Gateway Business Bank Mortgage Lending & HMDA Data, 2005
In 2005, Gateway Business Bank of Cerritos, CA reported 9,794 mortgage applications totaling $1.9 billion, up 34% from 2004. The average application was for $197,618, and applicants reported an average income of $75,231. 67% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Riverside-San Bernardino-Ontario, CA (1,819), Santa Rosa-Petaluma, CA (556) and Chico, CA (537) (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 | 9,794 |
| Total Mortgage Loan Application Amount | $1,935,480,000 |
| Average Mortgage Loan Application Amount | $197,618 |
| Highest Mortgage Loan Application Amount | $1,700,000 |
| Average Applicant Income | $75,231 |
| Highest Applicant Income | $2,136,000 |
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(HMDA) records Gateway Business Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Riverside-San Bernardino-Ontario, CA | 1,819 | $ 416,544,000 | $ 228,996 | $ 76,000 |
| Santa Rosa-Petaluma, CA | 556 | $ 178,798,000 | $ 321,579 | $ 89,000 |
| Chico, CA | 537 | $ 93,155,000 | $ 173,472 | $ 53,000 |
| Phoenix-Mesa-Scottsdale, AZ | 489 | $ 75,534,000 | $ 154,466 | $ 68,000 |
| Santa Ana-Anaheim-Irvine, CA | 359 | $ 113,129,000 | $ 315,122 | $ 111,000 |
| Visalia-Porterville, CA | 337 | $ 57,982,000 | $ 172,053 | $ 62,000 |
| Fresno, CA | 314 | $ 54,279,000 | $ 172,863 | $ 65,000 |
| Los Angeles-Long Beach-Glendale, CA | 281 | $ 78,135,000 | $ 278,060 | $ 97,000 |
| Stockton, CA | 212 | $ 46,858,000 | $ 221,028 | $ 76,000 |
| Medford, OR | 197 | $ 32,896,000 | $ 166,984 | $ 72,000 |
| San Luis Obispo-Paso Robles, CA | 188 | $ 53,848,000 | $ 286,425 | $ 113,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 174 | $ 39,725,000 | $ 228,304 | $ 85,000 |
| Salem, OR | 144 | $ 16,307,000 | $ 113,243 | $ 51,000 |
| Fort Worth-Arlington, TX | 118 | $ 18,540,000 | $ 157,118 | $ 84,000 |
| Modesto, CA | 117 | $ 24,839,000 | $ 212,299 | $ 67,000 |
| Las Vegas-Paradise, NV | 110 | $ 21,102,000 | $ 191,836 | $ 91,000 |
| Dallas-Plano-Irving, TX | 103 | $ 14,486,000 | $ 140,640 | $ 83,000 |
| Redding, CA | 101 | $ 16,665,000 | $ 165,000 | $ 73,000 |
| Yuba City, CA | 101 | $ 20,188,000 | $ 199,881 | $ 63,000 |
| Portland-Vancouver-Beaverton, OR-WA | 97 | $ 14,692,000 | $ 151,463 | $ 73,000 |
| Salinas, CA | 83 | $ 25,621,000 | $ 308,686 | $ 120,000 |
| San Diego-Carlsbad-San Marcos, CA | 75 | $ 19,823,000 | $ 264,306 | $ 94,000 |
| Hanford-Corcoran, CA | 68 | $ 10,607,000 | $ 155,985 | $ 57,000 |
| Bakersfield, CA | 63 | $ 8,899,000 | $ 141,253 | $ 57,000 |
| Atlanta-Sandy Springs-Marietta, GA | 52 | $ 6,620,000 | $ 127,307 | $ 69,000 |
| Madera, CA | 49 | $ 7,841,000 | $ 160,020 | $ 60,000 |
| Prescott, AZ | 40 | $ 4,520,000 | $ 113,000 | $ 92,000 |
| Oakland-Fremont-Hayward, CA | 38 | $ 13,225,000 | $ 348,026 | $ 105,000 |
| Orlando, FL | 37 | $ 5,640,000 | $ 152,432 | $ 91,000 |
| San Francisco-San Mateo-Redwood City, CA | 36 | $ 12,754,000 | $ 354,277 | $ 145,000 |
| Seattle-Bellevue-Everett, WA | 34 | $ 5,313,000 | $ 156,264 | $ 64,000 |
| Edison, NJ | 33 | $ 7,278,000 | $ 220,545 | $ 88,000 |
| Newark-Union, NJ-PA | 31 | $ 5,411,000 | $ 174,548 | $ 115,000 |
| Vallejo-Fairfield, CA | 31 | $ 7,459,000 | $ 240,612 | $ 103,000 |
| Nassau-Suffolk, NY | 29 | $ 6,298,000 | $ 217,172 | $ 75,000 |
| Boise City-Nampa, ID | 28 | $ 3,055,000 | $ 109,107 | $ 62,000 |
| Philadelphia, PA | 28 | $ 3,974,000 | $ 141,928 | $ 82,000 |
| Corvallis, OR | 26 | $ 3,783,000 | $ 145,500 | $ 63,000 |
| Camden, NJ | 25 | $ 3,972,000 | $ 158,880 | $ 71,000 |
| New York-Wayne-White Plains, NY-NJ | 25 | $ 6,191,000 | $ 247,640 | $ 116,000 |
| Tucson, AZ | 25 | $ 2,766,000 | $ 110,640 | $ 116,000 |
| Salt Lake City, UT | 23 | $ 3,076,000 | $ 133,739 | $ 47,000 |
| Eugene-Springfield, OR | 22 | $ 3,194,000 | $ 145,181 | $ 62,000 |
| Santa Cruz-Watsonville, CA | 22 | $ 7,004,000 | $ 318,363 | $ 83,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 22 | $ 3,215,000 | $ 146,136 | $ 89,000 |
| New Orleans-Metairie-Kenner, LA | 21 | $ 2,839,000 | $ 135,190 | $ 101,000 |
| Reno-Sparks, NV | 21 | $ 3,855,000 | $ 183,571 | $ 171,000 |
| Tampa-St. Petersburg-Clearwater, FL | 20 | $ 2,153,000 | $ 107,650 | $ 75,000 |
| Warren-Farmington Hills-Troy, MI | 20 | $ 2,399,000 | $ 119,950 | $ 100,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 18 | $ 2,913,000 | $ 161,833 | $ 63,000 |
| Milwaukee-Waukesha-West Allis, WI | 18 | $ 1,690,000 | $ 93,888 | $ 49,000 |
| Merced, CA | 17 | $ 2,576,000 | $ 151,529 | $ 54,000 |
| Napa, CA | 17 | $ 6,573,000 | $ 386,647 | $ 104,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 17 | $ 5,484,000 | $ 322,588 | $ 96,000 |
| Tacoma, WA | 17 | $ 2,472,000 | $ 145,411 | $ 67,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 17 | $ 2,169,000 | $ 127,588 | $ 53,000 |
| Indianapolis, IN | 16 | $ 2,297,000 | $ 143,562 | $ 57,000 |
| Richmond, VA | 16 | $ 1,967,000 | $ 122,937 | $ 58,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 15 | $ 2,059,000 | $ 137,266 | $ 52,000 |
| Bend, OR | 15 | $ 2,868,000 | $ 191,200 | $ 89,000 |
| Denver-Aurora, CO | 15 | $ 3,306,000 | $ 220,400 | $ 57,000 |
| Honolulu, HI | 15 | $ 4,124,000 | $ 274,933 | $ 87,000 |
| Cape Coral-Fort Myers, FL | 14 | $ 2,300,000 | $ 164,285 | $ 79,000 |
| Charleston-North Charleston, SC | 14 | $ 1,470,000 | $ 105,000 | $ 106,000 |
| Cincinnati-Middletown, OH-KY-IN | 14 | $ 1,680,000 | $ 120,000 | $ 87,000 |
| Cleveland-Elyria-Mentor, OH | 14 | $ 1,153,000 | $ 82,357 | $ 62,000 |
| Miami-Miami Beach-Kendall, FL | 13 | $ 2,745,000 | $ 211,153 | $ 90,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 13 | $ 4,056,000 | $ 312,000 | $ 82,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 13 | $ 3,476,000 | $ 267,384 | $ 73,000 |
| Albany-Schenectady-Troy, NY | 12 | $ 1,360,000 | $ 113,333 | $ 57,000 |
| Boston-Quincy, MA | 11 | $ 2,503,000 | $ 227,545 | $ 70,000 |
| Gary, IN | 11 | $ 961,000 | $ 87,363 | $ 76,000 |
| Trenton-Ewing, NJ | 11 | $ 1,766,000 | $ 160,545 | $ 60,000 |
| Wilmington, NC | 11 | $ 1,403,000 | $ 127,545 | $ 69,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 10 | $ 1,060,000 | $ 106,000 | $ 72,000 |
| El Centro, CA | 10 | $ 1,167,000 | $ 116,700 | $ 64,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 10 | $ 1,837,000 | $ 183,700 | $ 73,000 |
| San Antonio, TX | 10 | $ 1,227,000 | $ 122,700 | $ 110,000 |
| Yuma, AZ | 10 | $ 1,458,000 | $ 145,800 | $ 101,000 |
| Austin-Round Rock, TX | 9 | $ 1,006,000 | $ 111,777 | $ 33,000 |
| Charlotte-Gastonia-Concord, NC-SC | 9 | $ 1,177,000 | $ 130,777 | $ 31,000 |
| Dayton, OH | 9 | $ 1,159,000 | $ 128,777 | $ 68,000 |
| Detroit-Livonia-Dearborn, MI | 9 | $ 1,166,000 | $ 129,555 | $ 87,000 |
| Jacksonville, FL | 9 | $ 1,088,000 | $ 120,888 | $ 75,000 |
| Louisville, KY-IN | 9 | $ 1,137,000 | $ 126,333 | $ 82,000 |
| Sarasota-Bradenton-Venice, FL | 9 | $ 851,000 | $ 94,555 | $ 70,000 |
| St. Louis, MO-IL | 9 | $ 939,000 | $ 104,333 | $ 60,000 |
| Syracuse, NY | 9 | $ 810,000 | $ 90,000 | $ 55,000 |
| Tulsa, OK | 9 | $ 1,378,000 | $ 153,111 | $ 67,000 |
| Coeur D'Alene, ID | 8 | $ 910,000 | $ 113,750 | $ 70,000 |
| Durham, NC | 8 | $ 1,030,000 | $ 128,750 | $ 103,000 |
| Hartford-West Hartford-East Hartford, CT | 8 | $ 1,407,000 | $ 175,875 | $ 60,000 |
| Lakeland, FL | 8 | $ 674,000 | $ 84,250 | $ 54,000 |
| Naples-Marco Island, FL | 8 | $ 1,586,000 | $ 198,250 | $ 194,000 |
| Ogden-Clearfield, UT | 8 | $ 1,126,000 | $ 140,750 | $ 40,000 |
| Raleigh-Cary, NC | 8 | $ 800,000 | $ 100,000 | $ 79,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 7 | $ 771,000 | $ 110,142 | $ 86,000 |
| Madison, WI | 7 | $ 844,000 | $ 120,571 | $ 67,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 7 | $ 966,000 | $ 138,000 | $ 55,000 |
| Nashville-Davidson--Murfreesboro, TN | 7 | $ 504,000 | $ 72,000 | $ 75,000 |
| Springfield, MA | 7 | $ 416,000 | $ 59,428 | $ 34,000 |
| Akron, OH | 6 | $ 542,000 | $ 90,333 | $ 53,000 |
| Asheville, NC | 6 | $ 609,000 | $ 101,500 | $ 56,000 |
| Augusta-Richmond County, GA-SC | 6 | $ 571,000 | $ 95,166 | $ 56,000 |
| Baton Rouge, LA | 6 | $ 682,000 | $ 113,666 | $ 52,000 |
| Bellingham, WA | 6 | $ 1,571,000 | $ 261,833 | $ 110,000 |
| Bridgeport-Stamford-Norwalk, CT | 6 | $ 1,063,000 | $ 177,166 | $ 90,000 |
| Columbia, SC | 6 | $ 458,000 | $ 76,333 | $ 49,000 |
| Columbus, OH | 6 | $ 733,000 | $ 122,166 | $ 52,000 |
| Flagstaff, AZ | 6 | $ 776,000 | $ 129,333 | $ 132,000 |
| Fort Wayne, IN | 6 | $ 450,000 | $ 75,000 | $ 62,000 |
| Greensboro-High Point, NC | 6 | $ 643,000 | $ 107,166 | $ 57,000 |
| Harrisburg-Carlisle, PA | 6 | $ 414,000 | $ 69,000 | $ 45,000 |
| Jackson, MS | 6 | $ 594,000 | $ 99,000 | $ 79,000 |
| Kansas City, MO-KS | 6 | $ 799,000 | $ 133,166 | $ 116,000 |
| New Haven-Milford, CT | 6 | $ 980,000 | $ 163,333 | $ 59,000 |
| Palm Bay-Melbourne-Titusville, FL | 6 | $ 898,000 | $ 149,666 | $ 50,000 |
| Port St. Lucie-Fort Pierce, FL | 6 | $ 795,000 | $ 132,500 | $ 64,000 |
| Topeka, KS | 6 | $ 680,000 | $ 113,333 | $ 63,000 |
| Wichita, KS | 6 | $ 537,000 | $ 89,500 | $ 62,000 |
| Atlantic City, NJ | 5 | $ 816,000 | $ 163,200 | $ 93,000 |
| Buffalo-Niagara Falls, NY | 5 | $ 584,000 | $ 116,800 | $ 100,000 |
| Canton-Massillon, OH | 5 | $ 463,000 | $ 92,600 | $ 55,000 |
| Fayetteville, NC | 5 | $ 493,000 | $ 98,600 | $ 83,000 |
| Gainesville, FL | 5 | $ 615,000 | $ 123,000 | $ 55,000 |
| Lafayette, LA | 5 | $ 645,000 | $ 129,000 | $ 69,000 |
| Olympia, WA | 5 | $ 695,000 | $ 139,000 | $ 50,000 |
| Scranton--Wilkes-Barre, PA | 5 | $ 419,000 | $ 83,800 | $ 44,000 |
| Carson City, NV | 4 | $ 799,000 | $ 199,750 | $ 66,000 |
| Chattanooga, TN-GA | 4 | $ 316,000 | $ 79,000 | $ 90,000 |
| Fort Collins-Loveland, CO | 4 | $ 727,000 | $ 181,750 | $ 151,000 |
| Fort Walton Beach-Crestview-Destin, FL | 4 | $ 504,000 | $ 126,000 | $ 41,000 |
| Greenville, SC | 4 | $ 334,000 | $ 83,500 | $ 56,000 |
| Houston-Baytown-Sugar Land, TX | 4 | $ 576,000 | $ 144,000 | $ 138,000 |
| Knoxville, TN | 4 | $ 447,000 | $ 111,750 | $ 58,000 |
| Lancaster, PA | 4 | $ 393,000 | $ 98,250 | $ 54,000 |
| Lexington-Fayette, KY | 4 | $ 546,000 | $ 136,500 | $ 80,000 |
| Lubbock, TX | 4 | $ 249,000 | $ 62,250 | $ 58,000 |
| Norwich-New London, CT | 4 | $ 686,000 | $ 171,500 | $ 114,000 |
| Oklahoma City, OK | 4 | $ 758,000 | $ 189,500 | $ 105,000 |
| Pittsburgh, PA | 4 | $ 424,000 | $ 106,000 | $ 30,000 |
| Punta Gorda, FL | 4 | $ 468,000 | $ 117,000 | $ 107,000 |
| Reading, PA | 4 | $ 567,000 | $ 141,750 | $ 74,000 |
| Rochester, NY | 4 | $ 389,000 | $ 97,250 | $ 44,000 |
| Shreveport-Bossier City, LA | 4 | $ 496,000 | $ 124,000 | $ 61,000 |
| Spokane, WA | 4 | $ 637,000 | $ 159,250 | $ 57,000 |
| St. George, UT | 4 | $ 658,000 | $ 164,500 | $ 78,000 |
| Tallahassee, FL | 4 | $ 465,000 | $ 116,250 | $ 63,000 |
| Worcester, MA | 4 | $ 819,000 | $ 204,750 | $ 59,000 |
| York-Hanover, PA | 4 | $ 412,000 | $ 103,000 | $ 57,000 |
| Youngstown-Warren-Boardman, OH-PA | 4 | $ 272,000 | $ 68,000 | $ 44,000 |
| Battle Creek, MI | 3 | $ 438,000 | $ 146,000 | $ 46,000 |
| Billings, MT | 3 | $ 587,000 | $ 195,666 | $ 132,000 |
| Bremerton-Silverdale, WA | 3 | $ 443,000 | $ 147,666 | $ 80,000 |
| Cambridge-Newton-Framingham, MA | 3 | $ 505,000 | $ 168,333 | $ 39,000 |
| Colorado Springs, CO | 3 | $ 457,000 | $ 152,333 | $ 91,000 |
| Corpus Christi, TX | 3 | $ 432,000 | $ 144,000 | $ 30,000 |
| Erie, PA | 3 | $ 238,000 | $ 79,333 | $ 57,000 |
| Glens Falls, NY | 3 | $ 285,000 | $ 95,000 | $ 50,000 |
| Grand Rapids-Wyoming, MI | 3 | $ 352,000 | $ 117,333 | $ 70,000 |
| Houma-Bayou Cane-Thibodaux, LA | 3 | $ 266,000 | $ 88,666 | $ 49,000 |
| Kingston, NY | 3 | $ 426,000 | $ 142,000 | $ 71,000 |
| Lewiston, ID-WA | 3 | $ 371,000 | $ 123,666 | $ 37,000 |
| Memphis, TN-MS-AR | 3 | $ 384,000 | $ 128,000 | $ 65,000 |
| Monroe, LA | 3 | $ 269,000 | $ 89,666 | $ 62,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC | 3 | $ 300,000 | $ 100,000 | $ 84,000 |
| Ocean City, NJ | 3 | $ 403,000 | $ 134,333 | $ 41,000 |
| Omaha-Council Bluffs, NE-IA | 3 | $ 276,000 | $ 92,000 | $ 57,000 |
| Oshkosh-Neenah, WI | 3 | $ 211,000 | $ 70,333 | $ 58,000 |
| Pensacola-Ferry Pass-Brent, FL | 3 | $ 199,000 | $ 66,333 | $ 74,000 |
| Rome, GA | 3 | $ 344,000 | $ 114,666 | $ 28,000 |
| Utica-Rome, NY | 3 | $ 272,000 | $ 90,666 | $ 85,000 |
| Winston-Salem, NC | 3 | $ 618,000 | $ 206,000 | $ 93,000 |
| Appleton, WI | 2 | $ 110,000 | $ 55,000 | $ 46,000 |
| Barnstable Town, MA | 2 | $ 267,000 | $ 133,500 | $ 41,000 |
| Brunswick, GA | 2 | $ 185,000 | $ 92,500 | $ 26,000 |
| Charlottesville, VA | 2 | $ 335,000 | $ 167,500 | $ 44,000 |
| Clarksville, TN-KY | 2 | $ 180,000 | $ 90,000 | $ 60,000 |
| Columbus, GA-AL | 2 | $ 347,000 | $ 173,500 | $ 108,000 |
| Essex County, MA | 2 | $ 177,000 | $ 88,500 | $ 110,000 |
| Gainesville, GA | 2 | $ 157,000 | $ 78,500 | $ 82,000 |
| Grand Junction, CO | 2 | $ 142,000 | $ 71,000 | $ 53,000 |
| Greeley, CO | 2 | $ 335,000 | $ 167,500 | $ 114,000 |
| Hickory-Lenoir-Morganton, NC | 2 | $ 230,000 | $ 115,000 | $ 71,000 |
| Idaho Falls, ID | 2 | $ 294,000 | $ 147,000 | $ 30,000 |
| Jackson, MI | 2 | $ 125,000 | $ 62,500 | $ 66,000 |
| Jacksonville, NC | 2 | $ 202,000 | $ 101,000 | $ 65,000 |
| Lafayette, IN | 2 | $ 272,000 | $ 136,000 | $ 138,000 |
| Lewiston-Auburn, ME | 2 | $ 199,000 | $ 99,500 | $ 39,000 |
| Lima, OH | 2 | $ 103,000 | $ 51,500 | $ 57,000 |
| Lincoln, NE | 2 | $ 244,000 | $ 122,000 | $ 69,000 |
| Little Rock-North Little Rock, AR | 2 | $ 192,000 | $ 96,000 | $ 98,000 |
| Lynchburg, VA | 2 | $ 522,000 | $ 261,000 | $ 129,000 |
| McAllen-Edinburg-Pharr, TX | 2 | $ 189,000 | $ 94,500 | $ 0 |
| Monroe, MI | 2 | $ 306,000 | $ 153,000 | $ 53,000 |
| Panama City-Lynn Haven, FL | 2 | $ 220,000 | $ 110,000 | $ 31,000 |
| Pascagoula, MS | 2 | $ 129,000 | $ 64,500 | $ 99,000 |
| Provo-Orem, UT | 2 | $ 120,000 | $ 60,000 | $ 41,000 |
| Pueblo, CO | 2 | $ 280,000 | $ 140,000 | $ 56,000 |
| Saginaw-Saginaw Township North, MI | 2 | $ 282,000 | $ 141,000 | $ 50,000 |
| South Bend-Mishawaka, IN-MI | 2 | $ 506,000 | $ 253,000 | $ 69,000 |
| Spartanburg, SC | 2 | $ 197,000 | $ 98,500 | $ 67,000 |
| Toledo, OH | 2 | $ 239,000 | $ 119,500 | $ 94,000 |
| Vero Beach, FL | 2 | $ 297,000 | $ 148,500 | $ 132,000 |
| Vineland-Millville-Bridgeton, NJ | 2 | $ 179,000 | $ 89,500 | $ 28,000 |
| Wenatchee, WA | 2 | $ 429,000 | $ 214,500 | $ 29,000 |
| Alexandria, LA | 1 | $ 88,000 | $ 88,000 | $ 57,000 |
| Altoona, PA | 1 | $ 38,000 | $ 38,000 | $ 288,000 |
| Ann Arbor, MI | 1 | $ 46,000 | $ 46,000 | $ 73,000 |
| Bismarck, ND | 1 | $ 71,000 | $ 71,000 | $ 44,000 |
| Burlington, NC | 1 | $ 216,000 | $ 216,000 | $ 86,000 |
| Columbia, MO | 1 | $ 86,000 | $ 86,000 | $ 0 |
| Columbus, IN | 1 | $ 86,000 | $ 86,000 | $ 100,000 |
| Dalton, GA | 1 | $ 93,000 | $ 93,000 | $ 38,000 |
| Eau Claire, WI | 1 | $ 339,000 | $ 339,000 | $ 120,000 |
| Elizabethtown, KY | 1 | $ 76,000 | $ 76,000 | $ 70,000 |
| Elkhart-Goshen, IN | 1 | $ 94,000 | $ 94,000 | $ 33,000 |
| Evansville, IN-KY | 1 | $ 123,000 | $ 123,000 | $ 65,000 |
| Fargo, ND-MN | 1 | $ 98,000 | $ 98,000 | $ 51,000 |
| Flint, MI | 1 | $ 176,000 | $ 176,000 | $ 68,000 |
| Fort Smith, AR-OK | 1 | $ 103,000 | $ 103,000 | $ 21,000 |
| Goldsboro, NC | 1 | $ 116,000 | $ 116,000 | $ 44,000 |
| Green Bay, WI | 1 | $ 98,000 | $ 98,000 | $ 22,000 |
| Hattiesburg, MS | 1 | $ 93,000 | $ 93,000 | $ 30,000 |
| Janesville, WI | 1 | $ 111,000 | $ 111,000 | $ 63,000 |
| Kalamazoo-Portage, MI | 1 | $ 104,000 | $ 104,000 | $ 45,000 |
| Kennewick-Richland-Pasco, WA | 1 | $ 40,000 | $ 40,000 | $ 28,000 |
| Kokomo, IN | 1 | $ 104,000 | $ 104,000 | $ 32,000 |
| La Crosse, WI-MN | 1 | $ 153,000 | $ 153,000 | $ 120,000 |
| Lawrence, KS | 1 | $ 144,000 | $ 144,000 | $ 50,000 |
| Lebanon, PA | 1 | $ 82,000 | $ 82,000 | $ 40,000 |
| Longview, WA | 1 | $ 113,000 | $ 113,000 | $ 56,000 |
| Macon, GA | 1 | $ 84,000 | $ 84,000 | $ 225,000 |
| Mansfield, OH | 1 | $ 96,000 | $ 96,000 | $ 40,000 |
| Mount Vernon-Anacortes, WA | 1 | $ 87,000 | $ 87,000 | $ 36,000 |
| Muncie, IN | 1 | $ 87,000 | $ 87,000 | $ 0 |
| Ocala, FL | 1 | $ 195,000 | $ 195,000 | $ 114,000 |
| Pittsfield, MA | 1 | $ 128,000 | $ 128,000 | $ 24,000 |
| Rapid City, SD | 1 | $ 85,000 | $ 85,000 | $ 22,000 |
| Savannah, GA | 1 | $ 113,000 | $ 113,000 | $ 68,000 |
| Sioux Falls, SD | 1 | $ 89,000 | $ 89,000 | $ 18,000 |
| Springfield, MO | 1 | $ 150,000 | $ 150,000 | $ 54,000 |
| Valdosta, GA | 1 | $ 112,000 | $ 112,000 | $ 46,000 |
| Warner Robins, GA | 1 | $ 69,000 | $ 69,000 | $ 94,000 |
| Winchester, VA-WV | 1 | $ 358,000 | $ 358,000 | $ 117,000 |
| Yakima, WA | 1 | $ 120,000 | $ 120,000 | $ 58,000 |
Mortgage Loan Application Detail Totals for Gateway Business Bank in 2005
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 | 5,419 | $1,048,738,000 | $137,820 | $1,700,000 | $64,666 | $2,136,000 |
| Home Purchase | 4,375 | $886,742,000 | $174,620 | $1,219,000 | $112,068 | $2,136,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 4,660 | $990,235,000 | $145,857 | $1,700,000 | $79,200 | $2,136,000 |
| Not Provided | 3,035 | $514,161,000 | $133,578 | $1,200,000 | $65,868 | $2,136,000 |
| Hispanic | 1,557 | $308,190,000 | $151,071 | $1,261,000 | $56,000 | $300,000 |
| Asian | 231 | $58,156,000 | $155,100 | $1,050,000 | $78,400 | $475,000 |
| Black or African American | 224 | $47,066,000 | $143,800 | $638,000 | $140,800 | $660,000 |
| American Indian or Alaskan Native | 53 | $10,131,000 | $153,600 | $484,000 | $91,400 | $374,000 |
| Native Hawaiian or Other Pacific Islander | 34 | $7,541,000 | $248,000 | $428,000 | $65,750 | $166,000 |
| 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) | 9,534 | $1,894,461,000 | $136,051 | $1,700,000 | $70,051 | $2,136,000 |
| FHA-insured (Federal Housing Administration) | 209 | $31,565,000 | $133,600 | $318,000 | $36,600 | $162,000 |
| VA-guaranteed (Veterans Administration) | 51 | $9,454,000 | $188,000 | $329,000 | $63,000 | $180,000 |
| 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 | 6,578 | $1,321,272,000 | $133,342 | $1,388,000 | $71,947 | $1,980,000 |
| Application Withdrawn By Applicant | 2,744 | $531,178,000 | $137,972 | $1,700,000 | $70,702 | $2,136,000 |
| Application Denied By Financial Institution | 472 | $83,030,000 | $174,647 | $750,000 | $68,000 | $396,000 |
| 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 2005 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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