Key takeaway: Residential infill construction, which is growing in importance as the nation's housing stock ages, could be the tool Gateway Bank in Oakland, California, needs to complete its turnaround effort. Residential infill construction, which is growing in importance as the nation's housing stock ages, could be the tool Gateway Bank in Oakland, California, needs to complete its turnaround effort. — Gateway Bank CEO Mukhtar AliGateway Bank in Oakland, California, is nearing the finish line of a long-running turnaround. Strong demand for the newly built homes tends to lessen the lenders' risk, though the construction loans are still considered speculative. The builders that specialize in infill construction are also smaller, so they're more likely to turn to banks for financing.