Gateway First Bank in Tennessee vs the state
3.5%Denial rate-13.60 pts vs state
5.3%Decision denial rate-16.34 pts vs state
62.4%Origination rate+4.30 pts vs state
6.63%Median rate0.00 pts vs state
0.37Rate spread (pts)+0.14 pts vs state
$111kMedian applicant income
194Loans originated
11Denied
Trend in Tennessee
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 412 | 272 | 6.6% | 6.88% | #107 |
| 2024 | 285 | 190 | 6.3% | 6.75% | #154 |
| 2025 | 311 | 194 | 3.5% | 6.63% | #158 |
What Gateway First Bank lends in Tennessee
By loan purpose
By loan type
Why it denied Tennessee applicants
Where in Tennessee
Counties with the most Gateway First Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Blount County | 52 | 28 | 1 | 1.9% |
| Knox County | 50 | 33 | 1 | 2.0% |
| Sevier County | 49 | 29 | 1 | 2.0% |
| Roane County | 38 | 26 | 1 | 2.6% |
| Monroe County | 23 | 10 | 2 | 8.7% |
| Loudon County | 16 | 8 | 0 | 0.0% |
| Anderson County | 13 | 8 | 0 | 0.0% |
| Morgan County | 7 | 4 | 1 | 14.3% |
| Jefferson County | 7 | 6 | 0 | 0.0% |
| McMinn County | 5 | 3 | 0 | 0.0% |
Other large lenders in Tennessee
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 16,503 | 17.3% | 6.50% |
| United Shore Financial Services | B | 12,458 | 10.9% | 6.12% |
| Regions Bank | C | 11,247 | 36.5% | 4.99% |
| Vanderbilt Mortgage and Finance | F | 9,649 | 35.8% | 8.75% |
| Mortgage Research Center | C | 6,568 | 17.3% | 6.25% |
| FirstBank | C | 5,677 | 14.5% | 6.88% |
| CMG Mortgage | A | 5,643 | 2.9% | 6.50% |
| Freedom Mortgage | B | 5,493 | 8.0% | 6.25% |
| Pennymac Loan Services | C | 5,331 | 11.2% | 6.00% |
| Mortgage Investors Group | B | 4,454 | 3.5% | 6.50% |
Frequently asked questions
Tennessee: 311 applications in 2025, of which 194 were originated and 11 denied.
3.5% of all applications, or 5.3% of the applications it actually decided on. The Tennessee statewide average across all lenders was 17.1%.
The median rate on loans Gateway First Bank originated in Tennessee in 2025 was 6.63%, against a statewide median of 6.62%.
About this data. Figures are Gateway First Bank's own HMDA filing for properties located in Tennessee, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology