Gateway and its associated Mortgage Insurance Vendors  consider the following states in their entirety as Declining/Distressed Markets:

 

 

* GMG is not yet licensed in these states.

** TPO business only in these states...Retail not allowed.

 

The following Metropolitan Statistical Areas and Metropolitan Divisions (identified by CBSA Code and Name) are considered Declining/Distressed Markets:

 

10500 Albany, GA Metropolitan Statistical Area

Principal City: Albany

Baker County, Dougherty County, Lee County, Terrell County, Worth County

 

10580 Albany-Schenectady-Troy, NY Metropolitan Statistical Area

Principal Cities: Albany, Schenectady, Troy

Albany County, Rensselaer County, Saratoga County, Schenectady County, Schoharie County

 

10900 Allentown-Bethlehem-Easton, PA-NJ Metropolitan Statistical Area

Principal Cities: Allentown, PA; Bethlehem, PA

Warren County, NJ; Carbon County, PA; Lehigh County, PA; Northampton County, PA

 

11300 Anderson, IN Metropolitan Statistical Area

Principal City: Anderson

Madison County

 

12020 Athens-Clarke County, GA Metropolitan Statistical Area

Principal City: Athens-Clarke County (balance)∗

Clarke County, Madison County, Oconee County, Oglethorpe County

 

12060 Atlanta-Sandy Springs-Marietta, GA Metropolitan Statistical Area

Principal Cities: Atlanta, Sandy Springs, Marietta

Barrow County, Bartow County, Butts County, Carroll County, Cherokee County, Clayton County, Cobb County, Coweta County, Dawson County, DeKalb County, Douglas County, Fayette County, Forsyth County, Fulton County, Gwinnett County, Haralson County, Heard County, Henry County, Jasper County, Lamar County, Meriwether County, Newton County, Paulding County, Pickens County, Pike County, Rockdale County, Spalding County, Walton County

 

12940 Baton Rouge, LA Metropolitan Statistical Area

Principal City: Baton Rouge

Ascension Parish, East Baton Rouge Parish, East Feliciana Parish, Iberville Parish, Livingston Parish, Pointe Coupee Parish, St. Helena Parish, West Baton Rouge Parish, West Feliciana Parish

 

13780 Binghamton, NY Metropolitan Statistical Area

Principal City: Binghamton

Broome County, Tioga County

15380 Buffalo-Niagara Falls, NY Metropolitan Statistical Area

Principal Cities: Buffalo, Cheektowaga, Tonawanda, Niagara Falls

Erie County, Niagara County

 

15500 Burlington, NC Metropolitan Statistical Area

Principal City: Burlington

Alamance County

 

16220 Casper, WY Metropolitan Statistical Area

Principal City: Casper

Natrona County

 

16300 Cedar Rapids, IA Metropolitan Statistical Area

Principal City: Cedar Rapids

Benton County, Jones County, Linn County

 

16700 Charleston-North Charleston, SC Metropolitan Statistical Area

Principal Cities: Charleston, North Charleston

Berkeley County, Charleston County, Dorchester County

 

16820 Charlottesville, VA Metropolitan Statistical Area

Principal City: Charlottesville

Albemarle County, Fluvanna County, Greene County, Nelson County, Charlottesville city

 

*16980 Chicago-Naperville-Joliet, IL-IN-WI Metropolitan Statistical Area

Principal Cities: Chicago, IL; Naperville, IL; Joliet, IL; Gary, IN; Elgin, IL; Arlington Heights, IL;

Evanston, IL; Schaumburg, IL; Skokie, IL; Des Plaines, IL; Hoffman Estates, IL

*All Divisions of this MSA are restricted, as noted below:

16974 Chicago-Naperville-Joliet, IL Metropolitan Division

Cook County, DeKalb County, DuPage County, Grundy County, Kane County, Kendall County, McHenry County, Will County

 

23844 Gary, IN Metropolitan Division

Jasper County, Lake County, Newton County, Porter County

 

29404 Lake County-Kenosha County, IL-WI Metropolitan Division

Lake County, IL; Kenosha County, WI

 

17140 Cincinnati-Middletown, OH-KY-IN Metropolitan Statistical Area

Principal Cities: Cincinnati, OH; Middletown, OH

Dearborn County, IN; Franklin County, IN; Ohio County, IN; Boone County, KY; Bracken County, KY; Campbell County, KY; Gallatin County, KY; Grant County, KY; Kenton County, KY; Pendleton County, KY; Brown County, OH; Butler County, OH; Clermont County, OH; Hamilton County, OH; Warren County, OH

 

17420 Cleveland, TN Metropolitan Statistical Area

Principal City: Cleveland

Bradley County, Polk County

 

18020 Columbus, IN Metropolitan Statistical Area

Principal City: Columbus

Bartholomew County

 

19060 Cumberland, MD-WV Metropolitan Statistical Area

Principal City: Cumberland, MD

Allegany County, MD; Mineral County, WV

 

*19100 Dallas-Fort Worth-Arlington, TX Metropolitan Statistical Area

Principal Cities: Dallas, Fort Worth, Arlington, Plano, Irving, Carrollton, Denton, Richardson,

McKinney

*Only 1 Division of this MSA is restricted, as noted below:

23104 Fort Worth-Arlington, TX Metropolitan Division

Johnson County, Parker County, Tarrant County, Wise County

 

19140 Dalton, GA Metropolitan Statistical Area

Principal City: Dalton

Murray County, Whitfield County

 

19180 Danville, IL Metropolitan Statistical Area

Principal City: Danville

Vermilion County

 

19260 Danville, VA Metropolitan Statistical Area

Principal City: Danville

Pittsylvania County, Danville city

 

19340 Davenport-Moline-Rock Island, IA-IL Metropolitan Statistical Area

Principal Cities: Davenport, IA; Moline, IL; Rock Island, IL

Henry County, IL; Mercer County, IL; Rock Island County, IL; Scott County, IA

 

19500 Decatur, IL Metropolitan Statistical Area

Principal City: Decatur

Macon County

 

19780 Des Moines-West Des Moines, IA Metropolitan Statistical Area

Principal City: Des Moines, West Des Moines

Dallas County, Guthrie County, Madison County, Polk County, Warren County

 

20500 Durham, NC Metropolitan Statistical Area

Principal City: Durham

Chatham County, Durham County, Orange County, Person County

 

21060 Elizabethtown, KY Metropolitan Statistical Area

Principal City: Elizabethtown

Hardin County, Larue County

 

21140 Elkhart-Goshen, IN Metropolitan Statistical Area

Principal Cities: Elkhart, Goshen

Elkhart County

 

21820 Fairbanks, AK Metropolitan Statistical Area

Principal City: Fairbanks

Fairbanks North Star Borough

 

22020 Fargo, ND-MN Metropolitan Statistical Area

Principal City: Fargo, ND

Clay County, MN, Cass County, ND

 

22220 Fayetteville-Springdale-Rogers, AR-MO Metropolitan Statistical Area

Principal Cities: Fayetteville, AR; Springdale, AR; Rogers, AR; Bentonville, AR

Benton County, AR; Madison County, AR; Washington County, AR; McDonald County, MO

 

23580 Gainesville, GA Metropolitan Statistical Area

Principal City: Gainesville

Hall County

 

24020 Glens Falls, NY Metropolitan Statistical Area

Principal City: Glens Falls

Warren County, Washington County

 

24220 Grand Forks, ND-MN Metropolitan Statistical Area

Principal City: Grand Forks, ND

Polk County, MN; Grand Forks County, ND

 

24660 Greensboro-High Point, NC Metropolitan Statistical Area

Principal Cities: Greensboro, High Point

Guilford County, Randolph County, Rockingham County

 

24860 Greenville-Mauldin-Easley, SC Metropolitan Statistical Area

Principal City: Greenville, Mauldin, Easley

Greenville County, Laurens County, Pickens County

 

25060 Gulfport-Biloxi, MS Metropolitan Statistical Area

Principal Cities: Gulfport, Biloxi

Hancock County, Harrison County, Stone County

 

25180 Hagerstown-Martinsburg, MD-WV Metropolitan Statistical Area

Principal Cities: Hagerstown, MD; Martinsburg, WV

Washington County, MD; Berkeley County, WV; Morgan County, WV

 

25420 Harrisburg-Carlisle, PA Metropolitan Statistical Area

Principal Cities: Harrisburg, Carlisle

Cumberland County, Dauphin County, Perry County

 

25500 Harrisonburg, VA Metropolitan Statistical Area

Principal City: Harrisonburg

Rockingham County, Harrisonburg city

 

25860 Hickory-Lenoir-Morganton, NC Metropolitan Statistical Area

Principal Cities: Hickory, Lenoir, Morganton

Alexander County, Burke County, Caldwell County, Catawba County

 

25980 Hinesville-Fort Stewart, GA Metropolitan Statistical Area

Principal Cities: Hinesville, Fort Stewart

Liberty County, Long County

 

26580 Huntington-Ashland, WV-KY-OH Metropolitan Statistical Area

Principal Cities: Huntington, WV; Ashland, KY

Boyd County, KY; Greenup County, KY; Lawrence County, OH; Cabell County, WV; Wayne County, WV

 

26980 Iowa City, IA Metropolitan Statistical Area

Principal City: Iowa City

Johnson County, Washington County

 

27140 Jackson, MS Metropolitan Statistical Area

Principal City: Jackson

Copiah County, Hinds County, Madison County, Rankin County, Simpson County

 

27180 Jackson, TN Metropolitan Statistical Area

Principal City: Jackson

Chester County, Madison County

 

27900 Joplin, MO Metropolitan Statistical Area

Principal City: Joplin

Jasper County, Newton County

 

28100 Kankakee-Bradley, IL Metropolitan Statistical Area

Principal Cities: Kankakee, Bradley

Kankakee County

 

28140 Kansas City, MO-KS Metropolitan Statistical Area

Principal Cities: Kansas City, MO, Overland Park, KS, Kansas City, KS

Franklin County, KS; Johnson County, KS; Leavenworth County, KS; Linn County, KS; Miami County, KS; Wyandotte County, KS; Bates County, MO; Caldwell County, MO; Cass County, MO; Clay County, MO; Clinton County, MO; Jackson County, MO; Lafayette County, MO; Platte County, MO; Ray County, MO

 

28740 Kingston, NY Metropolitan Statistical Area

Principal City: Kingston

Ulster County

 

28940 Knoxville, TN Metropolitan Statistical Area

Principal City: Knoxville

Anderson County, Blount County, Knox County, Loudon County, Union County

 

29020 Kokomo, IN Metropolitan Statistical Area

Principal City: Kokomo

Howard County, Tipton County

 

29540 Lancaster, PA Metropolitan Statistical Area

Principal City: Lancaster

Lancaster County

 

30020 Lawton, OK Metropolitan Statistical Area

Principal City: Lawton

Comanche County

 

30460 Lexington-Fayette, KY Metropolitan Statistical Area

Principal City: Lexington-Fayette

Bourbon County, Clark County, Fayette County, Jessamine County, Scott County, Woodford County

 

30700 Lincoln, NE Metropolitan Statistical Area

Principal City: Lincoln

Lancaster County, Seward County

 

31140 Louisville/Jefferson County, KY-IN Metropolitan Statistical Area

Principal City: Louisville/Jefferson County (balance), KY

Clark County, IN; Floyd County, IN; Harrison County, IN; Washington County, IN; Bullitt County, KY; Henry County, KY; Jefferson County, KY; Meade County, KY; Nelson County, KY; Oldham County, KY; Shelby County, KY; Spencer County, KY; Trimble County, KY

 

32820 Memphis, TN-MS-AR Metropolitan Statistical Area

Principal City: Memphis, TN

Crittenden County, AR; DeSoto County, MS; Marshall County, MS; Tate County, MS; Tunica County, MS; Fayette County, TN; Shelby County, TN; Tipton County, TN

 

33140 Michigan City-La Porte, IN Metropolitan Statistical Area

Principal Cities: Michigan City, La Porte

LaPorte County

 

33540 Missoula, MT Metropolitan Statistical Area

Principal City: Missoula

Missoula County

 

33660 Mobile, AL Metropolitan Statistical Area

Principal City: Mobile

Mobile County

 

33860 Montgomery, AL Metropolitan Statistical Area

Principal City: Montgomery

Autauga County, Elmore County, Lowndes County, Montgomery County

 

34100 Morristown, TN Metropolitan Statistical Area

Principal City: Morristown

Grainger County, Hamblen County, Jefferson County

 

34620 Muncie, IN Metropolitan Statistical Area

Principal City: Muncie

Delaware County

 

34820 Myrtle Beach-Conway-North Myrtle Beach, SC Metropolitan Statistical Area

Principal Cities: Myrtle Beach, Conway, North Myrtle Beach

Horry County

 

34980 Nashville-Davidson—Murfreesboro—Franklin, TN Metropolitan Statistical Area

Principal Cities: Nashville-Davidson (balance)∗, Murfreesboro, Franklin

Cannon County, Cheatham County, Davidson County, Dickson County, Hickman County, Macon County, Robertson County, Rutherford County, Smith County, Sumner County, Trousdale County, Williamson County, Wilson County

 

35380 New Orleans-Metairie-Kenner, LA Metropolitan Statistical Area

Principal Cities: New Orleans, Metairie, Kenner

Jefferson Parish, Orleans Parish, Plaquemines Parish, St. Bernard Parish, St. Charles Parish, St. John the Baptist Parish, St. Tammany Parish

 

*35620 New York-Northern New Jersey-Long Island, NY-NJ-PA Metropolitan Statistical Area

Principal Cities: New York, NY; Newark, NJ; Edison, NJ; White Plains, NY; Union, NJ; Wayne, NJ

*All Divisions of this MSA are restricted, as noted below:

 

20764 Edison, NJ Metropolitan Division

Middlesex County, Monmouth County, Ocean County, Somerset County

 

35004 Nassau-Suffolk, NY Metropolitan Division

Nassau County, Suffolk County

 

35084 Newark-Union, NJ-PA Metropolitan Division

Essex County, NJ; Hunterdon County, NJ; Morris County, NJ; Sussex County, NJ; Union

County, NJ; Pike County, PA

 

35644 New York-White Plains-Wayne, NY-NJ Metropolitan Division

Bergen County, NJ; Hudson County, NJ; Passaic County, NJ; Bronx County, NY; Kings

County, NY; New York County, NY; Putnam County, NY; Queens County, NY; Richmond

County, NY; Rockland County, NY; Westchester County, NY

 

37620 Parkersburg-Marietta-Vienna, WV-OH Metropolitan Statistical Area

Principal Cities: Parkersburg, WV; Marietta, OH; Vienna, WV

Washington County, OH; Pleasants County, WV; Wirt County, WV; Wood County, WV

 

37700 Pascagoula, MS Metropolitan Statistical Area

Principal City: Pascagoula

George County, Jackson County

 

*37980 Philadelphia-Camden-Wilmington, PA-NJ-DE-MD Metropolitan Statistical Area

Principal Cities: Philadelphia, PA; Camden, NJ; Wilmington, DE

*All Divisions of this MSA are restricted, as noted below:

 

15804 Camden, NJ Metropolitan Division

Burlington County, Camden County, Gloucester County

 

37964 Philadelphia, PA Metropolitan Division

Bucks County, Chester County, Delaware County, Montgomery County, Philadelphia

County

 

48864 Wilmington, DE-MD-NJ Metropolitan Division

New Castle County, DE; Cecil County, MD; Salem County, NJ

 

39100 Poughkeepsie-Newburgh-Middletown, NY Metropolitan Statistical Area

Principal Cities: Poughkeepsie, Newburgh, Middletown, Arlington

Dutchess County, Orange County

 

39580 Raleigh-Cary, NC Metropolitan Statistical Area

Principal Cities: Raleigh, Cary

Franklin County, Johnston County, Wake County

 

40060 Richmond, VA Metropolitan Statistical Area

Principal City: Richmond

Amelia County, Caroline County, Charles City County, Chesterfield County, Cumberland County, Dinwiddie County, Goochland County, Hanover County, Henrico County, King and Queen County, King William County, Louisa County, New Kent County, Powhatan County, Prince George County, Sussex County, Colonial Heights city, Hopewell city, Petersburg city, Richmond city

 

40380 Rochester, NY Metropolitan Statistical Area

Principal City: Rochester

Livingston County, Monroe County, Ontario County, Orleans County, Wayne County

 

40420 Rockford, IL Metropolitan Statistical Area

Principal City: Rockford

Boone County, Winnebago County

 

41140 St. Joseph, MO-KS Metropolitan Statistical Area

Principal City: St. Joseph, MO

Doniphan County, KS; Andrew County, MO; Buchanan County, MO; DeKalb County, MO

 

41180 St. Louis, MO-IL Metropolitan Statistical Area

Principal Cities: St. Louis, MO; St. Charles, MO

Bond County, IL; Calhoun County, IL; Clinton County, IL; Jersey County, IL; Macoupin County, IL; Madison County, IL; Monroe County, IL; St. Clair County, IL; Crawford County, MO (part—Sullivan city); Franklin County, MO; Jefferson County, MO; Lincoln County, MO; St. Charles County, MO; St. Louis County, MO; Warren County, MO; Washington County, MO; St. Louis city, MO

 

41700 San Antonio, TX Metropolitan Statistical Area

Principal City: San Antonio

Atascosa County, Bandera County, Bexar County, Comal County, Guadalupe County, Kendall County, Medina County, Wilson County

 

42340 Savannah, GA Metropolitan Statistical Area

Principal City: Savannah

Bryan County, Chatham County, Effingham County

 

43340 Shreveport-Bossier City, LA Metropolitan Statistical Area

Principal Cities: Shreveport, Bossier City

Bossier Parish, Caddo Parish, De Soto Parish

 

43580 Sioux City, IA-NE-SD Metropolitan Statistical Area

Principal City: Sioux City, IA

Woodbury County, IA; Dakota County, NE; Dixon County, NE; Union County, SD

 

43620 Sioux Falls, SD Metropolitan Statistical Area

Principal City: Sioux Falls

Lincoln County, McCook County, Minnehaha County, Turner County

 

43900 Spartanburg, SC Metropolitan Statistical Area

Principal City: Spartanburg

Spartanburg County

 

44100 Springfield, IL Metropolitan Statistical Area

Principal City: Springfield

Menard County, Sangamon County

 

44180 Springfield, MO Metropolitan Statistical Area

Principal City: Springfield

Christian County, Dallas County, Greene County, Polk County, Webster County

 

45460 Terre Haute, IN Metropolitan Statistical Area

Principal City: Terre Haute

Clay County, Sullivan County, Vermillion County, Vigo County

 

46660 Valdosta, GA Metropolitan Statistical Area

Principal City: Valdosta

Brooks County, Echols County, Lanier County, Lowndes County

 

47260 Virginia Beach-Norfolk-Newport News, VA-NC Metropolitan Statistical Area

Principal Cities: Virginia Beach, VA; Norfolk, VA; Newport News, VA; Hampton, VA; Portsmouth,

VA

Currituck County, NC; Gloucester County, VA; Isle of Wight County, VA; James City

County, VA; Mathews County, VA; Surry County, VA; York County, VA; Chesapeake city,

VA; Hampton city, VA; Newport News city, VA; Norfolk city, VA; Poquoson city, VA;

Portsmouth city, VA; Suffolk city, VA; Virginia Beach city, VA; Williamsburg city, VA

 

*47900 Washington-Arlington-Alexandria, DC-VA-MD-WV Metropolitan Statistical Area

Principal Cities: Washington, DC; Arlington, VA; Alexandria, VA; Reston, VA; Bethesda, MD;

Gaithersburg, MD; Frederick, MD; Rockville, MD

*All Divisions of this MSA are restricted, as noted below:

 

13644 Bethesda-Gaithersburg-Frederick, MD Metropolitan Division

Frederick County, Montgomery County

 

47894 Washington-Arlington-Alexandria, DC-VA-MD-WV Metropolitan Division

District of Columbia, DC; Calvert County, MD; Charles County, MD; Prince George's County, MD; Arlington County, VA; Clarke County, VA; Fairfax County, VA; Fauquier County, VA; Loudoun County, VA; Prince William County, VA; Spotsylvania County, VA; Stafford County, VA; Warren County, VA; Alexandria city, VA; Fairfax city, VA; Falls Church city, VA; Fredericksburg city, VA; Manassas city, VA; Manassas Park city, VA; Jefferson County, WV

 

48260 Weirton-Steubenville, WV-OH Metropolitan Statistical Area

Principal Cities: Weirton, WV; Steubenville, OH

Jefferson County, OH; Brooke County, WV; Hancock County, WV

 

48540 Wheeling, WV-OH Metropolitan Statistical Area

Principal City: Wheeling, WV

Belmont County, OH; Marshall County, WV; Ohio County, WV

 

48660 Wichita Falls, TX Metropolitan Statistical Area

Principal City: Wichita Falls

Archer County, Clay County, Wichita County

 

49020 Winchester, VA-WV Metropolitan Statistical Area

Principal City: Winchester, VA

Frederick County, VA; Winchester city, VA; Hampshire County, WV

 

49620 York-Hanover, PA Metropolitan Statistical Area

Principal Cities: York, Hanover

York County

 

49660 Youngstown-Warren-Boardman, OH-PA Metropolitan Statistical Area

Principal Cities: Youngstown, OH; Warren, OH; Boardman, OH Mahoning County, OH; Trumbull County, OH; Mercer County, PA