Gateway First Bank Mortgage Rates, Fees & Info
OKLAHOMA CITY, OKLEI: 54930034MNPILHP25H80
Tax ID: 73-1577221
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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 525 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 a low 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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 6.76% | 12/17/24 |
| 30 Year Conventional Refi | 6.65% | 12/17/24 |
| 30 Year Cash-out Refi | 6.88% | 12/17/24 |
| 30 Year FHA Purchase | 7.72% | 12/17/24 |
| 30 Year FHA Refi | 7.42% | 12/17/24 |
| 30 Year VA Purchase | 6.33% | 12/17/24 |
| 30 Year VA Refi | 6.13% | 12/17/24 |
| 30 Year USDA Purchase | 6.76% | 12/17/24 |
| 30 Year USDA Refi | 6.19% | 12/17/24 |
| 15 Year Conventional Purchase | 6.45% | 12/17/24 |
| 15 Year Conventional Refi | 6.09% | 12/17/24 |
| 15 Year Cash-out Refi | 6.09% | 12/17/24 |
| 15 Year FHA Purchase | 7.12% | 12/17/24 |
| 15 Year FHA Refi | 7.73% | 12/17/24 |
| 15 Year VA Purchase | 5.96% | 12/17/24 |
| 15 Year VA Refi | 6.16% | 12/17/24 |
| 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
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
39,597Origination Dollar Volume (All Markets)
$8,769,665,000Employee count
1,584Awards
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Gateway First Bank - 2020
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For 2020, less than of lenders were eligible for this award.
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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) | 3,882 | $939,990,000 | $242,141 | $4,301 | 3.15% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 3,790 | $813,610,000 | $214,673 | $4,582 | 3.08% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 1,722 | $397,620,000 | $230,906 | $4,690 | 3.09% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 1,073 | $352,205,000 | $328,243 | $4,402 | 3.06% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 1,622 | $347,900,000 | $214,488 | $3,232 | 3.09% |
| TULSA, OK (FHA|USDA|VA) | 1,456 | $312,650,000 | $214,732 | $3,465 | 3.10% |
| Outside of Metro Areas | 1,418 | $269,150,000 | $189,810 | $3,499 | 3.18% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 1,272 | $249,190,000 | $195,904 | $3,661 | 2.91% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 1,121 | $240,525,000 | $214,563 | $2,066 | 3.02% |
| KNOXVILLE, TN (FHA|USDA|VA) | 994 | $216,700,000 | $218,008 | $3,462 | 3.17% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 755 | $197,195,000 | $261,185 | $3,261 | 3.09% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 811 | $189,065,000 | $233,126 | $1,955 | 2.95% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 583 | $171,345,000 | $293,902 | $4,075 | 2.93% |
| WICHITA, KS (FHA|USDA|VA) | 717 | $139,085,000 | $193,982 | $2,988 | 3.06% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 515 | $137,185,000 | $266,379 | $4,303 | 3.05% |
| RAPID CITY, SD (FHA|USDA|VA) | 602 | $133,400,000 | $221,595 | $3,650 | 3.00% |
| BOISE CITY, ID (FHA|USDA|VA) | 502 | $129,160,000 | $257,291 | $4,708 | 3.15% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 452 | $127,650,000 | $282,412 | $4,484 | 3.34% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 558 | $108,670,000 | $194,749 | $3,139 | 3.21% |
| SANTA FE, NM (FHA|USDA|VA) | 364 | $107,760,000 | $296,044 | $3,726 | 3.30% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 454 | $95,480,000 | $210,308 | $3,979 | 2.92% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 412 | $94,140,000 | $228,495 | $4,346 | 3.00% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 410 | $91,860,000 | $224,049 | $4,592 | 2.94% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 384 | $85,700,000 | $223,177 | $2,505 | 3.00% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 255 | $83,595,000 | $327,824 | $3,490 | 3.15% |
| BATON ROUGE, LA (FHA|USDA|VA) | 573 | $74,515,000 | $130,044 | $2,613 | 2.26% |
| SAN ANGELO, TX (FHA|USDA|VA) | 368 | $69,270,000 | $188,234 | $4,230 | 3.13% |
| PROVO-OREM, UT (FHA|USDA|VA) | 261 | $68,895,000 | $263,966 | $4,028 | 3.40% |
| BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) | 309 | $67,875,000 | $219,660 | $5,025 | 3.28% |
| CHARLESTON, WV (FHA|USDA|VA) | 387 | $62,325,000 | $161,047 | $3,365 | 3.33% |
| FORT COLLINS, CO (FHA|USDA|VA) | 175 | $55,295,000 | $315,971 | $4,211 | 2.98% |
| Los Alamos, NM (FHA|USDA|VA) | 166 | $49,740,000 | $299,639 | $3,991 | 3.22% |
| SUMTER, SC (FHA|USDA|VA) | 297 | $48,435,000 | $163,081 | $3,413 | 3.04% |
| GREELEY, CO (FHA|USDA|VA) | 154 | $46,420,000 | $301,429 | $4,084 | 3.02% |
| Georgetown, SC (FHA|USDA|VA) | 189 | $45,775,000 | $242,196 | $3,553 | 3.08% |
| Cullman, AL (FHA|USDA|VA) | 251 | $45,015,000 | $179,343 | $2,768 | 3.06% |
| IDAHO FALLS, ID (FHA|USDA|VA) | 213 | $43,955,000 | $206,362 | $4,511 | 3.24% |
| TYLER, TX (FHA|USDA|VA) | 217 | $41,865,000 | $192,926 | $4,555 | 3.22% |
| Spearfish, SD (FHA|USDA|VA) | 141 | $40,245,000 | $285,426 | $2,613 | 3.05% |
| RENO, NV (FHA|USDA|VA) | 133 | $40,065,000 | $301,241 | $5,010 | 3.17% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 153 | $38,775,000 | $253,431 | $4,334 | 3.18% |
| ABILENE, TX (FHA|USDA|VA) | 195 | $37,345,000 | $191,513 | $4,337 | 3.21% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 194 | $37,300,000 | $192,268 | $2,789 | 3.20% |
| MIDLAND, TX (FHA|USDA|VA) | 137 | $35,335,000 | $257,920 | $5,370 | 3.25% |
| Granbury, TX (FHA|USDA|VA) | 151 | $33,285,000 | $220,430 | $4,401 | 3.13% |
| Durant, OK (FHA|USDA|VA) | 185 | $33,205,000 | $179,486 | $4,037 | 3.31% |
| Bay City, TX (FHA|USDA|VA) | 184 | $33,140,000 | $180,109 | $3,945 | 3.11% |
| HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) | 168 | $33,000,000 | $196,429 | $3,823 | 3.18% |
| Ada, OK (FHA|USDA|VA) | 196 | $31,650,000 | $161,480 | $2,713 | 3.19% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 111 | $31,405,000 | $282,928 | $4,434 | 3.32% |
| ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) | 153 | $31,125,000 | $203,431 | $3,279 | 2.90% |
| ODESSA, TX (FHA|USDA|VA) | 131 | $29,795,000 | $227,443 | $5,282 | 3.27% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 104 | $29,180,000 | $280,577 | $1,607 | 3.11% |
| LAWTON, OK (FHA|USDA|VA) | 174 | $28,890,000 | $166,034 | $3,063 | 3.23% |
| Greeneville, TN (FHA|USDA|VA) | 149 | $27,855,000 | $186,946 | $3,435 | 3.16% |
| BEND, OR (FHA|USDA|VA) | 85 | $27,685,000 | $325,706 | $5,949 | 3.27% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 108 | $27,030,000 | $250,278 | $3,289 | 3.14% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 72 | $26,970,000 | $374,583 | $4,749 | 3.48% |
| ENID, OK (FHA|USDA|VA) | 177 | $26,415,000 | $149,237 | $2,997 | 3.19% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 113 | $26,315,000 | $232,876 | $3,778 | 3.41% |
| GRAND ISLAND, NE (FHA|USDA|VA) | 164 | $26,300,000 | $160,366 | $2,492 | 3.02% |
| Alamogordo, NM (FHA|USDA|VA) | 166 | $25,900,000 | $156,024 | $3,782 | 3.47% |
| READING, PA (FHA|USDA|VA) | 128 | $25,140,000 | $196,406 | $3,879 | 3.08% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 87 | $24,765,000 | $284,655 | $4,381 | 3.12% |
| YUMA, AZ (FHA|USDA|VA) | 121 | $24,675,000 | $203,926 | $3,866 | 3.07% |
| FORT SMITH, AR-OK (FHA|USDA|VA) | 156 | $23,800,000 | $152,564 | $2,306 | 3.16% |
| SPRINGFIELD, MO (FHA|USDA|VA) | 125 | $23,135,000 | $185,080 | $970 | 3.16% |
| LAS CRUCES, NM (FHA|USDA|VA) | 117 | $22,895,000 | $195,684 | $3,465 | 3.45% |
| WACO, TX (FHA|USDA|VA) | 105 | $22,535,000 | $214,619 | $4,453 | 3.14% |
| VINELAND-BRIDGETON, NJ (FHA|USDA|VA) | 168 | $22,190,000 | $132,083 | $3,323 | 2.77% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 104 | $21,570,000 | $207,404 | $4,549 | 3.23% |
| JOPLIN, MO (FHA|USDA|VA) | 130 | $21,420,000 | $164,769 | $2,045 | 3.22% |
| HAMMOND, LA (FHA|USDA|VA) | 130 | $21,400,000 | $164,615 | $3,119 | 2.80% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 59 | $20,285,000 | $343,814 | $5,146 | 3.19% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 102 | $19,970,000 | $195,784 | $3,467 | 3.24% |
| COLUMBUS, OH (FHA|USDA|VA) | 91 | $19,955,000 | $219,286 | $3,727 | 3.30% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 75 | $19,205,000 | $256,067 | $2,938 | 2.84% |
| MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) | 97 | $18,795,000 | $193,763 | $4,397 | 3.10% |
| McPherson, KS (FHA|USDA|VA) | 104 | $17,740,000 | $170,577 | $2,757 | 3.14% |
| Sevierville, TN (FHA|USDA|VA) | 74 | $16,860,000 | $227,838 | $3,450 | 3.26% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 73 | $16,725,000 | $229,110 | $4,724 | 3.01% |
| LINCOLN, NE (FHA|USDA|VA) | 71 | $15,555,000 | $219,085 | $1,872 | 3.01% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 90 | $15,420,000 | $171,333 | $3,542 | 2.49% |
| LONGVIEW, WA (FHA|USDA|VA) | 61 | $15,015,000 | $246,148 | $3,694 | 3.07% |
| PITTSBURGH, PA (FHA|USDA|VA) | 81 | $14,835,000 | $183,148 | $3,605 | 3.37% |
| Ardmore, OK (FHA|USDA|VA) | 84 | $14,630,000 | $174,167 | $3,470 | 3.30% |
| Sedalia, MO (FHA|USDA|VA) | 88 | $13,750,000 | $156,250 | $2,306 | 3.14% |
| Russellville, AR (FHA|USDA|VA) | 65 | $13,595,000 | $209,154 | $370 | 3.03% |
| DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) | 59 | $13,035,000 | $220,932 | $479 | 2.87% |
| LONGVIEW, TX (FHA|USDA|VA) | 69 | $12,945,000 | $187,609 | $4,177 | 3.37% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 73 | $12,705,000 | $174,041 | $3,552 | 3.08% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 41 | $11,905,000 | $290,366 | $2,944 | 2.94% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 59 | $11,575,000 | $196,186 | $2,339 | 3.23% |
| LAREDO, TX (FHA|USDA|VA) | 70 | $11,520,000 | $164,571 | $4,836 | 3.23% |
| WILMINGTON, NC (FHA|USDA|VA) | 51 | $11,455,000 | $224,608 | $2,996 | 3.25% |
| MANSFIELD, OH (FHA|USDA|VA) | 76 | $10,960,000 | $144,211 | $3,122 | 3.39% |
| Athens, TN (FHA|USDA|VA) | 62 | $10,660,000 | $171,935 | $3,198 | 3.34% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 46 | $10,440,000 | $226,957 | $4,384 | 3.16% |
| EL PASO, TX (FHA|USDA|VA) | 57 | $10,375,000 | $182,018 | $3,964 | 2.97% |
| LUBBOCK, TX (FHA|USDA|VA) | 54 | $10,180,000 | $188,519 | $3,440 | 3.11% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 44 | $10,030,000 | $227,955 | $3,827 | 3.39% |
| Carlsbad-Artesia, NM (FHA|USDA|VA) | 54 | $9,930,000 | $183,889 | $4,666 | 3.85% |
| OCEAN CITY, NJ (FHA|USDA|VA) | 30 | $9,750,000 | $325,000 | $3,823 | 3.25% |
| MORRISTOWN, TN (FHA|USDA|VA) | 43 | $9,285,000 | $215,930 | $3,054 | 3.15% |
| Athens, TX (FHA|USDA|VA) | 50 | $8,920,000 | $178,400 | $4,027 | 3.08% |
| Shawnee, OK (FHA|USDA|VA) | 48 | $8,840,000 | $184,167 | $3,006 | 3.23% |
| COLUMBIA, SC (FHA|USDA|VA) | 40 | $8,840,000 | $221,000 | $4,205 | 2.94% |
| Corsicana, TX (FHA|USDA|VA) | 45 | $8,785,000 | $195,222 | $3,787 | 3.45% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 37 | $8,255,000 | $223,108 | $4,415 | 3.27% |
| SHERMAN-DENISON, TX (FHA|USDA|VA) | 39 | $8,155,000 | $209,103 | $3,760 | 3.12% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 53 | $8,035,000 | $151,604 | $3,171 | 3.40% |
| Blackfoot, ID (FHA|USDA|VA) | 37 | $7,675,000 | $207,432 | $5,393 | 3.39% |
| El Campo, TX (FHA|USDA|VA) | 46 | $7,380,000 | $160,435 | $3,526 | 3.23% |
| BOULDER, CO (FHA|USDA|VA) | 24 | $7,350,000 | $306,250 | $3,484 | 3.07% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 22 | $7,290,000 | $331,364 | $3,846 | 3.23% |
| ST. GEORGE, UT (FHA|USDA|VA) | 28 | $6,970,000 | $248,929 | $3,714 | 3.22% |
| AMARILLO, TX (FHA|USDA|VA) | 33 | $6,885,000 | $208,636 | $3,895 | 3.04% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 25 | $6,855,000 | $274,200 | $3,856 | 3.03% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 24 | $6,810,000 | $283,750 | $4,406 | 3.26% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 28 | $6,380,000 | $227,857 | $3,884 | 3.25% |
| Rockport, TX (FHA|USDA|VA) | 28 | $6,330,000 | $226,071 | $4,316 | 3.11% |
| TEXARKANA, TX-AR (FHA|USDA|VA) | 42 | $5,940,000 | $141,429 | $1,347 | 3.10% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 32 | $5,780,000 | $180,625 | $2,329 | 2.92% |
| Heber, UT (FHA|USDA|VA) | 14 | $5,740,000 | $410,000 | $5,159 | 2.94% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 16 | $5,740,000 | $358,750 | $4,943 | 3.40% |
| Ashland, OH (FHA|USDA|VA) | 46 | $5,570,000 | $121,087 | $3,072 | 3.57% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 26 | $5,380,000 | $206,923 | $5,092 | 2.92% |
| McAlester, OK (FHA|USDA|VA) | 23 | $5,285,000 | $229,783 | $3,686 | 3.28% |
| Lawrenceburg, TN (FHA|USDA|VA) | 26 | $4,910,000 | $188,846 | $557 | 2.97% |
| JACKSONVILLE, NC (FHA|USDA|VA) | 28 | $4,890,000 | $174,643 | $3,464 | 3.50% |
| Port Angeles, WA (FHA|USDA|VA) | 18 | $4,850,000 | $269,444 | $4,351 | 3.61% |
| LAKE CHARLES, LA (FHA|USDA|VA) | 16 | $4,820,000 | $301,250 | $168 | 2.81% |
| Hutchinson, KS (FHA|USDA|VA) | 29 | $4,795,000 | $165,345 | $2,698 | 3.06% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 16 | $4,750,000 | $296,875 | $4,116 | 3.20% |
| Stillwater, OK (FHA|USDA|VA) | 28 | $4,640,000 | $165,714 | $3,363 | 3.26% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 18 | $4,620,000 | $256,667 | $4,200 | 3.31% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 17 | $4,365,000 | $256,765 | $3,322 | 3.03% |
| Española, NM (FHA|USDA|VA) | 19 | $4,225,000 | $222,368 | $4,005 | 3.01% |
| LANCASTER, PA (FHA|USDA|VA) | 20 | $4,190,000 | $209,500 | $3,386 | 3.12% |
| Mineral Wells, TX (FHA|USDA|VA) | 26 | $4,160,000 | $160,000 | $4,792 | 3.32% |
| Rexburg, ID (FHA|USDA|VA) | 19 | $4,095,000 | $215,526 | $4,426 | 3.17% |
| HOT SPRINGS, AR (FHA|USDA|VA) | 18 | $4,070,000 | $226,111 | $2,473 | 2.90% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 14 | $4,020,000 | $287,143 | $5,473 | 3.20% |
| BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) | 22 | $4,010,000 | $182,273 | $3,599 | 3.32% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 16 | $3,900,000 | $243,750 | $3,578 | 3.16% |
| Bartlesville, OK (FHA|USDA|VA) | 22 | $3,790,000 | $172,273 | $3,376 | 3.05% |
| SIOUX CITY, IA-NE-SD (FHA|USDA|VA) | 25 | $3,775,000 | $151,000 | $607 | 3.30% |
| CARSON CITY, NV (FHA|USDA|VA) | 15 | $3,725,000 | $248,333 | $5,383 | 3.68% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 17 | $3,675,000 | $216,176 | $3,988 | 3.15% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 14 | $3,640,000 | $260,000 | $4,614 | 3.43% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 14 | $3,530,000 | $252,143 | $2,186 | 3.02% |
| Morehead City, NC (FHA|USDA|VA) | 15 | $3,515,000 | $234,333 | $2,395 | 3.05% |
| SAVANNAH, GA (FHA|USDA|VA) | 16 | $3,350,000 | $209,375 | $2,816 | 3.05% |
| Jacksonville, TX (FHA|USDA|VA) | 20 | $3,300,000 | $165,000 | $4,279 | 3.06% |
| Stephenville, TX (FHA|USDA|VA) | 12 | $3,290,000 | $274,167 | $4,206 | 3.21% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 14 | $3,190,000 | $227,857 | $2,844 | 3.11% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 14 | $3,170,000 | $226,429 | $3,098 | 3.14% |
| CLEVELAND, TN (FHA|USDA|VA) | 16 | $3,080,000 | $192,500 | $3,084 | 3.09% |
| Zapata, TX (FHA|USDA|VA) | 21 | $3,075,000 | $146,429 | $4,016 | 3.39% |
| POCATELLO, ID (FHA|USDA|VA) | 18 | $3,040,000 | $168,889 | $3,178 | 3.28% |
| DECATUR, AL (FHA|USDA|VA) | 19 | $3,015,000 | $158,684 | $2,679 | 2.98% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 14 | $3,010,000 | $215,000 | $4,755 | 3.00% |
| Altus, OK (FHA|USDA|VA) | 21 | $2,875,000 | $136,905 | $2,962 | 3.18% |
| Prineville, OR (FHA|USDA|VA) | 10 | $2,870,000 | $287,000 | $7,453 | 3.18% |
| Crossville, TN (FHA|USDA|VA) | 16 | $2,860,000 | $178,750 | $3,565 | 3.16% |
| Dayton, TN (FHA|USDA|VA) | 15 | $2,805,000 | $187,000 | $2,904 | 3.28% |
| Fremont, NE (FHA|USDA|VA) | 18 | $2,790,000 | $155,000 | $1,913 | 2.91% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 15 | $2,785,000 | $185,667 | $3,258 | 3.10% |
| SIOUX FALLS, SD (FHA|USDA|VA) | 11 | $2,765,000 | $251,364 | $2,646 | 3.06% |
| Las Vegas, NM (FHA|USDA|VA) | 11 | $2,705,000 | $245,909 | $3,203 | 3.44% |
| RICHMOND, VA (FHA|USDA|VA) | 10 | $2,630,000 | $263,000 | $3,380 | 2.83% |
| Ontario, OR-ID (FHA|USDA|VA) | 14 | $2,560,000 | $182,857 | $4,468 | 2.91% |
| BECKLEY, WV (FHA|USDA|VA) | 18 | $2,480,000 | $137,778 | $3,752 | 3.35% |
| Mount Gay-Shamrock, WV (FHA|USDA|VA) | 15 | $2,385,000 | $159,000 | $3,859 | 3.67% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 12 | $2,360,000 | $196,667 | $3,347 | 3.16% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 15 | $2,355,000 | $157,000 | $3,270 | 3.83% |
| LEBANON, PA (FHA|USDA|VA) | 12 | $2,310,000 | $192,500 | $3,463 | 3.36% |
| JOHNSON CITY, TN (FHA|USDA|VA) | 12 | $2,310,000 | $192,500 | $4,114 | 3.18% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 8 | $2,270,000 | $283,750 | $3,361 | 3.03% |
| MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) | 10 | $2,250,000 | $225,000 | $4,822 | 2.95% |
| Eagle Pass, TX (FHA|USDA|VA) | 14 | $2,240,000 | $160,000 | $3,824 | 3.11% |
| Kearney, NE (FHA|USDA|VA) | 10 | $2,230,000 | $223,000 | $2,226 | 2.88% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 11 | $2,185,000 | $198,636 | $3,186 | 2.72% |
| TWIN FALLS, ID (FHA|USDA|VA) | 11 | $2,175,000 | $197,727 | $4,160 | 3.44% |
| Andrews, TX (FHA|USDA|VA) | 8 | $2,170,000 | $271,250 | $5,961 | 3.30% |
| Duncan, OK (FHA|USDA|VA) | 22 | $2,160,000 | $98,182 | $2,887 | 3.53% |
| Fernley, NV (FHA|USDA|VA) | 10 | $2,140,000 | $214,000 | $4,899 | 3.19% |
| Huntsville, TX (FHA|USDA|VA) | 9 | $2,135,000 | $237,222 | $4,471 | 3.24% |
| Lebanon, MO (FHA|USDA|VA) | 13 | $2,125,000 | $163,462 | $195 | 3.18% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 4 | $2,090,000 | $522,500 | $5,098 | 2.91% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 7 | $2,075,000 | $296,429 | $3,706 | 3.32% |
| Tahlequah, OK (FHA|USDA|VA) | 9 | $2,025,000 | $225,000 | $3,829 | 3.01% |
| CHEYENNE, WY (FHA|USDA|VA) | 6 | $2,020,000 | $336,667 | $3,448 | 3.19% |
| Kerrville, TX (FHA|USDA|VA) | 10 | $1,990,000 | $199,000 | $4,622 | 3.00% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 8 | $1,920,000 | $240,000 | $4,114 | 3.25% |
| Dodge City, KS (FHA|USDA|VA) | 13 | $1,915,000 | $147,308 | $3,465 | 3.19% |
| Gillette, WY (FHA|USDA|VA) | 8 | $1,910,000 | $238,750 | $3,341 | 3.20% |
| GAINESVILLE, GA (FHA|USDA|VA) | 4 | $1,820,000 | $455,000 | $2,528 | 2.84% |
| Palestine, TX (FHA|USDA|VA) | 14 | $1,800,000 | $128,571 | $3,698 | 3.13% |
| TUCSON, AZ (FHA|USDA|VA) | 7 | $1,785,000 | $255,000 | $5,372 | 3.29% |
| Paris, TX (FHA|USDA|VA) | 11 | $1,785,000 | $162,273 | $1,943 | 2.89% |
| Lewisburg, TN (FHA|USDA|VA) | 7 | $1,755,000 | $250,714 | $2,383 | 3.45% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 6 | $1,750,000 | $291,667 | $4,897 | 2.65% |
| Ponca City, OK (FHA|USDA|VA) | 11 | $1,725,000 | $156,818 | $3,475 | 3.23% |
| Bonham, TX (FHA|USDA|VA) | 10 | $1,720,000 | $172,000 | $4,049 | 3.38% |
| LAFAYETTE, LA (FHA|USDA|VA) | 9 | $1,715,000 | $190,556 | $4,151 | 2.98% |
| DOVER, DE (FHA|USDA|VA) | 7 | $1,705,000 | $243,571 | $3,898 | 3.30% |
| HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) | 8 | $1,690,000 | $211,250 | $4,371 | 2.91% |
| Mount Pleasant, TX (FHA|USDA|VA) | 8 | $1,670,000 | $208,750 | $4,186 | 3.28% |
| WICHITA FALLS, TX (FHA|USDA|VA) | 11 | $1,645,000 | $149,545 | $3,614 | 3.07% |
| HOUMA-THIBODAUX, LA (FHA|USDA|VA) | 11 | $1,635,000 | $148,636 | $2,567 | 2.45% |
| Pottsville, PA (FHA|USDA|VA) | 8 | $1,630,000 | $203,750 | $3,345 | 3.33% |
| Ruidoso, NM (FHA|USDA|VA) | 9 | $1,615,000 | $179,444 | $3,264 | 3.78% |
| LOGAN, UT-ID (FHA|USDA|VA) | 5 | $1,615,000 | $323,000 | $9,302 | 2.73% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 7 | $1,605,000 | $229,286 | $3,764 | 3.50% |
| Salina, KS (FHA|USDA|VA) | 8 | $1,600,000 | $200,000 | $3,946 | 3.52% |
| PUEBLO, CO (FHA|USDA|VA) | 8 | $1,560,000 | $195,000 | $4,865 | 3.56% |
| Durango, CO (FHA|USDA|VA) | 5 | $1,545,000 | $309,000 | $3,674 | 3.28% |
| KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) | 10 | $1,520,000 | $152,000 | $3,512 | 3.39% |
| Hailey, ID (FHA|USDA|VA) | 6 | $1,520,000 | $253,333 | $5,348 | 3.10% |
| Searcy, AR (FHA|USDA|VA) | 9 | $1,515,000 | $168,333 | $1,901 | 3.19% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 5 | $1,505,000 | $301,000 | $6,552 | 2.83% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 6 | $1,470,000 | $245,000 | $5,523 | 3.29% |
| Warrensburg, MO (FHA|USDA|VA) | 6 | $1,450,000 | $241,667 | $2,257 | 3.04% |
| Albertville, AL (FHA|USDA|VA) | 10 | $1,440,000 | $144,000 | $2,559 | 3.24% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 9 | $1,435,000 | $159,444 | $3,065 | 3.39% |
| St. Marys, GA (FHA|USDA|VA) | 8 | $1,410,000 | $176,250 | $3,744 | 2.92% |
| Taos, NM (FHA|USDA|VA) | 5 | $1,405,000 | $281,000 | $2,878 | 3.05% |
| PANAMA CITY, FL (FHA|USDA|VA) | 6 | $1,400,000 | $233,333 | $4,915 | 3.04% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 7 | $1,355,000 | $193,571 | $2,497 | 3.00% |
| PARKERSBURG-VIENNA, WV (FHA|USDA|VA) | 8 | $1,340,000 | $167,500 | $3,102 | 3.58% |
| Miami, OK (FHA|USDA|VA) | 4 | $1,310,000 | $327,500 | $2,772 | 2.91% |
| GRAND JUNCTION, CO (FHA|USDA|VA) | 7 | $1,295,000 | $185,000 | $3,304 | 3.16% |
| TOLEDO, OH (FHA|USDA|VA) | 8 | $1,290,000 | $161,250 | $3,851 | 3.61% |
| Fredericksburg, TX (FHA|USDA|VA) | 5 | $1,285,000 | $257,000 | $3,787 | 2.90% |
| Weatherford, OK (FHA|USDA|VA) | 8 | $1,280,000 | $160,000 | $2,933 | 3.17% |
| Mountain Home, ID (FHA|USDA|VA) | 8 | $1,270,000 | $158,750 | $5,313 | 3.25% |
| ASHEVILLE, NC (FHA|USDA|VA) | 6 | $1,270,000 | $211,667 | $2,282 | 3.40% |
| Cañon City, CO (FHA|USDA|VA) | 8 | $1,250,000 | $156,250 | $4,272 | 2.97% |
| Brownwood, TX (FHA|USDA|VA) | 8 | $1,240,000 | $155,000 | $3,278 | 3.47% |
| HARRISBURG-CARLISLE, PA (FHA|USDA|VA) | 7 | $1,235,000 | $176,429 | $3,859 | 3.21% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 4 | $1,200,000 | $300,000 | $1,321 | 3.00% |
| Brenham, TX (FHA|USDA|VA) | 6 | $1,180,000 | $196,667 | $4,131 | 3.25% |
| Lufkin, TX (FHA|USDA|VA) | 9 | $1,165,000 | $129,444 | $3,402 | 3.01% |
| Tullahoma-Manchester, TN (FHA|USDA|VA) | 3 | $1,165,000 | $388,333 | $2,340 | 2.88% |
| MORGANTOWN, WV (FHA|USDA|VA) | 9 | $1,165,000 | $129,444 | $2,002 | 3.11% |
| VICTORIA, TX (FHA|USDA|VA) | 7 | $1,165,000 | $166,429 | $3,080 | 3.30% |
| GULFPORT-BILOXI, MS (FHA|USDA|VA) | 7 | $1,135,000 | $162,143 | $1,755 | 3.16% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 4 | $1,120,000 | $280,000 | $2,743 | 2.97% |
| Gainesville, TX (FHA|USDA|VA) | 4 | $1,080,000 | $270,000 | $2,029 | 2.66% |
| Sandpoint, ID (FHA|USDA|VA) | 3 | $1,075,000 | $358,333 | $8,650 | 2.92% |
| Sulphur Springs, TX (FHA|USDA|VA) | 7 | $1,075,000 | $153,571 | $3,019 | 3.68% |
| ROANOKE, VA (FHA|USDA|VA) | 5 | $1,075,000 | $215,000 | $3,992 | 3.60% |
| NEW BERN, NC (FHA|USDA|VA) | 4 | $1,070,000 | $267,500 | $5,725 | 2.97% |
| Wilmington, OH (FHA|USDA|VA) | 8 | $1,070,000 | $133,750 | $3,351 | 3.77% |
| YORK-HANOVER, PA (FHA|USDA|VA) | 5 | $1,065,000 | $213,000 | $3,766 | 2.78% |
| Edwards, CO (FHA|USDA|VA) | 2 | $1,050,000 | $525,000 | $1,955 | 2.94% |
| DULUTH, MN-WI (FHA|USDA|VA) | 6 | $1,020,000 | $170,000 | $2,371 | 3.44% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 6 | $1,000,000 | $166,667 | $2,735 | 3.35% |
| FARMINGTON, NM (FHA|USDA|VA) | 6 | $990,000 | $165,000 | $3,511 | 3.50% |
| Roswell, NM (FHA|USDA|VA) | 4 | $990,000 | $247,500 | $4,980 | 3.19% |
| KENNEWICK-RICHLAND, WA (FHA|USDA|VA) | 4 | $980,000 | $245,000 | $3,118 | 3.31% |
| Winfield, KS (FHA|USDA|VA) | 6 | $980,000 | $163,333 | $3,067 | 3.08% |
| Price, UT (FHA|USDA|VA) | 6 | $970,000 | $161,667 | $3,869 | 3.29% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 4 | $970,000 | $242,500 | $4,203 | 3.28% |
| Dickinson, ND (FHA|USDA|VA) | 3 | $965,000 | $321,667 | $1,802 | 2.83% |
| Mount Vernon, OH (FHA|USDA|VA) | 5 | $965,000 | $193,000 | $3,567 | 3.90% |
| EAST STROUDSBURG, PA (FHA|USDA|VA) | 6 | $950,000 | $158,333 | $3,976 | 3.29% |
| Nacogdoches, TX (FHA|USDA|VA) | 5 | $935,000 | $187,000 | $6,005 | 3.45% |
| WALLA WALLA, WA (FHA|USDA|VA) | 3 | $935,000 | $311,667 | $4,033 | 3.04% |
| Deming, NM (FHA|USDA|VA) | 7 | $935,000 | $133,571 | $3,530 | 3.16% |
| Sterling, IL (FHA|USDA|VA) | 10 | $930,000 | $93,000 | $2,661 | 4.18% |
| DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) | 6 | $920,000 | $153,333 | $1,953 | 3.54% |
| Gardnerville Ranchos, NV (FHA|USDA|VA) | 3 | $915,000 | $305,000 | $3,227 | 3.46% |
| CHARLOTTESVILLE, VA (FHA|USDA|VA) | 3 | $915,000 | $305,000 | $2,204 | 3.21% |
| Point Pleasant, WV-OH (FHA|USDA|VA) | 6 | $910,000 | $151,667 | $3,896 | 3.27% |
| Muskogee, OK (FHA|USDA|VA) | 5 | $895,000 | $179,000 | $2,881 | 3.30% |
| Branson, MO (FHA|USDA|VA) | 4 | $890,000 | $222,500 | $1,833 | 3.53% |
| TUSCALOOSA, AL (FHA|USDA|VA) | 4 | $880,000 | $220,000 | $2,889 | 3.78% |
| ALBANY-LEBANON, OR (FHA|USDA|VA) | 3 | $875,000 | $291,667 | $3,089 | 3.13% |
| WATERLOO-CEDAR FALLS, IA (FHA|USDA|VA) | 3 | $875,000 | $291,667 | $0 | 3.04% |
| JACKSON, MS (FHA|USDA|VA) | 3 | $865,000 | $288,333 | $2,792 | 3.00% |
| SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) | 5 | $865,000 | $173,000 | $4,821 | 2.75% |
| THE VILLAGES, FL (FHA|USDA|VA) | 3 | $855,000 | $285,000 | $3,069 | 2.96% |
| Picayune, MS (FHA|USDA|VA) | 5 | $845,000 | $169,000 | $1,152 | 2.50% |
| Bucyrus-Galion, OH (FHA|USDA|VA) | 7 | $845,000 | $120,714 | $2,772 | 3.39% |
| MANHATTAN, KS (FHA|USDA|VA) | 5 | $835,000 | $167,000 | $2,130 | 3.08% |
| Fort Morgan, CO (FHA|USDA|VA) | 6 | $830,000 | $138,333 | $2,868 | 2.54% |
| Centralia, WA (FHA|USDA|VA) | 4 | $820,000 | $205,000 | $4,330 | 3.25% |
| BRUNSWICK, GA (FHA|USDA|VA) | 3 | $815,000 | $271,667 | $2,938 | 2.79% |
| Malvern, AR (FHA|USDA|VA) | 4 | $800,000 | $200,000 | $1,453 | 3.00% |
| Shelton, WA (FHA|USDA|VA) | 3 | $795,000 | $265,000 | $9,073 | 3.33% |
| Hastings, NE (FHA|USDA|VA) | 4 | $780,000 | $195,000 | $4,057 | 2.97% |
| BELLINGHAM, WA (FHA|USDA|VA) | 3 | $765,000 | $255,000 | $2,966 | 2.17% |
| OCALA, FL (FHA|USDA|VA) | 5 | $755,000 | $151,000 | $2,937 | 3.38% |
| MONROE, LA (FHA|USDA|VA) | 3 | $745,000 | $248,333 | $5,066 | 2.79% |
| ROCKY MOUNT, NC (FHA|USDA|VA) | 3 | $745,000 | $248,333 | $2,658 | 2.79% |
| COLUMBUS, IN (FHA|USDA|VA) | 4 | $730,000 | $182,500 | $2,572 | 3.25% |
| Beeville, TX (FHA|USDA|VA) | 4 | $720,000 | $180,000 | $4,663 | 3.44% |
| MEDFORD, OR (FHA|USDA|VA) | 2 | $720,000 | $360,000 | $8,183 | 3.06% |
| Williston, ND (FHA|USDA|VA) | 2 | $720,000 | $360,000 | $4,979 | 2.81% |
| Jasper, AL (FHA|USDA|VA) | 5 | $715,000 | $143,000 | $3,205 | 3.35% |
| LANSING-EAST LANSING, MI (FHA|USDA|VA) | 3 | $715,000 | $238,333 | $4,510 | 3.71% |
| Bogalusa, LA (FHA|USDA|VA) | 7 | $715,000 | $102,143 | $2,694 | 2.77% |
| CUMBERLAND, MD-WV (FHA|USDA|VA) | 4 | $710,000 | $177,500 | $3,726 | 3.28% |
| Fallon, NV (FHA|USDA|VA) | 4 | $700,000 | $175,000 | $3,621 | 2.41% |
| WINCHESTER, VA-WV (FHA|USDA|VA) | 3 | $695,000 | $231,667 | $3,617 | 3.08% |
| Cedar City, UT (FHA|USDA|VA) | 6 | $680,000 | $113,333 | $3,602 | 4.17% |
| Outside of Metro Areas | 3 | $675,000 | $225,000 | $3,535 | 3.25% |
| Lake City, FL (FHA|USDA|VA) | 3 | $665,000 | $221,667 | $3,754 | 3.67% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 3 | $665,000 | $221,667 | $4,474 | 2.46% |
| SPRINGFIELD, OH (FHA|USDA|VA) | 4 | $660,000 | $165,000 | $4,449 | 3.50% |
| Chillicothe, OH (FHA|USDA|VA) | 3 | $655,000 | $218,333 | $4,196 | 3.54% |
| JACKSON, TN (FHA|USDA|VA) | 3 | $655,000 | $218,333 | $6,448 | 3.13% |
| Newport, TN (FHA|USDA|VA) | 4 | $650,000 | $162,500 | $5,447 | 3.06% |
| Pierre, SD (FHA|USDA|VA) | 3 | $645,000 | $215,000 | $3,178 | 2.92% |
| Snyder, TX (FHA|USDA|VA) | 6 | $640,000 | $106,667 | $3,735 | 2.88% |
| CASPER, WY (FHA|USDA|VA) | 2 | $640,000 | $320,000 | $4,781 | 3.00% |
| Kingsville, TX (FHA|USDA|VA) | 3 | $625,000 | $208,333 | $6,631 | 2.67% |
| Klamath Falls, OR (FHA|USDA|VA) | 3 | $615,000 | $205,000 | $2,961 | 2.83% |
| TOPEKA, KS (FHA|USDA|VA) | 4 | $610,000 | $152,500 | $2,632 | 3.34% |
| Elkins, WV (FHA|USDA|VA) | 3 | $595,000 | $198,333 | $3,986 | 3.63% |
| ANN ARBOR, MI (FHA|USDA|VA) | 2 | $590,000 | $295,000 | $2,794 | 3.25% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 3 | $585,000 | $195,000 | $5,739 | 2.96% |
| Harrison, AR (FHA|USDA|VA) | 3 | $585,000 | $195,000 | $272 | 3.21% |
| Jackson, WY-ID (FHA|USDA|VA) | 2 | $580,000 | $290,000 | $2,440 | 2.69% |
| AKRON, OH (FHA|USDA|VA) | 3 | $575,000 | $191,667 | $3,072 | 3.00% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 3 | $575,000 | $191,667 | $3,710 | 3.29% |
| Woodward, OK (FHA|USDA|VA) | 4 | $570,000 | $142,500 | $3,950 | 3.28% |
| SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) | 2 | $560,000 | $280,000 | $3,477 | 3.19% |
| Jennings, LA (FHA|USDA|VA) | 3 | $555,000 | $185,000 | $3,663 | 2.92% |
| MADISON, WI (FHA|USDA|VA) | 2 | $550,000 | $275,000 | $4,871 | 3.19% |
| HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) | 2 | $550,000 | $275,000 | $5,199 | 3.25% |
| Jefferson, GA (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $2,969 | 2.56% |
| Brookings, SD (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $1,712 | 2.56% |
| LAWRENCE, KS (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $3,893 | 3.13% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 4 | $530,000 | $132,500 | $2,276 | 2.38% |
| RACINE, WI (FHA|USDA|VA) | 3 | $525,000 | $175,000 | $1,639 | 3.04% |
| Roseburg, OR (FHA|USDA|VA) | 2 | $520,000 | $260,000 | $6,331 | 3.31% |
| Clarksburg, WV (FHA|USDA|VA) | 3 | $515,000 | $171,667 | $2,058 | 3.00% |
| DALTON, GA (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $1,335 | 3.13% |
| CORVALLIS, OR (FHA|USDA|VA) | 2 | $510,000 | $255,000 | $6,724 | 3.00% |
| Burley, ID (FHA|USDA|VA) | 3 | $505,000 | $168,333 | $3,360 | 3.08% |
| Mountain Home, AR (FHA|USDA|VA) | 4 | $500,000 | $125,000 | $2,133 | 2.41% |
| Rio Grande City-Roma, TX (FHA|USDA|VA) | 2 | $500,000 | $250,000 | $5,907 | 3.50% |
| Steamboat Springs, CO (FHA|USDA|VA) | 2 | $500,000 | $250,000 | $2,194 | 2.88% |
| Pinehurst-Southern Pines, NC (FHA|USDA|VA) | 2 | $490,000 | $245,000 | $3,219 | 3.19% |
| Columbus, NE (FHA|USDA|VA) | 3 | $485,000 | $161,667 | $3,103 | 2.96% |
| CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $3,074 | 3.13% |
| Oak Harbor, WA (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $11,323 | 3.63% |
| BLOOMSBURG-BERWICK, PA (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $1,921 | 3.63% |
| NORWICH-NEW LONDON, CT (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $4,501 | 2.75% |
| Marshalltown, IA (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $2,010 | 3.81% |
| SPARTANBURG, SC (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $3,635 | 2.81% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $3,715 | 3.13% |
| CEDAR RAPIDS, IA (FHA|USDA|VA) | 3 | $455,000 | $151,667 | $595 | 3.75% |
| Breckenridge, CO (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $750 | 3.63% |
| BLOOMINGTON, IN (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $5,406 | 3.63% |
| BURLINGTON, NC (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $1,987 | 2.75% |
| Elk City, OK (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $7,717 | 3.25% |
| Moscow, ID (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $5,529 | 3.19% |
| Uvalde, TX (FHA|USDA|VA) | 3 | $435,000 | $145,000 | $4,607 | 3.08% |
| Hobbs, NM (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $759 | 2.88% |
| Spirit Lake, IA (FHA|USDA|VA) | 3 | $435,000 | $145,000 | $807 | 3.04% |
| Whitewater, WI (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $0 | 2.88% |
| GAINESVILLE, FL (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $1,482 | 3.94% |
| AMES, IA (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $0 | 2.88% |
| Big Spring, TX (FHA|USDA|VA) | 5 | $425,000 | $85,000 | $2,975 | 4.10% |
| Moses Lake, WA (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $3,280 | 2.88% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $4,525 | 2.81% |
| Fairmont, WV (FHA|USDA|VA) | 3 | $415,000 | $138,333 | $2,400 | 3.21% |
| Boone, NC (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $2,749 | 2.63% |
| ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $2,732 | 3.19% |
| Zanesville, OH (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $4,460 | 4.19% |
| Borger, TX (FHA|USDA|VA) | 3 | $405,000 | $135,000 | $3,115 | 3.08% |
| Pittsburg, KS (FHA|USDA|VA) | 4 | $400,000 | $100,000 | $1,904 | 3.66% |
| Montrose, CO (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $3,290 | 2.88% |
| Rolla, MO (FHA|USDA|VA) | 4 | $390,000 | $97,500 | $2,064 | 3.44% |
| SALEM, OR (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $4,251 | 3.75% |
| LOUISVILLE, KY (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $4,211 | 3.00% |
| Sweetwater, TX (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $3,477 | 3.25% |
| Wooster, OH (FHA|USDA|VA) | 3 | $385,000 | $128,333 | $3,086 | 3.25% |
| El Dorado, AR (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $1,021 | 2.88% |
| FLAGSTAFF, AZ (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $13,537 | 2.88% |
| Parsons, KS (FHA|USDA|VA) | 4 | $370,000 | $92,500 | $2,136 | 3.47% |
| Cedartown, GA (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $1,716 | 2.81% |
| Natchitoches, LA (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $1,851 | 3.38% |
| Orangeburg, SC (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $4,683 | 4.50% |
| Aberdeen, WA (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $4,282 | 2.88% |
| FARGO, ND-MN (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $0 | 3.25% |
| Bedford, IN (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $2,861 | 3.13% |
| Natchez, MS-LA (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $3,315 | 2.88% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 3 | $345,000 | $115,000 | $3,735 | 3.17% |
| DUBUQUE, IA (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $1,326 | 3.38% |
| MANKATO, MN (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $0 | 3.38% |
| Laurel, MS (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $5,010 | 3.00% |
| Bluefield, WV-VA (FHA|USDA|VA) | 3 | $325,000 | $108,333 | $2,426 | 3.25% |
| Cookeville, TN (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $2,859 | 2.81% |
| Elizabeth City, NC (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $1,203 | 3.00% |
| JONESBORO, AR (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $2,495 | 3.75% |
| Washington Court House, OH (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $2,779 | 2.81% |
| HARRISONBURG, VA (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $2,748 | 2.88% |
| Fort Payne, AL (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $3,329 | 3.63% |
| Elko, NV (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $2,591 | 3.88% |
| Vernal, UT (FHA|USDA|VA) | 3 | $305,000 | $101,667 | $1,659 | 4.54% |
| EVANSVILLE, IN-KY (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $3,582 | 3.19% |
| Mason City, IA (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $0 | 3.75% |
| Coffeyville, KS (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $3,562 | 3.13% |
| LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $3,406 | 4.06% |
| Seneca, SC (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $8,424 | 2.75% |
| Alice, TX (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $6,192 | 2.75% |
| Shelby, NC (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $2,826 | 3.38% |
| WHEELING, WV-OH (FHA|USDA|VA) | 3 | $285,000 | $95,000 | $2,529 | 3.38% |
| WARNER ROBINS, GA (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $4,709 | 3.63% |
| Brainerd, MN (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $0 | 2.63% |
| New Castle, PA (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $1,993 | 3.13% |
| Gallup, NM (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $3,691 | 2.75% |
| DeRidder, LA (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $0 | 3.13% |
| IOWA CITY, IA (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $0 | 3.75% |
| West Plains, MO (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $0 | 2.88% |
| COLUMBIA, MO (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $4,943 | 3.50% |
| VISALIA, CA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $1,628 | 4.13% |
| LEWISTON, ID-WA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $6,793 | 2.75% |
| FLORENCE, SC (FHA|USDA|VA) | 3 | $255,000 | $85,000 | $3,592 | 3.67% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 2 | $250,000 | $125,000 | $4,960 | 4.13% |
| Douglas, GA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $3,568 | 3.38% |
| NEW HAVEN-MILFORD, CT (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $4,080 | 2.88% |
| Jackson, OH (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $2,736 | 2.75% |
| Palatka, FL (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $425 | 3.38% |
| Astoria, OR (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $11,724 | 3.63% |
| Greensburg, IN (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $1,521 | 3.50% |
| GRANTS PASS, OR (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $708 | 3.13% |
| GADSDEN, AL (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $3,774 | 3.25% |
| Magnolia, AR (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $6,185 | 2.63% |
| YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $3,541 | 4.63% |
| Pella, IA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $860 | 2.75% |
| Newport, OR (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $3,993 | 3.00% |
| Albemarle, NC (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $2,375 | 3.00% |
| SEBRING-AVON PARK, FL (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $4,228 | 3.75% |
| MONTGOMERY, AL (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $7,931 | 4.25% |
| Minot, ND (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $3,795 | 2.63% |
| Sterling, CO (FHA|USDA|VA) | 2 | $230,000 | $115,000 | $2,845 | 2.19% |
| Urbana, OH (FHA|USDA|VA) | 2 | $230,000 | $115,000 | $1,862 | 5.19% |
| Norwalk, OH (FHA|USDA|VA) | 2 | $230,000 | $115,000 | $3,306 | 3.38% |
| YAKIMA, WA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $10,322 | 3.00% |
| Watertown, SD (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $3,476 | 3.13% |
| Talladega-Sylacauga, AL (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $1,475 | 2.75% |
| Del Rio, TX (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $8,898 | 3.13% |
| Marion, OH (FHA|USDA|VA) | 2 | $220,000 | $110,000 | $2,383 | 3.56% |
| BAY CITY, MI (FHA|USDA|VA) | 2 | $220,000 | $110,000 | $1,342 | 3.38% |
| Plainview, TX (FHA|USDA|VA) | 3 | $215,000 | $71,667 | $1,196 | 3.42% |
| Oil City, PA (FHA|USDA|VA) | 2 | $210,000 | $105,000 | $3,376 | 3.75% |
| MUNCIE, IN (FHA|USDA|VA) | 2 | $210,000 | $105,000 | $4,029 | 3.94% |
| ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $9,864 | 3.00% |
| ALEXANDRIA, LA (FHA|USDA|VA) | 2 | $200,000 | $100,000 | $2,572 | 3.69% |
| Meadville, PA (FHA|USDA|VA) | 3 | $195,000 | $65,000 | $2,327 | 3.96% |
| GOLDSBORO, NC (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $6,480 | 3.63% |
| Crawfordsville, IN (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $2,359 | 4.25% |
| FORT WAYNE, IN (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $6,575 | 3.75% |
| Ellensburg, WA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,787 | 2.63% |
| Winnemucca, NV (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $2,716 | 2.88% |
| Indiana, PA (FHA|USDA|VA) | 2 | $180,000 | $90,000 | $3,030 | 3.19% |
| Baraboo, WI (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,962 | 3.50% |
| Grants, NM (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $4,177 | 2.63% |
| PINE BLUFF, AR (FHA|USDA|VA) | 2 | $170,000 | $85,000 | $2,472 | 3.25% |
| Clovis, NM (FHA|USDA|VA) | 3 | $165,000 | $55,000 | $5,023 | 4.75% |
| Holland, MI (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $4,902 | 3.38% |
| Burlington, IA-IL (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,772 | 4.38% |
| HINESVILLE, GA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $4,100 | 2.25% |
| Greenville, OH (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $1,310 | 3.63% |
| Levelland, TX (FHA|USDA|VA) | 2 | $160,000 | $80,000 | $2,996 | 3.25% |
| Rock Springs, WY (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,661 | 3.88% |
| LIMA, OH (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $3,211 | 3.25% |
| Fort Leonard Wood, MO (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 3.25% |
| WILLIAMSPORT, PA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,487 | 3.25% |
| Lexington, NE (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,662 | 2.75% |
| Ashtabula, OH (FHA|USDA|VA) | 2 | $150,000 | $75,000 | $2,324 | 4.50% |
| Portsmouth, OH (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $3,619 | 2.75% |
| STATE COLLEGE, PA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $3,084 | 3.38% |
| Pahrump, NV (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $5,456 | 5.00% |
| WEIRTON-STEUBENVILLE, WV-OH (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $3,231 | 3.00% |
| Craig, CO (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,408 | 3.25% |
| KOKOMO, IN (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,776 | 2.75% |
| HATTIESBURG, MS (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $0 | 2.88% |
| LYNCHBURG, VA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,483 | 2.50% |
| Fort Dodge, IA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $0 | 3.38% |
| Madison, IN (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $1,949 | 2.88% |
| Spencer, IA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,023 | 2.25% |
| Lamesa, TX (FHA|USDA|VA) | 2 | $140,000 | $70,000 | $2,098 | 2.75% |
| Fremont, OH (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,881 | 3.25% |
| North Wilkesboro, NC (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,263 | 3.13% |
| Garden City, KS (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,254 | 3.25% |
| Frankfort, IN (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $899 | 3.13% |
| Hood River, OR (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,657 | 3.13% |
| BISMARCK, ND (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $1,597 | 3.00% |
| Dixon, IL (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,042 | 4.75% |
| Okeechobee, FL (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $5,676 | 4.75% |
| ANNISTON-OXFORD, AL (FHA|USDA|VA) | 2 | $130,000 | $65,000 | $1,792 | 3.00% |
| Milledgeville, GA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $1,960 | 2.88% |
| MACON-BIBB COUNTY, GA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $4,066 | 3.00% |
| Fort Madison-Keokuk, IA-IL-MO (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 3.00% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $4,714 | 4.75% |
| Richmond, IN (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,737 | 3.00% |
| CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $3,678 | 3.25% |
| Beaver Dam, WI (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $635 | 4.13% |
| Statesboro, GA (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $3,209 | 2.88% |
| JEFFERSON CITY, MO (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 4.25% |
| Nogales, AZ (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $1,573 | 2.75% |
| VALDOSTA, GA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,481 | 3.13% |
| Evanston, WY (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $301 | 2.38% |
| Guymon, OK (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,611 | 3.00% |
| Silver City, NM (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,361 | 3.13% |
| New Philadelphia-Dover, OH (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,703 | 3.13% |
| Somerset, KY (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $3,522 | 2.88% |
| FLINT, MI (FHA|USDA|VA) | 2 | $90,000 | $45,000 | $2,741 | 6.00% |
| Coshocton, OH (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $2,117 | 3.13% |
| Marshall, MO (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $2,201 | 2.75% |
| DANVILLE, IL (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $1,700 | 3.63% |
| Port Lavaca, TX (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $3,956 | 3.50% |
| Forest City, NC (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $2,753 | 4.25% |
| Arkadelphia, AR (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $3,194 | 3.50% |
| Storm Lake, IA (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $1,346 | 4.75% |
| Hays, KS (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $2,511 | 3.38% |
| MONROE, MI (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $2,729 | 4.13% |
| Batesville, AR (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $2,156 | 3.63% |
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Product Mix
For 2020, Gateway First Bank's most frequently originated type of loan was Conventional, with 27,866 originations. Their 2nd most popular type was FHA, with 6,875 originations.
Loan Reason
For 2020, Gateway First Bank's most frequently cited loan purpose was Home Purchase, with 21,013 originations. The 2nd most popular reason was Refi, with 13,853 originations.
Loan Duration/Length
For 2020, Gateway First Bank's most frequently cited loan duration was 30 Year, with 31,200 originations. The 2nd most popular length was 15 Year, with 4,544 originations.
Origination Fees/Closing Costs
Gateway First Bank's average total fees were $4,023, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 20,919 originations.
Interest Rates
During 2020, Gateway First Bank's average interest rate for loans was 3.27%, while their most frequently originated rate bucket for loans was 3-4%, with 16,689 originations.
Loan Sizing
2020 saw Gateway First Bank place emphasis on $200k-400k loans with 17,445 originations, totaling $4,773,345,000 in origination value.
Applicant Income
Gateway First Bank lent most frequently to those with incomes in the $50k-75k range, with 10,351 originations. The second most popular income band? $100k-150k, with 8,517 originations.
Applicant Debt to Income Ratio
Gateway First Bank lent most frequently to those with DTI ratios of 20-30%, with 8,557 originations. The next most common DTI ratio? 30-36%, with 7,203 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications96.89%
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 origination72.87%
Gateway First Bank has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 39,597 | $8,769,665,000 | $221,473 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Manufactured | 571 | $80,565,000 | $141,095 |
| Single Family (1-4 Units):Site-Built | 39,026 | $8,689,100,000 | $222,649 |
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2020 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| GATEWAY FIRST BANK | Conventional home mortgage | Applying for a mortgage or refinancing an existing mortgage | 1 | 8.3% |
| GATEWAY FIRST BANK | Conventional home mortgage | Closing on a mortgage | 1 | 8.3% |
| GATEWAY FIRST BANK | FHA mortgage | Struggling to pay mortgage | 4 | 33.3% |
| GATEWAY FIRST BANK | FHA mortgage | Trouble during payment process | 1 | 8.3% |
| GATEWAY FIRST BANK | Home equity loan or line of credit (HELOC) | Problem with a credit reporting company's investigation into an existing problem | 1 | 8.3% |
| GATEWAY FIRST BANK | Other type of mortgage | Struggling to pay mortgage | 1 | 8.3% |
| GATEWAY FIRST BANK | VA mortgage | Applying for a mortgage or refinancing an existing mortgage | 1 | 8.3% |
| GATEWAY FIRST BANK | VA mortgage | Closing on a mortgage | 1 | 8.3% |
| GATEWAY FIRST BANK | VA mortgage | Trouble during payment process | 1 | 8.3% |
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 | $15,569 |
| Gateway First Bank | 111 East Grand Street Tonkawa, OK 74653 | Full Service B&M | $47,188 |
| Gateway First Bank | 116 North 7th Street Tonkawa, OK 74653 | Limited, Drive-thru | $186 |
| Gateway First Bank | 1716 Main Street Wakita, OK 73771 | Full Service B&M | $9,065 |
| Gateway First Bank | 220 N. Main Helena, OK 73741 | Full Service B&M | $23,451 |
| Gateway First Bank | 244 S Gateway Pl Jenks, OK 74037 | Limited, Drive-thru | $369,841 |
| 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 | $543,689 |
For 2020, Gateway First Bank had 8 branches.
Yearly Performance Overview
Bank Income
| Item | Value (in 000's) |
|---|---|
| Total interest income | $39,534 |
| Net interest income | $30,045 |
| Total noninterest income | $326,441 |
| Gross Fiduciary activities income | $0 |
| Service charges on deposit accounts | $304 |
| Trading account gains and fees | $0 |
| Additional Noninterest Income | $326,137 |
| Pre-tax net operating income | $141,921 |
| Securities gains (or losses, -) | $294 |
| Income before extraordinary items | $107,899 |
| Discontinued Operations (Extraordinary gains, net) | $0 |
| Net income of bank and minority interests | $107,899 |
| Minority interest net income | $0 |
| Net income | $107,899 |
| Sale, conversion, retirement of capital stock, net | $-411 |
| Net operating income | $107,666 |
Gateway First Bank's gross interest income from loans was $39,534,000.
Gateway First Bank's net interest income from loans was $30,045,000.
Gateway First Bank's fee based income from loans was $304,000.
Gateway First Bank's net income from loans was $107,899,000.
Bank Expenses
| Item | Value (in 000's) |
|---|---|
| Total interest expense | $9,489 |
| Provision for credit losses | $5,263 |
| Total noninterest expense | $209,302 |
| Salaries and employee benefits | $139,505 |
| Premises and equipment expense | $12,310 |
| Additional noninterest expense | $57,487 |
| Applicable income taxes | $34,316 |
| Net charge-offs | $403 |
| Cash dividends | $35,000 |
Gateway First Bank's interest expense for loans was $9,489,000.
Gateway First Bank's payroll and benefits expense were $139,505,000.
Gateway First Bank's property, plant and equipment expenses $12,310,000.
Loan Performance
| Type of Loan | % of Loans Noncurrent (30+ days, end of period snapshot) |
|---|---|
| All loans | 27.0% |
| Real Estate loans | 28.0% |
| Construction & Land Development loans | 3.0% |
| Nonfarm, nonresidential loans | 1.0% |
| Multifamily residential loans | 0.0% |
| 1-4 family residential loans | 30.0% |
| HELOC loans | 0.0% |
| All other family | 30.0% |
| Commercial & industrial loans | 6.0% |
| Personal loans | 4.0% |
| Credit card loans | 0.0% |
| Other individual loans | 4.0% |
| Auto loans | 5.0% |
| Other consumer loans | 3.0% |
| Unsecured commercial real estate loans | 0.0% |
Deposits
| Type | Value (in 000's) |
|---|---|
| Total deposits | $931,187 |
| Deposits held in domestic offices | $931,187 |
| Deposits by Individuals, partnerships, and corporations | $688,296 |
| Deposits by U.S. Government | $0 |
| Deposits by States and political subdivisions in the U.S. | $86,767 |
| Deposits by Commercial banks and other depository institutions in U.S. | $156,124 |
| Deposits by Banks in foreign countries | $0 |
| Deposits by Foreign governments and official institutions | $0 |
| Transaction accounts | $124,816 |
| Demand deposits | $105,219 |
| Nontransaction accounts | $806,371 |
| Money market deposit accounts (MMDAs) | $402,032 |
| Other savings deposits (excluding MMDAs) | $42,131 |
| Total time deposits | $362,208 |
| Total time and savings deposits | $825,968 |
| Noninterest-bearing deposits | $256,999 |
| Interest-bearing deposits | $674,188 |
| Retail deposits | $718,053 |
| IRAs and Keogh plan accounts | $20,227 |
| Brokered deposits | $72,739 |
| Deposits held in foreign offices | $0 |
Assets
| Asset | Value (in 000's) |
|---|---|
| Total Assets | $2,197,983 |
| Cash & Balances due from depository institutions | $176,971 |
| Interest-bearing balances | $163,784 |
| Total securities | $53,522 |
| Federal funds sold & reverse repurchase | $74 |
| Net loans and leases | $1,721,986 |
| Loan and leases loss allowance | $6,160 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $7,329 |
| Other real estate owned | $0 |
| Goodwill and other intangibles | $124,327 |
| All other assets | $113,774 |
Liabilities
| Liabilities | Value (in 000's) |
|---|---|
| Total liabilities and capital | $2,197,983 |
| Total Liabilities | $1,917,501 |
| Total deposits | $931,187 |
| Interest-bearing deposits | $674,188 |
| Deposits held in domestic offices | $931,187 |
| % insured (estimated) | $45 |
| Federal funds purchased and repurchase agreements | $0 |
| Trading liabilities | $0 |
| Other borrowed funds | $903,239 |
| Subordinated debt | $0 |
| All other liabilities | $83,075 |
Issued Loan Types
| Type | Value (in 000's) |
|---|---|
| Net loans and leases | $1,721,986 |
| Loan and leases loss allowance | $6,160 |
| Total loans and leases (domestic) | $1,728,146 |
| All real estate loans | $1,627,219 |
| Real estate loans in domestic offices | $1,627,219 |
| Construction and development loans | $70,309 |
| Residential 1-4 family construction | $63,438 |
| Other construction, all land development and other land | $6,871 |
| Loans secured by nonfarm nonresidential properties | $46,362 |
| Nonfarm nonresidential secured by owner-occupied properties | $11,142 |
| Commercial real estate & other non-farm, non-residential | $35,220 |
| Multifamily residential real estate | $203 |
| 1-4 family residential loans | $1,500,243 |
| Farmland loans | $10,102 |
| Loans held in foreign offices | $0 |
| Farm loans | $5,804 |
| Commercial and industrial loans | $83,785 |
| To non-U.S. addressees | $0 |
| Loans to individuals | $2,421 |
| Credit card loans | $0 |
| Related Plans | $0 |
| Consumer Auto Loans | $316 |
| Other loans to individuals | $2,105 |
| All other loans & leases | $9,363 |
| 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 | $1,641 |
| Loans secured by real estate to non-U.S. addressees | $0 |
| Restructured Loans & leases | $13,985 |
| Non 1-4 family restructured loans & leases | $1,154 |
| Total loans and leases (foreign) | $0 |
Gateway First Bank had $1,721,986,000 of loans outstanding in 2020. $1,627,219,000 of loans were in real estate loans. $70,309,000 of loans were in development loans. $203,000 of loans were in multifamily mortgage loans. $1,500,243,000 of loans were in 1-4 family mortgage loans. $5,804,000 of loans were in farm loans. $0 of loans were in credit card loans. $316,000 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 | 34 | $8,121 | $238,853 |
| Nonfarm, nonresidential loans - <$100k | 8 | $251 | $31,375 |
| Nonfarm, nonresidential loans - $100-250k | 7 | $705 | $100,714 |
| Nonfarm, nonresidential loans - $250k-1MM | 19 | $7,165 | $377,105 |
| Commercial & Industrial, US addressed loans - <$1MM | 280 | $32,689 | $116,746 |
| Commercial & Industrial, US addressed loans - <$100k | 110 | $2,293 | $20,845 |
| Commercial & Industrial, US addressed loans - $100-250k | 69 | $4,911 | $71,174 |
| Commercial & Industrial, US addressed loans - $250k-1MM | 101 | $25,485 | $252,327 |
| Farmland loans - <$1MM | 53 | $6,342 | $119,660 |
| Farmland loans - <$100k | 19 | $528 | $27,789 |
| Farmland loans - $100-250k | 24 | $2,777 | $115,708 |
| Farmland loans - $250k-1MM | 10 | $3,037 | $303,700 |
| Agriculture operations loans - <$1MM | 120 | $3,299 | $27,492 |
| Agriculture operations loans - <$100k | 95 | $1,474 | $15,516 |
| Agriculture operations loans - $100-250k | 17 | $968 | $56,941 |
| Agriculture operations loans - $250k-1MM | 8 | $857 | $107,125 |