | $400,000 | $89,500 | $348,000 |
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) | 7,034 | $1,306,088,000 | $173,000 | $3,000,000 | $75,500 | $1,600,000 |
| FHA-insured (Federal Housing Administration) | 214 | $29,418,000 | $133,000 | $266,000 | $38,000 | $283,000 |
| VA-guaranteed (Veterans Administration) | 65 | $9,999,000 | $158,500 | $241,000 | $52,000 | $117,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $120,000 | $120,000 | $120,000 | $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 Originated | 4,767 | $917,309,000 | $178,000 | $1,500,000 | $66,000 | $1,600,000 |
| Application Withdrawn By Applicant | 2,371 | $402,382,000 | $162,500 | $3,000,000 | $72,000 | $1,200,000 |
| Application Denied By Financial Institution | 176 | $25,934,000 | $140,000 | $975,000 | $61,000 | $369,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 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 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Gateway Business Bank's 2004 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Gateway Business Bank'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.