Mortgage lending in Gaston County, North Carolina
Lenders in Gaston County, North Carolina reported 12,380 mortgage applications for 2025, according to the CFPB.
12,380 mortgage applications and 7,009 loans originated in 2025; the denial rate was 23.9% of 9,735 applications decided. The median loan was about $245,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Charlotte-Concord-Gastonia, NC-SC HUD Metro FMR Area.
- 12,380
- Applications
- 7,009
- Loans originated
- 23.9%
- Denial rate
- 2,322 denied of 9,735 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 12,380 | 7,009 |
| 2024 | 11,163 | 6,472 |
| 2023 | 10,397 | 6,001 |
| 2022 | 13,140 | 7,944 |
| 2021 | 18,566 | 11,983 |
| 2020 | 16,484 | 10,471 |
| 2019 | 12,053 | 7,338 |
| 2018 | 10,074 | 5,942 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Rocket Mortgage | 574 | 775 |
| State Employees' Credit Union | 487 | 821 |
| United Wholesale Mortgage | 398 | 565 |
| Movement Mortgage, LLC | 262 | 359 |
| loanDepot.com LLC | 215 | 412 |
| Truist Bank | 210 | 379 |
| DHI Mortgage Company, LTD. | 189 | 242 |
| Truliant Federal Credit Union | 179 | 390 |
| Bank of America NA | 158 | 340 |
| American Security Mortgage Cor | 150 | 187 |
| First National Bank of PA | 129 | 184 |
| Lennar Mortgage, LLC | 125 | 180 |
| Southstate Bank, National Association | 123 | 180 |
| Crosscountry Mortgage, LLC | 104 | 165 |
| Atlantic Bay Mortgage Group | 103 | 141 |
| Guild Mortgage Company | 98 | 132 |
| Pennymac Loan Services LLC | 90 | 177 |
| Pulte Mortgage LLC | 84 | 118 |
| Freedom Mortgage Corporation | 82 | 176 |
| Mortgage Research Center | 79 | 197 |
| Navy Federal Credit Union | 72 | 150 |
| Kiavi Funding, Inc. | 72 | 93 |
| Guaranteed Rate, Inc. | 72 | 130 |
| Fairway Independent Mort Corp | 69 | 97 |
| Newrez LLC | 67 | 183 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 88 | 35.4% of 65 decided |
| Asian | 284 | 20.7% of 227 decided |
| Black or African American | 1,932 | 30.5% of 1,490 decided |
| Native Hawaiian or Other Pacific Islander | withheld | |
| White | 7,384 | 21.9% of 5,931 decided |
| 2 or more minority races | 32 | no rate: base under 50 |
| Joint | 214 | 22.2% of 171 decided |
| Free Form Text Only | under 10 | |
| Race Not Available | 2,411 | 24.5% of 1,801 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 1,258 | 27.3% of 975 decided |
| Not Hispanic or Latino | 8,661 | 23.3% of 6,943 decided |
| Joint | 226 | 16.2% of 179 decided |
| Ethnicity Not Available | 2,224 | 24.9% of 1,631 decided |
| Free Form Text Only | 11 | no rate: base under 50 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 4,202 | 24.9% of 3,267 decided |
| Female | 3,070 | 28.0% of 2,437 decided |
| Joint | 3,792 | 19.3% of 3,057 decided |
| Sex Not Available | 1,316 | 24.0% of 974 decided |
A category under 10 applications prints “under 10”, and beside a lone one the next-smallest is withheld too, so neither can be worked out from the whole. No rate is printed on fewer than 50 decisions. A denial rate does not control for credit history, income, debt or the property, so a difference between groups is not a measure of discrimination.
Rankings this appears in
- No. 622 Counties by median mortgage
Sources
- HMDA public loan/application register (LAR) — each year's fullest national release — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- Census Bureau population estimates — nation and states, with components of change — U.S. Census Bureau · U.S. Government work · retrieved September 25, 2026
- HMDA transmittal sheet — every reporting lender, by year, with its name — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder
- Census Bureau county population estimates — U.S. Census Bureau · U.S. Government work · retrieved September 23, 2026
Compiled automatically from HMDA public loan/application register (LAR) — each year's fullest national release, Census Bureau population estimates — nation and states, with components of change, HMDA transmittal sheet — every reporting lender, by year, with its name, HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder and Census Bureau county population estimates by a checked SQL query · Editor: Kian O'Connor · How this site is built
Data retrieved