Gateway First Bank in Ohio vs the state
5.9%Denial rate-11.75 pts vs state
7.6%Decision denial rate-14.34 pts vs state
71.3%Origination rate+11.39 pts vs state
6.75%Median rate-0.13 pts vs state
0.38Rate spread (pts)-0.01 pts vs state
$82kMedian applicant income
144Loans originated
12Denied
Trend in Ohio
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 240 | 167 | 6.7% | 6.88% | #193 |
| 2024 | 172 | 123 | 2.9% | 6.75% | #237 |
| 2025 | 202 | 144 | 5.9% | 6.75% | #235 |
What Gateway First Bank lends in Ohio
By loan purpose
By loan type
Why it denied Ohio applicants
Where in Ohio
Counties with the most Gateway First Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Montgomery County | 44 | 34 | 4 | 9.1% |
| Warren County | 37 | 29 | 1 | 2.7% |
| Greene County | 21 | 16 | 1 | 4.8% |
| Hamilton County | 15 | 9 | 1 | 6.7% |
| Clinton County | 8 | 7 | 0 | 0.0% |
| Miami County | 8 | 3 | 0 | 0.0% |
| Franklin County | 7 | 4 | 0 | 0.0% |
| Clark County | 7 | 4 | 1 | 14.3% |
| Muskingum County | 5 | 2 | 2 | 40.0% |
| Highland County | 5 | 3 | 0 | 0.0% |
Other large lenders in Ohio
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| The Huntington National Bank | D | 42,683 | 25.8% | 7.59% |
| Rocket Mortgage | C | 23,165 | 18.5% | 6.63% |
| Fifth Third Bank | D | 21,939 | 25.6% | 7.50% |
| Crosscountry Mortgage | B | 16,066 | 3.1% | 6.75% |
| United Shore Financial Services | B | 14,626 | 13.1% | 6.45% |
| Third Federal Savings and Loan Association of Cleveland | C | 12,622 | 23.0% | 6.74% |
| PNC Bank | D | 11,607 | 24.6% | 7.40% |
| Wright-Patt Credit Union | C | 8,791 | 28.1% | 7.50% |
| U.S. Bank | D | 8,623 | 38.0% | 7.60% |
| Citizens Bank | C | 7,775 | 24.3% | 7.65% |
Frequently asked questions
Ohio: 202 applications in 2025, of which 144 were originated and 12 denied.
5.9% of all applications, or 7.6% of the applications it actually decided on. The Ohio statewide average across all lenders was 17.7%.
The median rate on loans Gateway First Bank originated in Ohio in 2025 was 6.75%, against a statewide median of 6.88%.
About this data. Figures are Gateway First Bank's own HMDA filing for properties located in Ohio, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology