Gateway First Bank: 2025 mortgage rates, costs & approvals
How Gateway First Bank priced and approved home loans in 2025, measured against every lender in the official HMDA records.
HMDA legal name: Gateway First Bank · LEI 54930034MNPILHP25H80
In 2025, Gateway First Bank originated 6,119 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 40 states — 102nd by volume among the 2,017 lenders profiled here.
On conventional 30-year fixed purchase loans its median rate was 6.625% (all lenders: 6.625%); its median rate spread was in line with the national median. Median conventional loan costs were $4,950, 11% lower than the national median ($5,570).
It denied 3.5% of completed home-purchase applications (all lenders: 8.5%).
How Gateway First Bank priced home-purchase loans
| Purchase loans, 2025 | Gateway First Bank | All lenders |
|---|---|---|
| 30-year fixed rate · conventional | 6.625% | 6.625% |
| 30-year fixed rate · FHA | 6.500% | 6.250% |
| 30-year fixed rate · VA | 6.250% | 6.125% |
| 15-year fixed rate · conventional | 5.875% | 5.875% |
| Rate spread vs. APOR · conventional | +0.17 pts | +0.13 pts |
| Total loan costs · conventional | $4,950 | $5,570 |
| Total loan costs · FHA | $9,600 | $11,310 |
| Total loan costs · VA | $5,760 | $6,490 |
| Origination charges (all types) | $1,780 | $1,860 |
| Borrowers paying discount points | 63.6% | 51.3% |
| Points paid, when paid (% of loan) | 0.56% | 0.87% |
| Borrowers receiving lender credits | 12.9% | 33.1% |
Medians shown with at least 20 loans. A lender's numbers reflect its borrowers (credit, down payment, loan size, location) as well as its pricing; HMDA has no credit scores. Rate spread = APR minus the average prime offer rate on the lock date, which removes most of the effect of when the rate was locked.
Loan mix and borrowers
By loan type
By purpose
Why Gateway First Bank denied purchase applications
First reason the lender reported for each denied home-purchase application.
Where Gateway First Bank lends
| State | Loans | Applications | Purchase denial rate | 30-yr rate* | Loan costs* |
|---|---|---|---|---|---|
| Texas | 1,667 | 1,784 | 4.1% | 6.625% | $6,920 |
| Oklahoma | 1,196 | 1,258 | 2.2% | 6.625% | $4,770 |
| South Carolina | 507 | 528 | 3.4% | 6.625% | $4,760 |
| Kansas | 479 | 496 | 2.8% | 6.500% | $3,340 |
| Arkansas | 309 | 329 | 4.3% | 6.625% | $3,770 |
| West Virginia | 255 | 269 | 3.1% | 6.625% | $3,810 |
| New Jersey | 244 | 261 | 3.7% | 6.750% | $6,310 |
| Missouri | 211 | 234 | 7.8% | 6.875% | $2,880 |
| Florida | 142 | 159 | 7.4% | 6.625% | $6,670 |
| Colorado | 140 | 147 | 1.5% | 6.625% | $8,070 |
| North Carolina | 137 | 145 | 3.3% | 6.875% | $4,540 |
| Tennessee | 136 | 144 | 4.4% | 6.625% | $5,070 |
| Ohio | 117 | 129 | 5.0% | 6.750% | $5,050 |
| New Mexico | 116 | 124 | 4.5% | 6.500% | $4,660 |
| South Dakota | 111 | 113 | 1.1% | 6.500% | $3,560 |
| Nebraska | 62 | 63 | 0.0% | 6.500% | $3,210 |
| Nevada | 52 | 53 | 0.0% | 6.875% | $5,860 |
| Indiana | 51 | 53 | 4.3% | 6.750% | $3,280 |
| Pennsylvania | 49 | 50 | 2.3% | 6.625% | $5,070 |
| Idaho | 37 | 41 | 5.9% | 6.375% | $7,380 |
| Arizona | 16 | 18 | — | — | — |
| Virginia | 14 | 15 | — | — | — |
| Utah | 13 | 16 | — | — | — |
| Georgia | 11 | 12 | — | — | — |
| Louisiana | 6 | 6 | — | — | — |
| Alabama | 5 | 5 | — | — | — |
| Iowa | 5 | 5 | — | — | — |
| Illinois | 5 | 5 | — | — | — |
| Michigan | 4 | 4 | — | — | — |
| Washington | 3 | 4 | — | — | — |
| Kentucky | 3 | 3 | — | — | — |
| Mississippi | 3 | 3 | — | — | — |
| Oregon | 3 | 3 | — | — | — |
| Wyoming | 3 | 3 | — | — | — |
| Montana | 2 | 2 | — | — | — |
| California | 1 | 1 | — | — | — |
| District of Columbia | 1 | 1 | — | — | — |
| Delaware | 1 | 1 | — | — | — |
| Maryland | 1 | 1 | — | — | — |
| Minnesota | 1 | 1 | — | — | — |
*Conventional home-purchase loans, medians with at least 20 loans. Linked state names open Gateway First Bank's page for that state.
Counties where Gateway First Bank is a top lender
| County | Rank | Loans | Market share |
|---|---|---|---|
| Pontotoc County, OK | 1 | 81 | 20.6% |
| Garfield County, OK | 1 | 123 | 19.2% |
| Zapata County, TX | 1 | 7 | 17.1% |
| Alfalfa County, OK | 2 | 3 | 16.7% |
| Boone County, WV | 1 | 17 | 16.2% |
| Marion County, KS | 1 | 18 | 15.0% |
| Pettis County, MO | 1 | 76 | 12.4% |
| Major County, OK | 2 | 5 | 11.1% |
| Harper County, OK | 3 | 1 | 11.1% |
| McPherson County, KS | 3 | 32 | 10.8% |
| Matagorda County, TX | 1 | 31 | 10.6% |
| Otero County, NM | 3 | 79 | 10.5% |
| Maverick County, TX | 2 | 32 | 10.0% |
| Butte County, SD | 3 | 14 | 9.2% |
| Woods County, OK | 4 | 4 | 9.1% |
Check Gateway First Bank yourself
- FFIEC HMDA Data Browser — the official 2025 records filed under LEI 54930034MNPILHP25H80.
- NMLS Consumer Access — confirm the company and loan officer are licensed in your state.
- CFPB Consumer Complaint Database — search complaints by company name.
- Compare your Loan Estimate from Gateway First Bank with similar 2025 loans.
This is a statistical profile, not a review or recommendation. HMDA data alone cannot show whether a lender complies with fair-lending laws, and a lender's medians depend on the borrowers it serves.
Lenders of similar size
Source: FFIEC/CFPB HMDA 2025 public LAR and filer list. Core segment: owner-occupied, single-family site-built, first-lien, closed-end purchase and refinance loans. Methodology