U.S. Mortgage Index

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Public institution profile · Bank · Not a recommendation

Gateway First Bank

BankJenks, OKActive

FDIC certificate 15118

Data observedAugust 5, 2026Section records may have different source dates.

Identifiers, verification, and corrections

Stable identifiers

Publication-authorized verified identifiers only. Missing applicable identifiers are shown as unpublished verified matches, not as a finding that no record exists.

FDIC certificate
15118
company ID
Not published — no verified match
More identifiers
Federal Reserve
3851427
OCC charter number
Not published — no verified match
Not published — no verified match
Official website
https://www.gatewayfirst.com

Verify at FDICVerify at FFIEC NIC / regulator

Identity verified through FDIC; additional sources pendingVerification describes the U.S. Mortgage Index public-source matching process. It is not an endorsement or recommendation. Read the methodology

Profile notes

This is a descriptive public-record research profile. It is not a recommendation, eligibility decision, product assessment, or rate quote.

Data correction

Institutions or readers may request review when a published field differs from an official source. Provide the relevant official source URL with the request.

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At a glance

Institution type
Bank
Status
Active
Headquarters
Jenks, OK
HMDA activity
Published activity year 2025
Listed branch locations
9
Complaint records
CFPB search status is not currently available.
CRA examinations
Satisfactory, exam June 1, 2023
Institution history
1 published events

What USMI publishes

Public records USMI has matched to this institution. The sections below keep the evidence, the source, and that section's date together.

Institution type
Bank
Status
Active
Headquarters
Jenks, OK
activity
Published activity year 2025
Listed branch locations
9
Complaint records
CFPB search status is not currently available.
CRA examinations
Satisfactory, exam June 1, 2023
Institution history
1 published events

Mortgage FAQ: How can I check whether a company or person can make or broker mortgage loans? This is general mortgage education, not a finding about this institution.

What this profile is not

  • Not a lender recommendation or ranking.
  • Not a mortgage rate sheet or quote.
  • Not an underwriting, approval, or eligibility decision.
  • Not proof of an NMLS license unless a verified NMLS company ID/source is specifically published.
  • Not a complaint-resolution channel.
  • Missing source blocks do not establish that an institution lacks an activity, identifier, license or regulatory record.

HMDA

Mortgage activity

Reported records for the selected year. These figures are not a lender score.

12,752reported records

7,952reported originations

2025 reported mortgage activity. Source: HMDA.

HMDA2025The year selector below shows each published activity year.

Ask about this activity

activity

Mortgage activity reported in HMDA. Public HMDA records are available for 2018–2025.

Geographynationwide

HMDA source observed2026-08-09

HMDA records

12,752

2025

Loan originations

7,952

2025

Denials

451

2025

Withdrawals

2,538

2025

Denial rate among decisioned applications

5.3%

2025

Annual history

Scroll sideways to review every HMDA column.

Annual HMDA activity history
YearHMDA recordsOriginationsApproved but not acceptedDenialsWithdrawalsDenial rate
202512,7527,952584512,5385.3%
202413,1038,366585602,7416.2%
202318,67810,756738363,8067.2%
202234,68818,4162261,4396,5157.2%
202156,78035,9193322,3129,1706.0%
202065,83739,5971742,04510,5694.9%
201948,40524,1421521,4767,4085.7%
201838,15819,1491221,5177,1597.3%

Detailed activity

Loan type and purpose

Loan type and purpose breakdown for 2025
CategoryHMDA records
Conventional8,070
FHA2,508
VA2,003
RHS / FSA171
Home purchase10,085
Home improvement47
Refinancing1,371
Cash-out refinancing1,030

State reporting

42 states / territories reported

How to read these figures

HMDA records include applications, originations, purchased loans and other reportable actions. The total number of HMDA records is not the same as the number of mortgages originated. The displayed denial rate uses decisioned applications: originations, approved but not accepted, and denials.

CFPB

CFPB consumer submissions

Complaints are consumer submissions and are not findings of wrongdoing.

CFPBComplaint coverage dates are shown with the records. They are not the profile observed date.

Ask about these complaints

CFPB Mortgage Complaint Activity

Current USMI CFPB mortgage complaint coverage begins December 1, 2012. Data through August 20, 2026.

Total CFPB mortgage complaint records

219

Coverage start

December 1, 2012

Data through

August 20, 2026

Annual activity

CFPB mortgage complaint records by year
YearComplaint records
20121
20138
20149
201510
201616
201719
201819
201916
202012
202119
202229
202318
202411
202518
202614

Leading issues

  1. Trouble during payment process

    None

    52

  2. Loan servicing, payments, escrow account

    None

    34

  3. Struggling to pay mortgage

    None

    23

  4. Applying for a mortgage or refinancing an existing mortgage

    None

    15

  5. Closing on a mortgage

    None

    15

View all issues (33)

  1. Trouble during payment process

    Escrow, taxes, or insurance

    10

  2. Loan modification,collection,foreclosure

    None

    8

  3. Incorrect information on your report

    Account status incorrect

    6

  4. Struggling to pay mortgage

    Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu

    6

  5. Application, originator, mortgage broker

    None

    5

  6. Settlement process and costs

    None

    5

  7. Trouble during payment process

    Trying to communicate with the company to fix an issue while managing or servicing your loan

    5

  8. Struggling to pay mortgage

    Foreclosure

    4

  9. Trouble during payment process

    Payment process

    4

  10. Trouble during payment process

    Private mortgage insurance (PMI)

    4

  11. Applying for a mortgage or refinancing an existing mortgage

    Application denials

    2

  12. Closing on a mortgage

    Changes in loan terms during or after closing

    2

  13. Incorrect information on your report

    Account information incorrect

    2

  14. Problem with a credit reporting company's investigation into an existing problem

    Their investigation did not fix an error on your report

    2

  15. Struggling to pay mortgage

    Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

    2

  16. Applying for a mortgage or refinancing an existing mortgage

    Confusing or misleading advertising or marketing

    1

  17. Applying for a mortgage or refinancing an existing mortgage

    Delays in the application process

    1

  18. Applying for a mortgage or refinancing an existing mortgage

    Loan estimate or other related disclosures

    1

  19. Applying for a mortgage or refinancing an existing mortgage

    Negative impact of inaccurate appraisal

    1

  20. Closing on a mortgage

    Closing disclosure or other related disclosures

    1

  21. Closing on a mortgage

    Trying to communicate with the company to fix an issue with the loan closing

    1

  22. Improper use of your report

    Reporting company used your report improperly

    1

  23. Other

    None

    1

  24. Problem with a credit reporting company's investigation into an existing problem

    Investigation took more than 30 days

    1

  25. Struggling to pay mortgage

    An existing modification, forbearance plan, short sale, or other loss mitigation relief

    1

  26. Trouble during payment process

    Fees charged

    1

  27. Trouble during payment process

    Lien release

    1

  28. Trouble during payment process

    Loan sold or transferred to another company

    1

States

  1. Texas

    93

  2. Oklahoma

    18

  3. Louisiana

    13

  4. New Jersey

    13

  5. South Carolina

    10

View all states (28)

  1. Arkansas

    8

  2. Florida

    7

  3. California

    6

  4. Missouri

    6

  5. Alabama

    5

  6. Kansas

    5

  7. Georgia

    4

  8. New Mexico

    4

  9. Virginia

    4

  10. Colorado

    3

  11. None

    3

  12. Washington

    3

  13. Oregon

    2

  14. South Dakota

    2

  15. Tennessee

    2

  16. Illinois

    1

  17. Indiana

    1

  18. Mississippi

    1

  19. Nebraska

    1

  20. Nevada

    1

  21. New York

    1

  22. Ohio

    1

  23. Pennsylvania

    1

Company response

  1. Closed with explanation

    190

  2. Closed with monetary relief

    18

  3. Closed with non-monetary relief

    10

  4. In progress

    1

Timely response

Timely-response figures are a count distribution as reported to CFPB, not a score.

  1. Yes

    216

  2. No

    3

How to read these figures

Complaint volume is context. It is affected by company size, servicing volume, time in market and consumer awareness. It is not proof of wrongdoing. CFPB complaint records are submissions received by the Consumer Financial Protection Bureau. Complaint volume does not establish misconduct or wrongdoing. Counts can be influenced by company size, mortgage servicing volume, time in operation, consumer awareness and reporting, and corporate reporting structure. U.S. Mortgage Index does not treat complaint allegations as independently verified facts.

Read the methodology

Learn more: What can I do if I think a mortgage lender discriminated against me? This is general mortgage education, not a finding about this institution.

Regulatory records

Regulatory & institutional records

Only records that apply to this institution are shown. Identifiers stay as published.

FFIEC NICAugust 19, 2026Observed date for the NIC institution record.

Ask about this regulatory record

Institution identity

FDIC BankFind baseline

FDIC-reported identity and institutional fields from the public BankFind record. These values are not described as current or real-time.

Legal name
Gateway First Bank
Display name
Gateway First Bank
Institution status
Active
FDIC insured
Yes
FDIC insured since
May 3, 1935
Established date
March 2, 1935
Charter class
State-chartered commercial bank, not a member of the Federal Reserve System (FRS)
Primary federal regulator
Federal Deposit Insurance Corporation
Headquarters
Jenks, OK, 74037, United States
Website
https://www.gatewayfirst.com
FDIC certificate number
15118
Federal Reserve
3851427
Domestic location count
16
Source observed
August 5, 2026

Regulatory information

Regulatory profile

Public FFIEC NIC and CRA records for this institution, presented as source-backed regulatory context rather than a score or recommendation.

Regulatory identity

Institution status
ACTIVE
Primary federal regulator
FDIC
Institution type
Non-member Bank
Primary activity
NAICS 52211
FDIC certificate
15118
Federal Reserve
3851427
54930034MNPILHP25H80
Headquarters
244 South Gateway Place, Jenks, OK, 74037-3448, United States
Primary deposit insurer
Deposit Insurance Fund (DIF)
Source observed
August 19, 2026

Community Reinvestment Act (CRA)

Latest available CRA evaluation

Rating
Satisfactory
Exam date
June 1, 2023
Regulator
FDIC
Examination method
Large Bank Exam

This information reflects Community Reinvestment Act examination ratings reported by the cited official source. It is not a US Mortgage Index rating, recommendation, or assessment of the institution.

CRA evaluations are examination results from the relevant regulatory process and should be interpreted in the context of the examination date and source.

Historical CRA evaluations

Scroll sideways to see every CRA examination column.

Historical CRA evaluations
Exam dateCRA ratingRegulatorExamination method
June 1, 2023SatisfactoryFDICLarge Bank Exam
July 1, 2020SatisfactoryFDICSmall Bank
February 1, 2017SatisfactoryFDICSmall Bank
November 1, 2013SatisfactoryFDICSmall Bank
July 5, 2008SatisfactoryFDICSmall Bank
July 1, 2003SatisfactoryFDICSmall Bank
August 1, 1997OutstandingFDICSmall Bank
January 1, 1995OutstandingFDICNot Reported
July 1, 1992OutstandingFDICNot Reported
July 30, 1990SatisfactoryFDICNot Reported

Read the methodology

Formal hierarchy

FFIEC NIC hierarchy rows

1

Showing 1 of 1 relationship records

FFIEC NIC organizational relationships
RelationshipInstitutionTypeLocation
ROOT_INSTITUTIONGATEWAY FIRST BANKNon-member BankJenks, OK

These rows are the FFIEC NIC formal hierarchy. They are not branch locations and they are not the separate institution-relationship records.

FFIEC NIC information reflects public regulatory records observed on the displayed source date. Observed dates describe when the public record was reviewed, not a real-time update.

Additional profile fields

Fields below supplement the primary source baseline and are shown only when present on the public profile.

Entity type
FDIC-insured state-chartered nonmember bank

Locations

Branch and office locations

Start with the published count and primary location. Search stays paged so the first view stays readable.

FFIEC NIC branchesAugust 19, 2026Branch rows are paged. Filters stay in the page address.

Ask about these locations

Branch locations

Listed locations from FFIEC NIC. Counts use the published branch record, not a store locator.

Branch network

Listed locations

9

Showing 1 through 9 of 9 listed locations

Scroll sideways to see every branch column.

Showing 1 through 9 of 9 FFIEC NIC branch locations
BranchAddressCityStatePostal code
BARTLESVILLE BRANCH422 Dewey AvenueBartlesvilleOK74003
CHEROKEE BRANCH419 South GrandCherokeeOK73728
HELENA BRANCHThird And Main STHelenaOK73741
JENKS MAIN STREET BRANCH100 S. Gateway PlaceJenksOK74037
NASH BRANCH107 South Main StreetNashOK73761
OKLAHOMA CITY WATERFORD BLVD BRANCH6303 Waterford Blvd.Oklahoma CityOK73118
TONKAWA BRANCH111 East GrandTonkawaOK74653
TONKAWA DRIVE UP BRANCH116 North 7th StreetTonkawaOK74653
WARREN BRANCH - TULSA6120 S Yale AveTulsaOK74136

FFIEC NIC information reflects public regulatory records observed on the displayed source date. Observed dates describe when the public record was reviewed, not a real-time update.

History

Institution history

Events are listed by date. The source event type is kept with the record.

HistoryAugust 19, 2026Event dates come from the source row. The observed date is when USMI reviewed the file.

Ask about this history

Institution history

History events from FFIEC NIC, newest first. USMI does not add a merger or failure narrative.

Institutional history

FFIEC NIC history events

1

Showing 1 of 1 history events

FFIEC NIC institutional history events
Event dateEvent typeRelated institution
May 4, 2019Charter Discontinued (Merger or Purchase & Assumption)—

These events are shown as reported by the FFIEC NIC source and are not independent legal conclusions.

FFIEC NIC information reflects public regulatory records observed on the displayed source date. Observed dates describe when the public record was reviewed, not a real-time update.

SourcesEach source keeps its own observed date. Dates are not combined into one profile date.

Ask about these sources

Sources & methodology

Sources are shown as recorded in the published public views. Observed dates describe when a public record was reviewed, not a real-time update.

CFPB Consumer Complaint Database search

Consumer Financial Protection Bureau

Source reviewed2026-08-05

Limitation

Complaint records are consumer submissions. A complaint is not proof of wrongdoing, and absence from this profile is not proof that no complaint exists elsewhere.

Methodology

HMDA modified LAR

Consumer Financial Protection Bureau

Source reviewed2026-08-05

Limitation

HMDA counts describe reported records for the published geography and year. They are not a quality score or a market-rank.

Methodology

Cite this profile

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