Gateway Business Bank Mortgage Lending & HMDA Data, 2008
In 2008, Gateway Business Bank of Cerritos, CA reported 5,037 mortgage applications totaling $1.1 billion, down 7% from 2007. The average application was for $213,583, and applicants reported an average income of $88,869. 70% of its applications resulted in an originated loan and 13% were denied. Its largest markets were Riverside-San Bernardino-Ontario, CA (1,097), Santa Rosa-Petaluma, CA (583) and Chico, CA (520) (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 | 5,037 |
| Total Mortgage Loan Application Amount | $1,075,818,000 |
| Average Mortgage Loan Application Amount | $213,583 |
| Highest Mortgage Loan Application Amount | $1,200,000 |
| Average Applicant Income | $88,869 |
| Highest Applicant Income | $1,731,000 |
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(HMDA) records Gateway Business Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Riverside, California | 836 | $ 183,659,000 | $ 219,687 | $ 82,000 |
| Sonoma, California | 583 | $ 146,227,000 | $ 250,818 | $ 90,000 |
| Butte, California | 520 | $ 100,065,000 | $ 192,432 | $ 70,000 |
| San Bernardino, California | 261 | $ 58,720,000 | $ 224,980 | $ 84,000 |
| Los Angeles, California | 232 | $ 71,482,000 | $ 308,112 | $ 304,000 |
| Tulare, California | 198 | $ 35,539,000 | $ 179,489 | $ 69,000 |
| Klamath, Oregon | 193 | $ 30,018,000 | $ 155,533 | $ 60,000 |
| Orange, California | 178 | $ 54,833,000 | $ 308,050 | $ 105,000 |
| Fresno, California | 146 | $ 24,294,000 | $ 166,397 | $ 76,000 |
| Josephine, Oregon | 126 | $ 25,557,000 | $ 202,833 | $ 70,000 |
| Yavapai, Arizona | 109 | $ 23,057,000 | $ 211,532 | $ 87,000 |
| Jackson, Oregon | 99 | $ 20,845,000 | $ 210,555 | $ 105,000 |
| Sutter, California | 79 | $ 15,128,000 | $ 191,493 | $ 82,000 |
| Linn, Oregon | 76 | $ 13,232,000 | $ 174,105 | $ 61,000 |
| Mendocino, California | 73 | $ 19,608,000 | $ 268,602 | $ 89,000 |
| Glenn, California | 62 | $ 11,402,000 | $ 183,903 | $ 67,000 |
| Yuba, California | 60 | $ 10,287,000 | $ 171,450 | $ 84,000 |
| Coconino, Arizona | 47 | $ 11,255,000 | $ 239,468 | $ 144,000 |
| Shasta, California | 43 | $ 8,290,000 | $ 192,790 | $ 63,000 |
| Kern, California | 42 | $ 6,733,000 | $ 160,309 | $ 59,000 |
| Marion, Oregon | 38 | $ 6,561,000 | $ 172,657 | $ 61,000 |
| Marin, California | 37 | $ 11,773,000 | $ 318,189 | $ 120,000 |
| Maricopa, Arizona | 32 | $ 6,988,000 | $ 218,375 | $ 87,000 |
| Gila, Arizona | 28 | $ 5,103,000 | $ 182,250 | $ 76,000 |
| San Diego, California | 28 | $ 7,920,000 | $ 282,857 | $ 91,000 |
| Tehama, California | 27 | $ 4,451,000 | $ 164,851 | $ 60,000 |
| Salt Lake, Utah | 25 | $ 4,848,000 | $ 193,920 | $ 49,000 |
| Sacramento, California | 21 | $ 4,474,000 | $ 213,047 | $ 76,000 |
| Mohave, Arizona | 16 | $ 2,757,000 | $ 172,312 | $ 94,000 |
| Lake, California | 16 | $ 3,788,000 | $ 236,750 | $ 60,000 |
| Solano, California | 16 | $ 3,606,000 | $ 225,375 | $ 96,000 |
| Clark, Nevada | 15 | $ 2,960,000 | $ 197,333 | $ 60,000 |
| Benton, Oregon | 15 | $ 3,635,000 | $ 242,333 | $ 90,000 |
| Yamhill, Oregon | 15 | $ 2,838,000 | $ 189,200 | $ 83,000 |
| Pima, Arizona | 14 | $ 2,207,000 | $ 157,642 | $ 55,000 |
| Kings, California | 14 | $ 2,713,000 | $ 193,785 | $ 71,000 |
| Colusa, California | 13 | $ 2,124,000 | $ 163,384 | $ 69,000 |
| Napa, California | 13 | $ 3,934,000 | $ 302,615 | $ 98,000 |
| Weber, Utah | 11 | $ 1,692,000 | $ 153,818 | $ 58,000 |
| Pinal, Arizona | 10 | $ 1,561,000 | $ 156,100 | $ 60,000 |
| Alameda, California | 10 | $ 2,755,000 | $ 275,500 | $ 82,000 |
| Contra Costa, California | 10 | $ 2,309,000 | $ 230,900 | $ 82,000 |
| Imperial, California | 10 | $ 1,486,000 | $ 148,600 | $ 81,000 |
| Utah, Utah | 10 | $ 1,862,000 | $ 186,200 | $ 66,000 |
| Madera, California | 9 | $ 1,718,000 | $ 190,888 | $ 60,000 |
| Ada, Idaho | 9 | $ 1,446,000 | $ 160,666 | $ 58,000 |
| Lane, Oregon | 9 | $ 1,944,000 | $ 216,000 | $ 80,000 |
| Merced, California | 8 | $ 1,159,000 | $ 144,875 | $ 53,000 |
| San Mateo, California | 8 | $ 2,784,000 | $ 348,000 | $ 127,000 |
| Kootenai, Idaho | 8 | $ 1,370,000 | $ 171,250 | $ 67,000 |
| Humboldt, California | 7 | $ 1,191,000 | $ 170,142 | $ 57,000 |
| Lassen, California | 7 | $ 1,455,000 | $ 207,857 | $ 115,000 |
| Plumas, California | 7 | $ 1,590,000 | $ 227,142 | $ 139,000 |
| Bernalillo, New Mexico | 7 | $ 921,000 | $ 131,571 | $ 42,000 |
| King, Washington | 7 | $ 1,483,000 | $ 211,857 | $ 43,000 |
| Santa Barbara, California | 6 | $ 1,853,000 | $ 308,833 | $ 90,000 |
| Santa Clara, California | 6 | $ 1,950,000 | $ 325,000 | $ 84,000 |
| Siskiyou, California | 6 | $ 805,000 | $ 134,166 | $ 62,000 |
| Douglas, Oregon | 6 | $ 843,000 | $ 140,500 | $ 72,000 |
| Multnomah, Oregon | 6 | $ 1,153,000 | $ 192,166 | $ 76,000 |
| Philadelphia, Pennsylvania | 6 | $ 725,000 | $ 120,833 | $ 72,000 |
| Spokane, Washington | 6 | $ 982,000 | $ 163,666 | $ 53,000 |
| Cochise, Arizona | 5 | $ 849,000 | $ 169,800 | $ 78,000 |
| Del Norte, California | 5 | $ 874,000 | $ 174,800 | $ 64,000 |
| El Dorado, California | 5 | $ 1,667,000 | $ 333,400 | $ 118,000 |
| Monterey, California | 5 | $ 1,990,000 | $ 398,000 | $ 176,000 |
| Placer, California | 5 | $ 1,731,000 | $ 346,200 | $ 129,000 |
| Santa Cruz, California | 5 | $ 2,203,000 | $ 440,600 | $ 118,000 |
| Pueblo, Colorado | 5 | $ 806,000 | $ 161,200 | $ 80,000 |
| Deschutes, Oregon | 5 | $ 1,177,000 | $ 235,400 | $ 99,000 |
| Polk, Oregon | 5 | $ 753,000 | $ 150,600 | $ 45,000 |
| Washington, Oregon | 5 | $ 1,213,000 | $ 242,600 | $ 62,000 |
| Davis, Utah | 5 | $ 955,000 | $ 191,000 | $ 58,000 |
| San Luis Obispo, California | 4 | $ 1,311,000 | $ 327,750 | $ 161,000 |
| Stanislaus, California | 4 | $ 742,000 | $ 185,500 | $ 72,000 |
| Mesa, Colorado | 4 | $ 695,000 | $ 173,750 | $ 50,000 |
| Cherokee, Georgia | 4 | $ 651,000 | $ 162,750 | $ 93,000 |
| Columbia, Oregon | 4 | $ 715,000 | $ 178,750 | $ 45,000 |
| Cache, Utah | 4 | $ 539,000 | $ 134,750 | $ 53,000 |
| Snohomish, Washington | 4 | $ 827,000 | $ 206,750 | $ 63,000 |
| Navajo, Arizona | 3 | $ 473,000 | $ 157,666 | $ 23,000 |
| San Joaquin, California | 3 | $ 544,000 | $ 181,333 | $ 94,000 |
| Yolo, California | 3 | $ 1,281,000 | $ 427,000 | $ 117,000 |
| Adams, Colorado | 3 | $ 430,000 | $ 143,333 | $ 57,000 |
| Douglas, Colorado | 3 | $ 574,000 | $ 191,333 | $ 68,000 |
| Larimer, Colorado | 3 | $ 726,000 | $ 242,000 | $ 81,000 |
| Canyon, Idaho | 3 | $ 484,000 | $ 161,333 | $ 43,000 |
| Payette, Idaho | 3 | $ 547,000 | $ 182,333 | $ 51,000 |
| Lea, New Mexico | 3 | $ 281,000 | $ 93,666 | $ 84,000 |
| Hamilton, Ohio | 3 | $ 372,000 | $ 124,000 | $ 63,000 |
| Curry, Oregon | 3 | $ 316,000 | $ 105,333 | $ 27,000 |
| Lincoln, Oregon | 3 | $ 478,000 | $ 159,333 | $ 41,000 |
| Tillamook, Oregon | 3 | $ 653,000 | $ 217,666 | $ 46,000 |
| Umatilla, Oregon | 3 | $ 349,000 | $ 116,333 | $ 63,000 |
| Delaware, Pennsylvania | 3 | $ 354,000 | $ 118,000 | $ 50,000 |
| Montgomery, Pennsylvania | 3 | $ 694,000 | $ 231,333 | $ 90,000 |
| York, Pennsylvania | 3 | $ 522,000 | $ 174,000 | $ 82,000 |
| Hamilton, Tennessee | 3 | $ 338,000 | $ 112,666 | $ 78,000 |
| Shelby, Tennessee | 3 | $ 458,000 | $ 152,666 | $ 95,000 |
| Tooele, Utah | 3 | $ 395,000 | $ 131,666 | $ 47,000 |
| Washington, Utah | 3 | $ 338,000 | $ 112,666 | $ 33,000 |
| Clark, Washington | 3 | $ 572,000 | $ 190,666 | $ 81,000 |
| Thurston, Washington | 3 | $ 671,000 | $ 223,666 | $ 67,000 |
| Apache, Arizona | 2 | $ 225,000 | $ 112,500 | $ 121,000 |
| Washington, Arkansas | 2 | $ 384,000 | $ 192,000 | $ 64,000 |
| Nevada, California | 2 | $ 355,000 | $ 177,500 | $ 86,000 |
| San Francisco, California | 2 | $ 963,000 | $ 481,500 | $ 108,000 |
| Sierra, California | 2 | $ 162,000 | $ 81,000 | $ 49,000 |
| Tuolumne, California | 2 | $ 472,000 | $ 236,000 | $ 64,000 |
| Arapahoe, Colorado | 2 | $ 388,000 | $ 194,000 | $ 84,000 |
| El Paso, Colorado | 2 | $ 363,000 | $ 181,500 | $ 77,000 |
| Jefferson, Colorado | 2 | $ 323,000 | $ 161,500 | $ 90,000 |
| Montezuma, Colorado | 2 | $ 284,000 | $ 142,000 | $ 58,000 |
| Clayton, Georgia | 2 | $ 241,000 | $ 120,500 | $ 50,000 |
| DeKalb, Georgia | 2 | $ 304,000 | $ 152,000 | $ 56,000 |
| Gwinnett, Georgia | 2 | $ 347,000 | $ 173,500 | $ 107,000 |
| Hart, Georgia | 2 | $ 129,000 | $ 64,500 | $ 43,000 |
| Henry, Georgia | 2 | $ 316,000 | $ 158,000 | $ 82,000 |
| Richmond, Georgia | 2 | $ 252,000 | $ 126,000 | $ 44,000 |
| Honolulu, Hawaii | 2 | $ 951,000 | $ 475,500 | $ 48,000 |
| Bannock, Idaho | 2 | $ 202,000 | $ 101,000 | $ 95,000 |
| Bingham, Idaho | 2 | $ 217,000 | $ 108,500 | $ 58,000 |
| Bonneville, Idaho | 2 | $ 344,000 | $ 172,000 | $ 59,000 |
| Lemhi, Idaho | 2 | $ 338,000 | $ 169,000 | $ 65,000 |
| Nez Perce, Idaho | 2 | $ 344,000 | $ 172,000 | $ 59,000 |
| Washington, Idaho | 2 | $ 263,000 | $ 131,500 | $ 34,000 |
| Hamilton, Indiana | 2 | $ 388,000 | $ 194,000 | $ 72,000 |
| Jefferson, Kentucky | 2 | $ 226,000 | $ 113,000 | $ 37,000 |
| Warren, Kentucky | 2 | $ 177,000 | $ 88,500 | $ 45,000 |
| Lafourche, Louisiana | 2 | $ 284,000 | $ 142,000 | $ 63,000 |
| Livingston, Louisiana | 2 | $ 234,000 | $ 117,000 | $ 51,000 |
| Bristol, Massachusetts | 2 | $ 436,000 | $ 218,000 | $ 92,000 |
| Middlesex, Massachusetts | 2 | $ 328,000 | $ 164,000 | $ 46,000 |
| Newaygo, Michigan | 2 | $ 201,000 | $ 100,500 | $ 16,000 |
| DeSoto, Mississippi | 2 | $ 279,000 | $ 139,500 | $ 46,000 |
| Simpson, Mississippi | 2 | $ 192,000 | $ 96,000 | $ 61,000 |
| Clay, Missouri | 2 | $ 268,000 | $ 134,000 | $ 60,000 |
| Jackson, Missouri | 2 | $ 322,000 | $ 161,000 | $ 57,000 |
| St. Charles, Missouri | 2 | $ 309,000 | $ 154,500 | $ 48,000 |
| Silver Bow, Montana | 2 | $ 353,000 | $ 176,500 | $ 69,000 |
| Yellowstone, Montana | 2 | $ 350,000 | $ 175,000 | $ 67,000 |
| Elko, Nevada | 2 | $ 371,000 | $ 185,500 | $ 82,000 |
| Nye, Nevada | 2 | $ 383,000 | $ 191,500 | $ 84,000 |
| Washoe, Nevada | 2 | $ 532,000 | $ 266,000 | $ 87,000 |
| Burlington, New Jersey | 2 | $ 337,000 | $ 168,500 | $ 71,000 |
| Chaves, New Mexico | 2 | $ 241,000 | $ 120,500 | $ 49,000 |
| Dona Ana, New Mexico | 2 | $ 493,000 | $ 246,500 | $ 53,000 |
| San Juan, New Mexico | 2 | $ 286,000 | $ 143,000 | $ 49,000 |
| Sandoval, New Mexico | 2 | $ 346,000 | $ 173,000 | $ 53,000 |
| Wake, North Carolina | 2 | $ 283,000 | $ 141,500 | $ 17,000 |
| Monroe, Ohio | 2 | $ 226,000 | $ 113,000 | $ 43,000 |
| Montgomery, Ohio | 2 | $ 202,000 | $ 101,000 | $ 39,000 |
| Stark, Ohio | 2 | $ 262,000 | $ 131,000 | $ 50,000 |
| Warren, Ohio | 2 | $ 379,000 | $ 189,500 | $ 67,000 |
| Wayne, Ohio | 2 | $ 229,000 | $ 114,500 | $ 44,000 |
| Washington, Oklahoma | 2 | $ 317,000 | $ 158,500 | $ 0 |
| Crook, Oregon | 2 | $ 303,000 | $ 151,500 | $ 41,000 |
| Union, Oregon | 2 | $ 174,000 | $ 87,000 | $ 55,000 |
| Berks, Pennsylvania | 2 | $ 304,000 | $ 152,000 | $ 79,000 |
| Tioga, Pennsylvania | 2 | $ 267,000 | $ 133,500 | $ 38,000 |
| Westmoreland, Pennsylvania | 2 | $ 385,000 | $ 192,500 | $ 91,000 |
| Davidson, Tennessee | 2 | $ 303,000 | $ 151,500 | $ 38,000 |
| Montgomery, Tennessee | 2 | $ 202,000 | $ 101,000 | $ 37,000 |
| Rutherford, Tennessee | 2 | $ 330,000 | $ 165,000 | $ 41,000 |
| Iron, Utah | 2 | $ 357,000 | $ 178,500 | $ 61,000 |
| San Juan, Utah | 2 | $ 356,000 | $ 178,000 | $ 53,000 |
| Portsmouth, Virginia | 2 | $ 386,000 | $ 193,000 | $ 58,000 |
| Benton, Washington | 2 | $ 256,000 | $ 128,000 | $ 52,000 |
| Kitsap, Washington | 2 | $ 483,000 | $ 241,500 | $ 81,000 |
| Lewis, Washington | 2 | $ 181,000 | $ 90,500 | $ 39,000 |
| Yakima, Washington | 2 | $ 301,000 | $ 150,500 | $ 44,000 |
| Santa Cruz, Arizona | 1 | $ 200,000 | $ 200,000 | $ 95,000 |
| Yuma, Arizona | 1 | $ 116,000 | $ 116,000 | $ 38,000 |
| Crawford, Arkansas | 1 | $ 127,000 | $ 127,000 | $ 0 |
| Garland, Arkansas | 1 | $ 120,000 | $ 120,000 | $ 69,000 |
| Pulaski, Arkansas | 1 | $ 163,000 | $ 163,000 | $ 48,000 |
| Sebastian, Arkansas | 1 | $ 174,000 | $ 174,000 | $ 81,000 |
| Amador, California | 1 | $ 154,000 | $ 154,000 | $ 34,000 |
| Calaveras, California | 1 | $ 200,000 | $ 200,000 | $ 42,000 |
| Inyo, California | 1 | $ 225,000 | $ 225,000 | $ 64,000 |
| Modoc, California | 1 | $ 170,000 | $ 170,000 | $ 70,000 |
| Trinity, California | 1 | $ 112,000 | $ 112,000 | $ 9,000 |
| Ventura, California | 1 | $ 328,000 | $ 328,000 | $ 151,000 |
| Boulder, Colorado | 1 | $ 156,000 | $ 156,000 | $ 134,000 |
| Denver, Colorado | 1 | $ 187,000 | $ 187,000 | $ 40,000 |
| Dolores, Colorado | 1 | $ 117,000 | $ 117,000 | $ 48,000 |
| Grand, Colorado | 1 | $ 217,000 | $ 217,000 | $ 66,000 |
| Kit Carson, Colorado | 1 | $ 75,000 | $ 75,000 | $ 25,000 |
| Moffat, Colorado | 1 | $ 228,000 | $ 228,000 | $ 49,000 |
| Weld, Colorado | 1 | $ 260,000 | $ 260,000 | $ 75,000 |
| Baldwin, Georgia | 1 | $ 77,000 | $ 77,000 | $ 28,000 |
| Banks, Georgia | 1 | $ 78,000 | $ 78,000 | $ 31,000 |
| Barrow, Georgia | 1 | $ 151,000 | $ 151,000 | $ 130,000 |
| Bartow, Georgia | 1 | $ 128,000 | $ 128,000 | $ 47,000 |
| Catoosa, Georgia | 1 | $ 126,000 | $ 126,000 | $ 68,000 |
| Chatham, Georgia | 1 | $ 159,000 | $ 159,000 | $ 80,000 |
| Cobb, Georgia | 1 | $ 145,000 | $ 145,000 | $ 91,000 |
| Columbia, Georgia | 1 | $ 197,000 | $ 197,000 | $ 102,000 |
| Crawford, Georgia | 1 | $ 176,000 | $ 176,000 | $ 55,000 |
| Effingham, Georgia | 1 | $ 103,000 | $ 103,000 | $ 29,000 |
| Habersham, Georgia | 1 | $ 148,000 | $ 148,000 | $ 47,000 |
| Jasper, Georgia | 1 | $ 114,000 | $ 114,000 | $ 59,000 |
| Murray, Georgia | 1 | $ 73,000 | $ 73,000 | $ 75,000 |
| Paulding, Georgia | 1 | $ 123,000 | $ 123,000 | $ 38,000 |
| Pike, Georgia | 1 | $ 121,000 | $ 121,000 | $ 84,000 |
| Stephens, Georgia | 1 | $ 128,000 | $ 128,000 | $ 38,000 |
| Toombs, Georgia | 1 | $ 192,000 | $ 192,000 | $ 64,000 |
| Union, Georgia | 1 | $ 191,000 | $ 191,000 | $ 62,000 |
| Upson, Georgia | 1 | $ 125,000 | $ 125,000 | $ 77,000 |
| Walker, Georgia | 1 | $ 175,000 | $ 175,000 | $ 47,000 |
| Whitfield, Georgia | 1 | $ 174,000 | $ 174,000 | $ 53,000 |
| Hawaii, Hawaii | 1 | $ 378,000 | $ 378,000 | $ 38,000 |
| Kauai, Hawaii | 1 | $ 425,000 | $ 425,000 | $ 94,000 |
| Adams, Idaho | 1 | $ 180,000 | $ 180,000 | $ 131,000 |
| Bear Lake, Idaho | 1 | $ 223,000 | $ 223,000 | $ 60,000 |
| Jefferson, Idaho | 1 | $ 141,000 | $ 141,000 | $ 0 |
| Lewis, Idaho | 1 | $ 118,000 | $ 118,000 | $ 44,000 |
| Twin Falls, Idaho | 1 | $ 127,000 | $ 127,000 | $ 72,000 |
| Crawford, Indiana | 1 | $ 133,000 | $ 133,000 | $ 50,000 |
| Montgomery, Indiana | 1 | $ 106,000 | $ 106,000 | $ 51,000 |
| Ripley, Indiana | 1 | $ 84,000 | $ 84,000 | $ 39,000 |
| Douglas, Kansas | 1 | $ 92,000 | $ 92,000 | $ 95,000 |
| Johnson, Kansas | 1 | $ 184,000 | $ 184,000 | $ 0 |
| Linn, Kansas | 1 | $ 102,000 | $ 102,000 | $ 32,000 |
| Sedgwick, Kansas | 1 | $ 105,000 | $ 105,000 | $ 27,000 |
| Bath, Kentucky | 1 | $ 111,000 | $ 111,000 | $ 40,000 |
| Bullitt, Kentucky | 1 | $ 109,000 | $ 109,000 | $ 61,000 |
| Carter, Kentucky | 1 | $ 97,000 | $ 97,000 | $ 55,000 |
| Fayette, Kentucky | 1 | $ 132,000 | $ 132,000 | $ 34,000 |
| Floyd, Kentucky | 1 | $ 127,000 | $ 127,000 | $ 50,000 |
| Lawrence, Kentucky | 1 | $ 99,000 | $ 99,000 | $ 47,000 |
| Natchitoches, Louisiana | 1 | $ 123,000 | $ 123,000 | $ 78,000 |
| Rapides, Louisiana | 1 | $ 104,000 | $ 104,000 | $ 30,000 |
| St. Tammany, Louisiana | 1 | $ 162,000 | $ 162,000 | $ 64,000 |
| Washington, Louisiana | 1 | $ 115,000 | $ 115,000 | $ 37,000 |
| Barnstable, Massachusetts | 1 | $ 191,000 | $ 191,000 | $ 47,000 |
| Hampden, Massachusetts | 1 | $ 110,000 | $ 110,000 | $ 77,000 |
| Alpena, Michigan | 1 | $ 80,000 | $ 80,000 | $ 18,000 |
| Kent, Michigan | 1 | $ 170,000 | $ 170,000 | $ 80,000 |
| Macomb, Michigan | 1 | $ 164,000 | $ 164,000 | $ 47,000 |
| Midland, Michigan | 1 | $ 66,000 | $ 66,000 | $ 24,000 |
| Ottawa, Michigan | 1 | $ 116,000 | $ 116,000 | $ 62,000 |
| Wayne, Michigan | 1 | $ 231,000 | $ 231,000 | $ 88,000 |
| Beltrami, Minnesota | 1 | $ 135,000 | $ 135,000 | $ 61,000 |
| Brown, Minnesota | 1 | $ 121,000 | $ 121,000 | $ 70,000 |
| Clay, Minnesota | 1 | $ 121,000 | $ 121,000 | $ 54,000 |
| Clearwater, Minnesota | 1 | $ 152,000 | $ 152,000 | $ 63,000 |
| Hennepin, Minnesota | 1 | $ 158,000 | $ 158,000 | $ 45,000 |
| Isanti, Minnesota | 1 | $ 185,000 | $ 185,000 | $ 47,000 |
| Polk, Minnesota | 1 | $ 129,000 | $ 129,000 | $ 0 |
| Scott, Minnesota | 1 | $ 177,000 | $ 177,000 | $ 47,000 |
| Sherburne, Minnesota | 1 | $ 157,000 | $ 157,000 | $ 48,000 |
| Todd, Minnesota | 1 | $ 147,000 | $ 147,000 | $ 82,000 |
| Wabasha, Minnesota | 1 | $ 200,000 | $ 200,000 | $ 81,000 |
| Adams, Mississippi | 1 | $ 145,000 | $ 145,000 | $ 59,000 |
| Hancock, Mississippi | 1 | $ 132,000 | $ 132,000 | $ 45,000 |
| Harrison, Mississippi | 1 | $ 155,000 | $ 155,000 | $ 54,000 |
| Jackson, Mississippi | 1 | $ 138,000 | $ 138,000 | $ 49,000 |
| Jasper, Mississippi | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Marion, Mississippi | 1 | $ 132,000 | $ 132,000 | $ 78,000 |
| Newton, Mississippi | 1 | $ 103,000 | $ 103,000 | $ 43,000 |
| Scotland, Missouri | 1 | $ 153,000 | $ 153,000 | $ 51,000 |
| St. Louis, Missouri | 1 | $ 225,000 | $ 225,000 | $ 109,000 |
| Carbon, Montana | 1 | $ 55,000 | $ 55,000 | $ 84,000 |
| Cascade, Montana | 1 | $ 108,000 | $ 108,000 | $ 120,000 |
| Chouteau, Montana | 1 | $ 200,000 | $ 200,000 | $ 70,000 |
| Deer Lodge, Montana | 1 | $ 148,000 | $ 148,000 | $ 0 |
| Flathead, Montana | 1 | $ 104,000 | $ 104,000 | $ 37,000 |
| Gallatin, Montana | 1 | $ 188,000 | $ 188,000 | $ 41,000 |
| Jefferson, Montana | 1 | $ 250,000 | $ 250,000 | $ 62,000 |
| Madison, Montana | 1 | $ 205,000 | $ 205,000 | $ 41,000 |
| Missoula, Montana | 1 | $ 189,000 | $ 189,000 | $ 79,000 |
| Ravalli, Montana | 1 | $ 170,000 | $ 170,000 | $ 66,000 |
| Douglas, Nebraska | 1 | $ 117,000 | $ 117,000 | $ 20,000 |
| White Pine, Nevada | 1 | $ 207,000 | $ 207,000 | $ 112,000 |
| Cumberland, New Jersey | 1 | $ 114,000 | $ 114,000 | $ 70,000 |
| Ocean, New Jersey | 1 | $ 221,000 | $ 221,000 | $ 83,000 |
| Eddy, New Mexico | 1 | $ 173,000 | $ 173,000 | $ 108,000 |
| Rio Arriba, New Mexico | 1 | $ 170,000 | $ 170,000 | $ 53,000 |
| Santa Fe, New Mexico | 1 | $ 122,000 | $ 122,000 | $ 83,000 |
| Sierra, New Mexico | 1 | $ 112,000 | $ 112,000 | $ 44,000 |
| Socorro, New Mexico | 1 | $ 84,000 | $ 84,000 | $ 45,000 |
| Taos, New Mexico | 1 | $ 178,000 | $ 178,000 | $ 76,000 |
| Valencia, New Mexico | 1 | $ 151,000 | $ 151,000 | $ 67,000 |
| Broome, New York | 1 | $ 106,000 | $ 106,000 | $ 45,000 |
| Chautauqua, New York | 1 | $ 77,000 | $ 77,000 | $ 39,000 |
| Chemung, New York | 1 | $ 155,000 | $ 155,000 | $ 116,000 |
| Onondaga, New York | 1 | $ 133,000 | $ 133,000 | $ 67,000 |
| Orleans, New York | 1 | $ 185,000 | $ 185,000 | $ 62,000 |
| Otsego, New York | 1 | $ 175,000 | $ 175,000 | $ 75,000 |
| Rensselaer, New York | 1 | $ 125,000 | $ 125,000 | $ 41,000 |
| Saratoga, New York | 1 | $ 175,000 | $ 175,000 | $ 88,000 |
| Schenectady, New York | 1 | $ 87,000 | $ 87,000 | $ 33,000 |
| Washington, New York | 1 | $ 142,000 | $ 142,000 | $ 122,000 |
| Cabarrus, North Carolina | 1 | $ 118,000 | $ 118,000 | $ 66,000 |
| Caldwell, North Carolina | 1 | $ 141,000 | $ 141,000 | $ 36,000 |
| Catawba, North Carolina | 1 | $ 140,000 | $ 140,000 | $ 84,000 |
| Chatham, North Carolina | 1 | $ 128,000 | $ 128,000 | $ 42,000 |
| Cleveland, North Carolina | 1 | $ 89,000 | $ 89,000 | $ 28,000 |
| Cumberland, North Carolina | 1 | $ 84,000 | $ 84,000 | $ 52,000 |
| Forsyth, North Carolina | 1 | $ 89,000 | $ 89,000 | $ 25,000 |
| Gaston, North Carolina | 1 | $ 116,000 | $ 116,000 | $ 68,000 |
| Guilford, North Carolina | 1 | $ 173,000 | $ 173,000 | $ 200,000 |
| Hoke, North Carolina | 1 | $ 131,000 | $ 131,000 | $ 34,000 |
| Iredell, North Carolina | 1 | $ 188,000 | $ 188,000 | $ 102,000 |
| Jackson, North Carolina | 1 | $ 140,000 | $ 140,000 | $ 37,000 |
| Johnston, North Carolina | 1 | $ 130,000 | $ 130,000 | $ 41,000 |
| Mecklenburg, North Carolina | 1 | $ 101,000 | $ 101,000 | $ 62,000 |
| Robeson, North Carolina | 1 | $ 92,000 | $ 92,000 | $ 54,000 |
| Rockingham, North Carolina | 1 | $ 120,000 | $ 120,000 | $ 83,000 |
| Surry, North Carolina | 1 | $ 89,000 | $ 89,000 | $ 51,000 |
| Wilson, North Carolina | 1 | $ 104,000 | $ 104,000 | $ 24,000 |
| McKenzie, North Dakota | 1 | $ 125,000 | $ 125,000 | $ 108,000 |
| Clinton, Ohio | 1 | $ 50,000 | $ 50,000 | $ 18,000 |
| Franklin, Ohio | 1 | $ 159,000 | $ 159,000 | $ 52,000 |
| Lake, Ohio | 1 | $ 142,000 | $ 142,000 | $ 45,000 |
| Mahoning, Ohio | 1 | $ 126,000 | $ 126,000 | $ 69,000 |
| Medina, Ohio | 1 | $ 200,000 | $ 200,000 | $ 0 |
| Miami, Ohio | 1 | $ 146,000 | $ 146,000 | $ 155,000 |
| Perry, Ohio | 1 | $ 106,000 | $ 106,000 | $ 45,000 |
| Pickaway, Ohio | 1 | $ 112,000 | $ 112,000 | $ 46,000 |
| Portage, Ohio | 1 | $ 242,000 | $ 242,000 | $ 67,000 |
| Richland, Ohio | 1 | $ 93,000 | $ 93,000 | $ 32,000 |
| Summit, Ohio | 1 | $ 106,000 | $ 106,000 | $ 46,000 |
| Tuscarawas, Ohio | 1 | $ 152,000 | $ 152,000 | $ 90,000 |
| Wood, Ohio | 1 | $ 106,000 | $ 106,000 | $ 32,000 |
| Lincoln, Oklahoma | 1 | $ 147,000 | $ 147,000 | $ 0 |
| Clackamas, Oregon | 1 | $ 308,000 | $ 308,000 | $ 0 |
| Grant, Oregon | 1 | $ 99,000 | $ 99,000 | $ 0 |
| Lake, Oregon | 1 | $ 90,000 | $ 90,000 | $ 96,000 |
| Morrow, Oregon | 1 | $ 95,000 | $ 95,000 | $ 53,000 |
| Wasco, Oregon | 1 | $ 97,000 | $ 97,000 | $ 27,000 |
| Butler, Pennsylvania | 1 | $ 109,000 | $ 109,000 | $ 26,000 |
| Carbon, Pennsylvania | 1 | $ 222,000 | $ 222,000 | $ 0 |
| Monroe, Pennsylvania | 1 | $ 205,000 | $ 205,000 | $ 65,000 |
| Northampton, Pennsylvania | 1 | $ 170,000 | $ 170,000 | $ 0 |
| Union, Pennsylvania | 1 | $ 133,000 | $ 133,000 | $ 48,000 |
| Washington, Pennsylvania | 1 | $ 136,000 | $ 136,000 | $ 103,000 |
| Brookings, South Dakota | 1 | $ 147,000 | $ 147,000 | $ 84,000 |
| Brown, South Dakota | 1 | $ 72,000 | $ 72,000 | $ 29,000 |
| Anderson, Tennessee | 1 | $ 89,000 | $ 89,000 | $ 65,000 |
| Campbell, Tennessee | 1 | $ 121,000 | $ 121,000 | $ 40,000 |
| Cumberland, Tennessee | 1 | $ 81,000 | $ 81,000 | $ 37,000 |
| Dickson, Tennessee | 1 | $ 152,000 | $ 152,000 | $ 0 |
| Knox, Tennessee | 1 | $ 109,000 | $ 109,000 | $ 33,000 |
| Stewart, Tennessee | 1 | $ 77,000 | $ 77,000 | $ 103,000 |
| Sumner, Tennessee | 1 | $ 79,000 | $ 79,000 | $ 53,000 |
| Box Elder, Utah | 1 | $ 145,000 | $ 145,000 | $ 80,000 |
| Garfield, Utah | 1 | $ 119,000 | $ 119,000 | $ 49,000 |
| Chesapeake, Virginia | 1 | $ 142,000 | $ 142,000 | $ 32,000 |
| Chesterfield, Virginia | 1 | $ 197,000 | $ 197,000 | $ 0 |
| Fairfax, Virginia | 1 | $ 189,000 | $ 189,000 | $ 41,000 |
| Greene, Virginia | 1 | $ 215,000 | $ 215,000 | $ 96,000 |
| Hampton, Virginia | 1 | $ 128,000 | $ 128,000 | $ 50,000 |
| Hanover, Virginia | 1 | $ 233,000 | $ 233,000 | $ 87,000 |
| Loudoun, Virginia | 1 | $ 417,000 | $ 417,000 | $ 78,000 |
| Nelson, Virginia | 1 | $ 99,000 | $ 99,000 | $ 43,000 |
| Newport News, Virginia | 1 | $ 120,000 | $ 120,000 | $ 58,000 |
| Norfolk, Virginia | 1 | $ 155,000 | $ 155,000 | $ 41,000 |
| Petersburg, Virginia | 1 | $ 166,000 | $ 166,000 | $ 114,000 |
| Pittsylvania, Virginia | 1 | $ 173,000 | $ 173,000 | $ 176,000 |
| Poquoson, Virginia | 1 | $ 126,000 | $ 126,000 | $ 42,000 |
| Powhatan, Virginia | 1 | $ 368,000 | $ 368,000 | $ 98,000 |
| Prince William, Virginia | 1 | $ 212,000 | $ 212,000 | $ 50,000 |
| Spotsylvania, Virginia | 1 | $ 193,000 | $ 193,000 | $ 55,000 |
| Suffolk, Virginia | 1 | $ 100,000 | $ 100,000 | $ 48,000 |
| Warren, Virginia | 1 | $ 198,000 | $ 198,000 | $ 88,000 |
| Chelan, Washington | 1 | $ 169,000 | $ 169,000 | $ 93,000 |
| Douglas, Washington | 1 | $ 158,000 | $ 158,000 | $ 39,000 |
| Grant, Washington | 1 | $ 114,000 | $ 114,000 | $ 46,000 |
| Island, Washington | 1 | $ 176,000 | $ 176,000 | $ 46,000 |
| Kittitas, Washington | 1 | $ 135,000 | $ 135,000 | $ 65,000 |
| Klickitat, Washington | 1 | $ 190,000 | $ 190,000 | $ 70,000 |
| Pend Oreille, Washington | 1 | $ 83,000 | $ 83,000 | $ 25,000 |
| Pierce, Washington | 1 | $ 269,000 | $ 269,000 | $ 72,000 |
| Skagit, Washington | 1 | $ 275,000 | $ 275,000 | $ 68,000 |
| Whatcom, Washington | 1 | $ 281,000 | $ 281,000 | $ 76,000 |
| Brown, Wisconsin | 1 | $ 165,000 | $ 165,000 | $ 76,000 |
| Chippewa, Wisconsin | 1 | $ 115,000 | $ 115,000 | $ 34,000 |
| Douglas, Wisconsin | 1 | $ 99,000 | $ 99,000 | $ 41,000 |
| Milwaukee, Wisconsin | 1 | $ 159,000 | $ 159,000 | $ 90,000 |
| Oconto, Wisconsin | 1 | $ 241,000 | $ 241,000 | $ 54,000 |
| Outagamie, Wisconsin | 1 | $ 103,000 | $ 103,000 | $ 20,000 |
| Polk, Wisconsin | 1 | $ 116,000 | $ 116,000 | $ 48,000 |
Mortgage Loan Application Detail Totals for Gateway Business Bank in 2008
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 |
|---|---|---|---|---|---|---|
| Home Purchase | 3,198 | $678,834,000 | $212,000 | $1,120,000 | $94,000 | $1,731,000 |
| Refinancing | 1,815 | $391,540,000 | $215,000 | $1,200,000 | $80,000 | $793,000 |
| Home Improvement | 24 | $5,444,000 | $226,000 | $600,000 | $76,000 | $168,000 |
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 | 3,280 | $708,086,000 | $215,000 | $1,200,000 | $100,000 | $1,731,000 |
| Hispanic | 915 | $181,543,000 | $198,000 | $693,000 | $67,000 | $767,000 |
| Not Provided | 420 | $79,515,000 | $189,000 | $1,000,000 | $68,000 | $701,000 |
| Asian | 144 | $36,749,000 | $255,000 | $539,000 | $98,000 | $382,000 |
| Black or African American | 131 | $28,319,000 | $216,000 | $740,000 | $82,000 | $405,000 |
| Not applicable | 88 | $28,004,000 | $318,000 | $525,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 35 | $9,016,000 | $257,000 | $413,000 | $85,000 | $261,000 |
| American Indian or Alaskan Native | 24 | $4,586,000 | $191,000 | $388,000 | $84,000 | $359,000 |
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) | 2,551 | $564,594,000 | $221,000 | $1,200,000 | $108,000 | $1,731,000 |
| FHA-insured (Federal Housing Administration) | 2,304 | $464,853,000 | $201,000 | $740,000 | $69,000 | $475,000 |
| VA-guaranteed (Veterans Administration) | 182 | $46,371,000 | $254,000 | $689,000 | $78,000 | $238,000 |
| 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 | 3,548 | $729,786,000 | $205,000 | $1,120,000 | $90,000 | $1,731,000 |
| Application Denied By Financial Institution | 670 | $142,027,000 | $211,000 | $700,000 | $81,000 | $767,000 |
| Application Withdrawn By Applicant | 652 | $163,474,000 | $250,000 | $1,200,000 | $92,000 | $1,300,000 |
| Application Approved But Not Accepted | 103 | $25,678,000 | $249,000 | $660,000 | $92,000 | $443,000 |
| File Closed For Incompleteness | 64 | $14,853,000 | $232,000 | $740,000 | $80,000 | $387,000 |
| 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 | 256 | $52,284,000 | $204,000 | $692,000 | $77,000 | $342,000 |
| Other | 133 | $28,104,000 | $211,000 | $625,000 | $103,000 | $547,000 |
| Credit History | 81 | $16,405,000 | $202,000 | $544,000 | $66,000 | $240,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 70 | $16,841,000 | $240,000 | $700,000 | $72,000 | $767,000 |
| Credit Application Incomplete | 38 | $9,459,000 | $248,000 | $580,000 | $71,000 | $180,000 |
| Debt-To-Income Ratio | 37 | $8,325,000 | $225,000 | $544,000 | $63,000 | $204,000 |
| Unverifiable Information | 33 | $6,486,000 | $196,000 | $397,000 | $116,000 | $360,000 |
| Employment History | 12 | $2,628,000 | $219,000 | $408,000 | $69,000 | $114,000 |
| Mortgage Insurance Denied | 1 | $212,000 | $212,000 | $212,000 | $182,000 | $182,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Gateway Business Bank's 2008 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.
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