Gateway First Bank in Missouri vs the state
8.5%Denial rate-6.55 pts vs state
10.7%Decision denial rate-8.01 pts vs state
69.8%Origination rate+7.12 pts vs state
6.63%Median rate0.00 pts vs state
0.33Rate spread (pts)-0.02 pts vs state
$77kMedian applicant income
254Loans originated
31Denied
Trend in Missouri
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 371 | 281 | 5.4% | 6.75% | #94 |
| 2024 | 413 | 291 | 4.8% | 6.75% | #93 |
| 2025 | 364 | 254 | 8.5% | 6.63% | #120 |
What Gateway First Bank lends in Missouri
By loan purpose
By loan type
Why it denied Missouri applicants
Where in Missouri
Counties with the most Gateway First Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Pettis County | 144 | 98 | 17 | 11.8% |
| Jasper County | 40 | 25 | 3 | 7.5% |
| Cass County | 39 | 30 | 0 | 0.0% |
| Newton County | 22 | 15 | 1 | 4.5% |
| McDonald County | 14 | 9 | 5 | 35.7% |
| Johnson County | 14 | 8 | 2 | 14.3% |
| Benton County | 13 | 10 | 1 | 7.7% |
| Jackson County | 11 | 10 | 0 | 0.0% |
| Saline County | 8 | 6 | 1 | 12.5% |
| Vernon County | 7 | 6 | 0 | 0.0% |
Other large lenders in Missouri
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 10,460 | 18.4% | 6.63% |
| Flat Branch Mortgage | A | 8,999 | 0.9% | 6.63% |
| Guild Mortgage | A | 7,388 | 2.5% | 6.63% |
| U.S. Bank | D | 7,190 | 32.8% | 7.63% |
| The Central Trust Bank | C | 7,022 | 9.7% | 6.63% |
| United Shore Financial Services | B | 6,710 | 8.0% | 6.55% |
| Communityamerica Credit Union | B | 5,843 | 16.8% | 6.49% |
| Mortgage Research Center | C | 5,734 | 15.6% | 6.25% |
| Broker Solutions | D | 5,007 | 7.8% | 6.88% |
| Commerce Bank | D | 4,905 | 27.2% | 6.72% |
Frequently asked questions
Missouri: 364 applications in 2025, of which 254 were originated and 31 denied.
8.5% of all applications, or 10.7% of the applications it actually decided on. The Missouri statewide average across all lenders was 15.1%.
The median rate on loans Gateway First Bank originated in Missouri in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Gateway First Bank's own HMDA filing for properties located in Missouri, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology