Gateway First Bank in Georgia vs the state
4.0%Denial rate-15.22 pts vs state
7.7%Decision denial rate-17.38 pts vs state
48.0%Origination rate-6.09 pts vs state
6.69%Median rate+0.06 pts vs state
0.35Rate spread (pts)+0.08 pts vs state
$165kMedian applicant income
12Loans originated
1Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 70 | 38 | 18.6% | 6.75% | #370 |
| 2024 | 38 | 21 | 2.6% | 6.75% | #467 |
| 2025 | 25 | 12 | 4.0% | 6.69% | #542 |
What Gateway First Bank lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most Gateway First Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fayette County | 5 | 2 | 0 | 0.0% |
| Gwinnett County | 3 | 1 | 0 | 0.0% |
| Chatham County | 2 | 1 | 0 | 0.0% |
| Laurens County | 1 | 0 | 0 | 0.0% |
| Bryan County | 1 | 1 | 0 | 0.0% |
| Ben Hill County | 1 | 0 | 0 | 0.0% |
| Bleckley County | 1 | 0 | 0 | 0.0% |
| Fannin County | 1 | 0 | 0 | 0.0% |
| Houston County | 1 | 1 | 0 | 0.0% |
| Bibb County | 1 | 0 | 0 | 0.0% |
Other large lenders in Georgia
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 29,845 | 18.2% | 6.63% |
| United Shore Financial Services | B | 23,784 | 12.6% | 6.25% |
| Navy Federal Credit Union | D | 12,388 | 26.4% | 7.95% |
| Truist Bank | C | 10,563 | 38.7% | 6.49% |
| Pennymac Loan Services | C | 10,273 | 11.6% | 6.49% |
| Broker Solutions | D | 9,709 | 8.6% | 6.63% |
| Mortgage Research Center | C | 9,443 | 19.8% | 6.25% |
| Freedom Mortgage | B | 9,293 | 9.1% | 6.25% |
| Bank of America | F | 9,168 | 36.5% | 6.24% |
| Ameris Bank | B | 8,065 | 10.1% | 6.50% |
Frequently asked questions
Georgia: 25 applications in 2025, of which 12 were originated and 1 denied.
4.0% of all applications, or 7.7% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans Gateway First Bank originated in Georgia in 2025 was 6.69%, against a statewide median of 6.63%.
About this data. Figures are Gateway First Bank's own HMDA filing for properties located in Georgia, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology