Gateway First Bank Mortgage Rates, Fees & Info

OKLAHOMA CITY, OK

LEI: 54930034MNPILHP25H80

Tax ID: 73-1577221

4.8 stars - out of 5 stars, based on 190 reviews

2021 Data | 2020 Data | 2019 Data | 2018 Data


Overview

Gateway First Bank is a large bank specializing in Home Purchase and Refi loans. Gateway First Bank has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets include Dallas, Houston, San Antonio, New York, and Oklahoma City among others. Gateway First Bank has an above average approval rate for mortages when compared nationally. They have a below average pick rate when compared to the same sample of other lendors. Gateway First Bank is typically an average fee lendor.


Originations

35,919

Origination Dollar Volume (All Markets)

$8,253,275,000

Employee count

1,629 Show all (157) awards

Relative Rate

Gateway First Bank's average 30 year fixed rate mortgage of loans were 3.21%.

The 2021 average 30 year fixed rate mortgage across all markets of loans were 3.15%.

This yields a difference of 0.06%.

Relative Fees

Gateway First Bank's average total fees for a 30 year fixed rate mortgage are $4,742.

The average total origination fees for 30 year fixed rate mortgages (for all loan values, including both points & up-front fees in addition to origination fees) are $4,750.

Top Markets

Market Originations Total Value Average Loan Average Fees Average Rate
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 3,166 $795,830,000 $251,368 $5,022 3.01%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 3,231 $714,495,000 $221,137 $4,995 2.94%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 1,580 $353,010,000 $223,424 $5,290 2.83%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 984 $316,410,000 $321,555 $5,237 2.90%
OKLAHOMA CITY, OK (FHA|USDA|VA) 1,446 $310,780,000 $214,924 $3,881 3.15%
Outside of Metro Areas 1,451 $285,175,000 $196,537 $3,984 3.10%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 1,353 $276,895,000 $204,653 $4,163 2.73%
TULSA, OK (FHA|USDA|VA) 1,086 $239,640,000 $220,663 $4,046 3.09%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 797 $186,115,000 $233,519 $3,186 2.99%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 532 $162,990,000 $306,372 $6,294 3.05%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 555 $157,065,000 $283,000 $3,737 3.06%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 448 $156,050,000 $348,326 $4,744 3.06%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 620 $147,540,000 $237,968 $4,532 2.97%
BOISE CITY, ID (FHA|USDA|VA) 425 $135,795,000 $319,518 $5,380 3.23%
SALT LAKE CITY, UT (FHA|USDA|VA) 403 $124,045,000 $307,804 $5,003 3.21%
SANTA FE, NM (FHA|USDA|VA) 343 $116,885,000 $340,773 $3,944 3.20%
FORT COLLINS, CO (FHA|USDA|VA) 326 $113,560,000 $348,344 $4,103 3.02%
KNOXVILLE, TN (FHA|USDA|VA) 460 $109,130,000 $237,239 $3,864 3.12%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 290 $100,460,000 $346,414 $4,069 3.03%
RAPID CITY, SD (FHA|USDA|VA) 447 $98,535,000 $220,436 $3,908 2.89%
WICHITA, KS (FHA|USDA|VA) 472 $94,750,000 $200,742 $3,262 3.07%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 428 $94,670,000 $221,192 $2,349 2.75%
GREELEY, CO (FHA|USDA|VA) 292 $90,720,000 $310,685 $4,558 2.90%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 383 $87,385,000 $228,159 $5,382 2.90%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 403 $86,145,000 $213,759 $3,376 3.09%
BATON ROUGE, LA (FHA|USDA|VA) 574 $76,600,000 $133,449 $3,113 2.08%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 341 $73,225,000 $214,736 $3,000 2.97%
JACKSONVILLE, FL (FHA|USDA|VA) 318 $68,130,000 $214,245 $4,384 2.71%
BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 301 $65,915,000 $218,987 $5,584 3.19%
CHARLESTON, WV (FHA|USDA|VA) 418 $65,090,000 $155,718 $3,460 3.18%
SAN ANGELO, TX (FHA|USDA|VA) 329 $64,215,000 $195,182 $4,628 2.97%
PROVO-OREM, UT (FHA|USDA|VA) 187 $60,595,000 $324,037 $4,520 3.26%
MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 306 $56,810,000 $185,654 $4,876 3.22%
SUMTER, SC (FHA|USDA|VA) 286 $46,550,000 $162,762 $3,979 2.85%
Durant, OK (FHA|USDA|VA) 236 $45,280,000 $191,864 $4,724 3.37%
Georgetown, SC (FHA|USDA|VA) 148 $39,220,000 $265,000 $3,531 3.05%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 184 $38,840,000 $211,087 $3,468 3.03%
TYLER, TX (FHA|USDA|VA) 219 $38,725,000 $176,826 $4,940 2.86%
MIDLAND, TX (FHA|USDA|VA) 172 $38,210,000 $222,151 $5,575 3.07%
Los Alamos, NM (FHA|USDA|VA) 116 $37,030,000 $319,224 $4,389 2.94%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 126 $36,530,000 $289,921 $4,749 3.14%
Cullman, AL (FHA|USDA|VA) 189 $35,785,000 $189,339 $3,019 2.89%
Alamogordo, NM (FHA|USDA|VA) 206 $34,730,000 $168,592 $4,263 3.19%
LUBBOCK, TX (FHA|USDA|VA) 187 $34,135,000 $182,540 $4,257 3.00%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 132 $33,460,000 $253,485 $3,377 3.04%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 112 $32,870,000 $293,482 $3,840 3.14%
ODESSA, TX (FHA|USDA|VA) 167 $32,155,000 $192,545 $5,686 3.14%
RENO, NV (FHA|USDA|VA) 104 $32,120,000 $308,846 $6,242 3.31%
HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) 160 $31,900,000 $199,375 $3,580 3.11%
ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) 152 $31,860,000 $209,605 $4,605 2.74%
OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 108 $31,750,000 $293,981 $4,460 3.24%
YUMA, AZ (FHA|USDA|VA) 153 $31,735,000 $207,418 $4,239 3.03%
ENID, OK (FHA|USDA|VA) 197 $31,395,000 $159,365 $3,042 3.14%
LAS CRUCES, NM (FHA|USDA|VA) 176 $30,330,000 $172,330 $3,858 3.31%
ALBUQUERQUE, NM (FHA|USDA|VA) 115 $29,935,000 $260,304 $4,159 3.17%
CORPUS CHRISTI, TX (FHA|USDA|VA) 142 $29,280,000 $206,197 $5,341 3.18%
Ada, OK (FHA|USDA|VA) 183 $29,255,000 $159,863 $3,354 3.13%
ABILENE, TX (FHA|USDA|VA) 142 $28,950,000 $203,873 $5,282 3.10%
VINELAND-BRIDGETON, NJ (FHA|USDA|VA) 207 $28,915,000 $139,686 $3,776 2.50%
NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN (FHA|USDA|VA) 97 $28,885,000 $297,784 $3,442 2.99%
Spearfish, SD (FHA|USDA|VA) 109 $28,435,000 $260,872 $3,730 3.03%
IDAHO FALLS, ID (FHA|USDA|VA) 118 $28,310,000 $239,915 $5,050 3.05%
Granbury, TX (FHA|USDA|VA) 114 $27,810,000 $243,947 $5,673 3.15%
Bay City, TX (FHA|USDA|VA) 138 $25,830,000 $187,174 $4,477 3.13%
JOPLIN, MO (FHA|USDA|VA) 147 $24,585,000 $167,245 $2,637 3.15%
DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 116 $24,460,000 $210,862 $3,078 2.73%
SPRINGFIELD, MO (FHA|USDA|VA) 104 $24,130,000 $232,019 $2,744 2.82%
GRAND ISLAND, NE (FHA|USDA|VA) 151 $24,085,000 $159,503 $3,046 2.71%
Greeneville, TN (FHA|USDA|VA) 125 $23,735,000 $189,880 $3,718 3.15%
LAWTON, OK (FHA|USDA|VA) 140 $23,540,000 $168,143 $3,710 3.17%
Sevierville, TN (FHA|USDA|VA) 72 $22,470,000 $312,083 $3,775 3.36%
WACO, TX (FHA|USDA|VA) 96 $22,230,000 $231,563 $4,749 3.02%
Sheridan, WY (FHA|USDA|VA) 79 $21,145,000 $267,658 $3,509 3.16%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 96 $19,850,000 $206,771 $4,298 3.15%
Ardmore, OK (FHA|USDA|VA) 120 $19,690,000 $164,083 $3,748 3.32%
COLUMBUS, OH (FHA|USDA|VA) 85 $19,025,000 $223,824 $4,114 3.15%
HAMMOND, LA (FHA|USDA|VA) 119 $18,545,000 $155,840 $3,193 2.55%
LAREDO, TX (FHA|USDA|VA) 98 $18,350,000 $187,245 $5,334 2.81%
PITTSBURGH, PA (FHA|USDA|VA) 86 $18,250,000 $212,209 $4,227 3.21%
BEND, OR (FHA|USDA|VA) 54 $17,940,000 $332,222 $5,310 3.13%
Sedalia, MO (FHA|USDA|VA) 123 $17,305,000 $140,691 $2,552 3.16%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 45 $17,125,000 $380,556 $5,390 3.02%
READING, PA (FHA|USDA|VA) 86 $17,060,000 $198,372 $3,902 3.07%
FORT SMITH, AR-OK (FHA|USDA|VA) 98 $16,840,000 $171,837 $3,080 3.05%
KANSAS CITY, MO-KS (FHA|USDA|VA) 73 $16,435,000 $225,137 $2,833 3.17%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 37 $15,575,000 $420,946 $5,823 3.04%
BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) 87 $14,825,000 $170,402 $4,657 3.13%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 51 $14,805,000 $290,294 $4,584 3.15%
Athens, TX (FHA|USDA|VA) 56 $14,700,000 $262,500 $5,064 3.06%
PORT ST. LUCIE, FL (FHA|USDA|VA) 74 $14,560,000 $196,757 $3,820 2.98%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 48 $14,500,000 $302,083 $3,703 3.19%
LONGVIEW, TX (FHA|USDA|VA) 78 $13,830,000 $177,308 $4,799 3.08%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 81 $13,405,000 $165,494 $3,162 2.43%
LAKE CHARLES, LA (FHA|USDA|VA) 60 $13,130,000 $218,833 $5,197 2.73%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 46 $12,900,000 $280,435 $4,668 3.10%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 47 $12,205,000 $259,681 $4,172 3.03%
McPherson, KS (FHA|USDA|VA) 81 $12,005,000 $148,210 $2,792 3.12%
SHERMAN-DENISON, TX (FHA|USDA|VA) 55 $11,635,000 $211,545 $4,906 3.01%
WILMINGTON, NC (FHA|USDA|VA) 46 $11,350,000 $246,739 $3,276 3.15%
TRENTON-PRINCETON, NJ (FHA|USDA|VA) 59 $11,175,000 $189,407 $4,087 2.57%
HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 54 $11,100,000 $205,556 $3,932 3.12%
COLORADO SPRINGS, CO (FHA|USDA|VA) 34 $11,050,000 $325,000 $5,488 2.74%
LONGVIEW, WA (FHA|USDA|VA) 45 $10,725,000 $238,333 $3,950 2.83%
DAYTON-KETTERING, OH (FHA|USDA|VA) 61 $10,495,000 $172,049 $5,077 3.32%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 36 $10,420,000 $289,444 $5,427 2.94%
BOULDER, CO (FHA|USDA|VA) 30 $10,360,000 $345,333 $3,437 3.10%
EL PASO, TX (FHA|USDA|VA) 48 $9,910,000 $206,458 $4,462 2.66%
Carlsbad-Artesia, NM (FHA|USDA|VA) 46 $9,680,000 $210,435 $5,747 3.29%
OCEAN CITY, NJ (FHA|USDA|VA) 35 $9,255,000 $264,429 $3,597 3.03%
COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 37 $9,215,000 $249,054 $5,052 3.05%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 26 $8,940,000 $343,846 $6,771 3.31%
MANSFIELD, OH (FHA|USDA|VA) 60 $8,910,000 $148,500 $3,416 3.27%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 35 $8,775,000 $250,714 $3,921 2.99%
Athens, TN (FHA|USDA|VA) 49 $8,625,000 $176,020 $3,616 3.14%
Rockport, TX (FHA|USDA|VA) 35 $8,505,000 $243,000 $4,558 3.12%
CASPER, WY (FHA|USDA|VA) 35 $8,255,000 $235,857 $2,914 3.06%
Shawnee, OK (FHA|USDA|VA) 43 $8,205,000 $190,814 $3,885 3.19%
El Campo, TX (FHA|USDA|VA) 42 $8,040,000 $191,429 $5,105 3.26%
Lawrenceburg, TN (FHA|USDA|VA) 39 $7,905,000 $202,692 $2,675 2.89%
ST. GEORGE, UT (FHA|USDA|VA) 22 $7,900,000 $359,091 $4,597 3.05%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 37 $7,835,000 $211,757 $3,571 3.00%
Española, NM (FHA|USDA|VA) 27 $7,725,000 $286,111 $5,545 3.24%
Eagle Pass, TX (FHA|USDA|VA) 53 $7,705,000 $145,377 $4,180 2.42%
Corsicana, TX (FHA|USDA|VA) 31 $7,065,000 $227,903 $4,699 3.06%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 27 $6,655,000 $246,481 $4,236 3.26%
AMARILLO, TX (FHA|USDA|VA) 38 $6,500,000 $171,053 $4,325 2.65%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 32 $6,450,000 $201,563 $4,109 2.84%
LINCOLN, NE (FHA|USDA|VA) 31 $6,375,000 $205,645 $2,133 2.69%
JACKSONVILLE, NC (FHA|USDA|VA) 36 $6,190,000 $171,944 $3,361 3.21%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 13 $5,865,000 $451,154 $5,549 3.23%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 16 $5,530,000 $345,625 $5,334 3.40%
MORRISTOWN, TN (FHA|USDA|VA) 30 $5,490,000 $183,000 $3,840 3.33%
Gillette, WY (FHA|USDA|VA) 25 $5,215,000 $208,600 $2,954 3.05%
Heber, UT (FHA|USDA|VA) 10 $5,190,000 $519,000 $4,335 2.95%
Blackfoot, ID (FHA|USDA|VA) 22 $5,190,000 $235,909 $5,967 3.22%
COLUMBIA, SC (FHA|USDA|VA) 23 $5,005,000 $217,609 $2,963 2.96%
JOHNSON CITY, TN (FHA|USDA|VA) 25 $4,905,000 $196,200 $3,452 3.07%
Mineral Wells, TX (FHA|USDA|VA) 26 $4,860,000 $186,923 $4,930 2.93%
Altus, OK (FHA|USDA|VA) 35 $4,665,000 $133,286 $3,747 3.18%
TWIN FALLS, ID (FHA|USDA|VA) 20 $4,610,000 $230,500 $6,411 3.55%
SAVANNAH, GA (FHA|USDA|VA) 15 $4,545,000 $303,000 $3,238 3.11%
Jacksonville, TX (FHA|USDA|VA) 25 $4,365,000 $174,600 $4,642 3.06%
Bartlesville, OK (FHA|USDA|VA) 21 $4,155,000 $197,857 $3,670 3.27%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 11 $4,115,000 $374,091 $3,550 3.49%
TEXARKANA, TX-AR (FHA|USDA|VA) 22 $3,950,000 $179,545 $4,077 2.91%
TUCSON, AZ (FHA|USDA|VA) 21 $3,935,000 $187,381 $3,475 2.95%
AKRON, OH (FHA|USDA|VA) 24 $3,900,000 $162,500 $3,059 3.12%
RALEIGH-CARY, NC (FHA|USDA|VA) 13 $3,785,000 $291,154 $4,193 3.14%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 15 $3,625,000 $241,667 $4,077 3.12%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 11 $3,575,000 $325,000 $6,281 2.99%
Ontario, OR-ID (FHA|USDA|VA) 11 $3,535,000 $321,364 $5,292 3.11%
BECKLEY, WV (FHA|USDA|VA) 23 $3,535,000 $153,696 $3,982 3.36%
Warrensburg, MO (FHA|USDA|VA) 14 $3,520,000 $251,429 $5,660 3.05%
McAlester, OK (FHA|USDA|VA) 14 $3,510,000 $250,714 $3,056 3.08%
Huntsville, TX (FHA|USDA|VA) 16 $3,510,000 $219,375 $5,256 3.05%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 17 $3,505,000 $206,176 $3,480 3.40%
HUNTSVILLE, AL (FHA|USDA|VA) 13 $3,385,000 $260,385 $3,699 3.11%
HOT SPRINGS, AR (FHA|USDA|VA) 14 $3,370,000 $240,714 $3,545 3.05%
SALEM, OR (FHA|USDA|VA) 10 $3,250,000 $325,000 $6,473 3.19%
Stillwater, OK (FHA|USDA|VA) 18 $3,120,000 $173,333 $3,409 3.26%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 10 $3,100,000 $310,000 $2,531 3.50%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 10 $3,100,000 $310,000 $4,302 3.20%
SIOUX CITY, IA-NE-SD (FHA|USDA|VA) 20 $3,060,000 $153,000 $2,809 2.99%
Salina, KS (FHA|USDA|VA) 24 $2,990,000 $124,583 $2,038 3.19%
Andrews, TX (FHA|USDA|VA) 11 $2,985,000 $271,364 $6,977 2.95%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 14 $2,980,000 $212,857 $4,749 2.96%
SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) 14 $2,950,000 $210,714 $5,338 3.34%
LOGAN, UT-ID (FHA|USDA|VA) 10 $2,910,000 $291,000 $5,439 3.28%
RICHMOND, VA (FHA|USDA|VA) 12 $2,910,000 $242,500 $3,912 2.76%
LANCASTER, PA (FHA|USDA|VA) 12 $2,830,000 $235,833 $5,161 2.94%
ST. LOUIS, MO-IL (FHA|USDA|VA) 16 $2,800,000 $175,000 $2,423 3.10%
Prineville, OR (FHA|USDA|VA) 10 $2,770,000 $277,000 $6,318 2.58%
WINSTON-SALEM, NC (FHA|USDA|VA) 15 $2,715,000 $181,000 $4,313 2.91%
CARSON CITY, NV (FHA|USDA|VA) 9 $2,715,000 $301,667 $7,860 3.32%
Stephenville, TX (FHA|USDA|VA) 10 $2,660,000 $266,000 $6,323 3.03%
Crossville, TN (FHA|USDA|VA) 14 $2,630,000 $187,857 $4,182 3.40%
Russellville, AR (FHA|USDA|VA) 18 $2,620,000 $145,556 $3,027 3.21%
Fernley, NV (FHA|USDA|VA) 10 $2,620,000 $262,000 $5,945 3.59%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 7 $2,595,000 $370,714 $5,777 3.23%
DECATUR, AL (FHA|USDA|VA) 19 $2,575,000 $135,526 $3,212 3.18%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 6 $2,570,000 $428,333 $4,738 3.13%
Outside of Metro Areas 8 $2,570,000 $321,250 $2,799 3.11%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 11 $2,555,000 $232,273 $3,909 3.03%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 10 $2,530,000 $253,000 $7,279 3.21%
CLEVELAND, TN (FHA|USDA|VA) 13 $2,495,000 $191,923 $3,835 3.13%
Ashland, OH (FHA|USDA|VA) 19 $2,475,000 $130,263 $2,905 3.35%
HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 7 $2,465,000 $352,143 $5,121 2.91%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 10 $2,430,000 $243,000 $3,323 3.15%
Pittsburg, KS (FHA|USDA|VA) 17 $2,395,000 $140,882 $3,152 3.30%
KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 13 $2,385,000 $183,462 $3,228 2.95%
Zapata, TX (FHA|USDA|VA) 17 $2,365,000 $139,118 $4,046 2.51%
Nacogdoches, TX (FHA|USDA|VA) 11 $2,315,000 $210,455 $5,629 3.01%
Tahlequah, OK (FHA|USDA|VA) 12 $2,300,000 $191,667 $4,144 2.92%
Muskogee, OK (FHA|USDA|VA) 13 $2,235,000 $171,923 $4,370 2.93%
Fremont, NE (FHA|USDA|VA) 12 $2,230,000 $185,833 $1,594 2.84%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 15 $2,225,000 $148,333 $3,132 3.32%
Brownwood, TX (FHA|USDA|VA) 12 $2,150,000 $179,167 $4,428 2.97%
AMES, IA (FHA|USDA|VA) 10 $2,150,000 $215,000 $3,500 2.88%
ASHEVILLE, NC (FHA|USDA|VA) 8 $2,140,000 $267,500 $6,192 3.22%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 10 $2,120,000 $212,000 $4,089 3.64%
Palestine, TX (FHA|USDA|VA) 11 $2,115,000 $192,273 $5,385 3.10%
Newport, TN (FHA|USDA|VA) 10 $2,080,000 $208,000 $3,483 3.79%
VICTORIA, TX (FHA|USDA|VA) 14 $2,070,000 $147,857 $4,790 2.88%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 7 $2,055,000 $293,571 $4,267 3.13%
Durango, CO (FHA|USDA|VA) 8 $2,040,000 $255,000 $4,036 2.55%
Glenwood Springs, CO (FHA|USDA|VA) 3 $2,035,000 $678,333 $6,033 3.42%
Steamboat Springs, CO (FHA|USDA|VA) 5 $2,025,000 $405,000 $5,579 3.03%
Kerrville, TX (FHA|USDA|VA) 7 $2,025,000 $289,286 $4,366 3.27%
OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 4 $2,010,000 $502,500 $3,627 3.09%
EAST STROUDSBURG, PA (FHA|USDA|VA) 9 $2,005,000 $222,778 $3,490 3.18%
Rexburg, ID (FHA|USDA|VA) 9 $1,965,000 $218,333 $4,915 2.63%
Bonham, TX (FHA|USDA|VA) 10 $1,960,000 $196,000 $4,612 2.80%
DOVER, DE (FHA|USDA|VA) 7 $1,945,000 $277,857 $7,796 3.14%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 5 $1,925,000 $385,000 $4,424 2.95%
Alice, TX (FHA|USDA|VA) 9 $1,915,000 $212,778 $5,311 3.74%
Morehead City, NC (FHA|USDA|VA) 6 $1,910,000 $318,333 $2,717 3.02%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 2 $1,910,000 $955,000 $7,304 3.06%
Kill Devil Hills, NC (FHA|USDA|VA) 4 $1,880,000 $470,000 $3,693 3.09%
Pullman, WA (FHA|USDA|VA) 4 $1,840,000 $460,000 $5,506 3.22%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 8 $1,820,000 $227,500 $4,463 3.08%
Mount Pleasant, TX (FHA|USDA|VA) 8 $1,810,000 $226,250 $6,584 3.31%
LEBANON, PA (FHA|USDA|VA) 8 $1,800,000 $225,000 $5,250 3.00%
FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) 9 $1,795,000 $199,444 $2,293 2.65%
POCATELLO, ID (FHA|USDA|VA) 8 $1,750,000 $218,750 $5,921 2.98%
Dayton, TN (FHA|USDA|VA) 9 $1,735,000 $192,778 $3,981 3.13%
The Dalles, OR (FHA|USDA|VA) 8 $1,730,000 $216,250 $3,948 3.33%
Paris, TX (FHA|USDA|VA) 8 $1,720,000 $215,000 $5,918 2.81%
Sulphur Springs, TX (FHA|USDA|VA) 10 $1,710,000 $171,000 $5,101 2.83%
Fort Morgan, CO (FHA|USDA|VA) 5 $1,685,000 $337,000 $5,983 3.00%
FAYETTEVILLE, NC (FHA|USDA|VA) 8 $1,640,000 $205,000 $4,671 3.08%
Mountain Home, ID (FHA|USDA|VA) 7 $1,625,000 $232,143 $5,459 2.70%
Bucyrus-Galion, OH (FHA|USDA|VA) 13 $1,615,000 $124,231 $2,640 3.56%
Las Vegas, NM (FHA|USDA|VA) 8 $1,610,000 $201,250 $4,318 3.20%
NEW BERN, NC (FHA|USDA|VA) 7 $1,555,000 $222,143 $3,272 3.05%
Point Pleasant, WV-OH (FHA|USDA|VA) 10 $1,510,000 $151,000 $3,685 3.16%
WICHITA FALLS, TX (FHA|USDA|VA) 13 $1,505,000 $115,769 $3,702 2.55%
Hood River, OR (FHA|USDA|VA) 4 $1,500,000 $375,000 $6,430 3.25%
FLAGSTAFF, AZ (FHA|USDA|VA) 5 $1,495,000 $299,000 $3,170 3.85%
Searcy, AR (FHA|USDA|VA) 9 $1,495,000 $166,111 $2,447 2.97%
SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 5 $1,485,000 $297,000 $0 3.48%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 6 $1,480,000 $246,667 $3,252 3.00%
Hutchinson, KS (FHA|USDA|VA) 9 $1,475,000 $163,889 $3,003 3.35%
Wilmington, OH (FHA|USDA|VA) 9 $1,455,000 $161,667 $4,677 3.46%
SPRINGFIELD, OH (FHA|USDA|VA) 9 $1,435,000 $159,444 $4,405 3.24%
Beeville, TX (FHA|USDA|VA) 6 $1,420,000 $236,667 $6,352 3.40%
Branson, MO (FHA|USDA|VA) 6 $1,410,000 $235,000 $2,162 3.02%
Fredericksburg, TX (FHA|USDA|VA) 4 $1,340,000 $335,000 $5,059 2.94%
Taos, NM (FHA|USDA|VA) 5 $1,335,000 $267,000 $3,203 2.98%
Woodward, OK (FHA|USDA|VA) 6 $1,330,000 $221,667 $2,388 3.44%
Ponca City, OK (FHA|USDA|VA) 8 $1,310,000 $163,750 $3,961 3.13%
FLORENCE, SC (FHA|USDA|VA) 6 $1,290,000 $215,000 $5,853 2.94%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 6 $1,280,000 $213,333 $4,541 2.81%
HOUMA-THIBODAUX, LA (FHA|USDA|VA) 8 $1,280,000 $160,000 $3,653 2.56%
Gainesville, TX (FHA|USDA|VA) 5 $1,225,000 $245,000 $5,878 3.06%
Uvalde, TX (FHA|USDA|VA) 5 $1,225,000 $245,000 $6,327 2.93%
Kingsville, TX (FHA|USDA|VA) 7 $1,215,000 $173,571 $4,310 3.11%
ROANOKE, VA (FHA|USDA|VA) 5 $1,215,000 $243,000 $3,702 3.60%
Kalispell, MT (FHA|USDA|VA) 3 $1,215,000 $405,000 $2,480 4.42%
Lake City, FL (FHA|USDA|VA) 5 $1,185,000 $237,000 $8,251 2.43%
Jasper, AL (FHA|USDA|VA) 5 $1,185,000 $237,000 $2,450 3.40%
LAFAYETTE, LA (FHA|USDA|VA) 8 $1,180,000 $147,500 $3,988 2.53%
Port Lavaca, TX (FHA|USDA|VA) 6 $1,170,000 $195,000 $4,965 3.23%
Riverton, WY (FHA|USDA|VA) 4 $1,170,000 $292,500 $5,468 3.06%
GAINESVILLE, FL (FHA|USDA|VA) 7 $1,165,000 $166,429 $3,462 2.39%
CHARLOTTESVILLE, VA (FHA|USDA|VA) 3 $1,145,000 $381,667 $4,685 2.79%
Cullowhee, NC (FHA|USDA|VA) 4 $1,140,000 $285,000 $2,773 3.28%
SIOUX FALLS, SD (FHA|USDA|VA) 4 $1,120,000 $280,000 $3,180 2.97%
Seneca, SC (FHA|USDA|VA) 3 $1,115,000 $371,667 $5,746 3.08%
Gardnerville Ranchos, NV (FHA|USDA|VA) 3 $1,115,000 $371,667 $7,305 3.54%
JACKSON, MS (FHA|USDA|VA) 4 $1,100,000 $275,000 $4,372 3.16%
Winfield, KS (FHA|USDA|VA) 7 $1,095,000 $156,429 $2,370 2.93%
SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 5 $1,075,000 $215,000 $4,206 3.25%
Centralia, WA (FHA|USDA|VA) 5 $1,065,000 $213,000 $3,354 2.88%
Lebanon, MO (FHA|USDA|VA) 8 $1,060,000 $132,500 $2,460 2.78%
Hastings, NE (FHA|USDA|VA) 8 $1,060,000 $132,500 $2,748 2.44%
CHEYENNE, WY (FHA|USDA|VA) 5 $1,045,000 $209,000 $2,845 3.28%
Weatherford, OK (FHA|USDA|VA) 3 $1,035,000 $345,000 $3,526 2.75%
Rio Grande City-Roma, TX (FHA|USDA|VA) 6 $1,030,000 $171,667 $3,535 3.46%
Sweetwater, TX (FHA|USDA|VA) 5 $1,015,000 $203,000 $5,817 2.93%
SALISBURY, MD-DE (FHA|USDA|VA) 6 $1,010,000 $168,333 $2,287 2.88%
DeRidder, LA (FHA|USDA|VA) 4 $1,010,000 $252,500 $6,918 3.25%
Dodge City, KS (FHA|USDA|VA) 7 $1,005,000 $143,571 $2,343 3.09%
Mountain Home, AR (FHA|USDA|VA) 5 $1,005,000 $201,000 $4,650 2.93%
Bozeman, MT (FHA|USDA|VA) 2 $1,000,000 $500,000 $4,826 3.69%
Pierre, SD (FHA|USDA|VA) 4 $990,000 $247,500 $3,468 3.72%
Elk City, OK (FHA|USDA|VA) 3 $985,000 $328,333 $3,334 3.50%
Levelland, TX (FHA|USDA|VA) 10 $970,000 $97,000 $4,518 3.21%
GRAND JUNCTION, CO (FHA|USDA|VA) 4 $970,000 $242,500 $2,408 3.31%
MADISON, WI (FHA|USDA|VA) 4 $960,000 $240,000 $3,402 2.91%
Moscow, ID (FHA|USDA|VA) 3 $955,000 $318,333 $3,958 3.58%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 5 $935,000 $187,000 $4,834 3.05%
PUEBLO, CO (FHA|USDA|VA) 6 $930,000 $155,000 $8,686 3.08%
OCALA, FL (FHA|USDA|VA) 5 $905,000 $181,000 $3,834 2.53%
Duncan, OK (FHA|USDA|VA) 8 $880,000 $110,000 $3,909 3.42%
PUNTA GORDA, FL (FHA|USDA|VA) 3 $865,000 $288,333 $5,973 3.33%
JONESBORO, AR (FHA|USDA|VA) 4 $860,000 $215,000 $2,107 2.88%
MONROE, LA (FHA|USDA|VA) 6 $850,000 $141,667 $3,587 2.44%
TUSCALOOSA, AL (FHA|USDA|VA) 4 $850,000 $212,500 $3,020 2.88%
Lewisburg, TN (FHA|USDA|VA) 4 $840,000 $210,000 $3,702 2.88%
Mount Gay-Shamrock, WV (FHA|USDA|VA) 8 $840,000 $105,000 $3,334 3.28%
Ruidoso, NM (FHA|USDA|VA) 5 $835,000 $167,000 $3,175 3.23%
Deming, NM (FHA|USDA|VA) 4 $830,000 $207,500 $2,333 2.88%
MONTGOMERY, AL (FHA|USDA|VA) 4 $810,000 $202,500 $5,041 3.13%
Newport, OR (FHA|USDA|VA) 2 $800,000 $400,000 $6,542 3.06%
MORGANTOWN, WV (FHA|USDA|VA) 4 $790,000 $197,500 $3,846 3.13%
Minden, LA (FHA|USDA|VA) 3 $785,000 $261,667 $5,293 3.21%
Harrison, AR (FHA|USDA|VA) 5 $755,000 $151,000 $3,462 3.00%
FARMINGTON, NM (FHA|USDA|VA) 3 $755,000 $251,667 $10,491 3.58%
BELLINGHAM, WA (FHA|USDA|VA) 3 $735,000 $245,000 $5,145 2.33%
Mount Vernon, OH (FHA|USDA|VA) 4 $720,000 $180,000 $4,802 3.03%
TOPEKA, KS (FHA|USDA|VA) 4 $720,000 $180,000 $1,855 3.03%
Pecos, TX (FHA|USDA|VA) 5 $715,000 $143,000 $4,308 2.68%
PARKERSBURG-VIENNA, WV (FHA|USDA|VA) 4 $710,000 $177,500 $3,693 3.31%
DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) 4 $710,000 $177,500 $1,685 3.06%
TOLEDO, OH (FHA|USDA|VA) 5 $705,000 $141,000 $4,662 3.33%
LOUISVILLE/JEFFERSON COUNTY, KY-IN (FHA|USDA|VA) 4 $690,000 $172,500 $3,016 3.44%
SPARTANBURG, SC (FHA|USDA|VA) 2 $680,000 $340,000 $3,758 3.31%
SHEBOYGAN, WI (FHA|USDA|VA) 2 $680,000 $340,000 $1,640 4.94%
Jennings, LA (FHA|USDA|VA) 6 $670,000 $111,667 $3,451 2.17%
COLUMBUS, IN (FHA|USDA|VA) 5 $665,000 $133,000 $2,424 2.33%
Aberdeen, WA (FHA|USDA|VA) 2 $660,000 $330,000 $1,087 2.94%
LAWRENCE, KS (FHA|USDA|VA) 4 $660,000 $165,000 $3,442 2.91%
Newberry, SC (FHA|USDA|VA) 2 $660,000 $330,000 $5,457 3.00%
Kearney, NE (FHA|USDA|VA) 3 $655,000 $218,333 $3,353 3.04%
Lufkin, TX (FHA|USDA|VA) 4 $650,000 $162,500 $4,706 2.97%
Hailey, ID (FHA|USDA|VA) 4 $650,000 $162,500 $4,518 2.00%
North Wilkesboro, NC (FHA|USDA|VA) 2 $640,000 $320,000 $2,457 4.31%
THE VILLAGES, FL (FHA|USDA|VA) 2 $640,000 $320,000 $4,754 3.19%
Malvern, AR (FHA|USDA|VA) 3 $635,000 $211,667 $2,291 3.29%
Paragould, AR (FHA|USDA|VA) 2 $630,000 $315,000 $4,495 2.56%
BRUNSWICK, GA (FHA|USDA|VA) 2 $630,000 $315,000 $7,837 2.75%
Pottsville, PA (FHA|USDA|VA) 5 $625,000 $125,000 $2,571 2.88%
Del Rio, TX (FHA|USDA|VA) 4 $610,000 $152,500 $6,324 3.19%
Albertville, AL (FHA|USDA|VA) 4 $610,000 $152,500 $2,461 2.78%
Easton, MD (FHA|USDA|VA) 2 $610,000 $305,000 $4,545 3.31%
Klamath Falls, OR (FHA|USDA|VA) 2 $610,000 $305,000 $4,297 3.25%
Evanston, WY (FHA|USDA|VA) 3 $605,000 $201,667 $3,569 2.54%
PANAMA CITY, FL (FHA|USDA|VA) 3 $605,000 $201,667 $5,496 3.04%
Wooster, OH (FHA|USDA|VA) 3 $605,000 $201,667 $2,526 3.25%
GRANTS PASS, OR (FHA|USDA|VA) 2 $600,000 $300,000 $6,240 3.63%
Pearsall, TX (FHA|USDA|VA) 4 $600,000 $150,000 $4,574 2.84%
STATE COLLEGE, PA (FHA|USDA|VA) 2 $600,000 $300,000 $4,501 3.19%
COLUMBIA, MO (FHA|USDA|VA) 2 $590,000 $295,000 $2,721 3.06%
St. Marys, GA (FHA|USDA|VA) 4 $590,000 $147,500 $3,007 2.44%
DULUTH, MN-WI (FHA|USDA|VA) 3 $585,000 $195,000 $3,318 3.08%
Cañon City, CO (FHA|USDA|VA) 3 $585,000 $195,000 $4,129 2.00%
Cambridge, MD (FHA|USDA|VA) 2 $580,000 $290,000 $3,764 2.94%
JACKSON, TN (FHA|USDA|VA) 2 $580,000 $290,000 $4,097 2.38%
PINE BLUFF, AR (FHA|USDA|VA) 3 $575,000 $191,667 $3,032 2.63%
BAKERSFIELD, CA (FHA|USDA|VA) 2 $570,000 $285,000 $826 4.88%
Burley, ID (FHA|USDA|VA) 2 $570,000 $285,000 $4,394 2.81%
Roseburg, OR (FHA|USDA|VA) 2 $560,000 $280,000 $8,686 3.00%
ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 2 $560,000 $280,000 $1,922 3.19%
Marshall, MO (FHA|USDA|VA) 3 $555,000 $185,000 $2,468 2.83%
Astoria, OR (FHA|USDA|VA) 1 $545,000 $545,000 $4,899 3.13%
Albemarle, NC (FHA|USDA|VA) 3 $545,000 $181,667 $953 3.29%
El Dorado, AR (FHA|USDA|VA) 3 $535,000 $178,333 $4,203 2.58%
MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) 1 $535,000 $535,000 $3,723 3.13%
TERRE HAUTE, IN (FHA|USDA|VA) 3 $535,000 $178,333 $3,635 3.92%
LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 4 $530,000 $132,500 $2,550 3.59%
Traverse City, MI (FHA|USDA|VA) 2 $530,000 $265,000 $3,084 3.56%
Fallon, NV (FHA|USDA|VA) 2 $520,000 $260,000 $2,621 3.25%
Lamesa, TX (FHA|USDA|VA) 5 $505,000 $101,000 $4,253 2.80%
HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 2 $500,000 $250,000 $4,066 3.13%
Gallup, NM (FHA|USDA|VA) 2 $500,000 $250,000 $5,497 3.38%
Clewiston, FL (FHA|USDA|VA) 2 $500,000 $250,000 $6,900 4.19%
Snyder, TX (FHA|USDA|VA) 5 $495,000 $99,000 $2,966 2.78%
CARBONDALE-MARION, IL (FHA|USDA|VA) 2 $490,000 $245,000 $10,798 2.75%
GAINESVILLE, GA (FHA|USDA|VA) 2 $490,000 $245,000 $3,550 3.00%
LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 2 $480,000 $240,000 $608 3.31%
BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) 2 $470,000 $235,000 $5,964 2.88%
Enterprise, AL (FHA|USDA|VA) 2 $470,000 $235,000 $5,825 3.00%
Big Spring, TX (FHA|USDA|VA) 3 $465,000 $155,000 $4,649 2.54%
Ellensburg, WA (FHA|USDA|VA) 2 $460,000 $230,000 $2,676 3.13%
YAKIMA, WA (FHA|USDA|VA) 3 $455,000 $151,667 $4,503 2.33%
New Castle, IN (FHA|USDA|VA) 4 $450,000 $112,500 $3,566 1.69%
GULFPORT-BILOXI, MS (FHA|USDA|VA) 2 $450,000 $225,000 $2,131 3.19%
Brenham, TX (FHA|USDA|VA) 2 $440,000 $220,000 $3,771 2.56%
Vernal, UT (FHA|USDA|VA) 4 $440,000 $110,000 $2,699 3.56%
CANTON-MASSILLON, OH (FHA|USDA|VA) 2 $440,000 $220,000 $6,138 3.25%
HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 3 $435,000 $145,000 $4,524 3.08%
Cedar City, UT (FHA|USDA|VA) 2 $430,000 $215,000 $5,070 2.81%
Ruston, LA (FHA|USDA|VA) 2 $430,000 $215,000 $5,091 2.75%
Bogalusa, LA (FHA|USDA|VA) 3 $425,000 $141,667 $1,452 3.04%
Great Bend, KS (FHA|USDA|VA) 4 $420,000 $105,000 $2,075 2.63%
CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) 1 $415,000 $415,000 $7,298 2.38%
STAUNTON, VA (FHA|USDA|VA) 2 $410,000 $205,000 $4,356 3.06%
Breckenridge, CO (FHA|USDA|VA) 1 $405,000 $405,000 $3,137 2.88%
Palatka, FL (FHA|USDA|VA) 3 $405,000 $135,000 $3,952 3.00%
WHEELING, WV-OH (FHA|USDA|VA) 3 $395,000 $131,667 $2,685 3.25%
Montrose, CO (FHA|USDA|VA) 1 $395,000 $395,000 $0 3.75%
DOTHAN, AL (FHA|USDA|VA) 1 $395,000 $395,000 $5,496 3.13%
Tifton, GA (FHA|USDA|VA) 1 $395,000 $395,000 $2,990 3.25%
GREENVILLE, NC (FHA|USDA|VA) 1 $395,000 $395,000 $3,497 3.63%
Sebastian-Vero Beach, FL (FHA|USDA|VA) 3 $395,000 $131,667 $3,808 1.88%
BOWLING GREEN, KY (FHA|USDA|VA) 2 $390,000 $195,000 $5,885 2.56%
NORWICH-NEW LONDON, CT (FHA|USDA|VA) 1 $385,000 $385,000 $4,156 3.25%
Tullahoma-Manchester, TN (FHA|USDA|VA) 1 $385,000 $385,000 $3,006 2.63%
Williston, ND (FHA|USDA|VA) 1 $385,000 $385,000 $674 2.88%
Plainview, TX (FHA|USDA|VA) 3 $385,000 $128,333 $4,167 3.25%
Key West, FL (FHA|USDA|VA) 1 $385,000 $385,000 $3,997 2.88%
Elko, NV (FHA|USDA|VA) 2 $380,000 $190,000 $2,898 2.81%
Marinette, WI-MI (FHA|USDA|VA) 2 $380,000 $190,000 $2,727 3.19%
GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 1 $375,000 $375,000 $425 3.25%
Moses Lake, WA (FHA|USDA|VA) 2 $370,000 $185,000 $3,314 3.25%
MACON-BIBB COUNTY, GA (FHA|USDA|VA) 2 $370,000 $185,000 $3,356 3.81%
Picayune, MS (FHA|USDA|VA) 3 $365,000 $121,667 $2,355 3.08%
Rock Springs, WY (FHA|USDA|VA) 2 $360,000 $180,000 $4,449 2.75%
Fairmont, WV (FHA|USDA|VA) 2 $360,000 $180,000 $3,788 3.19%
FORT WAYNE, IN (FHA|USDA|VA) 2 $360,000 $180,000 $2,361 3.13%
Guymon, OK (FHA|USDA|VA) 3 $355,000 $118,333 $5,023 3.13%
BILLINGS, MT (FHA|USDA|VA) 1 $355,000 $355,000 $5,934 3.50%
Holland, MI (FHA|USDA|VA) 1 $355,000 $355,000 $3,583 3.63%
ALBANY-LEBANON, OR (FHA|USDA|VA) 3 $345,000 $115,000 $3,203 2.38%
New Castle, PA (FHA|USDA|VA) 3 $345,000 $115,000 $3,184 3.54%
Cookeville, TN (FHA|USDA|VA) 1 $345,000 $345,000 $9,467 3.13%
Hannibal, MO (FHA|USDA|VA) 2 $340,000 $170,000 $3,502 4.63%
Orangeburg, SC (FHA|USDA|VA) 2 $340,000 $170,000 $3,716 3.19%
SEBRING-AVON PARK, FL (FHA|USDA|VA) 4 $330,000 $82,500 $3,639 1.69%
ANNISTON-OXFORD, AL (FHA|USDA|VA) 1 $325,000 $325,000 $12,279 4.63%
EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 1 $325,000 $325,000 $4,509 3.00%
MOBILE, AL (FHA|USDA|VA) 1 $315,000 $315,000 $2,651 3.50%
Danville, KY (FHA|USDA|VA) 1 $315,000 $315,000 $4,143 2.88%
ST. CLOUD, MN (FHA|USDA|VA) 1 $315,000 $315,000 $6,597 2.88%
Brevard, NC (FHA|USDA|VA) 1 $305,000 $305,000 $3,002 3.25%
Shelbyville, TN (FHA|USDA|VA) 1 $305,000 $305,000 $3,457 3.38%
Pinehurst-Southern Pines, NC (FHA|USDA|VA) 1 $305,000 $305,000 $10,247 2.75%
APPLETON, WI (FHA|USDA|VA) 1 $305,000 $305,000 $1,970 3.25%
Meadville, PA (FHA|USDA|VA) 4 $300,000 $75,000 $1,772 2.50%
Price, UT (FHA|USDA|VA) 1 $295,000 $295,000 $4,710 2.88%
Columbus, NE (FHA|USDA|VA) 1 $295,000 $295,000 $2,219 3.13%
McComb, MS (FHA|USDA|VA) 2 $290,000 $145,000 $500 3.13%
Hillsdale, MI (FHA|USDA|VA) 2 $280,000 $140,000 $2,597 3.25%
Show Low, AZ (FHA|USDA|VA) 4 $280,000 $70,000 $2,364 2.25%
Clarksburg, WV (FHA|USDA|VA) 2 $280,000 $140,000 $3,423 4.50%
OWENSBORO, KY (FHA|USDA|VA) 1 $275,000 $275,000 $3,600 3.13%
ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) 1 $275,000 $275,000 $3,686 3.00%
Vicksburg, MS (FHA|USDA|VA) 1 $275,000 $275,000 $3,560 3.00%
Roswell, NM (FHA|USDA|VA) 1 $275,000 $275,000 $2,667 2.63%
TALLAHASSEE, FL (FHA|USDA|VA) 1 $275,000 $275,000 $4,408 3.25%
Mason City, IA (FHA|USDA|VA) 2 $270,000 $135,000 $2,534 3.13%
Magnolia, AR (FHA|USDA|VA) 1 $265,000 $265,000 $5,588 3.13%
KOKOMO, IN (FHA|USDA|VA) 3 $265,000 $88,333 $2,406 4.33%
WARNER ROBINS, GA (FHA|USDA|VA) 1 $265,000 $265,000 $12,350 2.50%
Natchez, MS-LA (FHA|USDA|VA) 1 $255,000 $255,000 $5,476 3.25%
NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 1 $255,000 $255,000 $5,020 2.63%
Jackson, OH (FHA|USDA|VA) 1 $255,000 $255,000 $1,161 2.88%
Tupelo, MS (FHA|USDA|VA) 1 $255,000 $255,000 $3,898 3.50%
Laurel, MS (FHA|USDA|VA) 1 $245,000 $245,000 $3,856 3.25%
CEDAR RAPIDS, IA (FHA|USDA|VA) 2 $240,000 $120,000 $2,500 2.38%
Farmington, MO (FHA|USDA|VA) 1 $235,000 $235,000 $11,032 3.00%
VALDOSTA, GA (FHA|USDA|VA) 1 $235,000 $235,000 $555 2.88%
BLOOMSBURG-BERWICK, PA (FHA|USDA|VA) 1 $235,000 $235,000 $3,119 3.00%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 1 $235,000 $235,000 $3,572 2.50%
Warsaw, IN (FHA|USDA|VA) 1 $235,000 $235,000 $4,051 2.63%
Forrest City, AR (FHA|USDA|VA) 1 $235,000 $235,000 $4,194 3.00%
Hereford, TX (FHA|USDA|VA) 2 $230,000 $115,000 $3,976 2.69%
MEDFORD, OR (FHA|USDA|VA) 1 $225,000 $225,000 $8,630 2.75%
GRAND FORKS, ND-MN (FHA|USDA|VA) 1 $225,000 $225,000 $8,890 3.63%
GETTYSBURG, PA (FHA|USDA|VA) 1 $225,000 $225,000 $3,877 3.25%
BLOOMINGTON, IN (FHA|USDA|VA) 1 $225,000 $225,000 $3,608 4.88%
West Plains, MO (FHA|USDA|VA) 2 $220,000 $110,000 $2,239 3.38%
Hays, KS (FHA|USDA|VA) 2 $220,000 $110,000 $2,906 2.38%
Spirit Lake, IA (FHA|USDA|VA) 1 $215,000 $215,000 $2,747 3.25%
Somerset, KY (FHA|USDA|VA) 1 $215,000 $215,000 $8,324 3.63%
Washington Court House, OH (FHA|USDA|VA) 1 $215,000 $215,000 $0 3.25%
JEFFERSON CITY, MO (FHA|USDA|VA) 2 $210,000 $105,000 $3,321 3.06%
JACKSON, MI (FHA|USDA|VA) 1 $205,000 $205,000 $30 4.00%
YORK-HANOVER, PA (FHA|USDA|VA) 1 $205,000 $205,000 $5,997 3.13%
Fremont, OH (FHA|USDA|VA) 1 $205,000 $205,000 $5,747 2.88%
SAGINAW, MI (FHA|USDA|VA) 1 $205,000 $205,000 $3,070 3.25%
Yankton, SD (FHA|USDA|VA) 1 $205,000 $205,000 $3,897 2.88%
Hermiston-Pendleton, OR (FHA|USDA|VA) 1 $205,000 $205,000 $550 2.50%
Sanford, NC (FHA|USDA|VA) 1 $205,000 $205,000 $3,520 3.38%
Van Wert, OH (FHA|USDA|VA) 2 $200,000 $100,000 $1,203 3.88%
Austin, MN (FHA|USDA|VA) 1 $195,000 $195,000 $3,174 2.50%
MANHATTAN, KS (FHA|USDA|VA) 1 $195,000 $195,000 $4,219 3.13%
Wilson, NC (FHA|USDA|VA) 1 $195,000 $195,000 $1,911 2.63%
LANSING-EAST LANSING, MI (FHA|USDA|VA) 1 $195,000 $195,000 $5,802 3.13%
LA CROSSE-ONALASKA, WI-MN (FHA|USDA|VA) 1 $195,000 $195,000 $5,074 4.63%
Jefferson, GA (FHA|USDA|VA) 1 $195,000 $195,000 $3,152 2.50%
DUBUQUE, IA (FHA|USDA|VA) 1 $195,000 $195,000 $3,194 3.75%
Pella, IA (FHA|USDA|VA) 1 $195,000 $195,000 $3,082 3.25%
BURLINGTON, NC (FHA|USDA|VA) 2 $190,000 $95,000 $0 4.00%
Zanesville, OH (FHA|USDA|VA) 1 $185,000 $185,000 $525 3.13%
Crawfordsville, IN (FHA|USDA|VA) 1 $185,000 $185,000 $3,180 3.00%
Summerville, GA (FHA|USDA|VA) 1 $185,000 $185,000 $0 3.38%
PEORIA, IL (FHA|USDA|VA) 1 $185,000 $185,000 $3,759 2.38%
RACINE, WI (FHA|USDA|VA) 1 $185,000 $185,000 $3,339 3.38%
ST. JOSEPH, MO-KS (FHA|USDA|VA) 1 $175,000 $175,000 $1,764 2.50%
Talladega-Sylacauga, AL (FHA|USDA|VA) 1 $175,000 $175,000 $0 4.63%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 1 $175,000 $175,000 $0 4.00%
Rolla, MO (FHA|USDA|VA) 1 $175,000 $175,000 $1,969 3.00%
GREEN BAY, WI (FHA|USDA|VA) 1 $175,000 $175,000 $2,182 3.38%
GOLDSBORO, NC (FHA|USDA|VA) 1 $165,000 $165,000 $3,713 2.50%
Pampa, TX (FHA|USDA|VA) 1 $165,000 $165,000 $3,825 3.00%
Raymondville, TX (FHA|USDA|VA) 1 $165,000 $165,000 $5,050 3.50%
Roanoke Rapids, NC (FHA|USDA|VA) 1 $165,000 $165,000 $4,887 2.63%
Madison, IN (FHA|USDA|VA) 2 $160,000 $80,000 $2,548 1.69%
Ludington, MI (FHA|USDA|VA) 1 $155,000 $155,000 $2,766 3.13%
Coffeyville, KS (FHA|USDA|VA) 1 $155,000 $155,000 $5,324 2.75%
Scottsboro, AL (FHA|USDA|VA) 1 $155,000 $155,000 $1,565 2.63%
WILLIAMSPORT, PA (FHA|USDA|VA) 1 $155,000 $155,000 $0 3.13%
Emporia, KS (FHA|USDA|VA) 1 $155,000 $155,000 $1,561 3.13%
Sterling, IL (FHA|USDA|VA) 1 $145,000 $145,000 $2,240 3.38%
HARRISONBURG, VA (FHA|USDA|VA) 1 $145,000 $145,000 $2,602 2.63%
Ottumwa, IA (FHA|USDA|VA) 1 $145,000 $145,000 $2,262 3.25%
BISMARCK, ND (FHA|USDA|VA) 1 $145,000 $145,000 $0 3.00%
WINCHESTER, VA-WV (FHA|USDA|VA) 2 $140,000 $70,000 $3,764 3.75%
Vernon, TX (FHA|USDA|VA) 1 $135,000 $135,000 $5,237 2.63%
CUMBERLAND, MD-WV (FHA|USDA|VA) 1 $135,000 $135,000 $350 3.13%
CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) 1 $135,000 $135,000 $3,192 3.25%
LYNCHBURG, VA (FHA|USDA|VA) 1 $135,000 $135,000 $3,087 2.88%
WALLA WALLA, WA (FHA|USDA|VA) 1 $135,000 $135,000 $0 4.50%
Blytheville, AR (FHA|USDA|VA) 1 $135,000 $135,000 $2,701 2.63%
Sterling, CO (FHA|USDA|VA) 1 $135,000 $135,000 $3,451 3.38%
Union, SC (FHA|USDA|VA) 2 $130,000 $65,000 $3,043 1.56%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 2 $130,000 $65,000 $0 4.63%
Faribault-Northfield, MN (FHA|USDA|VA) 1 $125,000 $125,000 $2,373 3.25%
WATERLOO-CEDAR FALLS, IA (FHA|USDA|VA) 1 $125,000 $125,000 $2,362 2.13%
EVANSVILLE, IN-KY (FHA|USDA|VA) 1 $125,000 $125,000 $3,027 2.50%
Mitchell, SD (FHA|USDA|VA) 1 $125,000 $125,000 $448 2.50%
Oskaloosa, IA (FHA|USDA|VA) 1 $125,000 $125,000 $2,828 2.38%
OSHKOSH-NEENAH, WI (FHA|USDA|VA) 1 $125,000 $125,000 $4,359 3.88%
Marshalltown, IA (FHA|USDA|VA) 1 $125,000 $125,000 $2,610 2.75%
Alpena, MI (FHA|USDA|VA) 1 $115,000 $115,000 $3,128 2.88%
JOHNSTOWN, PA (FHA|USDA|VA) 1 $115,000 $115,000 $3,051 3.00%
KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 1 $115,000 $115,000 $2,638 2.88%
Sayre, PA (FHA|USDA|VA) 1 $115,000 $115,000 $5,035 3.13%
Gaffney, SC (FHA|USDA|VA) 1 $115,000 $115,000 $3,126 2.38%
Bellefontaine, OH (FHA|USDA|VA) 1 $115,000 $115,000 $2,355 3.38%
New Philadelphia-Dover, OH (FHA|USDA|VA) 1 $115,000 $115,000 $3,191 2.63%
Sunbury, PA (FHA|USDA|VA) 1 $105,000 $105,000 $4,157 3.13%
Hope, AR (FHA|USDA|VA) 1 $105,000 $105,000 $2,996 2.75%
Payson, AZ (FHA|USDA|VA) 1 $105,000 $105,000 $2,712 2.88%
Urbana, OH (FHA|USDA|VA) 1 $105,000 $105,000 $2,988 3.25%
Big Rapids, MI (FHA|USDA|VA) 1 $105,000 $105,000 $2,992 2.25%
Clovis, NM (FHA|USDA|VA) 1 $105,000 $105,000 $2,024 2.38%
Connersville, IN (FHA|USDA|VA) 1 $105,000 $105,000 $2,763 3.50%
Natchitoches, LA (FHA|USDA|VA) 1 $105,000 $105,000 $2,598 3.88%
Muscatine, IA (FHA|USDA|VA) 1 $105,000 $105,000 $4,213 3.75%
Cadillac, MI (FHA|USDA|VA) 1 $105,000 $105,000 $2,767 2.13%
Shelby, NC (FHA|USDA|VA) 1 $95,000 $95,000 $2,127 2.88%
Oil City, PA (FHA|USDA|VA) 1 $95,000 $95,000 $4,718 3.13%
Silver City, NM (FHA|USDA|VA) 1 $95,000 $95,000 $5,553 4.00%
Bluefield, WV-VA (FHA|USDA|VA) 1 $95,000 $95,000 $3,091 2.38%
Norwalk, OH (FHA|USDA|VA) 1 $95,000 $95,000 $1,874 3.38%
Indiana, PA (FHA|USDA|VA) 1 $95,000 $95,000 $4,045 4.13%
Elizabeth City, NC (FHA|USDA|VA) 1 $95,000 $95,000 $299 3.13%
Manitowoc, WI (FHA|USDA|VA) 1 $85,000 $85,000 $2,535 2.88%
WAUSAU-WESTON, WI (FHA|USDA|VA) 1 $85,000 $85,000 $2,507 2.63%
Martinsville, VA (FHA|USDA|VA) 1 $85,000 $85,000 $3,981 4.13%
Scottsbluff, NE (FHA|USDA|VA) 1 $75,000 $75,000 $3,090 3.00%
Escanaba, MI (FHA|USDA|VA) 1 $75,000 $75,000 $2,580 3.25%
Somerset, PA (FHA|USDA|VA) 1 $75,000 $75,000 $1,770 3.00%
Marion, OH (FHA|USDA|VA) 1 $75,000 $75,000 $4,549 3.63%
Charleston-Mattoon, IL (FHA|USDA|VA) 1 $65,000 $65,000 $1,836 3.25%
Toccoa, GA (FHA|USDA|VA) 1 $65,000 $65,000 $3,543 2.88%
Storm Lake, IA (FHA|USDA|VA) 1 $65,000 $65,000 $1,893 2.88%
SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 1 $65,000 $65,000 $3,229 3.88%
Miami, OK (FHA|USDA|VA) 1 $55,000 $55,000 $2,637 3.25%
Elkins, WV (FHA|USDA|VA) 1 $45,000 $45,000 $3,504 2.88%
Parsons, KS (FHA|USDA|VA) 1 $45,000 $45,000 $2,506 3.00%

Gateway First Bank's top markets include Dallas, Houston, San Antonio, New York, and Oklahoma City among others.

Product Mix

Loan Type Originations Total Value Average Loan Average Fees Average Rate
Conventional 25,750 $5,891,390,000 $228,792 $3,442 2.92%
FHA 6,606 $1,410,480,000 $213,515 $6,933 3.39%
VA 2,760 $818,260,000 $296,471 $6,178 2.84%
USDA 803 $133,145,000 $165,809 $3,467 2.90%

For the 2021 period, Gateway First Bank's most frequently originated loan type of loans were Conventional, with 25,750 originations. Their 2nd most popular type is FHA, with 6,606 originations.

Loan Reason

Loan Reason Originations Total Value Average Loan Average Fees Average Rate
Home Purchase 22,728 $5,194,300,000 $228,542 $4,503 2.99%
Refi 7,898 $1,807,780,000 $228,891 $3,731 2.88%
Cash Out Refi 5,170 $1,232,870,000 $238,466 $4,566 3.20%
Other 123 $18,325,000 $148,984 $0 3.93%

For the 2021, Gateway First Bank's most frequently cited loan purpose of loans were Home Purchase, with 22,728 originations. The 2nd most popular reason of loans were Refi, with 7,898 originations.

Loan Duration/Length

Loan Length Originations Total Value Average Loan Average Fees Average Rate
30 Year 29,094 $7,184,040,000 $246,925 $4,742 3.21%
15 Year 3,459 $670,115,000 $193,731 $3,429 2.51%
20 Year 1,331 $280,915,000 $211,056 $3,478 2.95%
10 Year 673 $53,695,000 $79,785 $1,433 1.46%
Other 554 $53,330,000 $96,264 $1,423 1.27%
3 Year 521 $4,565,000 $8,762 $1 0.01%
5 Year 287 $6,615,000 $23,049 $2 0.06%

For the 2021, Gateway First Bank's most frequently cited loan length of loans were 30 Year, with 29,094 originations. The 2nd most popular length of loans were 15 Year, with 3,459 originations.

Origination Fees

Origination Fee Originations Total Value Average Loan
$<1k 16,217 $3,359,775,000 $207,176
$1k-2k 12,525 $3,049,475,000 $243,471
$2k-3k 2,595 $669,165,000 $257,867
$3k-4k 1,987 $584,345,000 $294,084
$5k+ 663 $249,475,000 $376,282

$4,742 of loans were Gateway First Bank's average total fees, while their most frequently occuring range of origination fees were in the $<1k bucket, with 16,217 originations.

Interest Rates

Loan Rate Originations Total Value Average Loan
3-4% 15,662 $3,820,360,000 $243,925
2.5-3% 12,597 $3,181,035,000 $252,523
<2.5% 5,617 $882,115,000 $157,044
4-5% 1,753 $333,735,000 $190,379
5-6% 273 $33,555,000 $122,912
6-7% 17 $2,475,000 $145,588

During 2021, Gateway First Bank's average interest rate of loans were 3.21%, while their most frequently originated rate bucket of loans were 3-4%, with 15,662 originations.

Loan Sizing

Loan Size Originations Total Value Average Loan Average Fees Average Rate
$200k-400k 15,831 $4,373,165,000 $276,241 $5,129 3.14%
$100k-200k 12,400 $1,916,880,000 $154,587 $3,802 3.16%
$100,000 or less 4,141 $188,725,000 $45,575 $1,325 1.91%
$400k-600k 3,204 $1,520,910,000 $474,691 $5,727 3.06%
$600k-1MM 316 $220,460,000 $697,658 $7,387 3.03%
$1MM+ 27 $33,135,000 $1,227,222 $11,878 3.16%

2021 saw Gateway First Bank place emphasis on $200k-400k loans with 15,831 originations, totaling $4,373,165,000 in origination value.

Applicant Income

Applicant Income Originations Total Value Average Loan Average Fees Average Rate
$50k-75k 9,822 $1,858,470,000 $189,215 $4,316 2.92%
$100k-150k 7,247 $2,018,835,000 $278,575 $4,655 3.09%
$75k-100k 6,746 $1,563,650,000 $231,789 $4,716 3.01%
$50k or less 6,516 $896,240,000 $137,545 $3,519 2.88%
$150k-250k 4,098 $1,349,290,000 $329,256 $4,551 3.13%
$250k+ 1,409 $543,065,000 $385,426 $4,631 3.23%

Gateway First Bank lent most frequently to those with incomes in the $50k-75k range, with 9,822 originations. The second most popular income band? $100k-150k, with 7,247 originations.

Applicant Debt to Income Ratio

DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
20-30% 6,840 $1,590,810,000 $232,575 $3,791 2.99%
30-36% 6,374 $1,466,250,000 $230,036 $4,068 3.01%
<20% 2,497 $573,145,000 $229,533 $3,590 2.91%
50-60% 2,336 $519,950,000 $222,581 $6,654 2.98%
44% 1,614 $358,790,000 $222,299 $4,393 3.06%
43% 1,478 $330,050,000 $223,309 $4,349 3.01%
40% 1,475 $342,335,000 $232,092 $4,299 3.03%
42% 1,418 $319,900,000 $225,599 $4,313 3.04%
39% 1,416 $324,010,000 $228,821 $4,251 3.00%
41% 1,370 $310,470,000 $226,620 $4,157 2.97%
38% 1,341 $305,155,000 $227,558 $4,231 2.98%
37% 1,240 $291,210,000 $234,847 $4,200 3.02%
36% 1,234 $278,930,000 $226,037 $4,245 3.00%
49% 1,110 $267,450,000 $240,946 $4,942 3.05%
45% 1,087 $249,505,000 $229,535 $4,644 3.03%
48% 985 $231,245,000 $234,766 $4,843 3.04%
47% 971 $226,455,000 $233,218 $4,729 3.01%
46% 963 $216,145,000 $224,450 $4,782 2.98%
>60% 72 $23,100,000 $320,833 $7,334 2.82%

Gateway First Bank lent most frequently to those with DTI ratios of 20-30%, with 6,840 originations. The next most common DTI ratio? 30-36%, with 6,374 originations.

Ethnicity Mix

Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
White 27,732 $6,427,150,000 $231,759 $4,304 3.03%
Not provided 3,802 $890,410,000 $234,195 $4,476 2.98%
Black 2,504 $484,550,000 $193,510 $4,572 2.68%
Asian 763 $191,295,000 $250,714 $4,423 3.06%
American Indian 763 $164,455,000 $215,537 $4,286 3.05%
Asian Indian 120 $36,530,000 $304,417 $4,238 3.03%
Native Hawaiian 56 $13,130,000 $234,464 $4,683 3.02%
Chinese 46 $11,010,000 $239,348 $3,497 3.13%
Other Asian 40 $9,120,000 $228,000 $3,968 2.90%
Filipino 33 $8,235,000 $249,545 $4,689 3.06%
Vietnamese 20 $4,570,000 $228,500 $3,217 3.01%
Korean 14 $4,320,000 $308,571 $4,084 3.24%
Not applicable 7 $3,755,000 $536,429 $0 3.85%
Other Pacific Islander 5 $1,555,000 $311,000 $6,836 3.05%
Japanese 6 $1,260,000 $210,000 $4,539 2.96%
Samoan 4 $790,000 $197,500 $5,453 3.19%
Native Hawiian 2 $630,000 $315,000 $3,606 2.81%
1 $295,000 $295,000 $10,333 4.13%
Guamanian 1 $215,000 $215,000 $4,261 3.13%

Approval Rates

Total approvals of all applications
96.65%

Gateway First Bank has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.

Pick Rate

Approvals leading to origination
70.40%

Gateway First Bank has a below average pick rate.

Points and Fees

Points Originations Total Value Average Loan
NA 35,919 $8,253,275,000 $229,775

Occupancy Type Mix

Dwelling Type Originations Total Value Average Loan
35,919 $8,253,275,000 $229,775

LTV Distribution

Loan to Value Originations Total Value Average Loan Average Fees Average Rate
20-40% 1,120 $181,400,000 $161,964 $3,048 2.92%
40-60% 3,423 $725,855,000 $212,052 $3,747 2.88%
60-80% 10,316 $2,595,620,000 $251,611 $3,991 3.15%
80-100% 18,389 $4,547,855,000 $247,314 $4,973 3.20%
Over 100% 523 $161,805,000 $309,379 $11,899 2.96%
Under 20% 2,148 $40,740,000 $18,966 $148 0.77%

Complaints

Bank Name Product Issue 2021 CPFB Complaints % of Total Issues
GATEWAY FIRST BANK Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 2 10.5%
GATEWAY FIRST BANK Conventional home mortgage Incorrect information on your report 3 15.8%
GATEWAY FIRST BANK Conventional home mortgage Trouble during payment process 5 26.3%
GATEWAY FIRST BANK FHA mortgage Applying for a mortgage or refinancing an existing mortgage 1 5.3%
GATEWAY FIRST BANK FHA mortgage Struggling to pay mortgage 4 21.1%
GATEWAY FIRST BANK FHA mortgage Trouble during payment process 1 5.3%
GATEWAY FIRST BANK Other type of mortgage Trouble during payment process 1 5.3%
GATEWAY FIRST BANK VA mortgage Incorrect information on your report 1 5.3%
GATEWAY FIRST BANK VA mortgage Trouble during payment process 1 5.3%

Bank Details

Branches

Bank Name Branch Branch Type Deposits (000's)
Gateway First Bank 107 South Main Street Nash, OK 73761 Full Service B&M $14,962
Gateway First Bank 111 East Grand Street Tonkawa, OK 74653 Full Service B&M $43,524
Gateway First Bank 116 North 7th Street Tonkawa, OK 74653 Limited, Drive-thru $355
Gateway First Bank 1716 Main Street Wakita, OK 73771 Full Service B&M $9,593
Gateway First Bank 220 N. Main Helena, OK 73741 Full Service B&M $28,418
Gateway First Bank 244 S Gateway Pl Jenks, OK 74037 Limited, Drive-thru $415,002
Gateway First Bank 244 South Gateway Place Jenks, OK 74037 Full Service B&M $0
Gateway First Bank 419 S Grand Ave Cherokee, OK 73728 Full Service B&M $461,699

For 2021, Gateway First Bank had 8 branches.

Yearly Performance Overview

Bank Income

Item Value (in 000's)
Total interest income $40,078
Net interest income $34,171
Total noninterest income $284,227
Gross Fiduciary activities income $0
Service charges on deposit accounts $307
Trading account gains and fees $0
Additional Noninterest Income $283,920
Pre-tax net operating income $112,816
Securities gains (or losses, -) $0
Income before extraordinary items $85,985
Discontinued Operations (Extraordinary gains, net) $0
Net income of bank and minority interests $85,985
Minority interest net income $0
Net income $85,985
Sale, conversion, retirement of capital stock, net $606
Net operating income $85,985

Gateway First Bank's gross interest income from loans was $40,078,000.
Gateway First Bank's net interest income from loans was $34,171,000.
Gateway First Bank's fee based income from loans was $307,000.
Gateway First Bank's net income from loans was $85,985,000.

Bank Expenses

Item Value (in 000's)
Total interest expense $5,907
Provision for credit losses $702
Total noninterest expense $204,880
Salaries and employee benefits $146,240
Premises and equipment expense $13,666
Additional noninterest expense $44,974
Applicable income taxes $26,831
Net charge-offs $419
Cash dividends $37,500

Gateway First Bank's interest expense for loans was $5,907,000.
Gateway First Bank's payroll and benefits expense were $146,240,000.
Gateway First Bank's property, plant and equipment expenses $13,666,000.

Loan Performance

Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
All loans 24.0%
Real Estate loans 25.0%
Construction & Land Development loans 1.0%
Nonfarm, nonresidential loans 1.0%
Multifamily residential loans 0.0%
1-4 family residential loans 33.0%
HELOC loans 0.0%
All other family 33.0%
Commercial & industrial loans 4.0%
Personal loans 0.0%
Credit card loans 0.0%
Other individual loans 0.0%
Auto loans 1.0%
Other consumer loans 0.0%
Unsecured commercial real estate loans 0.0%

Deposits

Type Value (in 000's)
Total deposits $910,655
Deposits held in domestic offices $910,655
Deposits by Individuals, partnerships, and corporations $814,577
Deposits by U.S. Government $0
Deposits by States and political subdivisions in the U.S. $79,500
Deposits by Commercial banks and other depository institutions in U.S. $16,577
Deposits by Banks in foreign countries $0
Deposits by Foreign governments and official institutions $0
Transaction accounts $162,271
Demand deposits $141,886
Nontransaction accounts $748,383
Money market deposit accounts (MMDAs) $394,271
Other savings deposits (excluding MMDAs) $38,809
Total time deposits $315,303
Total time and savings deposits $768,768
Noninterest-bearing deposits $265,157
Interest-bearing deposits $645,498
Retail deposits $690,015
IRAs and Keogh plan accounts $16,923
Brokered deposits $96,609
Deposits held in foreign offices $0

Assets

Asset Value (in 000's)
Total Assets $1,879,005
Cash & Balances due from depository institutions $219,318
Interest-bearing balances $201,118
Total securities $62,167
Federal funds sold & reverse repurchase $22
Net loans and leases $1,321,580
Loan and leases loss allowance $6,398
Trading account assets $0
Bank premises and fixed assets $13,070
Other real estate owned $288
Goodwill and other intangibles $174,069
All other assets $88,491

Liabilities

Liabilities Value (in 000's)
Total liabilities and capital $1,879,005
Total Liabilities $1,549,331
Total deposits $910,655
Interest-bearing deposits $645,498
Deposits held in domestic offices $910,655
% insured (estimated) $49
Federal funds purchased and repurchase agreements $0
Trading liabilities $0
Other borrowed funds $551,118
Subordinated debt $0
All other liabilities $87,558

Issued Loan Types

Type Value (in 000's)
Net loans and leases $1,321,580
Loan and leases loss allowance $6,398
Total loans and leases (domestic) $1,327,978
All real estate loans $1,226,986
Real estate loans in domestic offices $1,226,986
Construction and development loans $172,324
Residential 1-4 family construction $111,314
Other construction, all land development and other land $61,010
Loans secured by nonfarm nonresidential properties $100,282
Nonfarm nonresidential secured by owner-occupied properties $2,875
Commercial real estate & other non-farm, non-residential $97,407
Multifamily residential real estate $1,608
1-4 family residential loans $943,169
Farmland loans $9,603
Loans held in foreign offices $0
Farm loans $6,356
Commercial and industrial loans $90,050
To non-U.S. addressees $0
Loans to individuals $1,509
Credit card loans $0
Related Plans $0
Consumer Auto Loans $342
Other loans to individuals $1,167
All other loans & leases $3,938
Loans to foreign governments and official institutions $0
Other loans $0
Loans to depository institutions and acceptances of other banks $0
Loans not secured by real estate $145
Loans secured by real estate to non-U.S. addressees $0
Restructured Loans & leases $9,334
Non 1-4 family restructured loans & leases $441
Total loans and leases (foreign) $0

Gateway First Bank had $1,321,580,000 of loans outstanding in 2021. $1,226,986,000 of loans were in real estate loans. $172,324,000 of loans were in development loans. $1,608,000 of loans were in multifamily mortgage loans. $943,169,000 of loans were in 1-4 family mortgage loans. $6,356,000 of loans were in farm loans. $0 of loans were in credit card loans. $342,000 of loans were in the auto loan category.

Small Business Loans

Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
Nonfarm, nonresidential loans - <$1MM 31 $7,952 $256,516
Nonfarm, nonresidential loans - <$100k 8 $178 $22,250
Nonfarm, nonresidential loans - $100-250k 5 $800 $160,000
Nonfarm, nonresidential loans - $250k-1MM 18 $6,974 $387,444
Commercial & Industrial, US addressed loans - <$1MM 220 $19,943 $90,650
Commercial & Industrial, US addressed loans - <$100k 114 $2,130 $18,684
Commercial & Industrial, US addressed loans - $100-250k 42 $2,726 $64,905
Commercial & Industrial, US addressed loans - $250k-1MM 64 $15,087 $235,734
Farmland loans - <$1MM 45 $5,837 $129,711
Farmland loans - <$100k 14 $440 $31,429
Farmland loans - $100-250k 22 $2,563 $116,500
Farmland loans - $250k-1MM 9 $2,834 $314,889
Agriculture operations loans - <$1MM 86 $4,344 $50,512
Agriculture operations loans - <$100k 58 $914 $15,759
Agriculture operations loans - $100-250k 19 $1,243 $65,421
Agriculture operations loans - $250k-1MM 9 $2,187 $243,000