Gateway Business Bank Mortgage Lending & HMDA Data, 2010
In 2010, Gateway Business Bank of Cerritos, CA reported 7,220 mortgage applications totaling $1.6 billion, up 5% from 2009. The average application was for $218,394, and applicants reported an average income of $80,778. 59% of its applications resulted in an originated loan and 13% were denied. Its largest markets were Riverside-San Bernardino-Ontario, CA (1,096), Chico, CA (608) and Santa Rosa-Petaluma, CA (595) (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 | 7,220 |
| Total Mortgage Loan Application Amount | $1,576,811,000 |
| Average Mortgage Loan Application Amount | $218,394 |
| Highest Mortgage Loan Application Amount | $2,000,000 |
| Average Applicant Income | $80,778 |
| Highest Applicant Income | $1,843,000 |
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(HMDA) records Gateway Business Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,096 | $ 224,014,000 | $ 204,392 | $ 73,000 |
| Chico, CA | 608 | $ 115,232,000 | $ 189,526 | $ 77,000 |
| Santa Rosa-Petaluma, CA | 595 | $ 165,781,000 | $ 278,623 | $ 92,000 |
| Los Angeles-Long Beach-Glendale, CA | 453 | $ 120,028,000 | $ 264,962 | $ 167,000 |
| Santa Ana-Anaheim-Irvine, CA | 366 | $ 114,526,000 | $ 312,912 | $ 96,000 |
| Oakland-Fremont-Hayward, CA | 327 | $ 106,440,000 | $ 325,504 | $ 106,000 |
| Vallejo-Fairfield, CA | 190 | $ 56,479,000 | $ 297,257 | $ 92,000 |
| Visalia-Porterville, CA | 137 | $ 21,105,000 | $ 154,051 | $ 62,000 |
| Prescott, AZ | 131 | $ 20,530,000 | $ 156,717 | $ 72,000 |
| Fresno, CA | 114 | $ 16,471,000 | $ 144,482 | $ 63,000 |
| Bakersfield-Delano, CA | 112 | $ 14,341,000 | $ 128,044 | $ 52,000 |
| Redding, CA | 105 | $ 18,014,000 | $ 171,561 | $ 68,000 |
| Denver-Aurora-Broomfield, CO | 97 | $ 20,382,000 | $ 210,123 | $ 64,000 |
| Medford, OR | 96 | $ 16,446,000 | $ 171,312 | $ 64,000 |
| Phoenix-Mesa-Glendale, AZ | 87 | $ 16,348,000 | $ 187,908 | $ 61,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 79 | $ 19,964,000 | $ 252,708 | $ 92,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 63 | $ 12,969,000 | $ 205,857 | $ 59,380 |
| Philadelphia, PA | 62 | $ 13,144,000 | $ 212,000 | $ 77,000 |
| Yuba City, CA | 62 | $ 9,730,000 | $ 156,935 | $ 72,000 |
| San Francisco-San Mateo-Redwood City, CA | 51 | $ 17,928,000 | $ 351,529 | $ 125,000 |
| Flagstaff, AZ | 49 | $ 10,664,000 | $ 217,632 | $ 88,000 |
| San Diego-Carlsbad-San Marcos, CA | 47 | $ 13,343,000 | $ 283,893 | $ 82,000 |
| New York-White Plains-Wayne, NY-NJ | 42 | $ 11,276,000 | $ 268,476 | $ 96,642 |
| Salt Lake City, UT | 41 | $ 7,476,000 | $ 182,341 | $ 55,000 |
| Salem, OR | 40 | $ 7,037,000 | $ 175,925 | $ 74,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 38 | $ 11,320,000 | $ 297,894 | $ 98,000 |
| Pittsburgh, PA | 37 | $ 5,917,000 | $ 159,918 | $ 69,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 34 | $ 6,285,000 | $ 184,852 | $ 56,000 |
| Corvallis, OR | 32 | $ 8,378,000 | $ 261,812 | $ 110,000 |
| Albuquerque, NM | 31 | $ 5,180,000 | $ 167,096 | $ 66,000 |
| Edison-New Brunswick, NJ | 30 | $ 7,517,000 | $ 250,566 | $ 75,000 |
| Ogden-Clearfield, UT | 30 | $ 5,416,000 | $ 180,533 | $ 67,000 |
| Seattle-Bellevue-Everett, WA | 30 | $ 7,853,000 | $ 261,766 | $ 68,000 |
| Colorado Springs, CO | 29 | $ 4,993,000 | $ 172,172 | $ 54,000 |
| Columbus, OH | 29 | $ 4,549,000 | $ 156,862 | $ 61,000 |
| Richmond, VA | 28 | $ 6,208,000 | $ 221,714 | $ 49,000 |
| Nassau-Suffolk, NY | 25 | $ 5,961,000 | $ 238,440 | $ 76,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 24 | $ 4,568,000 | $ 190,333 | $ 54,833 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 23 | $ 4,534,000 | $ 197,130 | $ 57,000 |
| Camden, NJ | 22 | $ 4,887,000 | $ 222,136 | $ 78,000 |
| Little Rock-North Little Rock-Conway, AR | 20 | $ 3,078,000 | $ 153,900 | $ 54,000 |
| Napa, CA | 20 | $ 5,870,000 | $ 293,500 | $ 101,000 |
| Cincinnati-Middletown, OH-KY-IN | 19 | $ 3,055,000 | $ 160,789 | $ 39,789 |
| Las Vegas-Paradise, NV | 19 | $ 3,684,000 | $ 193,894 | $ 66,000 |
| Tacoma, WA | 19 | $ 4,458,000 | $ 234,631 | $ 83,000 |
| Boston-Quincy, MA | 18 | $ 4,256,000 | $ 236,444 | $ 75,000 |
| Fort Collins-Loveland, CO | 18 | $ 3,399,000 | $ 188,833 | $ 59,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 18 | $ 7,928,000 | $ 440,444 | $ 95,000 |
| Tucson, AZ | 18 | $ 3,271,000 | $ 181,722 | $ 54,000 |
| Warren-Troy-Farmington Hills, MI | 16 | $ 2,771,000 | $ 173,187 | $ 47,000 |
| Atlanta-Sandy Springs-Marietta, GA | 15 | $ 2,537,000 | $ 169,133 | $ 54,000 |
| Cambridge-Newton-Framingham, MA | 15 | $ 4,073,000 | $ 271,533 | $ 58,000 |
| Cleveland-Elyria-Mentor, OH | 15 | $ 2,303,000 | $ 153,533 | $ 57,000 |
| Harrisburg-Carlisle, PA | 15 | $ 2,778,000 | $ 185,200 | $ 55,000 |
| Newark-Union, NJ-PA | 15 | $ 3,312,000 | $ 220,800 | $ 89,933 |
| Eugene-Springfield, OR | 14 | $ 2,389,000 | $ 170,642 | $ 69,000 |
| Provo-Orem, UT | 14 | $ 2,695,000 | $ 192,500 | $ 60,000 |
| Albany-Schenectady-Troy, NY | 13 | $ 2,220,000 | $ 170,769 | $ 74,000 |
| Indianapolis-Carmel, IN | 13 | $ 2,440,000 | $ 187,692 | $ 92,000 |
| Milwaukee-Waukesha-West Allis, WI | 13 | $ 2,050,000 | $ 157,692 | $ 46,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 13 | $ 2,410,000 | $ 185,384 | $ 69,000 |
| Greeley, CO | 12 | $ 2,150,000 | $ 179,166 | $ 61,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 12 | $ 4,781,000 | $ 398,416 | $ 82,000 |
| Worcester, MA | 12 | $ 2,618,000 | $ 218,166 | $ 68,000 |
| Baton Rouge, LA | 11 | $ 1,613,000 | $ 146,636 | $ 78,000 |
| Rochester, NY | 11 | $ 1,587,000 | $ 144,272 | $ 77,000 |
| Boulder, CO | 10 | $ 2,645,000 | $ 264,500 | $ 53,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 10 | $ 1,659,000 | $ 165,900 | $ 66,000 |
| New Orleans-Metairie-Kenner, LA | 10 | $ 1,497,000 | $ 149,700 | $ 52,000 |
| Spokane, WA | 10 | $ 1,684,000 | $ 168,400 | $ 38,000 |
| Syracuse, NY | 10 | $ 1,255,000 | $ 125,500 | $ 36,000 |
| Lancaster, PA | 9 | $ 1,570,000 | $ 174,444 | $ 56,000 |
| Madera-Chowchilla, CA | 9 | $ 1,210,000 | $ 134,444 | $ 58,000 |
| Peabody, MA | 9 | $ 1,981,000 | $ 220,111 | $ 62,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 9 | $ 1,983,000 | $ 220,333 | $ 60,000 |
| Scranton--Wilkes-Barre, PA | 9 | $ 1,065,000 | $ 118,333 | $ 47,000 |
| Stockton, CA | 9 | $ 1,668,000 | $ 185,333 | $ 66,000 |
| Buffalo-Niagara Falls, NY | 8 | $ 1,302,000 | $ 162,750 | $ 71,000 |
| Logan, UT-ID | 8 | $ 1,194,000 | $ 149,250 | $ 48,000 |
| Louisville-Jefferson County, KY-IN | 8 | $ 1,300,000 | $ 162,500 | $ 88,250 |
| Salinas, CA | 8 | $ 2,971,000 | $ 371,375 | $ 96,000 |
| St. George, UT | 8 | $ 1,482,000 | $ 185,250 | $ 38,000 |
| York-Hanover, PA | 8 | $ 1,741,000 | $ 217,625 | $ 81,000 |
| Youngstown-Warren-Boardman, OH-PA | 8 | $ 1,183,000 | $ 147,875 | $ 42,250 |
| Bend, OR | 7 | $ 1,452,000 | $ 207,428 | $ 41,000 |
| Dayton, OH | 7 | $ 924,000 | $ 132,000 | $ 61,000 |
| Grand Junction, CO | 7 | $ 1,124,000 | $ 160,571 | $ 54,000 |
| Lake Havasu City-Kingman, AZ | 7 | $ 916,000 | $ 130,857 | $ 71,000 |
| Olympia, WA | 7 | $ 1,336,000 | $ 190,857 | $ 64,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 7 | $ 1,623,000 | $ 231,857 | $ 51,000 |
| Bellingham, WA | 6 | $ 1,226,000 | $ 204,333 | $ 71,000 |
| Bremerton-Silverdale, WA | 6 | $ 1,584,000 | $ 264,000 | $ 107,000 |
| Las Cruces, NM | 6 | $ 1,072,000 | $ 178,666 | $ 49,000 |
| Madison, WI | 6 | $ 999,000 | $ 166,500 | $ 68,000 |
| Pueblo, CO | 6 | $ 1,010,000 | $ 168,333 | $ 62,000 |
| San Luis Obispo-Paso Robles, CA | 6 | $ 2,031,000 | $ 338,500 | $ 170,000 |
| Akron, OH | 5 | $ 780,000 | $ 156,000 | $ 53,000 |
| El Centro, CA | 5 | $ 974,000 | $ 194,800 | $ 86,000 |
| Gary, IN | 5 | $ 1,108,000 | $ 221,600 | $ 69,000 |
| Knoxville, TN | 5 | $ 656,000 | $ 131,200 | $ 69,000 |
| Modesto, CA | 5 | $ 885,000 | $ 177,000 | $ 39,000 |
| Reno-Sparks, NV | 5 | $ 975,000 | $ 195,000 | $ 57,000 |
| Roanoke, VA | 5 | $ 713,000 | $ 142,600 | $ 38,000 |
| Springfield, MA | 5 | $ 991,000 | $ 198,200 | $ 99,000 |
| Appleton, WI | 4 | $ 543,000 | $ 135,750 | $ 64,000 |
| Boise City-Nampa, ID | 4 | $ 738,000 | $ 184,500 | $ 42,000 |
| Fort Wayne, IN | 4 | $ 588,000 | $ 147,000 | $ 46,000 |
| Grand Rapids-Wyoming, MI | 4 | $ 705,000 | $ 176,250 | $ 60,000 |
| Honolulu, HI | 4 | $ 1,282,000 | $ 320,500 | $ 103,000 |
| Kennewick-Pasco-Richland, WA | 4 | $ 868,000 | $ 217,000 | $ 80,000 |
| Lynchburg, VA | 4 | $ 509,000 | $ 127,250 | $ 31,000 |
| Memphis, TN-MS-AR | 4 | $ 768,000 | $ 192,000 | $ 52,000 |
| Parkersburg-Marietta-Vienna, WV-OH | 4 | $ 479,000 | $ 119,750 | $ 52,000 |
| Toledo, OH | 4 | $ 591,000 | $ 147,750 | $ 54,000 |
| Atlantic City-Hammonton, NJ | 3 | $ 239,000 | $ 79,666 | $ 285,000 |
| Billings, MT | 3 | $ 322,000 | $ 107,333 | $ 23,000 |
| Chattanooga, TN-GA | 3 | $ 408,000 | $ 136,000 | $ 57,000 |
| Duluth, MN-WI | 3 | $ 386,000 | $ 128,666 | $ 50,666 |
| Fort Smith, AR-OK | 3 | $ 516,000 | $ 172,000 | $ 38,000 |
| Houma-Bayou Cane-Thibodaux, LA | 3 | $ 398,000 | $ 132,666 | $ 72,000 |
| Jackson, MS | 3 | $ 455,000 | $ 151,666 | $ 48,000 |
| Jonesboro, AR | 3 | $ 487,000 | $ 162,333 | $ 35,000 |
| Lafayette, LA | 3 | $ 530,000 | $ 176,666 | $ 135,000 |
| Lake Charles, LA | 3 | $ 419,000 | $ 139,666 | $ 21,000 |
| Lexington-Fayette, KY | 3 | $ 527,000 | $ 175,666 | $ 17,000 |
| Pittsfield, MA | 3 | $ 486,000 | $ 162,000 | $ 36,000 |
| Providence-New Bedford-Fall River, RI-MA | 3 | $ 700,000 | $ 233,333 | $ 85,000 |
| Reading, PA | 3 | $ 537,000 | $ 179,000 | $ 76,000 |
| Santa Cruz-Watsonville, CA | 3 | $ 648,000 | $ 216,000 | $ 84,000 |
| Santa Fe, NM | 3 | $ 673,000 | $ 224,333 | $ 52,000 |
| St. Cloud, MN | 3 | $ 415,000 | $ 138,333 | $ 31,000 |
| St. Louis, MO-IL | 3 | $ 420,000 | $ 140,000 | $ 42,000 |
| Utica-Rome, NY | 3 | $ 365,000 | $ 121,666 | $ 55,000 |
| Williamsport, PA | 3 | $ 323,000 | $ 107,666 | $ 36,000 |
| Ann Arbor, MI | 2 | $ 456,000 | $ 228,000 | $ 40,000 |
| Athens-Clarke County, GA | 2 | $ 276,000 | $ 138,000 | $ 66,000 |
| Barnstable Town, MA | 2 | $ 489,000 | $ 244,500 | $ 71,000 |
| Battle Creek, MI | 2 | $ 409,000 | $ 204,500 | $ 60,000 |
| Binghamton, NY | 2 | $ 245,000 | $ 122,500 | $ 27,000 |
| Blacksburg-Christiansburg-Radford, VA | 2 | $ 448,000 | $ 224,000 | $ 76,000 |
| Bloomington, IN | 2 | $ 337,000 | $ 168,500 | $ 72,000 |
| Carson City, NV | 2 | $ 569,000 | $ 284,500 | $ 67,000 |
| Detroit-Livonia-Dearborn, MI | 2 | $ 374,000 | $ 187,000 | $ 93,000 |
| Eau Claire, WI | 2 | $ 310,000 | $ 155,000 | $ 32,000 |
| Elmira, NY | 2 | $ 219,000 | $ 109,500 | $ 72,000 |
| Erie, PA | 2 | $ 386,000 | $ 193,000 | $ 59,000 |
| Evansville, IN-KY | 2 | $ 338,000 | $ 169,000 | $ 0 |
| Flint, MI | 2 | $ 281,000 | $ 140,500 | $ 54,000 |
| Glens Falls, NY | 2 | $ 398,000 | $ 199,000 | $ 18,000 |
| Hanford-Corcoran, CA | 2 | $ 315,000 | $ 157,500 | $ 102,000 |
| Janesville, WI | 2 | $ 324,000 | $ 162,000 | $ 59,000 |
| Johnson City, TN | 2 | $ 414,000 | $ 207,000 | $ 184,000 |
| Kingsport-Bristol-Bristol, TN-VA | 2 | $ 396,000 | $ 198,000 | $ 164,000 |
| Kingston, NY | 2 | $ 438,000 | $ 219,000 | $ 74,000 |
| Lansing-East Lansing, MI | 2 | $ 303,000 | $ 151,500 | $ 100,000 |
| Lewiston, ID-WA | 2 | $ 263,000 | $ 131,500 | $ 38,000 |
| Longview, WA | 2 | $ 230,000 | $ 115,000 | $ 19,000 |
| Merced, CA | 2 | $ 168,000 | $ 84,000 | $ 61,000 |
| Monroe, MI | 2 | $ 290,000 | $ 145,000 | $ 42,000 |
| Omaha-Council Bluffs, NE-IA | 2 | $ 265,000 | $ 132,500 | $ 53,000 |
| Pocatello, ID | 2 | $ 245,000 | $ 122,500 | $ 23,000 |
| Racine, WI | 2 | $ 404,000 | $ 202,000 | $ 69,000 |
| Shreveport-Bossier City, LA | 2 | $ 389,000 | $ 194,500 | $ 0 |
| South Bend-Mishawaka, IN-MI | 2 | $ 248,000 | $ 124,000 | $ 61,000 |
| State College, PA | 2 | $ 272,000 | $ 136,000 | $ 68,000 |
| Terre Haute, IN | 2 | $ 209,000 | $ 104,500 | $ 82,000 |
| Yakima, WA | 2 | $ 300,000 | $ 150,000 | $ 22,000 |
| Yuma, AZ | 2 | $ 328,000 | $ 164,000 | $ 55,000 |
| Alexandria, LA | 1 | $ 112,000 | $ 112,000 | $ 0 |
| Altoona, PA | 1 | $ 245,000 | $ 245,000 | $ 60,000 |
| Bay City, MI | 1 | $ 170,000 | $ 170,000 | $ 0 |
| Bismarck, ND | 1 | $ 208,000 | $ 208,000 | $ 49,000 |
| Charlotte-Gastonia-Rock Hill, NC-SC | 1 | $ 1,000 | $ 1,000 | $ 18,000 |
| Charlottesville, VA | 1 | $ 281,000 | $ 281,000 | $ 122,000 |
| Clarksville, TN-KY | 1 | $ 119,000 | $ 119,000 | $ 0 |
| Coeur D'Alene, ID | 1 | $ 193,000 | $ 193,000 | $ 0 |
| Danville, VA | 1 | $ 162,000 | $ 162,000 | $ 41,000 |
| Elkhart-Goshen, IN | 1 | $ 132,000 | $ 132,000 | $ 0 |
| Farmington, NM | 1 | $ 156,000 | $ 156,000 | $ 86,000 |
| Harrisonburg, VA | 1 | $ 142,000 | $ 142,000 | $ 33,000 |
| Holland-Grand Haven, MI | 1 | $ 220,000 | $ 220,000 | $ 52,000 |
| Hot Springs, AR | 1 | $ 121,000 | $ 121,000 | $ 32,000 |
| Idaho Falls, ID | 1 | $ 114,000 | $ 114,000 | $ 45,000 |
| Kalamazoo-Portage, MI | 1 | $ 169,000 | $ 169,000 | $ 51,000 |
| Kansas City, MO-KS | 1 | $ 169,000 | $ 169,000 | $ 57,000 |
| La Crosse, WI-MN | 1 | $ 130,000 | $ 130,000 | $ 90,000 |
| Lafayette, IN | 1 | $ 143,000 | $ 143,000 | $ 122,000 |
| Lake County-Kenosha County, IL-WI | 1 | $ 290,000 | $ 290,000 | $ 89,000 |
| Lebanon, PA | 1 | $ 109,000 | $ 109,000 | $ 100,000 |
| Macon, GA | 1 | $ 256,000 | $ 256,000 | $ 213,000 |
| Mansfield, OH | 1 | $ 106,000 | $ 106,000 | $ 51,000 |
| Michigan City-La Porte, IN | 1 | $ 169,000 | $ 169,000 | $ 105,000 |
| Monroe, LA | 1 | $ 1,000 | $ 1,000 | $ 0 |
| Muncie, IN | 1 | $ 85,000 | $ 85,000 | $ 25,000 |
| Niles-Benton Harbor, MI | 1 | $ 196,000 | $ 196,000 | $ 49,000 |
| Ocean City, NJ | 1 | $ 128,000 | $ 128,000 | $ 170,000 |
| Oshkosh-Neenah, WI | 1 | $ 244,000 | $ 244,000 | $ 62,000 |
| Pascagoula, MS | 1 | $ 226,000 | $ 226,000 | $ 30,000 |
| Pine Bluff, AR | 1 | $ 181,000 | $ 181,000 | $ 96,000 |
| Rochester, MN | 1 | $ 107,000 | $ 107,000 | $ 47,000 |
| Sandusky, OH | 1 | $ 210,000 | $ 210,000 | $ 0 |
| Savannah, GA | 1 | $ 260,000 | $ 260,000 | $ 100,000 |
| Springfield, OH | 1 | $ 245,000 | $ 245,000 | $ 122,000 |
| Trenton-Ewing, NJ | 1 | $ 319,000 | $ 319,000 | $ 0 |
| Vineland-Millville-Bridgeton, NJ | 1 | $ 87,000 | $ 87,000 | $ 60,000 |
| Wenatchee-East Wenatchee, WA | 1 | $ 158,000 | $ 158,000 | $ 79,000 |
| Wilmington, DE-MD-NJ | 1 | $ 135,000 | $ 135,000 | $ 113,000 |
| Winchester, VA-WV | 1 | $ 218,000 | $ 218,000 | $ 56,000 |
Mortgage Loan Application Detail Totals for Gateway Business Bank in 2010
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 | 3,850 | $842,231,000 | $218,000 | $2,000,000 | $77,000 | $1,031,000 |
| Refinancing | 3,101 | $680,517,000 | $219,000 | $757,000 | $74,000 | $903,000 |
| Home Improvement | 269 | $54,063,000 | $200,000 | $680,000 | $213,000 | $1,843,000 |
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 | 4,010 | $887,899,000 | $221,000 | $2,000,000 | $96,000 | $1,843,000 |
| Not Provided | 1,408 | $299,885,000 | $212,000 | $746,000 | $58,000 | $455,000 |
| Hispanic | 972 | $184,983,000 | $190,000 | $640,000 | $60,000 | $720,000 |
| Asian | 372 | $99,032,000 | $266,000 | $746,000 | $94,000 | $807,000 |
| Black or African American | 186 | $45,650,000 | $245,000 | $705,000 | $77,000 | $213,000 |
| Not applicable | 167 | $32,576,000 | $195,000 | $417,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 84 | $23,249,000 | $276,000 | $620,000 | $90,000 | $205,000 |
| American Indian or Alaskan Native | 21 | $3,537,000 | $168,000 | $309,000 | $70,000 | $230,000 |
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) | 3,644 | $755,973,000 | $207,000 | $2,000,000 | $93,000 | $1,843,000 |
| FHA-insured (Federal Housing Administration) | 3,173 | $726,698,000 | $229,000 | $746,000 | $69,000 | $720,000 |
| VA-guaranteed (Veterans Administration) | 326 | $83,835,000 | $257,000 | $1,157,000 | $73,000 | $321,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 77 | $10,305,000 | $133,000 | $362,000 | $41,000 | $110,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 4,291 | $923,037,000 | $215,000 | $1,157,000 | $86,000 | $1,843,000 |
| Application Withdrawn By Applicant | 1,342 | $305,659,000 | $227,000 | $2,000,000 | $83,000 | $1,843,000 |
| Application Denied By Financial Institution | 964 | $211,315,000 | $219,000 | $1,000,000 | $69,000 | $807,000 |
| File Closed For Incompleteness | 479 | $104,114,000 | $217,000 | $746,000 | $54,000 | $348,000 |
| Application Approved But Not Accepted | 144 | $32,686,000 | $226,000 | $647,000 | $85,000 | $274,000 |
| 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 | 378 | $83,690,000 | $221,000 | $716,000 | $78,000 | $720,000 |
| Debt-To-Income Ratio | 252 | $59,350,000 | $235,000 | $1,000,000 | $57,000 | $247,000 |
| Credit History | 132 | $25,316,000 | $191,000 | $675,000 | $59,000 | $400,000 |
| Other | 110 | $22,739,000 | $206,000 | $705,000 | $76,000 | $807,000 |
| Unverifiable Information | 31 | $7,785,000 | $251,000 | $690,000 | $93,000 | $514,000 |
| Employment History | 30 | $6,164,000 | $205,000 | $743,000 | $58,000 | $205,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 22 | $4,586,000 | $208,000 | $505,000 | $56,000 | $182,000 |
| Credit Application Incomplete | 8 | $1,512,000 | $189,000 | $350,000 | $59,000 | $140,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Gateway Business Bank's 2010 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.
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For a list of all lenders in California, download the full spreadsheet
with aggregated HMDA statistics today.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
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