Applications / Mortgage Analytics / Lenders / Missouri / Gateway Metro Federal Credit Union
Saint Louis, MO · Credit union · NCUA · $173 million assets · 41 loans in 2025
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41
loans originated, 2025
45
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Gateway Metro Federal Credit Union, a small St. Louis credit union that has lent there since at least 1990, grew faster than most similar lenders in 2025.
Its loans rose 28% in 2025, from 32 to 41, faster than about three in four similar lenders, credit unions making between half and twice as many loans, whose typical growth was 3%. It made 86 in 2020. Refinancing made up 36.6% of its loans, purchases 34.1% and other purposes 24.4%, all conventional.
Its typical rate was 6.50%, against 6.75% at its peers, and none of its loans was higher-priced, meaning a rate well above the average for similar loans, against 3.6% at peers. Its typical loan, $135,000, was larger than their $95,000.
It ranked 237th of 637 lenders there in 2025, with a share of 0.0%. Guild Mortgage Company led that market. Of its borrowers, 36.6% had low or moderate incomes, against 31.5% at its peers, a little above the middle of the group. With 41 loans, these shares can swing from year to year.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 Metro Federal Credit Union took 45 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 36.6% · Purchase 34.1% · Other 24.4% · Home improvement 4.9%
Conventional 100.0% · of 41 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 |
|---|---|---|
| Missouri | 38 | 92.7% |
| Illinois | 3 | 7.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| St. Louis | 38 |
| Cape Girardeau | 1 |
| Springfield | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300YOCINIK5RN6R57 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 993090 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 564502 | 1990–2007 |
| Respondent ID (the HMDA filer code before 2018) | 524797 | 2008–2017 |
Established 1 January 1935. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Gateway Metro Federal Credit Union's data.
Gateway Metro Federal Credit Union's data
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Gateway Metro Federal Credit Union 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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