Lender in West Virginia · HMDA 2025
Gateway First Bank mortgages in West Virginia
Gateway First Bank's 2025 home-purchase and refinance lending in West Virginia, compared with all lenders in the state.
Gateway First Bank originated 255 owner-occupied single-family loans in West Virginia from 269 completed applications, making it the state's #15 lender by volume.
Its median conventional purchase loan costs were $3,810 versus $4,280 for all West Virginia lenders, at a median 30-year fixed rate of 6.625% (West Virginia: 6.624%).
Loans in WV
255
of 269 applications
Denial rate
3.1%
Purchase · WV 9.4%
Rate spread
+0.31 pts
Conv. · WV +0.16 pts
Loan amount
$175,000
Purchase · WV $225,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 255 | 243 | 3.1% | 6.625% | +0.31 pts | $3,810 | $175,000 |
| Refinance | 4 | 3 | — | — | — | — | — |
| Cash-out refinance | 10 | 9 | — | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
West Virginia counties where Gateway First Bank ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Boone County | 1 | 17 | 16.2% |
| Kanawha County | 4 | 132 | 7.7% |
| Putnam County | 6 | 34 | 4.6% |
| Logan County | 6 | 4 | 2.5% |
| Jackson County | 8 | 10 | 4.6% |
| Ritchie County | 8 | 1 | 3.3% |
| Nicholas County | 9 | 4 | 2.8% |
| Roane County | 10 | 1 | 1.3% |
| Marshall County | 12 | 7 | 2.7% |
| Braxton County | 12 | 1 | 1.8% |
| Cabell County | 17 | 13 | 1.5% |
| Fayette County | 17 | 3 | 1.2% |
| Mason County | 17 | 2 | 1.2% |
| Wetzel County | 17 | 1 | 0.9% |
| Lincoln County | 18 | 1 | 1.4% |
| Hancock County | 19 | 2 | 0.7% |
| Raleigh County | 20 | 8 | 1.1% |
| Ohio County | 20 | 3 | 0.9% |
| Randolph County | 25 | 1 | 0.7% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology