We analyzed every closed loan from Gateway First Bank — 6.8k loans across 9k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Acceptable
2/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · VA · Jumbo · USDA
Place
Strong
4/5
Near-National · 49 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
Conventional
Superstar
FHA
Superstar
VA
Superstar
USDA
Superstar
Purchase
Superstar
Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and USDA loans
- Nationwide availability with consistent service
Things to Think About
- Pricing may be below industry average
Explore another lender or local market
Report Card
Gateway First Bank performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+45.3 bps above market avg
2/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
3,928 loans · 0.45% above market
Exceptional
Top 20% of lenders
5/5
FHA
1,930 loans · 0.66% above market
Exceptional
Top 20% of lenders
5/5
VA
750 loans · 0.21% below market
Exceptional
Top 20% of lenders
5/5
Jumbo
30 loans · 0.66% above market
Sound
Top 60% of lenders
3/5
USDA
128 loans · 0.59% above market
Exceptional
Top 20% of lenders
5/5
By Loan Purpose· Transaction purpose mix
Purchase
5,961 loans · 0.45% above market
Exceptional
Top 20% of lenders
5/5
Refinance
805 loans · 0.46% above market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Near-National · 50 markets
Strong
Top 40% of lenders
4/5
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 3,928 | 58.1% | +0.450%Above | $2,843Fees | ||||
FHA Loans | 1,930 | 28.5% | +0.659%Above | $3,009Fees | ||||
VA Loans | 750 | 11.1% | -0.208%Below | $2,303Fees | ||||
Jumbo Loans | 30 | 0.4% | +0.655%Above | $2,110Fees | ||||
USDA Loans | 128 | 1.9% | +0.590%Above | $1,958Fees |
Conventional
OverallStrong
ProductExceptional
PricingAcceptable
Pull ThroughStrong
Volume3,928
Mix58.1%
Spread
+0.450%Above
Fees
$2,843Fees
FHA Loans
OverallStrong
ProductExceptional
PricingAcceptable
Pull ThroughStrong
Volume1,930
Mix28.5%
Spread
+0.659%Above
Fees
$3,009Fees
VA Loans
OverallStrong
ProductExceptional
PricingSound
Pull ThroughStrong
Volume750
Mix11.1%
Spread
-0.208%Below
Fees
$2,303Fees
Jumbo Loans
OverallAcceptable
ProductSound
PricingMediocre
Pull ThroughAcceptable
Volume30
Mix0.4%
Spread
+0.655%Above
Fees
$2,110Fees
USDA Loans
OverallStrong
ProductExceptional
PricingAcceptable
Pull ThroughStrong
Volume128
Mix1.9%
Spread
+0.590%Above
Fees
$1,958Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 5,961 | 88.1% | +0.452%Above | $2,764Fees | ||||
Refinance | 805 | 11.9% | +0.463%Above | $3,219Fees |
Purchase
OverallStrong
ProductExceptional
PricingAcceptable
Pull ThroughStrong
Volume5,961
Mix88.1%
Spread
+0.452%Above
Fees
$2,764Fees
Refinance
OverallSound
ProductStrong
PricingAcceptable
Pull ThroughSound
Volume805
Mix11.9%
Spread
+0.463%Above
Fees
$3,219Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
6,766
Applications
9,472
Volume
$1 billion
Pricing & Closing
Avg Rate Spread
+0.453%
vs. market APOR
Avg Net Fees
$2,832
Origination − Credits
Pullthrough Rate
71.4%
Applications → Closed
Typical Borrower
Avg Loan Amount
$287,207
Avg Borrower Income
$126,729
Avg Property Value
$357,048
Geographic Coverage
Geographic Performance
Metro Areas
49
markets with activity
States Served
38
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
38Full-year 2024 · HMDALoans originated
< 5050–100100–200200+None
Northeast2
NJPA
Midwest11
IAILINKSMIMNMONEOHSDWI
South15
ALARDEFLGAKYLAMDNCOKSCTNTXVAWV
West10
AZCOIDMTNMNVORUTWAWY
Top Metro Areas by Place Specialization Score
9© No machine-readable author provided. Billy Hathorn assumed (based on copyright claims). · CC BY-SA 3.0Fort Worth, TXMetro
Volume 256Mix 3.78% of portfolio
78/100
Strong
Showing 10 of 49 metro areas
Top States by Place Specialization Score
Showing 10 of 25 states
How We Rank Lenders
Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.
Our Point System (Max 50 Points)
10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion(80%+ = 40-50 points)
Superstar(60-79% = 30-39 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.