Gateway First Bank in Texas vs the state
4.3%Denial rate-15.12 pts vs state
5.6%Decision denial rate-19.30 pts vs state
72.2%Origination rate+17.33 pts vs state
6.63%Median rate+0.13 pts vs state
0.28Rate spread (pts)+0.08 pts vs state
$112kMedian applicant income
2,178Loans originated
130Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 5,091 | 3,425 | 5.8% | 6.75% | #39 |
| 2024 | 3,597 | 2,533 | 5.9% | 6.75% | #51 |
| 2025 | 3,016 | 2,178 | 4.3% | 6.63% | #62 |
What Gateway First Bank lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Gateway First Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Bexar County | 350 | 248 | 16 | 4.6% |
| Harris County | 289 | 199 | 9 | 3.1% |
| Tarrant County | 260 | 197 | 12 | 4.6% |
| Brazoria County | 200 | 146 | 5 | 2.5% |
| Ellis County | 199 | 143 | 7 | 3.5% |
| Galveston County | 145 | 108 | 6 | 4.1% |
| Dallas County | 128 | 94 | 7 | 5.5% |
| Johnson County | 80 | 58 | 6 | 7.5% |
| Nueces County | 66 | 46 | 3 | 4.5% |
| Hood County | 63 | 43 | 2 | 3.2% |
Other large lenders in Texas
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 56,491 | 11.0% | 6.25% |
| Rocket Mortgage | C | 45,658 | 22.4% | 6.63% |
| 21st Mortgage | F | 37,961 | 45.9% | 9.94% |
| Dhi Mortgage Company | B | 26,348 | 13.5% | 4.50% |
| Lennar Mortgage | A | 21,959 | 20.5% | 4.50% |
| Bank of America | F | 18,008 | 43.0% | 6.24% |
| JPMorgan Chase Bank | B | 16,260 | 9.8% | 6.45% |
| CMG Mortgage | A | 15,978 | 3.9% | 6.50% |
| Vanderbilt Mortgage and Finance | F | 15,683 | 44.7% | 10.50% |
| Triad Financial Services | D | 15,158 | 50.0% | 9.35% |
Frequently asked questions
Texas: 3,016 applications in 2025, of which 2,178 were originated and 130 denied.
4.3% of all applications, or 5.6% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Gateway First Bank originated in Texas in 2025 was 6.63%, against a statewide median of 6.50%.
About this data. Figures are Gateway First Bank's own HMDA filing for properties located in Texas, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology