Gateway First Bank denied 7.7% of its 1,973 decisioned FHA applications in 2025 — rank #74 of the 100 largest FHA lenders, below the national rate of 21.7%. Source: complete CFPB HMDA 2025 federal record. Observed rates reflect applicant mix and channel as well as underwriting — not an endorsement or a warning.
Top cited reasons on denied files in 2025: credit history (32.3%), debt-to-income (30.7%), other (7.8%) (shares of all cited reasons; a denied file may cite several). Reason codes record outcomes, not causes — context: the reason fingerprint.
| State | FHA apps | Denial rate |
|---|---|---|
| WV | 134 | 6.0% |
Largest state markets (cells n≥100). State pages: the door map.
Nobody. Gateway First Bank did not pay to appear here and cannot pay to change this page. FinanceRateCalc is not a lender, has no lending partners, and sells no leads — tables are processed independently from federal filings by a former banker with 23 years of credit experience. Compare: all 100 lenders ranked · all 52 states · five myths vs the record.