Gateway First Bank Mortgage Rates, Fees & Info

OKLAHOMA CITY, OK

LEI: 54930034MNPILHP25H80

Tax ID: 73-1577221

5 stars - out of 5 stars, based on 136 reviews

Latest/2022 | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

Review & Overview

Gateway First Bank is a mid-sized bank specializing in Home Purchase 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 by origination volume include: Dallas, Houston, San Antonio, Oklahoma City, and Philadelphia among others. We have data for 481 markets. (Some data included below & more in-depth data is available with an active subscription.)

Gateway First Bank has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Gateway First Bank is typically an average fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

SimulatedRates™

Mortgage Type
Simulated Rate Simulation Date
30 Year Conventional Purchase 6.76% 6/4/23
30 Year Conventional Refi 6.65% 6/4/23
30 Year Cash-out Refi 6.88% 6/4/23
30 Year FHA Purchase 7.72% 6/4/23
30 Year FHA Refi 7.42% 6/4/23
30 Year VA Purchase 6.33% 6/4/23
30 Year VA Refi 6.13% 6/4/23
30 Year USDA Purchase 6.76% 6/4/23
30 Year USDA Refi 6.19% 6/4/23
15 Year Conventional Purchase 6.45% 6/4/23
15 Year Conventional Refi 6.09% 6/4/23
15 Year Cash-out Refi 6.09% 6/4/23
15 Year FHA Purchase 7.12% 6/4/23
15 Year FHA Refi 7.73% 6/4/23
15 Year VA Purchase 5.96% 6/4/23
15 Year VA Refi 6.16% 6/4/23
These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

Gateway First Bank Mortgage Calculator






Your Estimates

Estimated Loan Payment: Update the calculator values and click calculate payment!

This is not an official calculator from Gateway First Bank. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

The default purchase price is the median sales price across the US for 2022Q4, per FRED.


Originations

18,416

Origination Dollar Volume (All Markets)

$4,491,140,000
Show all (157) awards

Relative Rate

Gateway First Bank's average 30 year fixed mortgage rate was 4.88%.

The 2022 average 30 year fixed rate mortgage across all markets and lenders was 4.76%.

This yields a difference of 0.12%.

Relative Fees (Closing Costs)

Gateway First Bank's average total fees/closing costs for a 30 year fixed rate mortgage were $6,123.

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

Top Markets

Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

Market Originations Total Value Average Loan Average Fees Average Rate
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 1,409 $418,605,000 $297,094 $6,830 4.56%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 1,665 $390,845,000 $234,742 $6,013 4.21%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 838 $196,220,000 $234,153 $6,539 4.24%
OKLAHOMA CITY, OK (FHA|USDA|VA) 852 $194,200,000 $227,934 $5,692 4.86%
Outside of Metro Areas 837 $179,795,000 $214,809 $5,073 4.66%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 701 $137,055,000 $195,514 $4,992 3.87%
TULSA, OK (FHA|USDA|VA) 530 $129,880,000 $245,057 $5,533 4.76%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 417 $113,185,000 $271,427 $4,410 4.77%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 324 $106,210,000 $327,809 $7,170 4.50%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 279 $90,415,000 $324,068 $5,080 5.01%
RAPID CITY, SD (FHA|USDA|VA) 330 $75,190,000 $227,848 $4,671 4.19%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 196 $75,090,000 $383,112 $7,395 4.38%
WICHITA, KS (FHA|USDA|VA) 335 $74,805,000 $223,299 $4,537 4.86%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 250 $73,820,000 $295,280 $6,397 4.63%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 174 $69,490,000 $399,368 $6,620 4.76%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 245 $60,885,000 $248,510 $6,666 4.35%
BOISE CITY, ID (FHA|USDA|VA) 154 $52,020,000 $337,792 $7,059 4.78%
GREELEY, CO (FHA|USDA|VA) 160 $49,470,000 $309,188 $6,106 4.07%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 190 $48,120,000 $253,263 $4,395 5.20%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 207 $46,995,000 $227,029 $4,085 4.90%
CHARLESTON, WV (FHA|USDA|VA) 282 $46,350,000 $164,362 $3,971 5.21%
BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 203 $42,325,000 $208,498 $6,513 4.54%
BATON ROUGE, LA (FHA|USDA|VA) 269 $42,065,000 $156,375 $3,951 3.23%
SALT LAKE CITY, UT (FHA|USDA|VA) 112 $41,930,000 $374,375 $5,695 4.60%
MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 183 $40,675,000 $222,268 $5,628 4.80%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 142 $40,360,000 $284,225 $3,616 4.73%
JACKSONVILLE, FL (FHA|USDA|VA) 180 $40,010,000 $222,278 $5,424 3.78%
KNOXVILLE, TN (FHA|USDA|VA) 152 $38,310,000 $252,039 $5,048 5.03%
FORT COLLINS, CO (FHA|USDA|VA) 91 $36,815,000 $404,560 $6,249 4.55%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 98 $36,390,000 $371,327 $6,014 4.39%
SANTA FE, NM (FHA|USDA|VA) 93 $33,955,000 $365,108 $5,188 5.01%
YUMA, AZ (FHA|USDA|VA) 112 $30,600,000 $273,214 $6,793 4.81%
SAN ANGELO, TX (FHA|USDA|VA) 154 $29,920,000 $194,286 $5,233 4.20%
VINELAND-BRIDGETON, NJ (FHA|USDA|VA) 195 $29,405,000 $150,795 $4,663 3.60%
SUMTER, SC (FHA|USDA|VA) 163 $28,655,000 $175,798 $4,900 4.22%
MIDLAND, TX (FHA|USDA|VA) 132 $28,110,000 $212,955 $6,376 3.62%
Cullman, AL (FHA|USDA|VA) 133 $26,205,000 $197,030 $4,733 4.69%
LAS CRUCES, NM (FHA|USDA|VA) 106 $24,500,000 $231,132 $5,491 5.06%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 117 $24,265,000 $207,393 $4,657 4.98%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 95 $23,675,000 $249,211 $4,196 4.42%
Alamogordo, NM (FHA|USDA|VA) 121 $23,165,000 $191,446 $5,241 5.16%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 68 $22,490,000 $330,735 $5,971 5.02%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 64 $21,480,000 $335,625 $6,973 4.79%
CORPUS CHRISTI, TX (FHA|USDA|VA) 104 $19,620,000 $188,654 $5,381 4.32%
KANSAS CITY, MO-KS (FHA|USDA|VA) 74 $19,510,000 $263,649 $4,592 5.08%
IDAHO FALLS, ID (FHA|USDA|VA) 75 $19,415,000 $258,867 $5,270 4.81%
Durant, OK (FHA|USDA|VA) 101 $19,105,000 $189,158 $6,054 4.76%
Ada, OK (FHA|USDA|VA) 103 $18,965,000 $184,126 $4,129 5.04%
Georgetown, SC (FHA|USDA|VA) 66 $18,870,000 $285,909 $3,980 4.83%
PROVO-OREM, UT (FHA|USDA|VA) 50 $18,060,000 $361,200 $5,866 4.93%
RENO, NV (FHA|USDA|VA) 50 $17,490,000 $349,800 $8,133 4.87%
HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) 95 $17,445,000 $183,632 $4,475 5.20%
ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) 76 $17,330,000 $228,026 $5,720 4.34%
Bay City, TX (FHA|USDA|VA) 84 $17,270,000 $205,595 $5,759 4.61%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 65 $16,955,000 $260,846 $5,660 5.38%
ENID, OK (FHA|USDA|VA) 95 $15,745,000 $165,737 $3,754 4.59%
HAMMOND, LA (FHA|USDA|VA) 94 $15,570,000 $165,638 $4,144 3.78%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 51 $15,335,000 $300,686 $5,152 4.55%
Spearfish, SD (FHA|USDA|VA) 60 $14,870,000 $247,833 $4,898 4.17%
Granbury, TX (FHA|USDA|VA) 43 $14,395,000 $334,767 $7,743 4.51%
WACO, TX (FHA|USDA|VA) 53 $14,095,000 $265,943 $6,732 4.23%
LAWTON, OK (FHA|USDA|VA) 79 $13,565,000 $171,709 $5,980 5.26%
ROCKY MOUNT, NC (FHA|USDA|VA) 3 $13,565,000 $4,521,667 $5,683 5.58%
LAKE CHARLES, LA (FHA|USDA|VA) 57 $13,495,000 $236,754 $5,766 4.59%
TYLER, TX (FHA|USDA|VA) 69 $13,405,000 $194,275 $6,430 3.75%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 36 $13,380,000 $371,667 $5,543 4.70%
GRAND ISLAND, NE (FHA|USDA|VA) 82 $13,160,000 $160,488 $4,171 4.11%
Sheridan, WY (FHA|USDA|VA) 46 $12,850,000 $279,348 $4,363 5.09%
CASPER, WY (FHA|USDA|VA) 55 $12,765,000 $232,091 $3,922 4.63%
COLUMBUS, OH (FHA|USDA|VA) 51 $12,465,000 $244,412 $5,303 5.14%
OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 31 $12,085,000 $389,839 $6,701 4.72%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 60 $12,060,000 $201,000 $4,512 3.88%
Greeneville, TN (FHA|USDA|VA) 65 $12,035,000 $185,154 $5,398 4.75%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 32 $11,150,000 $348,438 $5,362 4.69%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 23 $11,075,000 $481,522 $8,972 4.76%
SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) 104 $10,980,000 $105,577 $3,280 3.52%
BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) 54 $10,850,000 $200,926 $5,147 4.37%
COLORADO SPRINGS, CO (FHA|USDA|VA) 33 $10,525,000 $318,939 $6,959 4.28%
ABILENE, TX (FHA|USDA|VA) 57 $10,435,000 $183,070 $6,241 4.33%
DAYTON-KETTERING, OH (FHA|USDA|VA) 49 $10,295,000 $210,102 $5,226 5.57%
Sedalia, MO (FHA|USDA|VA) 62 $10,100,000 $162,903 $3,309 5.25%
TRENTON-PRINCETON, NJ (FHA|USDA|VA) 53 $9,785,000 $184,623 $5,413 3.82%
JOPLIN, MO (FHA|USDA|VA) 61 $9,705,000 $159,098 $3,257 4.88%
Shawnee, OK (FHA|USDA|VA) 32 $9,640,000 $301,250 $5,401 4.51%
LAREDO, TX (FHA|USDA|VA) 66 $9,590,000 $145,303 $4,516 3.36%
FORT SMITH, AR-OK (FHA|USDA|VA) 56 $9,320,000 $166,429 $4,909 5.03%
ALBUQUERQUE, NM (FHA|USDA|VA) 43 $9,035,000 $210,116 $5,329 5.31%
Ardmore, OK (FHA|USDA|VA) 48 $8,970,000 $186,875 $5,597 4.96%
LUBBOCK, TX (FHA|USDA|VA) 45 $8,915,000 $198,111 $6,622 4.58%
READING, PA (FHA|USDA|VA) 32 $8,530,000 $266,563 $6,013 5.01%
ODESSA, TX (FHA|USDA|VA) 50 $8,300,000 $166,000 $5,366 3.57%
Sevierville, TN (FHA|USDA|VA) 23 $8,225,000 $357,609 $4,566 5.13%
LONGVIEW, TX (FHA|USDA|VA) 43 $8,195,000 $190,581 $5,672 4.10%
McPherson, KS (FHA|USDA|VA) 44 $8,050,000 $182,955 $3,858 4.89%
LONGVIEW, WA (FHA|USDA|VA) 25 $7,935,000 $317,400 $5,533 3.88%
BEND, OR (FHA|USDA|VA) 20 $7,800,000 $390,000 $10,665 4.91%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 24 $7,210,000 $300,417 $5,750 4.95%
Athens, TX (FHA|USDA|VA) 30 $6,530,000 $217,667 $6,258 4.01%
Eagle Pass, TX (FHA|USDA|VA) 46 $6,440,000 $140,000 $3,950 2.94%
Hastings, NE (FHA|USDA|VA) 40 $6,440,000 $161,000 $3,223 4.89%
JOHNSON CITY, TN (FHA|USDA|VA) 25 $6,125,000 $245,000 $6,060 4.89%
Gillette, WY (FHA|USDA|VA) 20 $6,060,000 $303,000 $4,799 4.90%
Los Alamos, NM (FHA|USDA|VA) 15 $5,855,000 $390,333 $5,629 4.69%
WILMINGTON, NC (FHA|USDA|VA) 16 $5,850,000 $365,625 $3,947 4.75%
Carlsbad-Artesia, NM (FHA|USDA|VA) 27 $5,435,000 $201,296 $5,781 4.97%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 11 $5,405,000 $491,364 $7,021 5.03%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 15 $5,395,000 $359,667 $5,416 4.79%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 18 $5,380,000 $298,889 $6,139 4.22%
Corsicana, TX (FHA|USDA|VA) 23 $5,305,000 $230,652 $4,479 4.02%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 20 $5,290,000 $264,500 $4,322 5.54%
Athens, TN (FHA|USDA|VA) 27 $5,275,000 $195,370 $5,031 5.09%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 13 $5,225,000 $401,923 $9,744 5.13%
Stillwater, OK (FHA|USDA|VA) 25 $5,205,000 $208,200 $5,183 4.59%
El Campo, TX (FHA|USDA|VA) 26 $5,200,000 $200,000 $6,503 5.25%
COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 20 $5,180,000 $259,000 $6,886 4.28%
Mineral Wells, TX (FHA|USDA|VA) 18 $5,070,000 $281,667 $7,701 5.38%
OCEAN CITY, NJ (FHA|USDA|VA) 13 $5,055,000 $388,846 $6,423 4.59%
TUCSON, AZ (FHA|USDA|VA) 16 $5,020,000 $313,750 $6,865 5.04%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 18 $4,980,000 $276,667 $6,814 4.17%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 20 $4,980,000 $249,000 $6,885 4.82%
TEXARKANA, TX-AR (FHA|USDA|VA) 21 $4,935,000 $235,000 $6,703 4.05%
SHERMAN-DENISON, TX (FHA|USDA|VA) 18 $4,900,000 $272,222 $6,916 4.60%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 19 $4,815,000 $253,421 $8,087 5.35%
PITTSBURGH, PA (FHA|USDA|VA) 31 $4,665,000 $150,484 $4,229 5.45%
COLUMBIA, SC (FHA|USDA|VA) 19 $4,485,000 $236,053 $5,791 4.88%
Fort Morgan, CO (FHA|USDA|VA) 16 $4,430,000 $276,875 $5,656 3.93%
Riverton, WY (FHA|USDA|VA) 16 $4,230,000 $264,375 $5,100 4.47%
ST. GEORGE, UT (FHA|USDA|VA) 11 $4,215,000 $383,182 $4,496 4.44%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 19 $4,185,000 $220,263 $4,191 4.74%
DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 17 $4,015,000 $236,176 $3,643 3.91%
EL PASO, TX (FHA|USDA|VA) 24 $3,970,000 $165,417 $6,558 4.61%
MORRISTOWN, TN (FHA|USDA|VA) 12 $3,860,000 $321,667 $6,342 5.22%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 13 $3,685,000 $283,462 $4,691 4.49%
CHEYENNE, WY (FHA|USDA|VA) 12 $3,650,000 $304,167 $5,550 4.17%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 11 $3,535,000 $321,364 $5,661 5.50%
KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 15 $3,445,000 $229,667 $5,314 4.57%
PORT ST. LUCIE, FL (FHA|USDA|VA) 15 $3,435,000 $229,000 $4,913 3.68%
Ontario, OR-ID (FHA|USDA|VA) 7 $3,345,000 $477,857 $12,910 4.93%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 12 $3,200,000 $266,667 $4,529 3.71%
BECKLEY, WV (FHA|USDA|VA) 20 $3,110,000 $155,500 $4,695 5.54%
HOT SPRINGS, AR (FHA|USDA|VA) 17 $3,045,000 $179,118 $4,409 5.39%
WICHITA FALLS, TX (FHA|USDA|VA) 19 $3,025,000 $159,211 $4,390 3.94%
BOULDER, CO (FHA|USDA|VA) 7 $2,995,000 $427,857 $6,672 3.96%
Española, NM (FHA|USDA|VA) 10 $2,910,000 $291,000 $4,215 4.98%
Bartlesville, OK (FHA|USDA|VA) 18 $2,900,000 $161,111 $5,103 4.90%
Outside of Metro Areas 8 $2,890,000 $361,250 $5,699 5.23%
Pittsburg, KS (FHA|USDA|VA) 22 $2,860,000 $130,000 $4,058 5.54%
SAVANNAH, GA (FHA|USDA|VA) 9 $2,805,000 $311,667 $7,737 5.01%
MONROE, LA (FHA|USDA|VA) 21 $2,785,000 $132,619 $3,613 3.87%
Lawrenceburg, TN (FHA|USDA|VA) 12 $2,670,000 $222,500 $3,551 4.52%
LINCOLN, NE (FHA|USDA|VA) 9 $2,655,000 $295,000 $4,409 4.40%
Blackfoot, ID (FHA|USDA|VA) 10 $2,540,000 $254,000 $5,919 4.86%
Ruidoso, NM (FHA|USDA|VA) 9 $2,515,000 $279,444 $4,718 5.19%
Hutchinson, KS (FHA|USDA|VA) 16 $2,470,000 $154,375 $3,821 4.97%
SALEM, OR (FHA|USDA|VA) 6 $2,470,000 $411,667 $5,106 4.58%
Morehead City, NC (FHA|USDA|VA) 7 $2,455,000 $350,714 $5,403 5.71%
POCATELLO, ID (FHA|USDA|VA) 8 $2,440,000 $305,000 $9,684 5.44%
EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 7 $2,345,000 $335,000 $5,366 4.88%
JACKSONVILLE, NC (FHA|USDA|VA) 12 $2,330,000 $194,167 $6,101 4.85%
McAlester, OK (FHA|USDA|VA) 7 $2,295,000 $327,857 $4,358 4.68%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 11 $2,255,000 $205,000 $7,406 5.14%
Warrensburg, MO (FHA|USDA|VA) 10 $2,250,000 $225,000 $4,544 5.13%
VICTORIA, TX (FHA|USDA|VA) 13 $2,235,000 $171,923 $4,405 4.07%
Zapata, TX (FHA|USDA|VA) 19 $2,205,000 $116,053 $4,132 3.96%
Woodward, OK (FHA|USDA|VA) 13 $2,185,000 $168,077 $4,512 5.69%
Edwards, CO (FHA|USDA|VA) 1 $2,155,000 $2,155,000 $25,475 3.95%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 6 $2,120,000 $353,333 $8,785 5.69%
AMARILLO, TX (FHA|USDA|VA) 15 $2,115,000 $141,000 $4,549 3.77%
Dodge City, KS (FHA|USDA|VA) 10 $2,070,000 $207,000 $4,101 4.83%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 5 $2,065,000 $413,000 $6,405 6.08%
Heber, UT (FHA|USDA|VA) 4 $2,030,000 $507,500 $1,431 4.94%
Russellville, AR (FHA|USDA|VA) 13 $1,985,000 $152,692 $2,131 4.41%
RALEIGH-CARY, NC (FHA|USDA|VA) 5 $1,975,000 $395,000 $9,394 4.30%
PANAMA CITY, FL (FHA|USDA|VA) 6 $1,970,000 $328,333 $9,282 5.44%
Muskogee, OK (FHA|USDA|VA) 12 $1,930,000 $160,833 $4,562 4.06%
CARSON CITY, NV (FHA|USDA|VA) 5 $1,915,000 $383,000 $13,883 4.40%
Breckenridge, CO (FHA|USDA|VA) 2 $1,910,000 $955,000 $0 5.25%
Point Pleasant, WV-OH (FHA|USDA|VA) 12 $1,860,000 $155,000 $6,238 5.32%
Jasper, AL (FHA|USDA|VA) 8 $1,750,000 $218,750 $3,957 4.64%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 7 $1,735,000 $247,857 $7,390 5.77%
DECATUR, AL (FHA|USDA|VA) 8 $1,710,000 $213,750 $7,090 5.89%
St. Marys, GA (FHA|USDA|VA) 7 $1,685,000 $240,714 $5,843 4.55%
CLEVELAND, TN (FHA|USDA|VA) 7 $1,635,000 $233,571 $5,076 5.75%
WINSTON-SALEM, NC (FHA|USDA|VA) 10 $1,630,000 $163,000 $2,546 3.66%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 4 $1,630,000 $407,500 $5,527 4.88%
Las Vegas, NM (FHA|USDA|VA) 7 $1,625,000 $232,143 $5,400 4.52%
LAFAYETTE, LA (FHA|USDA|VA) 7 $1,615,000 $230,714 $4,475 3.75%
Mount Gay-Shamrock, WV (FHA|USDA|VA) 10 $1,570,000 $157,000 $4,434 5.44%
Durango, CO (FHA|USDA|VA) 5 $1,565,000 $313,000 $5,852 5.53%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 5 $1,545,000 $309,000 $6,426 5.35%
Dayton, TN (FHA|USDA|VA) 8 $1,530,000 $191,250 $4,426 5.58%
Kingsville, TX (FHA|USDA|VA) 10 $1,520,000 $152,000 $5,866 4.01%
Kerrville, TX (FHA|USDA|VA) 6 $1,520,000 $253,333 $7,679 4.50%
Andrews, TX (FHA|USDA|VA) 7 $1,505,000 $215,000 $7,019 3.66%
Paris, TX (FHA|USDA|VA) 5 $1,495,000 $299,000 $6,095 5.33%
Fallon, NV (FHA|USDA|VA) 5 $1,485,000 $297,000 $5,111 4.95%
AKRON, OH (FHA|USDA|VA) 8 $1,480,000 $185,000 $5,393 5.55%
PUEBLO, CO (FHA|USDA|VA) 7 $1,435,000 $205,000 $4,697 3.48%
Brownwood, TX (FHA|USDA|VA) 9 $1,405,000 $156,111 $4,906 4.44%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 5 $1,395,000 $279,000 $9,042 5.40%
Big Spring, TX (FHA|USDA|VA) 10 $1,360,000 $136,000 $5,262 3.64%
OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 3 $1,295,000 $431,667 $9,892 4.92%
HUNTSVILLE, AL (FHA|USDA|VA) 5 $1,255,000 $251,000 $8,294 4.95%
Wilmington, OH (FHA|USDA|VA) 5 $1,255,000 $251,000 $9,325 5.28%
Newport, OR (FHA|USDA|VA) 2 $1,250,000 $625,000 $18,555 5.56%
Albemarle, NC (FHA|USDA|VA) 5 $1,245,000 $249,000 $3,337 4.20%
Rockport, TX (FHA|USDA|VA) 4 $1,240,000 $310,000 $8,313 5.02%
WINCHESTER, VA-WV (FHA|USDA|VA) 4 $1,220,000 $305,000 $5,450 4.63%
Mount Pleasant, TX (FHA|USDA|VA) 5 $1,215,000 $243,000 $7,126 5.53%
Jacksonville, TX (FHA|USDA|VA) 6 $1,180,000 $196,667 $6,101 3.53%
Sebastian-Vero Beach, FL (FHA|USDA|VA) 4 $1,180,000 $295,000 $11,067 5.25%
Bonham, TX (FHA|USDA|VA) 7 $1,175,000 $167,857 $5,544 4.52%
Crossville, TN (FHA|USDA|VA) 5 $1,175,000 $235,000 $6,636 4.98%
Pierre, SD (FHA|USDA|VA) 5 $1,175,000 $235,000 $3,312 3.95%
Newport, TN (FHA|USDA|VA) 5 $1,165,000 $233,000 $4,928 4.80%
Rexburg, ID (FHA|USDA|VA) 3 $1,155,000 $385,000 $4,044 5.21%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 2 $1,150,000 $575,000 $6,943 4.69%
Fernley, NV (FHA|USDA|VA) 3 $1,135,000 $378,333 $8,051 5.96%
Del Rio, TX (FHA|USDA|VA) 5 $1,115,000 $223,000 $3,436 3.88%
COLUMBIA, MO (FHA|USDA|VA) 3 $1,115,000 $371,667 $4,120 6.04%
The Dalles, OR (FHA|USDA|VA) 3 $1,085,000 $361,667 $4,974 4.46%
BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) 4 $1,070,000 $267,500 $6,548 5.59%
Palestine, TX (FHA|USDA|VA) 8 $1,070,000 $133,750 $5,452 3.67%
Altus, OK (FHA|USDA|VA) 6 $1,060,000 $176,667 $3,842 4.60%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 5 $1,025,000 $205,000 $5,423 4.38%
MISSOULA, MT (FHA|USDA|VA) 2 $1,020,000 $510,000 $10,936 6.00%
ALBANY-LEBANON, OR (FHA|USDA|VA) 3 $1,005,000 $335,000 $7,907 5.33%
SPRINGFIELD, OH (FHA|USDA|VA) 7 $995,000 $142,143 $3,744 5.68%
Marshall, MO (FHA|USDA|VA) 5 $995,000 $199,000 $3,740 5.18%
Jefferson, GA (FHA|USDA|VA) 2 $990,000 $495,000 $7,270 5.88%
Prineville, OR (FHA|USDA|VA) 2 $960,000 $480,000 $17,922 4.13%
ANN ARBOR, MI (FHA|USDA|VA) 2 $950,000 $475,000 $6,347 5.75%
ASHEVILLE, NC (FHA|USDA|VA) 3 $945,000 $315,000 $2,143 3.83%
Show Low, AZ (FHA|USDA|VA) 2 $910,000 $455,000 $6,311 4.69%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 4 $910,000 $227,500 $3,479 4.44%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 2 $910,000 $455,000 $2,189 4.13%
Lufkin, TX (FHA|USDA|VA) 5 $905,000 $181,000 $4,025 3.93%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 4 $900,000 $225,000 $8,218 4.56%
Orangeburg, SC (FHA|USDA|VA) 5 $895,000 $179,000 $6,378 4.98%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 4 $890,000 $222,500 $6,709 5.72%
GULFPORT-BILOXI, MS (FHA|USDA|VA) 2 $890,000 $445,000 $8,146 5.19%
MACON-BIBB COUNTY, GA (FHA|USDA|VA) 4 $880,000 $220,000 $8,721 5.13%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 5 $875,000 $175,000 $4,470 6.15%
Weatherford, OK (FHA|USDA|VA) 4 $870,000 $217,500 $8,864 4.34%
TWIN FALLS, ID (FHA|USDA|VA) 3 $855,000 $285,000 $8,261 3.92%
Hood River, OR (FHA|USDA|VA) 2 $850,000 $425,000 $10,930 4.75%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 4 $840,000 $210,000 $5,127 5.66%
ST. LOUIS, MO-IL (FHA|USDA|VA) 3 $835,000 $278,333 $5,788 5.58%
Searcy, AR (FHA|USDA|VA) 6 $830,000 $138,333 $4,975 5.31%
Rio Grande City-Roma, TX (FHA|USDA|VA) 5 $825,000 $165,000 $3,347 4.43%
ROANOKE, VA (FHA|USDA|VA) 4 $810,000 $202,500 $6,109 4.94%
HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 4 $800,000 $200,000 $3,231 5.47%
Taos, NM (FHA|USDA|VA) 3 $785,000 $261,667 $7,437 5.33%
Centralia, WA (FHA|USDA|VA) 2 $780,000 $390,000 $4,272 4.25%
Port Angeles, WA (FHA|USDA|VA) 2 $770,000 $385,000 $10,920 5.06%
CORVALLIS, OR (FHA|USDA|VA) 2 $770,000 $385,000 $6,500 4.81%
TOPEKA, KS (FHA|USDA|VA) 4 $770,000 $192,500 $3,810 5.94%
COLUMBUS, IN (FHA|USDA|VA) 4 $770,000 $192,500 $3,286 3.16%
Tahlequah, OK (FHA|USDA|VA) 5 $765,000 $153,000 $5,216 5.35%
Winfield, KS (FHA|USDA|VA) 3 $765,000 $255,000 $9,927 4.75%
Stephenville, TX (FHA|USDA|VA) 3 $745,000 $248,333 $7,114 5.50%
Sulphur Springs, TX (FHA|USDA|VA) 3 $745,000 $248,333 $10,351 4.25%
Fremont, NE (FHA|USDA|VA) 4 $720,000 $180,000 $1,173 3.53%
Steamboat Springs, CO (FHA|USDA|VA) 2 $710,000 $355,000 $8,061 5.13%
SPRINGFIELD, MO (FHA|USDA|VA) 3 $705,000 $235,000 $5,288 5.08%
Pearsall, TX (FHA|USDA|VA) 2 $690,000 $345,000 $12,194 5.44%
HINESVILLE, GA (FHA|USDA|VA) 2 $690,000 $345,000 $15,185 4.63%
VALDOSTA, GA (FHA|USDA|VA) 3 $685,000 $228,333 $8,092 5.75%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 1 $685,000 $685,000 $4,278 4.75%
SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) 4 $680,000 $170,000 $6,406 5.19%
Huntsville, TX (FHA|USDA|VA) 2 $680,000 $340,000 $6,026 3.94%
Helena, MT (FHA|USDA|VA) 2 $680,000 $340,000 $2,547 4.88%
ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 4 $660,000 $165,000 $3,763 5.59%
PUNTA GORDA, FL (FHA|USDA|VA) 2 $660,000 $330,000 $5,508 4.50%
RICHMOND, VA (FHA|USDA|VA) 3 $655,000 $218,333 $1,827 4.08%
GRAND JUNCTION, CO (FHA|USDA|VA) 3 $655,000 $218,333 $3,688 5.08%
Cañon City, CO (FHA|USDA|VA) 1 $645,000 $645,000 $6,929 5.25%
Cedar City, UT (FHA|USDA|VA) 3 $645,000 $215,000 $2,061 5.17%
Bogalusa, LA (FHA|USDA|VA) 3 $645,000 $215,000 $4,300 5.25%
Jennings, LA (FHA|USDA|VA) 3 $635,000 $211,667 $6,724 5.04%
GOLDSBORO, NC (FHA|USDA|VA) 3 $625,000 $208,333 $4,602 4.58%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 2 $620,000 $310,000 $4,917 4.13%
Moberly, MO (FHA|USDA|VA) 3 $615,000 $205,000 $2,079 5.92%
THE VILLAGES, FL (FHA|USDA|VA) 3 $615,000 $205,000 $5,638 4.13%
Fort Polk South, LA (FHA|USDA|VA) 2 $610,000 $305,000 $4,683 4.13%
Branson, MO (FHA|USDA|VA) 5 $605,000 $121,000 $2,035 4.18%
NEW BERN, NC (FHA|USDA|VA) 3 $605,000 $201,667 $10,099 4.71%
WHEELING, WV-OH (FHA|USDA|VA) 4 $600,000 $150,000 $4,854 5.81%
PARKERSBURG-VIENNA, WV (FHA|USDA|VA) 4 $600,000 $150,000 $4,005 5.00%
Gainesville, TX (FHA|USDA|VA) 3 $595,000 $198,333 $7,611 5.38%
OCALA, FL (FHA|USDA|VA) 3 $595,000 $198,333 $3,508 5.33%
Fredericksburg, TX (FHA|USDA|VA) 2 $590,000 $295,000 $7,695 4.63%
Rock Springs, WY (FHA|USDA|VA) 4 $580,000 $145,000 $1,733 4.00%
FAYETTEVILLE, NC (FHA|USDA|VA) 4 $580,000 $145,000 $2,891 4.28%
Clarksburg, WV (FHA|USDA|VA) 5 $575,000 $115,000 $3,211 5.05%
KOKOMO, IN (FHA|USDA|VA) 7 $575,000 $82,143 $3,011 4.71%
DOVER, DE (FHA|USDA|VA) 2 $570,000 $285,000 $10,601 4.38%
MONTGOMERY, AL (FHA|USDA|VA) 3 $565,000 $188,333 $9,208 5.67%
Alice, TX (FHA|USDA|VA) 3 $565,000 $188,333 $3,392 4.42%
Sterling, CO (FHA|USDA|VA) 2 $560,000 $280,000 $8,381 5.88%
JONESBORO, AR (FHA|USDA|VA) 4 $560,000 $140,000 $3,921 6.34%
Ellensburg, WA (FHA|USDA|VA) 1 $555,000 $555,000 $19,001 3.13%
MOBILE, AL (FHA|USDA|VA) 2 $550,000 $275,000 $7,811 3.44%
Fairmont, WV (FHA|USDA|VA) 3 $545,000 $181,667 $6,133 5.00%
KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 1 $545,000 $545,000 $20,219 2.75%
Sandpoint, ID (FHA|USDA|VA) 2 $540,000 $270,000 $4,307 5.38%
Natchitoches, LA (FHA|USDA|VA) 2 $530,000 $265,000 $8,020 4.31%
CHAMPAIGN-URBANA, IL (FHA|USDA|VA) 2 $530,000 $265,000 $9,543 5.69%
LEBANON, PA (FHA|USDA|VA) 3 $525,000 $175,000 $6,261 4.83%
LANCASTER, PA (FHA|USDA|VA) 3 $525,000 $175,000 $5,679 4.63%
SPARTANBURG, SC (FHA|USDA|VA) 3 $525,000 $175,000 $6,690 5.13%
Hailey, ID (FHA|USDA|VA) 2 $510,000 $255,000 $15,476 4.94%
DeRidder, LA (FHA|USDA|VA) 2 $510,000 $255,000 $11,103 4.25%
Seneca, SC (FHA|USDA|VA) 1 $505,000 $505,000 $9,381 3.38%
Salina, KS (FHA|USDA|VA) 3 $495,000 $165,000 $2,202 4.58%
Lewisburg, TN (FHA|USDA|VA) 2 $490,000 $245,000 $4,065 4.75%
Albertville, AL (FHA|USDA|VA) 1 $485,000 $485,000 $6,598 5.63%
Ruston, LA (FHA|USDA|VA) 3 $485,000 $161,667 $4,018 2.96%
Arkadelphia, AR (FHA|USDA|VA) 2 $480,000 $240,000 $1,729 3.94%
DOTHAN, AL (FHA|USDA|VA) 2 $470,000 $235,000 $4,370 4.38%
WARNER ROBINS, GA (FHA|USDA|VA) 2 $470,000 $235,000 $2,941 4.69%
Cambridge, OH (FHA|USDA|VA) 1 $465,000 $465,000 $4,351 5.50%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 3 $465,000 $155,000 $5,451 5.21%
SEBRING-AVON PARK, FL (FHA|USDA|VA) 2 $460,000 $230,000 $5,597 5.25%
Duncan, OK (FHA|USDA|VA) 4 $460,000 $115,000 $4,085 3.81%
HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 2 $460,000 $230,000 $4,644 5.44%
FORT WAYNE, IN (FHA|USDA|VA) 3 $455,000 $151,667 $5,532 3.33%
HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 2 $450,000 $225,000 $4,931 5.56%
Lebanon, MO (FHA|USDA|VA) 3 $445,000 $148,333 $4,030 5.54%
Mountain Home, AR (FHA|USDA|VA) 2 $440,000 $220,000 $4,141 4.00%
FARMINGTON, NM (FHA|USDA|VA) 2 $440,000 $220,000 $6,994 5.75%
FARGO, ND-MN (FHA|USDA|VA) 2 $440,000 $220,000 $3,163 5.50%
Scottsboro, AL (FHA|USDA|VA) 2 $440,000 $220,000 $5,396 3.63%
Lake City, FL (FHA|USDA|VA) 3 $435,000 $145,000 $3,985 3.00%
Payson, AZ (FHA|USDA|VA) 1 $435,000 $435,000 $6,910 5.88%
MANSFIELD, OH (FHA|USDA|VA) 2 $430,000 $215,000 $2,886 6.25%
Vernal, UT (FHA|USDA|VA) 4 $430,000 $107,500 $1,935 4.75%
Bardstown, KY (FHA|USDA|VA) 1 $425,000 $425,000 $20,514 4.75%
LOGAN, UT-ID (FHA|USDA|VA) 1 $425,000 $425,000 $4,014 4.75%
Elko, NV (FHA|USDA|VA) 1 $425,000 $425,000 $12,573 5.75%
WALLA WALLA, WA (FHA|USDA|VA) 1 $415,000 $415,000 $3,330 5.00%
Kalispell, MT (FHA|USDA|VA) 1 $405,000 $405,000 $4,749 5.13%
Mountain Home, ID (FHA|USDA|VA) 1 $405,000 $405,000 $10,379 4.75%
Kirksville, MO (FHA|USDA|VA) 1 $405,000 $405,000 $2,608 5.13%
Hobbs, NM (FHA|USDA|VA) 1 $405,000 $405,000 $9,846 5.75%
APPLETON, WI (FHA|USDA|VA) 1 $405,000 $405,000 $8,649 4.38%
Brenham, TX (FHA|USDA|VA) 2 $400,000 $200,000 $5,298 5.19%
Deming, NM (FHA|USDA|VA) 4 $400,000 $100,000 $2,157 3.19%
Pella, IA (FHA|USDA|VA) 1 $395,000 $395,000 $3,062 5.88%
TALLAHASSEE, FL (FHA|USDA|VA) 1 $395,000 $395,000 $3,146 6.00%
SALISBURY, MD-DE (FHA|USDA|VA) 1 $395,000 $395,000 $0 6.63%
HOUMA-THIBODAUX, LA (FHA|USDA|VA) 1 $395,000 $395,000 $4,690 2.63%
MEDFORD, OR (FHA|USDA|VA) 1 $365,000 $365,000 $1,684 4.50%
BURLINGTON, NC (FHA|USDA|VA) 1 $365,000 $365,000 $18,855 6.25%
Ponca City, OK (FHA|USDA|VA) 4 $360,000 $90,000 $3,217 4.75%
EAST STROUDSBURG, PA (FHA|USDA|VA) 2 $360,000 $180,000 $7,773 5.50%
North Wilkesboro, NC (FHA|USDA|VA) 1 $355,000 $355,000 $3,938 4.25%
BISMARCK, ND (FHA|USDA|VA) 1 $345,000 $345,000 $10,109 7.13%
Port Lavaca, TX (FHA|USDA|VA) 3 $345,000 $115,000 $4,466 4.38%
Richmond, IN (FHA|USDA|VA) 1 $325,000 $325,000 $7,667 6.25%
Manitowoc, WI (FHA|USDA|VA) 1 $325,000 $325,000 $3,647 6.63%
WENATCHEE, WA (FHA|USDA|VA) 1 $325,000 $325,000 $4,849 5.38%
Burley, ID (FHA|USDA|VA) 1 $325,000 $325,000 $7,898 5.75%
COLUMBUS, GA-AL (FHA|USDA|VA) 2 $320,000 $160,000 $5,371 5.06%
Malvern, AR (FHA|USDA|VA) 2 $320,000 $160,000 $2,866 4.69%
Shelby, NC (FHA|USDA|VA) 1 $315,000 $315,000 $16,164 5.63%
Watertown, SD (FHA|USDA|VA) 1 $315,000 $315,000 $27,171 3.38%
SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 3 $315,000 $105,000 $5,828 4.75%
MUNCIE, IN (FHA|USDA|VA) 1 $305,000 $305,000 $1,826 4.25%
Cookeville, TN (FHA|USDA|VA) 1 $305,000 $305,000 $6,295 5.88%
Portales, NM (FHA|USDA|VA) 3 $305,000 $101,667 $5,241 5.33%
Kendallville, IN (FHA|USDA|VA) 1 $295,000 $295,000 $7,949 5.75%
BLOOMINGTON, IN (FHA|USDA|VA) 1 $295,000 $295,000 $3,364 4.00%
Roanoke Rapids, NC (FHA|USDA|VA) 1 $295,000 $295,000 $2,975 7.63%
Cambridge, MD (FHA|USDA|VA) 1 $295,000 $295,000 $6,559 6.13%
Sweetwater, TX (FHA|USDA|VA) 2 $290,000 $145,000 $5,179 4.56%
GADSDEN, AL (FHA|USDA|VA) 1 $285,000 $285,000 $9,035 6.88%
Minot, ND (FHA|USDA|VA) 1 $285,000 $285,000 $6,389 4.63%
Lamesa, TX (FHA|USDA|VA) 1 $285,000 $285,000 $5,785 4.25%
Snyder, TX (FHA|USDA|VA) 3 $285,000 $95,000 $2,600 4.13%
Wilson, NC (FHA|USDA|VA) 1 $285,000 $285,000 $3,804 4.75%
SIOUX FALLS, SD (FHA|USDA|VA) 1 $285,000 $285,000 $8,334 3.88%
New Castle, PA (FHA|USDA|VA) 2 $280,000 $140,000 $6,969 4.44%
Nacogdoches, TX (FHA|USDA|VA) 1 $275,000 $275,000 $13,696 4.50%
Williston, ND (FHA|USDA|VA) 1 $275,000 $275,000 $0 3.88%
Klamath Falls, OR (FHA|USDA|VA) 1 $275,000 $275,000 $4,872 3.38%
WATERLOO-CEDAR FALLS, IA (FHA|USDA|VA) 1 $275,000 $275,000 $2,938 6.63%
Aberdeen, WA (FHA|USDA|VA) 1 $265,000 $265,000 $3,982 5.50%
Paris, TN (FHA|USDA|VA) 1 $265,000 $265,000 $2,986 5.38%
North Platte, NE (FHA|USDA|VA) 1 $265,000 $265,000 $4,334 6.00%
Laramie, WY (FHA|USDA|VA) 1 $265,000 $265,000 $4,835 2.50%
Bluefield, WV-VA (FHA|USDA|VA) 2 $260,000 $130,000 $2,863 4.19%
Levelland, TX (FHA|USDA|VA) 2 $260,000 $130,000 $7,697 5.19%
BOWLING GREEN, KY (FHA|USDA|VA) 1 $255,000 $255,000 $6,043 7.13%
Shelton, WA (FHA|USDA|VA) 1 $255,000 $255,000 $6,085 5.63%
Somerset, PA (FHA|USDA|VA) 1 $255,000 $255,000 $5,654 5.13%
Plainview, TX (FHA|USDA|VA) 2 $240,000 $120,000 $5,101 2.94%
JACKSON, MS (FHA|USDA|VA) 1 $235,000 $235,000 $5,791 3.13%
CANTON-MASSILLON, OH (FHA|USDA|VA) 1 $235,000 $235,000 $4,877 4.88%
BRUNSWICK, GA (FHA|USDA|VA) 1 $235,000 $235,000 $7,542 5.75%
Elkins, WV (FHA|USDA|VA) 1 $235,000 $235,000 $8,271 6.50%
ST. CLOUD, MN (FHA|USDA|VA) 1 $235,000 $235,000 $9,875 7.25%
JEFFERSON CITY, MO (FHA|USDA|VA) 2 $230,000 $115,000 $4,314 5.31%
Emporia, KS (FHA|USDA|VA) 2 $230,000 $115,000 $3,937 6.00%
MORGANTOWN, WV (FHA|USDA|VA) 1 $225,000 $225,000 $2,622 5.38%
Clovis, NM (FHA|USDA|VA) 3 $225,000 $75,000 $3,273 4.29%
Oil City, PA (FHA|USDA|VA) 2 $220,000 $110,000 $4,961 5.81%
MANHATTAN, KS (FHA|USDA|VA) 2 $220,000 $110,000 $1,911 4.81%
Price, UT (FHA|USDA|VA) 1 $215,000 $215,000 $3,771 5.25%
Dickinson, ND (FHA|USDA|VA) 1 $215,000 $215,000 $2,101 3.50%
Sanford, NC (FHA|USDA|VA) 1 $215,000 $215,000 $0 5.50%
Moscow, ID (FHA|USDA|VA) 1 $215,000 $215,000 $0 5.50%
LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 1 $215,000 $215,000 $4,253 5.63%
GRANTS PASS, OR (FHA|USDA|VA) 1 $205,000 $205,000 $8,502 3.38%
Hays, KS (FHA|USDA|VA) 1 $205,000 $205,000 $2,549 5.38%
Iron Mountain, MI-WI (FHA|USDA|VA) 1 $205,000 $205,000 $6,912 6.50%
FLORENCE, SC (FHA|USDA|VA) 1 $205,000 $205,000 $1,857 3.75%
Camden, AR (FHA|USDA|VA) 1 $205,000 $205,000 $5,420 5.63%
Ashland, OH (FHA|USDA|VA) 1 $205,000 $205,000 $365 4.13%
TERRE HAUTE, IN (FHA|USDA|VA) 2 $200,000 $100,000 $4,424 5.31%
Bedford, IN (FHA|USDA|VA) 2 $200,000 $100,000 $2,219 2.13%
Thomasville, GA (FHA|USDA|VA) 1 $195,000 $195,000 $3,344 6.25%
FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) 1 $195,000 $195,000 $2,798 4.75%
Crawfordsville, IN (FHA|USDA|VA) 1 $195,000 $195,000 $6,349 5.25%
Chillicothe, OH (FHA|USDA|VA) 2 $190,000 $95,000 $2,681 4.81%
ELKHART-GOSHEN, IN (FHA|USDA|VA) 2 $190,000 $95,000 $2,573 5.13%
Harrison, AR (FHA|USDA|VA) 1 $185,000 $185,000 $6,519 4.75%
Pampa, TX (FHA|USDA|VA) 1 $185,000 $185,000 $10,832 6.25%
Natchez, MS-LA (FHA|USDA|VA) 1 $185,000 $185,000 $0 4.88%
SIOUX CITY, IA-NE-SD (FHA|USDA|VA) 1 $185,000 $185,000 $3,656 5.63%
ROCKFORD, IL (FHA|USDA|VA) 2 $180,000 $90,000 $1,702 5.88%
GAINESVILLE, GA (FHA|USDA|VA) 1 $175,000 $175,000 $2,663 2.88%
LOUISVILLE, KY (FHA|USDA|VA) 1 $175,000 $175,000 $2,750 4.13%
CUMBERLAND, MD-WV (FHA|USDA|VA) 1 $175,000 $175,000 $3,513 5.25%
Paragould, AR (FHA|USDA|VA) 1 $165,000 $165,000 $2,566 3.88%
Cedartown, GA (FHA|USDA|VA) 1 $165,000 $165,000 $4,208 4.00%
Safford, AZ (FHA|USDA|VA) 1 $165,000 $165,000 $0 5.00%
Spirit Lake, IA (FHA|USDA|VA) 1 $155,000 $155,000 $6,062 3.50%
LAWRENCE, KS (FHA|USDA|VA) 1 $155,000 $155,000 $2,973 5.25%
Silver City, NM (FHA|USDA|VA) 2 $150,000 $75,000 $1,957 6.44%
Urbana, OH (FHA|USDA|VA) 2 $150,000 $75,000 $3,913 3.06%
Middlesborough, KY (FHA|USDA|VA) 1 $145,000 $145,000 $6,842 5.25%
Pecos, TX (FHA|USDA|VA) 1 $135,000 $135,000 $2,995 2.88%
Ottawa, KS (FHA|USDA|VA) 1 $135,000 $135,000 $3,744 6.50%
New Philadelphia-Dover, OH (FHA|USDA|VA) 1 $135,000 $135,000 $5,417 5.75%
Rochelle, IL (FHA|USDA|VA) 1 $135,000 $135,000 $0 6.00%
LYNCHBURG, VA (FHA|USDA|VA) 1 $135,000 $135,000 $3,987 3.75%
Lumberton, NC (FHA|USDA|VA) 1 $135,000 $135,000 $5,307 6.88%
El Dorado, AR (FHA|USDA|VA) 1 $135,000 $135,000 $4,094 3.75%
GAINESVILLE, FL (FHA|USDA|VA) 1 $135,000 $135,000 $0 4.00%
Glasgow, KY (FHA|USDA|VA) 1 $135,000 $135,000 $5,863 5.38%
Vernon, TX (FHA|USDA|VA) 2 $130,000 $65,000 $1,937 3.63%
Greenville, OH (FHA|USDA|VA) 1 $125,000 $125,000 $2,194 6.00%
Marshalltown, IA (FHA|USDA|VA) 1 $125,000 $125,000 $5,249 2.75%
Mount Vernon, OH (FHA|USDA|VA) 1 $125,000 $125,000 $2,720 6.25%
Traverse City, MI (FHA|USDA|VA) 1 $125,000 $125,000 $0 6.63%
Minden, LA (FHA|USDA|VA) 1 $115,000 $115,000 $2,925 5.13%
PINE BLUFF, AR (FHA|USDA|VA) 1 $115,000 $115,000 $2,527 5.63%
BILLINGS, MT (FHA|USDA|VA) 1 $115,000 $115,000 $0 6.00%
Meadville, PA (FHA|USDA|VA) 1 $115,000 $115,000 $3,034 3.88%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 1 $115,000 $115,000 $2,970 4.88%
Richmond-Berea, KY (FHA|USDA|VA) 1 $115,000 $115,000 $4,973 4.50%
Ashtabula, OH (FHA|USDA|VA) 1 $115,000 $115,000 $5,581 4.38%
Miami, OK (FHA|USDA|VA) 1 $105,000 $105,000 $3,152 5.75%
Hutchinson, MN (FHA|USDA|VA) 1 $105,000 $105,000 $3,090 4.38%
Roswell, NM (FHA|USDA|VA) 1 $105,000 $105,000 $0 6.00%
Hillsdale, MI (FHA|USDA|VA) 1 $105,000 $105,000 $4,939 5.00%
ALEXANDRIA, LA (FHA|USDA|VA) 1 $105,000 $105,000 $6,189 4.75%
GREENVILLE, NC (FHA|USDA|VA) 1 $105,000 $105,000 $0 5.38%
Warren, PA (FHA|USDA|VA) 1 $95,000 $95,000 $2,943 4.50%
YORK-HANOVER, PA (FHA|USDA|VA) 1 $85,000 $85,000 $5,229 4.75%
Moses Lake, WA (FHA|USDA|VA) 1 $75,000 $75,000 $4,766 5.38%
Auburn, IN (FHA|USDA|VA) 1 $75,000 $75,000 $3,358 5.88%
TUSCALOOSA, AL (FHA|USDA|VA) 1 $75,000 $75,000 $4,082 4.25%
Indiana, PA (FHA|USDA|VA) 1 $65,000 $65,000 $3,198 5.75%
Thomaston, GA (FHA|USDA|VA) 1 $65,000 $65,000 $0 6.63%
Connersville, IN (FHA|USDA|VA) 1 $65,000 $65,000 $2,282 2.75%
Peru, IN (FHA|USDA|VA) 1 $55,000 $55,000 $0 6.00%
Kearney, NE (FHA|USDA|VA) 1 $55,000 $55,000 $3,270 5.88%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 1 $35,000 $35,000 $0 7.63%
Helena-West Helena, AR (FHA|USDA|VA) 1 $25,000 $25,000 $2,312 4.75%
Gateway First Bank's top markets include Dallas, Houston, San Antonio, Oklahoma City, and Philadelphia among others.

Their top states include:
  • Texas (FHA|USDA|VA)
  • Oklahoma (FHA|USDA|VA)
  • New Jersey (FHA|USDA|VA)
  • South Carolina (FHA|USDA|VA)
  • Arkansas (FHA|USDA|VA)
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 12,623 $3,030,725,000 $240,095 $4,350 4.27%
    FHA 3,887 $899,435,000 $231,396 $8,086 5.26%
    VA 1,474 $487,870,000 $330,984 $8,668 4.75%
    USDA 432 $73,110,000 $169,236 $4,132 4.78%

    For 2022, Gateway First Bank's most frequently originated type of loan was Conventional, with 12,623 originations. Their 2nd most popular type was FHA, with 3,887 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 15,007 $3,644,755,000 $242,870 $5,472 4.53%
    Cash Out Refi 1,963 $496,115,000 $252,733 $6,215 4.60%
    Refi 1,145 $295,985,000 $258,502 $5,724 4.29%
    Other 289 $52,005,000 $179,948 $4,507 5.03%
    Home Improvement 12 $2,280,000 $190,000 $9,022 5.53%

    For 2022, Gateway First Bank's most frequently cited loan purpose was Home Purchase, with 15,007 originations. The 2nd most popular reason was Cash Out Refi, with 1,963 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 15,803 $4,119,715,000 $260,692 $6,123 4.88%
    15 Year 942 $182,690,000 $193,938 $4,082 4.00%
    3 Year 606 $23,130,000 $38,168 $1 0.04%
    10 Year 297 $13,625,000 $45,875 $830 2.02%
    5 Year 274 $24,870,000 $90,766 $1 0.17%
    20 Year 249 $55,145,000 $221,466 $4,730 4.22%
    Other 245 $71,965,000 $293,735 $1,996 3.27%

    For 2022, Gateway First Bank's most frequently cited loan duration was 30 Year, with 15,803 originations. The 2nd most popular length was 15 Year, with 942 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 6,647 $1,262,495,000 $189,935
    $1k-2k 4,557 $1,164,505,000 $255,542
    $2k-3k 1,884 $469,420,000 $249,161
    $5k+ 1,735 $660,335,000 $380,597
    $3k-4k 1,431 $378,435,000 $264,455
    $4k-5k 984 $292,200,000 $296,951

    Gateway First Bank's average total fees were $6,123, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 6,647 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    5-6% 5,190 $1,416,460,000 $272,921
    4-5% 4,508 $1,230,550,000 $272,970
    3-4% 3,586 $986,940,000 $275,220
    6-7% 2,286 $554,400,000 $242,520
    <2.5% 1,746 $33,960,000 $19,450
    7-8% 621 $147,145,000 $236,948
    2.5-3% 475 $121,665,000 $256,137
    Over 8% 4 $20,000 $5,000

    During 2022, Gateway First Bank's average interest rate for loans was 4.88%, while their most frequently originated rate bucket for loans was 5-6%, with 5,190 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 8,169 $2,303,755,000 $282,012 $6,650 4.99%
    $100k-200k 5,025 $777,055,000 $154,638 $4,700 5.01%
    $100,000 or less 2,693 $86,805,000 $32,234 $1,003 1.99%
    $400k-600k 2,068 $980,850,000 $474,299 $7,900 4.81%
    $600k-1MM 447 $292,765,000 $654,955 $9,635 4.79%
    $1MM+ 14 $49,910,000 $3,565,000 $22,111 5.25%

    2022 saw Gateway First Bank place emphasis on $200k-400k loans with 8,169 originations, totaling $2,303,755,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 4,890 $878,420,000 $179,636 $4,977 4.26%
    $100k-150k 3,935 $1,187,395,000 $301,752 $6,588 4.83%
    $75k-100k 3,851 $891,115,000 $231,398 $5,732 4.49%
    $50k or less 2,583 $324,525,000 $125,639 $3,869 4.19%
    $150k-250k 2,319 $840,795,000 $362,568 $6,522 4.89%
    $250k+ 796 $322,490,000 $405,138 $6,700 4.96%

    Gateway First Bank lent most frequently to those with incomes in the $50k-75k range, with 4,890 originations. The second most popular income band? $100k-150k, with 3,935 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    30-36% 2,874 $677,230,000 $235,640 $5,024 4.50%
    20-30% 2,521 $614,015,000 $243,560 $4,838 4.59%
    50-60% 1,787 $431,285,000 $241,346 $7,883 4.50%
    44% 966 $230,380,000 $238,489 $5,513 4.49%
    49% 918 $247,760,000 $269,891 $6,177 4.76%
    43% 908 $217,540,000 $239,581 $5,374 4.60%
    41% 798 $186,060,000 $233,158 $5,427 4.37%
    42% 780 $174,770,000 $224,064 $4,902 4.33%
    40% 742 $169,200,000 $228,032 $5,185 4.50%
    39% 724 $170,820,000 $235,939 $5,006 4.46%
    45% 724 $171,990,000 $237,555 $5,444 4.48%
    <20% 710 $167,850,000 $236,408 $4,709 4.54%
    46% 708 $176,120,000 $248,757 $5,845 4.56%
    37% 655 $158,565,000 $242,084 $5,367 4.53%
    38% 645 $154,065,000 $238,860 $5,031 4.46%
    47% 630 $163,410,000 $259,381 $5,694 4.53%
    48% 618 $165,390,000 $267,621 $6,228 4.86%
    36% 598 $141,980,000 $237,425 $5,387 4.47%
    >60% 67 $26,035,000 $388,582 $9,841 4.75%

    Gateway First Bank lent most frequently to those with DTI ratios of 30-36%, with 2,874 originations. The next most common DTI ratio? 20-30%, with 2,521 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 13,822 $3,392,870,000 $245,469 $5,509 4.60%
    Not provided 1,987 $480,905,000 $242,026 $5,777 4.42%
    Black 1,512 $303,700,000 $200,860 $5,471 3.91%
    Asian 411 $115,995,000 $282,226 $6,502 4.70%
    American Indian 473 $104,315,000 $220,539 $5,359 4.59%
    Not applicable 40 $46,060,000 $1,151,500 $0 5.33%
    Asian Indian 50 $17,760,000 $355,200 $7,131 5.05%
    Other Asian 33 $7,665,000 $232,273 $5,395 4.79%
    Filipino 22 $6,230,000 $283,182 $7,723 5.23%
    Other Pacific Islander 16 $4,640,000 $290,000 $6,816 4.48%
    Chinese 17 $2,955,000 $173,824 $3,721 4.27%
    Vietnamese 10 $2,790,000 $279,000 $7,915 4.04%
    Native Hawaiian or Islander 12 $2,430,000 $202,500 $5,913 4.72%
    Korean 6 $1,490,000 $248,333 $9,248 4.58%
    Guamanian 2 $520,000 $260,000 $6,514 5.44%
    Samoan 1 $285,000 $285,000 $0 3.88%
    Native Hawaiian 1 $275,000 $275,000 $9,623 7.13%
    Japanese 1 $255,000 $255,000 $0 3.75%

    Approval Rates

    Total approvals of all applications
    95.85%

    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
    63.40%

    Gateway First Bank has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 18,416 $4,491,140,000 $243,872

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    18,416 $4,491,140,000 $243,872

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 563 $93,175,000 $165,497 $3,852 4.70%
    40-60% 1,428 $360,240,000 $252,269 $4,975 4.60%
    60-80% 4,254 $1,176,080,000 $276,465 $5,816 4.87%
    80-100% 9,951 $2,706,115,000 $271,944 $6,340 5.08%
    Over 100% 342 $118,310,000 $345,936 $14,694 4.87%
    Under 20% 1,878 $37,220,000 $19,819 $173 0.68%

    Complaints

    Bank Name Product Issue 2022 CPFB Complaints % of Total Issues
    GATEWAY FIRST BANK VA mortgage Struggling to pay mortgage 1 100.0%