Gateway First Bank Mortgage Lending & HMDA Data, 2022
In 2022, Gateway First Bank of Jenks, OK reported 34,688 mortgage applications totaling $8.8 billion, down 39% from 2021. The average application was for $254,930, and applicants reported an average income of $109,124. 53% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Houston-The Woodlands-Sugar Land, TX (2,856), San Antonio-New Braunfels, TX (1,961) and Dallas-Plano-Irving, TX (1,437) (applications in parentheses).
| Mortgage Company & Address | Gateway First Bank 244 South Gateway Place Jenks, OK 74037 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 |
| Total Number of Mortgage Applications | 34,688 |
| Total Mortgage Loan Application Amount | $8,843,030,000 |
| Average Mortgage Loan Application Amount | $254,930 |
| Highest Mortgage Loan Application Amount | $14,735,000 |
| Average Applicant Income | $109,124 |
| Highest Applicant Income | $4,788,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Gateway First Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
Mortgage Loan Application Detail Totals for Gateway First Bank in 2022
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 27,079 | $6,923,225,000 | $255,000 | $14,735,000 | $107,000 | $4,788,000 |
| Cash-out Refinancing | 4,105 | $1,043,995,000 | $254,000 | $2,155,000 | $110,000 | $1,151,000 |
| Refinancing | 2,775 | $762,655,000 | $274,000 | $2,095,000 | $126,000 | $1,316,000 |
| Other Purpose | 706 | $108,860,000 | $154,000 | $845,000 | $119,000 | $1,804,000 |
| Home Improvement | 23 | $4,295,000 | $186,000 | $545,000 | $115,000 | $553,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 19,810 | $5,274,130,000 | $266,000 | $2,775,000 | $116,000 | $1,951,000 |
| Hispanic | 6,183 | $1,418,355,000 | $229,000 | $1,585,000 | $95,000 | $4,788,000 |
| Black or African American | 3,583 | $735,585,000 | $205,000 | $1,445,000 | $84,000 | $1,804,000 |
| Not Provided | 3,236 | $859,700,000 | $265,000 | $2,095,000 | $115,000 | $1,263,000 |
| Asian | 868 | $263,100,000 | $303,000 | $975,000 | $132,000 | $838,000 |
| American Indian or Alaskan Native | 651 | $151,035,000 | $232,000 | $645,000 | $102,000 | $1,081,000 |
| Not applicable | 40 | $46,060,000 | $1,151,000 | $14,735,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 23 | $5,625,000 | $244,000 | $485,000 | $99,000 | $400,000 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 24,018 | $5,971,870,000 | $248,000 | $14,735,000 | $120,000 | $4,788,000 |
| FHA-insured (Federal Housing Administration) | 6,551 | $1,530,675,000 | $233,000 | $985,000 | $76,000 | $467,000 |
| VA-guaranteed (Veterans Administration) | 3,476 | $1,230,110,000 | $353,000 | $1,585,000 | $107,000 | $1,172,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 643 | $110,375,000 | $171,000 | $475,000 | $58,000 | $120,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 18,416 | $4,491,140,000 | $243,000 | $14,735,000 | $107,000 | $4,788,000 |
| Loan Purchased By The Institution | 7,936 | $2,336,120,000 | $294,000 | $975,000 | $120,000 | $1,193,000 |
| Application Withdrawn By Applicant | 6,515 | $1,618,465,000 | $248,000 | $2,775,000 | $109,000 | $2,028,000 |
| Application Denied By Financial Institution | 1,439 | $306,215,000 | $212,000 | $1,035,000 | $80,000 | $1,804,000 |
| Application Approved But Not Accepted | 226 | $53,420,000 | $236,000 | $725,000 | $109,000 | $717,000 |
| File Closed For Incompleteness | 156 | $37,670,000 | $241,000 | $825,000 | $102,000 | $620,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 33,249 | $8,536,815,000 | $256,000 | $14,735,000 | $110,000 | $4,788,000 |
| Debt-To-Income Ratio | 760 | $168,950,000 | $222,000 | $925,000 | $61,000 | $311,000 |
| Credit History | 313 | $59,075,000 | $188,000 | $905,000 | $95,000 | $1,804,000 |
| Collateral | 110 | $21,800,000 | $198,000 | $1,035,000 | $110,000 | $1,172,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 61 | $14,185,000 | $232,000 | $1,005,000 | $101,000 | $450,000 |
| Unverifiable Information | 53 | $13,535,000 | $255,000 | $845,000 | $110,000 | $477,000 |
| Mortgage Insurance Denied | 47 | $11,035,000 | $234,000 | $565,000 | $107,000 | $464,000 |
| Other | 45 | $8,695,000 | $193,000 | $995,000 | $124,000 | $1,138,000 |
| Employment History | 40 | $6,870,000 | $171,000 | $495,000 | $71,000 | $260,000 |
| Credit Application Incomplete | 10 | $2,070,000 | $207,000 | $465,000 | $85,000 | $192,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Gateway First Bank's 2022 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Gateway First Bank's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Oklahoma, download the full spreadsheet
with aggregated HMDA statistics today.
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