Applications / Mortgage Analytics / Lenders / Oklahoma / Gateway First Bank
Jenks, OK · State non-member bank · FDIC · $2.0 billion assets · 7,952 loans in 2025
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7,952
loans originated, 2025
11,008
applications, 2025
41
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Gateway First Bank is a purchase lender with far more government-backed loans than similar banks, and its 7,952 loans in 2025 were about a fifth of its 2020 total.
Similar lenders are state non-member banks making between half and twice as many loans. FHA loans (insured by the Federal Housing Administration) were 22.7% of its loans against 6.0%, and VA loans (guaranteed by the Department of Veterans Affairs) 9.4% against 3.6%, each higher than about four in five similar lenders. RHS loans (guaranteed by the Department of Agriculture's Rural Housing Service) were 1.5%. Purchases made up 82.8% of its lending.
Originations fell 5%, while similar lenders' rose 4% and the market's 10%, growth lower than about seven in ten of them. The 39,597 of 2020 have shrunk every year since. If the market's growth came mainly from refinancing, a purchase-heavy book would gain less, which could explain part of the gap. It also bought 1,744 loans, up from 1,314, where the typical similar lender bought 13.
Its share rose in Wichita to 3.0% from 2.0%, Oklahoma City to 2.0% from 1.8% and Tulsa to 1.6% from 1.4%, but fell in Houston to 0.3% from 0.5%, which may reflect where it chose to focus.
It turned down 3.7% of the first-lien home-purchase applications it decided, against 6.8% for similar lenders, lower than about four in five of them, and 13.3% of refinance applications, against 15.5%. Buyers who come to it already preapproved could explain this.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Gateway First Bank took 11,008 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 82.8% · Refinance 14.9% · Other 2.0% · Home improvement 0.4%
Conventional 66.4% · FHA 22.7% · VA 9.4% · USDA (RHS or FSA) 1.5% · of 7,952 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Texas | 2,178 | 27.4% |
| Oklahoma | 1,547 | 19.5% |
| South Carolina | 653 | 8.2% |
| Kansas | 533 | 6.7% |
| Arkansas | 350 | 4.4% |
| New Jersey | 337 | 4.2% |
| West Virginia | 337 | 4.2% |
| Missouri | 254 | 3.2% |
| Florida | 223 | 2.8% |
| New Mexico | 216 | 2.7% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Oklahoma City | 637 |
| Houston-Pasadena-The Woodlands | 534 |
| Wichita | 394 |
| Dallas-Plano-Irving | 351 |
| Tulsa | 350 |
| San Antonio-New Braunfels | 318 |
| Fort Worth-Arlington-Grapevine | 307 |
| Fayetteville-Springdale-Rogers | 254 |
| Hilton Head Island-Bluffton-Port Royal | 204 |
| Myrtle Beach-Conway-North Myrtle Beach | 200 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 54930034MNPILHP25H80 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3851427 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 7731577221 | |
| Respondent ID (the HMDA filer code before 2018) | 71578300007 | 2003–2010 |
Established 2 March 1935. Reported under HMDA 2003-2025.
Mergers, name changes, data editions and corrections: Gateway First Bank's data.
Gateway First Bank's data
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Gateway First Bank and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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