Lender profile · HMDA 2023–2025
Gateway First Bank mortgage approval rates & lending data
Gateway First Bank decided 20,072 mortgage applications and funded 18,658 loans across the 616 counties Fat Boy Data covers, 2023–2025.
Approval 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 |
Covers the 616 counties in the Fat Boy Data footprint, which is 79.6% of the US population — not every county in each state. Methodology.