Gateway First Bank in West Virginia vs the state
3.7%Denial rate-17.49 pts vs state
4.7%Decision denial rate-21.92 pts vs state
73.3%Origination rate+18.47 pts vs state
6.63%Median rate0.00 pts vs state
0.41Rate spread (pts)+0.01 pts vs state
$71kMedian applicant income
337Loans originated
17Denied
Trend in West Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 368 | 228 | 3.3% | 6.75% | #29 |
| 2024 | 412 | 295 | 2.2% | 6.75% | #25 |
| 2025 | 460 | 337 | 3.7% | 6.63% | #30 |
What Gateway First Bank lends in West Virginia
By loan purpose
By loan type
Why it denied West Virginia applicants
Where in West Virginia
Counties with the most Gateway First Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Kanawha County | 227 | 165 | 12 | 5.3% |
| Putnam County | 56 | 43 | 1 | 1.8% |
| Cabell County | 26 | 16 | 0 | 0.0% |
| Boone County | 24 | 17 | 0 | 0.0% |
| Jackson County | 15 | 13 | 0 | 0.0% |
| Raleigh County | 13 | 10 | 2 | 15.4% |
| Marshall County | 12 | 11 | 0 | 0.0% |
| Nicholas County | 10 | 8 | 1 | 10.0% |
| Logan County | 9 | 5 | 0 | 0.0% |
| Fayette County | 8 | 7 | 0 | 0.0% |
Other large lenders in West Virginia
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 3,615 | 23.0% | 6.88% |
| Vanderbilt Mortgage and Finance | F | 3,214 | 38.5% | 9.99% |
| City National Bank of West Virginia | C | 2,870 | 25.0% | 6.29% |
| The Huntington National Bank | D | 2,194 | 28.1% | 7.00% |
| Truist Bank | C | 1,776 | 31.1% | 6.63% |
| Loandepot.Com | D | 1,624 | 18.7% | 6.58% |
| Mortgage Research Center | C | 1,592 | 17.4% | 6.25% |
| WesBanco Bank | B | 1,475 | 16.7% | 6.01% |
| Movement Mortgage | A | 1,167 | 5.4% | 6.63% |
| Crosscountry Mortgage | B | 1,140 | 4.0% | 6.58% |
Frequently asked questions
West Virginia: 460 applications in 2025, of which 337 were originated and 17 denied.
3.7% of all applications, or 4.7% of the applications it actually decided on. The West Virginia statewide average across all lenders was 21.2%.
The median rate on loans Gateway First Bank originated in West Virginia 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 West Virginia, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology