Gateway First Bank in Oklahoma vs the state
3.3%Denial rate-14.59 pts vs state
4.4%Decision denial rate-18.46 pts vs state
71.6%Origination rate+15.49 pts vs state
6.50%Median rate-0.13 pts vs state
0.22Rate spread (pts)-0.13 pts vs state
$93kMedian applicant income
1,547Loans originated
72Denied
Trend in Oklahoma
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 2,079 | 1,540 | 3.3% | 6.88% | #13 |
| 2024 | 1,865 | 1,305 | 3.7% | 6.75% | #14 |
| 2025 | 2,161 | 1,547 | 3.3% | 6.50% | #12 |
What Gateway First Bank lends in Oklahoma
By loan purpose
By loan type
Why it denied Oklahoma applicants
Where in Oklahoma
Counties with the most Gateway First Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Oklahoma County | 426 | 292 | 7 | 1.6% |
| Tulsa County | 313 | 222 | 11 | 3.5% |
| Cleveland County | 273 | 195 | 9 | 3.3% |
| Garfield County | 214 | 169 | 7 | 3.3% |
| Pontotoc County | 149 | 102 | 12 | 8.1% |
| Canadian County | 101 | 73 | 2 | 2.0% |
| Wagoner County | 64 | 49 | 0 | 0.0% |
| Carter County | 60 | 43 | 1 | 1.7% |
| Bryan County | 55 | 39 | 4 | 7.3% |
| Rogers County | 54 | 41 | 3 | 5.6% |
Other large lenders in Oklahoma
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 6,990 | 24.0% | 6.75% |
| First United Bank and Trust | C | 5,630 | 5.9% | 6.88% |
| Arvest Bank | C | 5,387 | 17.6% | 7.00% |
| 21st Mortgage | F | 5,217 | 46.8% | 9.83% |
| BancFirst | C | 4,799 | 10.0% | 7.38% |
| BOKF | D | 4,227 | 20.2% | 6.63% |
| Mortgage Research Center | C | 4,012 | 18.8% | 6.25% |
| United Shore Financial Services | B | 3,735 | 13.8% | 6.13% |
| Associated Mortgage | A | 3,213 | 0.7% | 6.50% |
| Vanderbilt Mortgage and Finance | F | 2,610 | 38.3% | 9.75% |
Frequently asked questions
Oklahoma: 2,161 applications in 2025, of which 1,547 were originated and 72 denied.
3.3% of all applications, or 4.4% of the applications it actually decided on. The Oklahoma statewide average across all lenders was 17.9%.
The median rate on loans Gateway First Bank originated in Oklahoma in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are Gateway First Bank's own HMDA filing for properties located in Oklahoma, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology