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 score and performance metrics.

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 an overall pricing score of 28.5/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Gateway First Bank?

Gateway First Bank is a Bank headquartered in Jenks, OK.

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Gateway First Bank

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We analyzed every closed loan from Gateway First Bank — 6.8k loans across 9k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Acceptable

2/5

vs. all lenders

Pull-through

Strong

4/5

closing strength

Product

Exceptional

5/5

FHA · Conventional · VA · Jumbo · USDA

Place

Strong

4/5

Near-National · 49 mkts

Awards

Conventional

Superstar

FHA

Superstar

USDA

Superstar

Purchase

Superstar

Summary

What They Do Well

Strong pull through performance
Particularly strong in Conventional and FHA and VA and USDA loans
Nationwide availability with consistent service

Things to Think About

Pricing may be below industry average

Explore another lender or local market

Report Card

Gateway First Bank performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Acceptable

+45.3 bps above market avg

Pull Through

Closing strength

Strong

Top 40% of lenders

By Loan Product· Specialization by type

Conventional

Exceptional

Top 20% of lenders

FHA

Exceptional

Top 20% of lenders

Exceptional

Top 20% of lenders

Jumbo

Sound

Top 60% of lenders

USDA

Exceptional

Top 20% of lenders

By Loan Purpose· Transaction purpose mix

Purchase

Exceptional

Top 20% of lenders

Refinance

Strong

Top 40% of lenders

By Location· Geographic coverage

Geographic Reach

Near-National · 50 markets

Strong

Top 40% of lenders

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Strong	Exceptional	Acceptable	Strong	3,928	58.1%	+0.450%Above	$2,843Fees
FHA Loans	Strong	Exceptional	Acceptable	Strong	1,930	28.5%	+0.659%Above	$3,009Fees
VA Loans	Strong	Exceptional	Sound	Strong	750	11.1%	-0.208%Below	$2,303Fees
Jumbo Loans	Acceptable	Sound	Mediocre	Acceptable	30	0.4%	+0.655%Above	$2,110Fees
USDA Loans	Strong	Exceptional	Acceptable	Strong	128	1.9%	+0.590%Above	$1,958Fees

Conventional

Overall

Strong

Product

Exceptional

Pricing

Acceptable

Pull Through

Strong

Volume3,928

Mix58.1%

Spread

+0.450%Above

Fees

$2,843Fees

FHA Loans

Overall

Strong

Product

Exceptional

Pricing

Acceptable

Pull Through

Strong

Volume1,930

Mix28.5%

Spread

+0.659%Above

Fees

$3,009Fees

VA Loans

Overall

Strong

Product

Exceptional

Pricing

Sound

Pull Through

Strong

Volume750

Mix11.1%

Spread

-0.208%Below

Fees

$2,303Fees

Jumbo Loans

Overall

Acceptable

Product

Sound

Pricing

Mediocre

Pull Through

Acceptable

Volume30

Mix0.4%

Spread

+0.655%Above

Fees

$2,110Fees

USDA Loans

Overall

Strong

Product

Exceptional

Pricing

Acceptable

Pull Through

Strong

Volume128

Mix1.9%

Spread

+0.590%Above

Fees

$1,958Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Strong	Exceptional	Acceptable	Strong	5,961	88.1%	+0.452%Above	$2,764Fees
Refinance	Sound	Strong	Acceptable	Sound	805	11.9%	+0.463%Above	$3,219Fees

Purchase

Overall

Strong

Product

Exceptional

Pricing

Acceptable

Pull Through

Strong

Volume5,961

Mix88.1%

Spread

+0.452%Above

Fees

$2,764Fees

Refinance

Overall

Sound

Product

Strong

Pricing

Acceptable

Pull Through

Sound

Volume805

Mix11.9%

Spread

+0.463%Above

Fees

$3,219Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

6,766

Applications

9,472

Volume

$1 billion

Pricing & Closing

Avg Rate Spread

+0.453%

vs. market APOR

Avg Net Fees

$2,832

Origination − Credits

Pullthrough Rate

71.4%

Applications → Closed

Typical Borrower

Avg Loan Amount

$287,207

Avg Borrower Income

$126,729

Avg Property Value

$357,048

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

Northeast2

NJPA

Midwest11

IAILINKSMIMNMONEOHSDWI

South15

ALARDEFLGAKYLAMDNCOKSCTNTXVAWV

West10

AZCOIDMTNMNVORUTWAWY

Top Metro Areas by Place Specialization Score

1© Kiddo27 · CC BY-SA 4.0

Enid, OKMetro

Volume 90Mix 1.33% of portfolio

100/100

Exceptional

2© WeaponizingArchitecture · CC BY-SA 4.0

Charleston, WVMetro

Volume 153Mix 2.26% of portfolio

98/100

Exceptional

3© MARELBU · CC BY 3.0

Oklahoma City, OKMetro

Volume 505Mix 7.46% of portfolio

89/100

Exceptional

Hilton Head Island, SCMetro

Volume 164Mix 2.42% of portfolio

84/100

Exceptional

Sumter, SCMetro

Volume 78Mix 1.15% of portfolio

84/100

Exceptional

Wichita, KSMetro

Volume 245Mix 3.62% of portfolio

83/100

Exceptional

Houston, TXMetro

Volume 586Mix 8.66% of portfolio

80/100

Strong

Myrtle Beach, SCMetro

Volume 169Mix 2.50% of portfolio

78/100

Strong

Fort Worth, TXMetro

Volume 256Mix 3.78% of portfolio

78/100

Strong

Camden, NJMetro

Volume 213Mix 3.15% of portfolio

77/100

Strong

Showing 10 of 49 metro areas

Top States by Place Specialization Score

OklahomaState

Volume 1,085Mix 16.04% of portfolio

89/100

Exceptional

TexasState

Volume 2,008Mix 29.68% of portfolio

85/100

Exceptional

West VirginiaState

Volume 270Mix 3.99% of portfolio

82/100

Exceptional

KansasState

Volume 331Mix 4.89% of portfolio

81/100

Exceptional

South CarolinaState

Volume 507Mix 7.49% of portfolio

81/100

Exceptional

New JerseyState

Volume 541Mix 8.00% of portfolio

80/100

Strong

ArkansasState

Volume 237Mix 3.50% of portfolio

71/100

Strong

NebraskaState

Volume 174Mix 2.57% of portfolio

70/100

Strong

New MexicoState

Volume 124Mix 1.83% of portfolio

68/100

Strong

MissouriState

Volume 241Mix 3.56% of portfolio

67/100

Strong

Showing 10 of 25 states

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts

Pricing

Rate and fee competitiveness (33%)

10/ 30 pts

Pull Through

Reliability in closing loans (33%)

10/ 30 pts

Product

Specialization in the loan type (33%)

💎

Champion(80%+ = 24-30 points)

⭐

Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.