Gateway First Bank
7,952 mortgages originated in 2025 across 19 states, and what they cost borrowers.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 7,952
- Median rate
- 6.625%
- Median lender fees
- $5,580
- Median loan amount
- $235,000
- Median spread over APOR
- 0.255
- Paid discount points
- 47.6%
- Received lender credits
- 17.8%
- Purchases / refinances
- 82.8% / 14.9%
- Conventional / FHA / VA
- 66.4% / 22.7% / 9.4%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 79.3% of loans here — see methodology.
Where Gateway First Bank lent
States with at least 50 loans in 2025, ranked by volume.
| State | Loans | Median fees | Median rate |
|---|---|---|---|
| Texas | 2,178 | $7,283 | 6.625% |
| Oklahoma | 1,547 | $5,180 | 6.500% |
| South Carolina | 653 | $5,553 | 6.625% |
| Kansas | 533 | $3,681 | 6.625% |
| Arkansas | 350 | $3,973 | 6.375% |
| New Jersey | 337 | $7,231 | 6.625% |
| West Virginia | 337 | $4,995 | 6.625% |
| Missouri | 254 | $3,410 | 6.625% |
| Florida | 223 | $6,982 | 6.625% |
| New Mexico | 216 | $4,990 | 6.625% |
| Tennessee | 194 | $6,338 | 6.625% |
| North Carolina | 193 | $4,974 | 6.750% |
| Colorado | 188 | $10,051 | 6.500% |
| South Dakota | 148 | $3,973 | 6.250% |
| Ohio | 144 | $6,517 | 6.750% |
| Nebraska | 92 | $2,794 | 6.625% |
| Nevada | 63 | $7,175 | 6.625% |
| Indiana | 62 | — | 6.750% |
| Pennsylvania | 52 | — | 6.625% |