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

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

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Mortgage Data

  • SimulatedRates™
  • Bank Data

    Review & 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 by origination volume include: Dallas, Houston, San Antonio, New York, and Oklahoma City among others. We have data for 563 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 6.57% 10/3/22
    30 Year Conventional Refi 6.57% 10/3/22
    30 Year Cash-out Refi 6.79% 10/3/22
    30 Year FHA Purchase 7.74% 10/3/22
    30 Year FHA Refi 7.32% 10/3/22
    30 Year VA Purchase 6.42% 10/3/22
    30 Year VA Refi 6.02% 10/3/22
    30 Year USDA Purchase 6.70% 10/3/22
    30 Year USDA Refi 6.73% 10/3/22
    15 Year Conventional Purchase 6.02% 10/3/22
    15 Year Conventional Refi 6.17% 10/3/22
    15 Year Cash-out Refi 6.17% 10/3/22
    15 Year FHA Purchase 7.69% 10/3/22
    15 Year FHA Refi 7.30% 10/3/22
    15 Year VA Purchase 6.21% 10/3/22
    15 Year VA Refi 6.20% 10/3/22
    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.


    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 mortgage rate was 3.21%.

    The 2021 average 30 year fixed rate mortgage across all markets and lenders was 3.15%.

    This yields a difference of 0.06%.

    Relative Fees (Closing Costs)

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

    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) 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.

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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. 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 2021, Gateway First Bank's most frequently originated type of loan was Conventional, with 25,750 originations. Their 2nd most popular type was FHA, with 6,606 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. 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 2021, Gateway First Bank's most frequently cited loan purpose was Home Purchase, with 22,728 originations. The 2nd most popular reason was 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 2021, Gateway First Bank's most frequently cited loan duration was 30 Year, with 29,094 originations. The 2nd most popular length was 15 Year, with 3,459 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost 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 1,305 $372,645,000 $285,552
    $4k-5k 682 $211,700,000 $310,411
    $5k+ 663 $249,475,000 $376,282

    Gateway First Bank's average total fees were $4,742, while their most frequently occuring range of origination fees (closing costs) 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 for loans was 3.21%, while their most frequently originated rate bucket for loans was 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 or Islander 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 Hawaiian 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
    95.93%

    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
    73.55%

    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