Gateway First Bank mortgage approval rate & lending review
Gateway First Bank decided 20,072 mortgage applications and funded 18,658 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Gateway First Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Gateway First Bank at a glance
Approval is 8.0 points above the 85.7% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 96% | 15,688 / 16,417 | 99% | $245K | 15,576 |
| Home improvement loans | 82% | 54 / 66 | 100% | $45K | 54 |
| Cash-out refinance | 72% | 768 / 1,062 | 98% | $245K | 755 |
| Refinance | 88% | 1,075 / 1,218 | 100% | $335K | 1,071 |
| Investment property purchase | 96% | 1,011 / 1,052 | 99% | $205K | 1,004 |
| Investment cash-out refinance | 67% | 95 / 141 | 100% | $155K | 95 |
| Investment refinance | 90% | 101 / 112 | 99% | $175K | 100 |
Gateway First Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Texas | 93% | $245K | 7,104 | 6,543 |
| Oklahoma | 96% | $215K | 2,340 | 2,235 |
| New Jersey | 93% | $235K | 2,061 | 1,905 |
| South Carolina | 95% | $255K | 1,604 | 1,517 |
| Arkansas | 94% | $265K | 1,024 | 955 |
| Florida | 92% | $195K | 721 | 662 |
| Kansas | 96% | $235K | 699 | 668 |
| Colorado | 96% | $395K | 462 | 442 |
| West Virginia | 95% | $155K | 451 | 426 |
| North Carolina | 95% | $255K | 429 | 407 |
| Ohio | 94% | $205K | 376 | 350 |
| South Dakota | 93% | $255K | 337 | 315 |
| Arizona | 89% | $285K | 318 | 280 |
| Missouri | 96% | $165K | 255 | 242 |
| Tennessee | 93% | $305K | 251 | 233 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Gateway First Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Harris County, TX | Mortgage lenders | 96% | 916 | 859 |
| Bexar County, TX | Mortgage lenders | 95% | 893 | 846 |
| Oklahoma County, OK | Mortgage lenders | 98% | 730 | 709 |
| Tarrant County, TX | Mortgage lenders | 97% | 584 | 562 |
| Sedgwick County, KS | Mortgage lenders | 97% | 560 | 539 |
| Brazoria County, TX | Mortgage lenders | 98% | 534 | 523 |
| Tulsa County, OK | Mortgage lenders | 97% | 525 | 507 |
| Cleveland County, OK | Mortgage lenders | 98% | 447 | 433 |
| Beaufort County, SC | Mortgage lenders | 95% | 424 | 404 |
| Kanawha County, WV | Mortgage lenders | 96% | 411 | 391 |
| Horry County, SC | Mortgage lenders | 96% | 338 | 323 |
| Galveston County, TX | Mortgage lenders | 98% | 316 | 306 |
The county markets where Gateway First Bank made the most loans. Each link opens that market with every lender ranked.
Questions about Gateway First Bank
What is Gateway First Bank's mortgage approval rate?
Gateway First Bank approved 93.6% of the 20,072 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 8.0 points above the 85.7% national rate for the same mix of loan types.
How often do borrowers take the loan Gateway First Bank offers?
Borrowers accepted 99% of the loans Gateway First Bank approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Gateway First Bank make?
The typical home purchase mortgage loan Gateway First Bank made was $245K; across all loan types its typical loan ran from $45K to $335K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Gateway First Bank lend?
Gateway First Bank decided applications in 42 of the states Fat Boy Data covers, most of them in Texas, Oklahoma and New Jersey.
Can I apply to Gateway First Bank directly?
Yes. Gateway First Bank is a bank or credit union with 15 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Gateway First Bank's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Gateway First Bank treats applications, then get a rate quote from the lender.