Gateway Bank, F.S.B. is a Federal Savings Bank headquartered in Oakland, California. Gateway is a top-performing bank, which continues to demonstrate an unwavering commitment to bringing strength and stability to the mortgage and deposit markets that it serves. The Bank’s steadfast commitment to its clients has made it a premier-performing Bank. It was Gateway that earned the distinction of being the Nation’s “Top Performer” in terms of return on equity, among all Banks and Thrifts with assets over $100 million, according to the ABA Banking Journal of July 2003. While driving stellar performance, Gateway has maintained its core philosophy – using banking dollars to make our customers’ housing dreams a reality. By maintaining this focus, the Bank continues to provide profit opportunities and unparalleled service to all its mortgage customers and business partners. In addition to being a full service Bank, Gateway has two main product lines designed to serve the mortgage lending community. Gateway Bank, F.S.B. is a federally regulated savings bank.