Gateway Business Bank Mortgage Lending & HMDA Data, 2006

In 2006, Gateway Business Bank of Cerritos, CA reported 5,566 mortgage applications totaling $1.3 billion, down 43% from 2005. The average application was for $229,676, and applicants reported an average income of $85,438. 60% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Riverside-San Bernardino-Ontario, CA (986), Chico, CA (422) and Santa Rosa-Petaluma, CA (401) (applications in parentheses).

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 5,566
Total Mortgage Loan Application Amount $1,278,378,000
Average Mortgage Loan Application Amount $229,676
Highest Mortgage Loan Application Amount $4,400,000
Average Applicant Income $85,438
Highest Applicant Income $1,500,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Gateway Business Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 Business Bank by County in 2006

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Riverside, California 670 $ 170,149,000 $ 253,953 $ 94,000
Butte, California 422 $ 82,779,000 $ 196,158 $ 79,000
Sonoma, California 401 $ 143,973,000 $ 359,034 $ 105,000
San Bernardino, California 316 $ 75,956,000 $ 240,367 $ 103,000
Tulare, California 225 $ 41,563,000 $ 184,724 $ 70,000
Josephine, Oregon 214 $ 47,359,000 $ 221,303 $ 68,000
Orange, California 194 $ 66,808,000 $ 344,371 $ 132,000
Fresno, California 190 $ 37,236,000 $ 195,978 $ 68,000
Klamath, Oregon 152 $ 20,087,000 $ 132,151 $ 60,000
San Joaquin, California 137 $ 38,185,000 $ 278,722 $ 95,000
Maricopa, Arizona 128 $ 27,696,000 $ 216,375 $ 93,000
Los Angeles, California 122 $ 38,654,000 $ 316,836 $ 109,000
Jackson, Oregon 110 $ 22,061,000 $ 200,554 $ 66,000
Linn, Oregon 110 $ 15,788,000 $ 143,527 $ 62,000
Glenn, California 95 $ 15,035,000 $ 158,263 $ 59,000
Marion, Oregon 85 $ 13,315,000 $ 156,647 $ 67,000
San Luis Obispo, California 77 $ 28,285,000 $ 367,337 $ 125,000
Shasta, California 71 $ 14,322,000 $ 201,718 $ 74,000
Sutter, California 70 $ 14,968,000 $ 213,828 $ 109,000
Stanislaus, California 60 $ 15,768,000 $ 262,800 $ 96,000
Tehama, California 57 $ 10,254,000 $ 179,894 $ 63,000
Madera, California 34 $ 7,372,000 $ 216,823 $ 77,000
San Diego, California 34 $ 15,502,000 $ 455,941 $ 134,000
Yamhill, Oregon 34 $ 4,948,000 $ 145,529 $ 63,000
Mohave, Arizona 31 $ 4,385,000 $ 141,451 $ 67,000
Kings, California 31 $ 5,810,000 $ 187,419 $ 64,000
Sacramento, California 29 $ 7,044,000 $ 242,896 $ 81,000
Kern, California 28 $ 8,515,000 $ 304,107 $ 67,000
Yuba, California 25 $ 4,450,000 $ 178,000 $ 70,000
Clark, Nevada 25 $ 5,323,000 $ 212,920 $ 113,000
Polk, Oregon 25 $ 4,025,000 $ 161,000 $ 74,000
Gila, Arizona 24 $ 3,854,000 $ 160,583 $ 92,000
Napa, California 24 $ 9,260,000 $ 385,833 $ 83,000
Monterey, California 22 $ 12,642,000 $ 574,636 $ 133,000
Solano, California 22 $ 10,497,000 $ 477,136 $ 98,000
Benton, Oregon 22 $ 2,986,000 $ 135,727 $ 62,000
Douglas, Oregon 21 $ 2,631,000 $ 125,285 $ 89,000
Miami-Dade, Florida 18 $ 3,255,000 $ 180,833 $ 50,000
Salt Lake, Utah 17 $ 2,918,000 $ 171,647 $ 52,000
Lake, California 16 $ 3,294,000 $ 205,875 $ 157,000
Lane, Oregon 16 $ 2,947,000 $ 184,187 $ 81,000
Contra Costa, California 15 $ 4,408,000 $ 293,866 $ 96,000
Marin, California 15 $ 5,824,000 $ 388,266 $ 110,000
Deschutes, Oregon 15 $ 3,560,000 $ 237,333 $ 137,000
Pierce, Washington 15 $ 2,311,000 $ 154,066 $ 84,000
Lassen, California 14 $ 2,104,000 $ 150,285 $ 64,000
Santa Cruz, California 14 $ 6,431,000 $ 459,357 $ 111,000
Hillsborough, Florida 14 $ 1,951,000 $ 139,357 $ 51,000
King, Washington 13 $ 2,393,000 $ 184,076 $ 53,000
Alameda, California 12 $ 4,403,000 $ 366,916 $ 112,000
Mendocino, California 12 $ 5,354,000 $ 446,166 $ 101,000
Pima, Arizona 11 $ 2,162,000 $ 196,545 $ 73,000
Broward, Florida 11 $ 2,511,000 $ 228,272 $ 80,000
Mecklenburg, North Carolina 11 $ 1,583,000 $ 143,909 $ 120,000
Multnomah, Oregon 11 $ 2,163,000 $ 196,636 $ 65,000
Clark, Washington 11 $ 2,479,000 $ 225,363 $ 72,000
Spokane, Washington 11 $ 1,826,000 $ 166,000 $ 72,000
Placer, California 10 $ 2,743,000 $ 274,300 $ 95,000
Bernalillo, New Mexico 10 $ 1,221,000 $ 122,100 $ 170,000
Snohomish, Washington 10 $ 2,444,000 $ 244,400 $ 73,000
Del Norte, California 9 $ 1,271,000 $ 141,222 $ 70,000
Merced, California 9 $ 1,789,000 $ 198,777 $ 33,000
Siskiyou, California 9 $ 756,000 $ 84,000 $ 45,000
Pinal, Arizona 8 $ 935,000 $ 116,875 $ 152,000
Ventura, California 8 $ 3,195,000 $ 399,375 $ 94,000
Ada, Idaho 8 $ 1,243,000 $ 155,375 $ 67,000
Middlesex, Massachusetts 8 $ 2,193,000 $ 274,125 $ 92,000
Philadelphia, Pennsylvania 8 $ 1,043,000 $ 130,375 $ 53,000
San Mateo, California 7 $ 2,853,000 $ 407,571 $ 137,000
Pinellas, Florida 7 $ 1,408,000 $ 201,142 $ 62,000
Gwinnett, Georgia 7 $ 991,000 $ 141,571 $ 64,000
Lyon, Nevada 7 $ 1,949,000 $ 278,428 $ 126,000
Washoe, Nevada 7 $ 1,766,000 $ 252,285 $ 84,000
Essex, New Jersey 7 $ 2,383,000 $ 340,428 $ 94,000
Clackamas, Oregon 7 $ 1,460,000 $ 208,571 $ 47,000
Washington, Oregon 7 $ 795,000 $ 113,571 $ 88,000
Hartford, Connecticut 6 $ 868,000 $ 144,666 $ 51,000
Duval, Florida 6 $ 1,285,000 $ 214,166 $ 80,000
Orange, Florida 6 $ 1,077,000 $ 179,500 $ 46,000
Sarasota, Florida 6 $ 1,033,000 $ 172,166 $ 48,000
Cobb, Georgia 6 $ 1,063,000 $ 177,166 $ 54,000
Canyon, Idaho 6 $ 699,000 $ 116,500 $ 30,000
Kootenai, Idaho 6 $ 1,335,000 $ 222,500 $ 69,000
Jackson, Missouri 6 $ 759,000 $ 126,500 $ 63,000
Atlantic, New Jersey 6 $ 954,000 $ 159,000 $ 94,000
Kings, New York 6 $ 1,810,000 $ 301,666 $ 44,000
Allegheny, Pennsylvania 6 $ 676,000 $ 112,666 $ 66,000
Montgomery, Pennsylvania 6 $ 866,000 $ 144,333 $ 61,000
Utah, Utah 6 $ 987,000 $ 164,500 $ 49,000
Fairfax, Virginia 6 $ 1,352,000 $ 225,333 $ 125,000
Kitsap, Washington 6 $ 1,195,000 $ 199,166 $ 124,000
Humboldt, California 5 $ 809,000 $ 161,800 $ 61,000
Santa Clara, California 5 $ 2,220,000 $ 444,000 $ 85,000
Trinity, California 5 $ 1,130,000 $ 226,000 $ 176,000
Tuolumne, California 5 $ 1,053,000 $ 210,600 $ 116,000
Lee, Florida 5 $ 1,544,000 $ 308,800 $ 125,000
Palm Beach, Florida 5 $ 1,307,000 $ 261,400 $ 102,000
Coweta, Georgia 5 $ 712,000 $ 142,400 $ 72,000
Oakland, Michigan 5 $ 561,000 $ 112,200 $ 94,000
Queens, New York 5 $ 1,049,000 $ 209,800 $ 51,000
Wake, North Carolina 5 $ 644,000 $ 128,800 $ 46,000
Lincoln, Oregon 5 $ 657,000 $ 131,400 $ 188,000
Bucks, Pennsylvania 5 $ 915,000 $ 183,000 $ 61,000
Davis, Utah 5 $ 656,000 $ 131,200 $ 51,000
Weber, Utah 5 $ 1,033,000 $ 206,600 $ 105,000
El Dorado, California 4 $ 696,000 $ 174,000 $ 101,000
Nevada, California 4 $ 1,075,000 $ 268,750 $ 74,000
Plumas, California 4 $ 765,000 $ 191,250 $ 52,000
Santa Barbara, California 4 $ 1,301,000 $ 325,250 $ 85,000
Fairfield, Connecticut 4 $ 1,216,000 $ 304,000 $ 83,000
Chatham, Georgia 4 $ 718,000 $ 179,500 $ 49,000
Cherokee, Georgia 4 $ 1,041,000 $ 260,250 $ 100,000
Harris, Georgia 4 $ 604,000 $ 151,000 $ 90,000
Bonneville, Idaho 4 $ 450,000 $ 112,500 $ 30,000
Jefferson, Louisiana 4 $ 576,000 $ 144,000 $ 52,000
Essex, Massachusetts 4 $ 894,000 $ 223,500 $ 47,000
Wayne, Michigan 4 $ 312,000 $ 78,000 $ 48,000
Harrison, Mississippi 4 $ 493,000 $ 123,250 $ 39,000
Burlington, New Jersey 4 $ 526,000 $ 131,500 $ 75,000
Nassau, New York 4 $ 1,204,000 $ 301,000 $ 85,000
Suffolk, New York 4 $ 1,260,000 $ 315,000 $ 83,000
Hamilton, Ohio 4 $ 285,000 $ 71,250 $ 46,000
Montgomery, Ohio 4 $ 277,000 $ 69,250 $ 50,000
Coos, Oregon 4 $ 668,000 $ 167,000 $ 77,000
Delaware, Pennsylvania 4 $ 779,000 $ 194,750 $ 52,000
Dorchester, South Carolina 4 $ 766,000 $ 191,500 $ 96,000
Rutherford, Tennessee 4 $ 278,000 $ 69,500 $ 267,000
Shelby, Tennessee 4 $ 409,000 $ 102,250 $ 103,000
Navajo, Arizona 3 $ 532,000 $ 177,333 $ 47,000
Washington, Arkansas 3 $ 301,000 $ 100,333 $ 269,000
Colusa, California 3 $ 598,000 $ 199,333 $ 69,000
Imperial, California 3 $ 602,000 $ 200,666 $ 132,000
Modoc, California 3 $ 288,000 $ 96,000 $ 61,000
Arapahoe, Colorado 3 $ 505,000 $ 168,333 $ 88,000
Citrus, Florida 3 $ 423,000 $ 141,000 $ 44,000
Manatee, Florida 3 $ 685,000 $ 228,333 $ 14,000
Martin, Florida 3 $ 480,000 $ 160,000 $ 52,000
Osceola, Florida 3 $ 390,000 $ 130,000 $ 62,000
Pasco, Florida 3 $ 500,000 $ 166,666 $ 80,000
Carroll, Georgia 3 $ 327,000 $ 109,000 $ 50,000
Clayton, Georgia 3 $ 226,000 $ 75,333 $ 96,000
DeKalb, Georgia 3 $ 522,000 $ 174,000 $ 58,000
Forsyth, Georgia 3 $ 585,000 $ 195,000 $ 45,000
Fulton, Georgia 3 $ 370,000 $ 123,333 $ 78,000
Richmond, Georgia 3 $ 305,000 $ 101,666 $ 109,000
Elmore, Idaho 3 $ 236,000 $ 78,666 $ 57,000
Marion, Indiana 3 $ 350,000 $ 116,666 $ 34,000
Livingston, Louisiana 3 $ 281,000 $ 93,666 $ 89,000
Plymouth, Massachusetts 3 $ 710,000 $ 236,666 $ 45,000
Kent, Michigan 3 $ 156,000 $ 52,000 $ 62,000
Macomb, Michigan 3 $ 484,000 $ 161,333 $ 46,000
Jackson, Mississippi 3 $ 363,000 $ 121,000 $ 167,000
Monmouth, New Jersey 3 $ 500,000 $ 166,666 $ 92,000
Ocean, New Jersey 3 $ 939,000 $ 313,000 $ 78,000
Sussex, New Jersey 3 $ 382,000 $ 127,333 $ 58,000
Santa Fe, New Mexico 3 $ 679,000 $ 226,333 $ 111,000
Cumberland, North Carolina 3 $ 314,000 $ 104,666 $ 28,000
Henderson, North Carolina 3 $ 184,000 $ 61,333 $ 66,000
Franklin, Ohio 3 $ 339,000 $ 113,000 $ 101,000
Creek, Oklahoma 3 $ 212,000 $ 70,666 $ 10,000
McCurtain, Oklahoma 3 $ 225,000 $ 75,000 $ 48,000
Oklahoma, Oklahoma 3 $ 270,000 $ 90,000 $ 59,000
Tulsa, Oklahoma 3 $ 301,000 $ 100,333 $ 46,000
Chester, Pennsylvania 3 $ 892,000 $ 297,333 $ 132,000
Lancaster, Pennsylvania 3 $ 423,000 $ 141,000 $ 53,000
Luzerne, Pennsylvania 3 $ 239,000 $ 79,666 $ 56,000
York, Pennsylvania 3 $ 374,000 $ 124,666 $ 57,000
Iron, Utah 3 $ 348,000 $ 116,000 $ 51,000
Dane, Wisconsin 3 $ 477,000 $ 159,000 $ 57,000
Coconino, Arizona 2 $ 442,000 $ 221,000 $ 59,000
Benton, Arkansas 2 $ 736,000 $ 368,000 $ 158,000
Boone, Arkansas 2 $ 223,000 $ 111,500 $ 62,000
Pope, Arkansas 2 $ 202,000 $ 101,000 $ 39,000
Amador, California 2 $ 312,000 $ 156,000 $ 24,000
Mariposa, California 2 $ 386,000 $ 193,000 $ 10,000
San Benito, California 2 $ 661,000 $ 330,500 $ 129,000
Yolo, California 2 $ 477,000 $ 238,500 $ 161,000
Boulder, Colorado 2 $ 520,000 $ 260,000 $ 72,000
Middlesex, Connecticut 2 $ 459,000 $ 229,500 $ 94,000
New London, Connecticut 2 $ 140,000 $ 70,000 $ 0
Windham, Connecticut 2 $ 346,000 $ 173,000 $ 114,000
Clay, Florida 2 $ 236,000 $ 118,000 $ 24,000
Leon, Florida 2 $ 187,000 $ 93,500 $ 78,000
Polk, Florida 2 $ 279,000 $ 139,500 $ 51,000
St. Lucie, Florida 2 $ 292,000 $ 146,000 $ 41,000
Volusia, Florida 2 $ 348,000 $ 174,000 $ 133,000
Burke, Georgia 2 $ 210,000 $ 105,000 $ 81,000
Clarke, Georgia 2 $ 408,000 $ 204,000 $ 64,000
Liberty, Georgia 2 $ 169,000 $ 84,500 $ 46,000
Spalding, Georgia 2 $ 171,000 $ 85,500 $ 80,000
Hawaii, Hawaii 2 $ 797,000 $ 398,500 $ 86,000
Honolulu, Hawaii 2 $ 1,026,000 $ 513,000 $ 36,000
Kauai, Hawaii 2 $ 1,080,000 $ 540,000 $ 123,000
Maui, Hawaii 2 $ 677,000 $ 338,500 $ 88,000
Adams, Indiana 2 $ 142,000 $ 71,000 $ 62,000
Allen, Indiana 2 $ 105,000 $ 52,500 $ 28,000
Delaware, Indiana 2 $ 106,000 $ 53,000 $ 29,000
Fountain, Indiana 2 $ 110,000 $ 55,000 $ 50,000
Wabash, Indiana 2 $ 210,000 $ 105,000 $ 130,000
Johnson, Kansas 2 $ 194,000 $ 97,000 $ 61,000
Fayette, Kentucky 2 $ 197,000 $ 98,500 $ 65,000
Jefferson, Kentucky 2 $ 95,000 $ 47,500 $ 0
Bossier, Louisiana 2 $ 284,000 $ 142,000 $ 85,000
Caddo, Louisiana 2 $ 189,000 $ 94,500 $ 63,000
East Baton Rouge, Louisiana 2 $ 264,000 $ 132,000 $ 47,000
Lafayette, Louisiana 2 $ 135,000 $ 67,500 $ 67,000
Natchitoches, Louisiana 2 $ 230,000 $ 115,000 $ 76,000
Bristol, Massachusetts 2 $ 485,000 $ 242,500 $ 51,000
Hampden, Massachusetts 2 $ 330,000 $ 165,000 $ 61,000
Norfolk, Massachusetts 2 $ 350,000 $ 175,000 $ 25,000
Worcester, Massachusetts 2 $ 563,000 $ 281,500 $ 100,000
Genesee, Michigan 2 $ 101,000 $ 50,500 $ 26,000
Bergen, New Jersey 2 $ 667,000 $ 333,500 $ 62,000
Camden, New Jersey 2 $ 489,000 $ 244,500 $ 79,000
Cumberland, New Jersey 2 $ 252,000 $ 126,000 $ 54,000
Hudson, New Jersey 2 $ 503,000 $ 251,500 $ 81,000
Mercer, New Jersey 2 $ 202,000 $ 101,000 $ 68,000
Somerset, New Jersey 2 $ 462,000 $ 231,000 $ 12,000
Warren, New Jersey 2 $ 523,000 $ 261,500 $ 102,000
Valencia, New Mexico 2 $ 353,000 $ 176,500 $ 99,000
Ontario, New York 2 $ 110,000 $ 55,000 $ 55,000
Orange, New York 2 $ 428,000 $ 214,000 $ 46,000
Ulster, New York 2 $ 360,000 $ 180,000 $ 36,000
Westchester, New York 2 $ 232,000 $ 116,000 $ 90,000
Brunswick, North Carolina 2 $ 272,000 $ 136,000 $ 18,000
Carteret, North Carolina 2 $ 870,000 $ 435,000 $ 96,000
New Hanover, North Carolina 2 $ 542,000 $ 271,000 $ 92,000
Onslow, North Carolina 2 $ 304,000 $ 152,000 $ 46,000
Rutherford, North Carolina 2 $ 94,000 $ 47,000 $ 46,000
Williams, North Dakota 2 $ 173,000 $ 86,500 $ 54,000
Butler, Ohio 2 $ 296,000 $ 148,000 $ 29,000
Cuyahoga, Ohio 2 $ 465,000 $ 232,500 $ 84,000
Erie, Ohio 2 $ 185,000 $ 92,500 $ 144,000
Mahoning, Ohio 2 $ 107,000 $ 53,500 $ 50,000
Logan, Oklahoma 2 $ 382,000 $ 191,000 $ 67,000
Harney, Oregon 2 $ 72,000 $ 36,000 $ 38,000
Jefferson, Oregon 2 $ 194,000 $ 97,000 $ 46,000
Umatilla, Oregon 2 $ 279,000 $ 139,500 $ 37,000
Carbon, Pennsylvania 2 $ 261,000 $ 130,500 $ 54,000
Monroe, Pennsylvania 2 $ 232,000 $ 116,000 $ 77,000
Westmoreland, Pennsylvania 2 $ 200,000 $ 100,000 $ 42,000
Horry, South Carolina 2 $ 253,000 $ 126,500 $ 26,000
Blount, Tennessee 2 $ 319,000 $ 159,500 $ 70,000
Sullivan, Tennessee 2 $ 180,000 $ 90,000 $ 84,000
Dallas, Texas 2 $ 259,000 $ 129,500 $ 95,000
Harris, Texas 2 $ 93,000 $ 46,500 $ 88,000
Box Elder, Utah 2 $ 236,000 $ 118,000 $ 230,000
Washington, Utah 2 $ 211,000 $ 105,500 $ 59,000
Chesterfield, Virginia 2 $ 450,000 $ 225,000 $ 69,000
Fauquier, Virginia 2 $ 551,000 $ 275,500 $ 162,000
Prince William, Virginia 2 $ 569,000 $ 284,500 $ 89,000
Stafford, Virginia 2 $ 467,000 $ 233,500 $ 89,000
Virginia Beach, Virginia 2 $ 307,000 $ 153,500 $ 68,000
Franklin, Washington 2 $ 267,000 $ 133,500 $ 72,000
Grays Harbor, Washington 2 $ 516,000 $ 258,000 $ 52,000
Jefferson, Washington 2 $ 326,000 $ 163,000 $ 101,000
Yakima, Washington 2 $ 108,000 $ 54,000 $ 54,000
Kenosha, Wisconsin 2 $ 175,000 $ 87,500 $ 89,000
Sauk, Wisconsin 2 $ 171,000 $ 85,500 $ 42,000
Cochise, Arizona 1 $ 180,000 $ 180,000 $ 66,000
Graham, Arizona 1 $ 97,000 $ 97,000 $ 38,000
Yuma, Arizona 1 $ 98,000 $ 98,000 $ 32,000
Arkansas, Arkansas 1 $ 158,000 $ 158,000 $ 62,000
Calaveras, California 1 $ 60,000 $ 60,000 $ 84,000
San Francisco, California 1 $ 660,000 $ 660,000 $ 120,000
Adams, Colorado 1 $ 142,000 $ 142,000 $ 120,000
Delta, Colorado 1 $ 180,000 $ 180,000 $ 53,000
Denver, Colorado 1 $ 174,000 $ 174,000 $ 75,000
El Paso, Colorado 1 $ 102,000 $ 102,000 $ 30,000
Fremont, Colorado 1 $ 60,000 $ 60,000 $ 76,000
Jefferson, Colorado 1 $ 250,000 $ 250,000 $ 107,000
Logan, Colorado 1 $ 87,000 $ 87,000 $ 53,000
Moffat, Colorado 1 $ 146,000 $ 146,000 $ 53,000
Weld, Colorado 1 $ 180,000 $ 180,000 $ 37,000
Alachua, Florida 1 $ 188,000 $ 188,000 $ 47,000
Bay, Florida 1 $ 175,000 $ 175,000 $ 55,000
Brevard, Florida 1 $ 70,000 $ 70,000 $ 54,000
Charlotte, Florida 1 $ 207,000 $ 207,000 $ 0
Collier, Florida 1 $ 210,000 $ 210,000 $ 0
Columbia, Florida 1 $ 69,000 $ 69,000 $ 52,000
Escambia, Florida 1 $ 120,000 $ 120,000 $ 261,000
Flagler, Florida 1 $ 44,000 $ 44,000 $ 65,000
Hernando, Florida 1 $ 60,000 $ 60,000 $ 53,000
Lake, Florida 1 $ 50,000 $ 50,000 $ 48,000
Marion, Florida 1 $ 30,000 $ 30,000 $ 52,000
Nassau, Florida 1 $ 172,000 $ 172,000 $ 34,000
Seminole, Florida 1 $ 119,000 $ 119,000 $ 111,000
St. Johns, Florida 1 $ 140,000 $ 140,000 $ 48,000
Baldwin, Georgia 1 $ 260,000 $ 260,000 $ 110,000
Barrow, Georgia 1 $ 141,000 $ 141,000 $ 116,000
Bulloch, Georgia 1 $ 118,000 $ 118,000 $ 59,000
Camden, Georgia 1 $ 116,000 $ 116,000 $ 50,000
Catoosa, Georgia 1 $ 74,000 $ 74,000 $ 43,000
Charlton, Georgia 1 $ 85,000 $ 85,000 $ 37,000
Chattahoochee, Georgia 1 $ 79,000 $ 79,000 $ 42,000
Decatur, Georgia 1 $ 110,000 $ 110,000 $ 36,000
Henry, Georgia 1 $ 50,000 $ 50,000 $ 45,000
Houston, Georgia 1 $ 58,000 $ 58,000 $ 75,000
Lumpkin, Georgia 1 $ 800,000 $ 800,000 $ 156,000
Newton, Georgia 1 $ 104,000 $ 104,000 $ 34,000
Paulding, Georgia 1 $ 207,000 $ 207,000 $ 117,000
Pike, Georgia 1 $ 46,000 $ 46,000 $ 74,000
Rabun, Georgia 1 $ 95,000 $ 95,000 $ 168,000
Walker, Georgia 1 $ 25,000 $ 25,000 $ 72,000
Bannock, Idaho 1 $ 160,000 $ 160,000 $ 66,000
Blaine, Idaho 1 $ 250,000 $ 250,000 $ 83,000
Custer, Idaho 1 $ 75,000 $ 75,000 $ 49,000
Idaho, Idaho 1 $ 54,000 $ 54,000 $ 33,000
Jerome, Idaho 1 $ 88,000 $ 88,000 $ 69,000
Nez Perce, Idaho 1 $ 129,000 $ 129,000 $ 55,000
Valley, Idaho 1 $ 129,000 $ 129,000 $ 42,000
Boone, Indiana 1 $ 128,000 $ 128,000 $ 37,000
Clark, Indiana 1 $ 112,000 $ 112,000 $ 35,000
Crawford, Indiana 1 $ 102,000 $ 102,000 $ 23,000
Dearborn, Indiana 1 $ 65,000 $ 65,000 $ 0
Hancock, Indiana 1 $ 255,000 $ 255,000 $ 0
Jasper, Indiana 1 $ 258,000 $ 258,000 $ 70,000
Johnson, Indiana 1 $ 95,000 $ 95,000 $ 36,000
Lake, Indiana 1 $ 174,000 $ 174,000 $ 29,000
LaPorte, Indiana 1 $ 114,000 $ 114,000 $ 53,000
Madison, Indiana 1 $ 178,000 $ 178,000 $ 57,000
Morgan, Indiana 1 $ 166,000 $ 166,000 $ 66,000
Noble, Indiana 1 $ 94,000 $ 94,000 $ 40,000
Rush, Indiana 1 $ 69,000 $ 69,000 $ 50,000
St. Joseph, Indiana 1 $ 58,000 $ 58,000 $ 19,000
Starke, Indiana 1 $ 80,000 $ 80,000 $ 27,000
Tippecanoe, Indiana 1 $ 38,000 $ 38,000 $ 143,000
Tipton, Indiana 1 $ 179,000 $ 179,000 $ 98,000
Wayne, Indiana 1 $ 123,000 $ 123,000 $ 37,000
Jackson, Kansas 1 $ 162,000 $ 162,000 $ 64,000
Shawnee, Kansas 1 $ 133,000 $ 133,000 $ 131,000
Sherman, Kansas 1 $ 170,000 $ 170,000 $ 55,000
Barren, Kentucky 1 $ 110,000 $ 110,000 $ 35,000
Campbell, Kentucky 1 $ 128,000 $ 128,000 $ 84,000
Franklin, Kentucky 1 $ 164,000 $ 164,000 $ 124,000
Harrison, Kentucky 1 $ 50,000 $ 50,000 $ 46,000
Madison, Kentucky 1 $ 128,000 $ 128,000 $ 34,000
Shelby, Kentucky 1 $ 212,000 $ 212,000 $ 0
Calcasieu, Louisiana 1 $ 110,000 $ 110,000 $ 60,000
Jefferson Davis, Louisiana 1 $ 124,000 $ 124,000 $ 133,000
Morehouse, Louisiana 1 $ 124,000 $ 124,000 $ 50,000
Ouachita, Louisiana 1 $ 630,000 $ 630,000 $ 360,000
St. Tammany, Louisiana 1 $ 213,000 $ 213,000 $ 72,000
Terrebonne, Louisiana 1 $ 122,000 $ 122,000 $ 62,000
Vermilion, Louisiana 1 $ 136,000 $ 136,000 $ 51,000
Prince George's, Maryland 1 $ 130,000 $ 130,000 $ 60,000
Suffolk, Massachusetts 1 $ 358,000 $ 358,000 $ 84,000
Allegan, Michigan 1 $ 204,000 $ 204,000 $ 75,000
Dickinson, Michigan 1 $ 122,000 $ 122,000 $ 65,000
Jackson, Michigan 1 $ 89,000 $ 89,000 $ 40,000
Leelanau, Michigan 1 $ 120,000 $ 120,000 $ 36,000
Saginaw, Michigan 1 $ 23,000 $ 23,000 $ 53,000
Itasca, Minnesota 1 $ 85,000 $ 85,000 $ 57,000
Lake, Minnesota 1 $ 193,000 $ 193,000 $ 58,000
Copiah, Mississippi 1 $ 150,000 $ 150,000 $ 38,000
DeSoto, Mississippi 1 $ 102,000 $ 102,000 $ 31,000
Forrest, Mississippi 1 $ 145,000 $ 145,000 $ 69,000
Hinds, Mississippi 1 $ 121,000 $ 121,000 $ 188,000
Madison, Mississippi 1 $ 189,000 $ 189,000 $ 38,000
Noxubee, Mississippi 1 $ 125,000 $ 125,000 $ 62,000
Pearl River, Mississippi 1 $ 119,000 $ 119,000 $ 30,000
Pike, Mississippi 1 $ 162,000 $ 162,000 $ 96,000
Prentiss, Mississippi 1 $ 30,000 $ 30,000 $ 47,000
Rankin, Mississippi 1 $ 124,000 $ 124,000 $ 66,000
Simpson, Mississippi 1 $ 135,000 $ 135,000 $ 79,000
Stone, Mississippi 1 $ 145,000 $ 145,000 $ 64,000
Boone, Missouri 1 $ 180,000 $ 180,000 $ 71,000
Buchanan, Missouri 1 $ 106,000 $ 106,000 $ 72,000
Clay, Missouri 1 $ 191,000 $ 191,000 $ 86,000
Johnson, Missouri 1 $ 240,000 $ 240,000 $ 63,000
Hall, Nebraska 1 $ 234,000 $ 234,000 $ 0
Cape May, New Jersey 1 $ 150,000 $ 150,000 $ 61,000
Gloucester, New Jersey 1 $ 165,000 $ 165,000 $ 47,000
Middlesex, New Jersey 1 $ 259,000 $ 259,000 $ 0
Union, New Jersey 1 $ 180,000 $ 180,000 $ 42,000
Luna, New Mexico 1 $ 58,000 $ 58,000 $ 54,000
Bronx, New York 1 $ 180,000 $ 180,000 $ 59,000
Chautauqua, New York 1 $ 259,000 $ 259,000 $ 176,000
Dutchess, New York 1 $ 200,000 $ 200,000 $ 60,000
Lewis, New York 1 $ 111,000 $ 111,000 $ 129,000
Livingston, New York 1 $ 177,000 $ 177,000 $ 120,000
New York, New York 1 $ 396,000 $ 396,000 $ 0
Oswego, New York 1 $ 117,000 $ 117,000 $ 70,000
Putnam, New York 1 $ 413,000 $ 413,000 $ 140,000
Richmond, New York 1 $ 238,000 $ 238,000 $ 60,000
Wyoming, New York 1 $ 280,000 $ 280,000 $ 60,000
Ashe, North Carolina 1 $ 142,000 $ 142,000 $ 64,000
Buncombe, North Carolina 1 $ 126,000 $ 126,000 $ 37,000
Caldwell, North Carolina 1 $ 114,000 $ 114,000 $ 63,000
Camden, North Carolina 1 $ 197,000 $ 197,000 $ 108,000
Columbus, North Carolina 1 $ 84,000 $ 84,000 $ 47,000
Currituck, North Carolina 1 $ 228,000 $ 228,000 $ 59,000
Dare, North Carolina 1 $ 260,000 $ 260,000 $ 127,000
Davidson, North Carolina 1 $ 120,000 $ 120,000 $ 23,000
Forsyth, North Carolina 1 $ 121,000 $ 121,000 $ 64,000
Franklin, North Carolina 1 $ 172,000 $ 172,000 $ 55,000
Gaston, North Carolina 1 $ 125,000 $ 125,000 $ 36,000
Harnett, North Carolina 1 $ 157,000 $ 157,000 $ 36,000
Hertford, North Carolina 1 $ 72,000 $ 72,000 $ 96,000
Hoke, North Carolina 1 $ 140,000 $ 140,000 $ 46,000
Iredell, North Carolina 1 $ 187,000 $ 187,000 $ 89,000
Lee, North Carolina 1 $ 107,000 $ 107,000 $ 78,000
Pasquotank, North Carolina 1 $ 320,000 $ 320,000 $ 81,000
Pender, North Carolina 1 $ 335,000 $ 335,000 $ 102,000
Rockingham, North Carolina 1 $ 115,000 $ 115,000 $ 40,000
Rowan, North Carolina 1 $ 140,000 $ 140,000 $ 42,000
Wayne, North Carolina 1 $ 60,000 $ 60,000 $ 27,000
Wilkes, North Carolina 1 $ 104,000 $ 104,000 $ 45,000
Yancey, North Carolina 1 $ 99,000 $ 99,000 $ 48,000
Bottineau, North Dakota 1 $ 30,000 $ 30,000 $ 59,000
Cass, North Dakota 1 $ 100,000 $ 100,000 $ 43,000
Auglaize, Ohio 1 $ 119,000 $ 119,000 $ 68,000
Greene, Ohio 1 $ 80,000 $ 80,000 $ 28,000
Hocking, Ohio 1 $ 145,000 $ 145,000 $ 55,000
Lucas, Ohio 1 $ 38,000 $ 38,000 $ 84,000
Marion, Ohio 1 $ 89,000 $ 89,000 $ 75,000
Medina, Ohio 1 $ 166,000 $ 166,000 $ 53,000
Morrow, Ohio 1 $ 190,000 $ 190,000 $ 39,000
Muskingum, Ohio 1 $ 124,000 $ 124,000 $ 42,000
Portage, Ohio 1 $ 190,000 $ 190,000 $ 34,000
Summit, Ohio 1 $ 133,000 $ 133,000 $ 19,000
Trumbull, Ohio 1 $ 110,000 $ 110,000 $ 68,000
Warren, Ohio 1 $ 146,000 $ 146,000 $ 37,000
Washington, Ohio 1 $ 116,000 $ 116,000 $ 52,000
Wood, Ohio 1 $ 94,000 $ 94,000 $ 110,000
Bryan, Oklahoma 1 $ 207,000 $ 207,000 $ 177,000
Lincoln, Oklahoma 1 $ 145,000 $ 145,000 $ 54,000
Muskogee, Oklahoma 1 $ 88,000 $ 88,000 $ 83,000
Wagoner, Oklahoma 1 $ 200,000 $ 200,000 $ 63,000
Baker, Oregon 1 $ 75,000 $ 75,000 $ 108,000
Clatsop, Oregon 1 $ 153,000 $ 153,000 $ 101,000
Columbia, Oregon 1 $ 145,000 $ 145,000 $ 98,000
Crook, Oregon 1 $ 173,000 $ 173,000 $ 38,000
Curry, Oregon 1 $ 166,000 $ 166,000 $ 69,000
Gilliam, Oregon 1 $ 75,000 $ 75,000 $ 34,000
Grant, Oregon 1 $ 61,000 $ 61,000 $ 54,000
Tillamook, Oregon 1 $ 650,000 $ 650,000 $ 300,000
Bradford, Pennsylvania 1 $ 111,000 $ 111,000 $ 82,000
Butler, Pennsylvania 1 $ 125,000 $ 125,000 $ 132,000
Clearfield, Pennsylvania 1 $ 53,000 $ 53,000 $ 68,000
Columbia, Pennsylvania 1 $ 128,000 $ 128,000 $ 73,000
Crawford, Pennsylvania 1 $ 95,000 $ 95,000 $ 30,000
Cumberland, Pennsylvania 1 $ 191,000 $ 191,000 $ 82,000
Erie, Pennsylvania 1 $ 95,000 $ 95,000 $ 30,000
Fayette, Pennsylvania 1 $ 75,000 $ 75,000 $ 40,000
Indiana, Pennsylvania 1 $ 140,000 $ 140,000 $ 70,000
Lehigh, Pennsylvania 1 $ 30,000 $ 30,000 $ 30,000
Lycoming, Pennsylvania 1 $ 85,000 $ 85,000 $ 42,000
Northampton, Pennsylvania 1 $ 88,000 $ 88,000 $ 26,000
Pike, Pennsylvania 1 $ 153,000 $ 153,000 $ 88,000
Schuylkill, Pennsylvania 1 $ 125,000 $ 125,000 $ 30,000
Warren, Pennsylvania 1 $ 344,000 $ 344,000 $ 176,000
Beaufort, South Carolina 1 $ 240,000 $ 240,000 $ 210,000
Edgefield, South Carolina 1 $ 42,000 $ 42,000 $ 520,000
Kershaw, South Carolina 1 $ 108,000 $ 108,000 $ 19,000
Beadle, South Dakota 1 $ 89,000 $ 89,000 $ 65,000
Dickson, Tennessee 1 $ 151,000 $ 151,000 $ 63,000
Fayette, Tennessee 1 $ 122,000 $ 122,000 $ 38,000
Giles, Tennessee 1 $ 252,000 $ 252,000 $ 100,000
Madison, Tennessee 1 $ 99,000 $ 99,000 $ 45,000
Rhea, Tennessee 1 $ 92,000 $ 92,000 $ 0
Sevier, Tennessee 1 $ 80,000 $ 80,000 $ 16,000
Brazos, Texas 1 $ 143,000 $ 143,000 $ 36,000
Denton, Texas 1 $ 78,000 $ 78,000 $ 42,000
Travis, Texas 1 $ 244,000 $ 244,000 $ 134,000
Juab, Utah 1 $ 233,000 $ 233,000 $ 102,000
Millard, Utah 1 $ 52,000 $ 52,000 $ 122,000
Summit, Utah 1 $ 176,000 $ 176,000 $ 102,000
Augusta, Virginia 1 $ 160,000 $ 160,000 $ 33,000
Campbell, Virginia 1 $ 164,000 $ 164,000 $ 42,000
Chesapeake, Virginia 1 $ 476,000 $ 476,000 $ 110,000
Culpeper, Virginia 1 $ 244,000 $ 244,000 $ 42,000
Danville, Virginia 1 $ 108,000 $ 108,000 $ 98,000
Frederick, Virginia 1 $ 256,000 $ 256,000 $ 98,000
Henrico, Virginia 1 $ 82,000 $ 82,000 $ 37,000
James City, Virginia 1 $ 324,000 $ 324,000 $ 81,000
Loudoun, Virginia 1 $ 153,000 $ 153,000 $ 79,000
Manassas Park, Virginia 1 $ 125,000 $ 125,000 $ 42,000
Martinsville, Virginia 1 $ 99,000 $ 99,000 $ 38,000
Montgomery, Virginia 1 $ 262,000 $ 262,000 $ 0
Newport News, Virginia 1 $ 185,000 $ 185,000 $ 0
Poquoson, Virginia 1 $ 260,000 $ 260,000 $ 75,000
Shenandoah, Virginia 1 $ 120,000 $ 120,000 $ 29,000
Smyth, Virginia 1 $ 81,000 $ 81,000 $ 26,000
Spotsylvania, Virginia 1 $ 350,000 $ 350,000 $ 63,000
Suffolk, Virginia 1 $ 61,000 $ 61,000 $ 160,000
Sussex, Virginia 1 $ 219,000 $ 219,000 $ 72,000
Tazewell, Virginia 1 $ 300,000 $ 300,000 $ 0
Warren, Virginia 1 $ 248,000 $ 248,000 $ 42,000
Adams, Washington 1 $ 70,000 $ 70,000 $ 78,000
Benton, Washington 1 $ 135,000 $ 135,000 $ 349,000
Chelan, Washington 1 $ 148,000 $ 148,000 $ 0
Clallam, Washington 1 $ 239,000 $ 239,000 $ 115,000
Island, Washington 1 $ 238,000 $ 238,000 $ 61,000
Skamania, Washington 1 $ 207,000 $ 207,000 $ 41,000
Thurston, Washington 1 $ 230,000 $ 230,000 $ 65,000
Walla Walla, Washington 1 $ 80,000 $ 80,000 $ 31,000
Whatcom, Washington 1 $ 34,000 $ 34,000 $ 32,000
Whitman, Washington 1 $ 112,000 $ 112,000 $ 46,000
Ashland, Wisconsin 1 $ 335,000 $ 335,000 $ 0
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Mortgage Loan Application Detail Totals for Gateway Business Bank 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 3,082 $700,555,000 $227,000 $4,400,000 $78,000 $1,200,000
Home Purchase 2,448 $568,866,000 $232,000 $4,000,000 $95,000 $1,500,000
Home Improvement 36 $8,957,000 $248,000 $1,206,000 $72,000 $300,000

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 3,018 $733,656,000 $243,000 $4,400,000 $94,000 $1,500,000
Not Provided 1,124 $216,921,000 $192,000 $4,000,000 $71,000 $840,000
Hispanic 1,081 $242,458,000 $224,000 $1,900,000 $73,000 $642,000
Black or African American 162 $37,232,000 $229,000 $850,000 $83,000 $379,000
Asian 114 $32,268,000 $283,000 $1,360,000 $121,000 $480,000
Native Hawaiian or Other Pacific Islander 38 $9,326,000 $245,000 $640,000 $108,000 $357,000
American Indian or Alaskan Native 29 $6,517,000 $224,000 $581,000 $84,000 $247,000
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) 5,153 $1,206,296,000 $234,000 $4,400,000 $88,000 $1,500,000
FHA-insured (Federal Housing Administration) 362 $61,047,000 $168,000 $368,000 $57,000 $202,000
VA-guaranteed (Veterans Administration) 51 $11,035,000 $216,000 $400,000 $65,000 $138,000
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 Originated 3,319 $767,706,000 $231,000 $1,500,000 $83,000 $935,000
Application Withdrawn By Applicant 1,754 $411,502,000 $234,000 $4,000,000 $91,000 $1,500,000
Application Denied By Financial Institution 493 $99,170,000 $201,000 $4,400,000 $80,000 $1,200,000
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 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 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.
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