# Gateway First Bank

> **Canonical URL:** https://saferate.com/lenders/gateway-first-bank


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


Gateway First Bank is a bank, headquartered in Jenks, OK, serving borrowers across 38 states, with 6,766 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 71% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 21% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 54930034MNPILHP25H80
- **Headquarters:** Jenks, OK
- **Geographic Reach:** Near-National
- **States Served:** 38
- **State List:** AL, AR, AZ, CO, DE, FL, GA, IA, ID, IL, IN, KS, KY, LA, MD, MI, MN, MO, MT, NC, NE, NJ, NM, NV, OH, OK, OR, PA, SC, SD, TN, TX, UT, VA, WA, WI, WV, WY
- **Markets (MSAs):** 50
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 98.1%
- **Brokered/Wholesale:** 1.9%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 29/100
- Rating: ●●○○○ (2/5)

### Pull Through: Strong 😀
- Score: 79/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.453%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,832
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 6,766
- **Dollar Volume:** $1.9 billion
- **Applications Received:** 9,472
- **Market Share:** 19.00%

## Typical Borrower Profile

- **Average Loan Amount:** $287,207
- **Average Borrower Income:** $126,729
- **Average Property Value:** $357,048

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (62%)
- ⭐ **FHA Gold Superstar** (62%)
- ⭐ **VA Gold Superstar** (70%)
- ⭐ **USDA Gold Superstar** (62%)
- ⭐ **Purchase Gold Superstar** (62%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 88/100 | 3,928 | +0.450% | $2,843 | Exceptional 🤩 |
| FHA | 88/100 | 1,930 | +0.659% | $3,009 | Exceptional 🤩 |
| VA | 84/100 | 750 | -0.208% | $2,303 | Exceptional 🤩 |
| Jumbo | 49/100 | 30 | +0.655% | $2,110 | Sound ☺️ |
| USDA | 87/100 | 128 | +0.590% | $1,958 | Exceptional 🤩 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 3,279 loans, Score: 88/100 (Exceptional)
- Refinance: 649 loans, Score: 76/100 (Strong)

**FHA:**
- Purchase: 1,832 loans, Score: 88/100 (Exceptional)
- Refinance: 98 loans, Score: 78/100 (Strong)

**VA:**
- Purchase: 703 loans, Score: 84/100 (Exceptional)
- Refinance: 47 loans, Score: 79/100 (Strong)

**Jumbo:**
- Purchase: 20 loans, Score: 46/100 (Sound)

**USDA:**
- Purchase: 127 loans, Score: 87/100 (Exceptional)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 88/100 | 5,961 | $1.7B | +0.452% | Exceptional 🤩 |
| Refinance | 78/100 | 805 | $260M | +0.463% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| TX | 2,008 | 0.57% | 85/100 |
| OK | 1,085 | 2.63% | 89/100 |
| NJ | 541 | 0.63% | 80/100 |
| SC | 507 | 0.63% | 81/100 |
| KS | 331 | 1.11% | 81/100 |
| WV | 270 | 1.75% | 82/100 |
| MO | 241 | 0.32% | 67/100 |
| AR | 237 | 0.74% | 71/100 |
| NE | 174 | 0.81% | 70/100 |
| TN | 151 | 0.17% | 63/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 1,132 | 77/100 |
| Houston | TX | 586 | 80/100 |
| Oklahoma City, OK | OK | 505 | 89/100 |
| San Antonio | TX | 285 | 74/100 |
| Fort Worth | TX | 256 | 78/100 |
| Dallas | TX | 251 | 71/100 |
| Wichita, KS | KS | 245 | 83/100 |
| Tulsa, OK | OK | 218 | 74/100 |
| Camden, NJ | NJ | 213 | 77/100 |
| Fayetteville | AR | 185 | 75/100 |
| Myrtle Beach | SC | 169 | 78/100 |
| Hilton Head Island | SC | 164 | 84/100 |
| Charleston, WV | WV | 153 | 98/100 |
| Lakewood | NJ | 123 | 68/100 |
| Enid, OK | OK | 90 | 100/100 |

## Where This Lender Ranks

Gateway First Bank appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Wichita, KS for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/wichita-ks/best-mortgage-lenders/banks/va-loans)
- 🥇 **#1** in Camden, NJ for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/camden-nj/best-mortgage-lenders/banks/va-loans)
- 🥇 **#1** in Myrtle Beach for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/myrtle-beach/best-mortgage-lenders/banks/va-loans)
- 🥇 **#1** in Charleston, WV for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/charleston-wv/best-mortgage-lenders/banks/va-loans)
- 🥇 **#1** in Charleston, WV for USDA Loans
  - [View Full Rankings](https://saferate.com/charleston-wv/best-mortgage-lenders/usda-loans)
- 🥇 **#1** in Knoxville, TN for USDA Loans (Banks)
  - [View Full Rankings](https://saferate.com/knoxville-tn/best-mortgage-lenders/banks/usda-loans)
- 🥇 **#1** in Corpus Christi, TX for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/corpus-christi-tx/best-mortgage-lenders/banks/va-loans)
- 🥇 **#1** in Huntington for USDA Loans (Banks)
  - [View Full Rankings](https://saferate.com/huntington/best-mortgage-lenders/banks/usda-loans)
- 🥇 **#1** in Yuma, AZ for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/yuma-az/best-mortgage-lenders/banks/va-loans)
- 🥈 **#2** in Hilton Head Island for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/hilton-head-island/best-mortgage-lenders/banks/va-loans)
- 🥈 **#2** in Enid, OK
  - [View Full Rankings](https://saferate.com/enid-ok/best-mortgage-lenders)
- 🥈 **#2** in Enid, OK for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/enid-ok/best-mortgage-lenders/banks/conventional-loans)
- 🥈 **#2** in Enid, OK for FHA Loans
  - [View Full Rankings](https://saferate.com/enid-ok/best-mortgage-lenders/fha-loans)
- 🥈 **#2** in Enid, OK for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/enid-ok/best-mortgage-lenders/banks/fha-loans)
- 🥈 **#2** in Enid, OK for VA Loans
  - [View Full Rankings](https://saferate.com/enid-ok/best-mortgage-lenders/va-loans)
- 🥈 **#2** in Enid, OK for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/enid-ok/best-mortgage-lenders/banks/va-loans)
- 🥈 **#2** in Sumter, SC for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/sumter-sc/best-mortgage-lenders/banks/conventional-loans)
- 🥈 **#2** in Sumter, SC for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/sumter-sc/best-mortgage-lenders/banks/fha-loans)
- 🥈 **#2** in Sumter, SC for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/sumter-sc/best-mortgage-lenders/banks/va-loans)
- 🥈 **#2** in Greeley, CO for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/greeley-co/best-mortgage-lenders/banks/va-loans)

## Frequently Asked Questions

### What loan types does Gateway First Bank offer?

Gateway First Bank offers the following mortgage loan types: FHA, Conventional, VA, Jumbo, USDA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Gateway First Bank offer mortgages?

Gateway First Bank offers mortgages in 38 states: AL, AR, AZ, CO, DE, FL, GA, IA, ID, IL, IN, KS, KY, LA, MD, MI, MN, MO, MT, NC, NE, NJ, NM, NV, OH, OK, OR, PA, SC, SD, TN, TX, UT, VA, WA, WI, WV, WY.

### How competitive are Gateway First Bank's mortgage rates?

Gateway First Bank has a pricing score of 29/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.453% above market average.

### What type of lender is Gateway First Bank?

Gateway First Bank is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Jenks, OK.

### What is Gateway First Bank's loan approval success rate?

Gateway First Bank has a pull-through score of 79/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/gateway-first-bank

### How to Cite

> "Gateway First Bank Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/gateway-first-bank

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