Lender in Texas · HMDA 2025
Gateway First Bank mortgages in Texas
Gateway First Bank's 2025 home-purchase and refinance lending in Texas, compared with all lenders in the state.
Gateway First Bank originated 1,667 owner-occupied single-family loans in Texas from 1,784 completed applications.
Its median conventional purchase loan costs were $6,920 versus $6,860 for all Texas lenders, at a median 30-year fixed rate of 6.625% (Texas: 6.50%).
Loans in TX
1,667
of 1,784 applications
Denial rate
4.1%
Purchase · TX 10.2%
Rate spread
+0.17 pts
Conv. · TX +0.09 pts
Loan amount
$285,000
Purchase · TX $315,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 1,400 | 1,334 | 4.1% | 6.625% | +0.17 pts | $6,920 | $285,000 |
| Refinance | 195 | 175 | 10.3% | 6.625% | +0.15 pts | $5,710 | $385,000 |
| Cash-out refinance | 189 | 158 | 15.3% | 7.000% | +0.48 pts | $6,260 | $245,000 |
*Conventional loans only; medians with at least 20 loans.
Texas counties where Gateway First Bank ranks in the top 25
Showing the 30 counties where it ranks highest, of 44.
| County | Rank | Loans | Market share |
|---|---|---|---|
| Matagorda County | 1 | 31 | 10.6% |
| Zapata County | 1 | 7 | 17.1% |
| Maverick County | 2 | 32 | 10.0% |
| Collingsworth County | 2 | 1 | 9.1% |
| Wharton County | 4 | 16 | 5.3% |
| Hartley County | 5 | 4 | 7.1% |
| Jim Hogg County | 5 | 1 | 7.1% |
| Duval County | 6 | 1 | 5.3% |
| Zavala County | 6 | 1 | 7.1% |
| Kimble County | 7 | 1 | 4.2% |
| Somervell County | 8 | 4 | 3.2% |
| Brazoria County | 9 | 121 | 2.0% |
| Ellis County | 9 | 117 | 2.4% |
| Erath County | 9 | 8 | 2.2% |
| Hood County | 10 | 32 | 2.4% |
| Kleberg County | 10 | 5 | 2.6% |
| Freestone County | 10 | 3 | 1.9% |
| Eastland County | 10 | 2 | 1.6% |
| Jackson County | 10 | 2 | 2.0% |
| Brewster County | 10 | 1 | 1.7% |
| Palo Pinto County | 11 | 5 | 1.8% |
| Mills County | 11 | 1 | 2.3% |
| Tyler County | 12 | 3 | 1.9% |
| Dallam County | 12 | 1 | 2.0% |
| Frio County | 13 | 1 | 2.0% |
| Stephens County | 13 | 1 | 1.5% |
| Galveston County | 14 | 81 | 1.5% |
| Hill County | 15 | 6 | 1.4% |
| Bee County | 15 | 2 | 1.4% |
| Colorado County | 15 | 2 | 1.5% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology