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Gaston County, North Carolina · 2025

Mortgage lenders in Gaston County, NC: denial rates and top lenders (2025)

424 lenders acted on 12,380 mortgage applications for properties in Gaston County in 2025. 18.8% were denied (North Carolina: 18.1%). Median rate on closed loans 6.50%; median loan $215,000; median property value $335,000.

12kApplications
18.8%Denial ratestate 18.1%
6.50%Median ratestate 6.50%
$215,000Median loan
$335,000Median property value

Largest lenders in Gaston County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 State Employees' C 821487 25.7%6.25%
2 Rocket Mortgage C 775574 15.0%6.63%
3 United Shore Financial Services B 565398 12.6%6.13%
4 Vanderbilt Mortgage and Finance F 47128 40.6%10.38%
5 Loandepot.Com D 412215 30.3%5.63%
6 Truliant Federal Credit Union D 390179 44.6%7.25%
7 Truist Bank C 379210 29.6%6.75%
8 Movement Mortgage A 359262 3.3%6.63%
9 Bank of America F 340158 31.2%6.24%
10 Dhi Mortgage Company B 242189 5.0%5.38%
11 Mortgage Research Center C 19779 20.8%6.25%
12 American Security Mortgage A 187150 0.0%6.50%
13 First National Bank of Pennsylvania B 184129 19.0%6.25%
14 Newrez D 18367 20.2%6.25%
15 SouthState Bank B 180123 20.6%6.75%
16 Lennar Mortgage A 180125 13.3%4.63%
17 Pennymac Loan Services C 17790 14.1%6.13%
18 Freedom Mortgage B 17682 6.3%6.25%
19 Crosscountry Mortgage B 165104 3.6%6.63%
20 Broker Solutions D 15656 9.0%6.63%
21 Navy Federal Credit Union D 15072 17.3%6.75%
22 Atlantic Bay Mortgage Group A 141103 2.8%6.50%
23 Guild Mortgage A 13298 3.0%6.63%
24 Guaranteed Rate B 13072 9.2%6.55%
25 AmeriSave Mortgage D 12238 57.4%7.88%

Best approval odds in Gaston County

Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.

#LenderDecidedDecision denial rate
1Unnamed lender 254900YZ174H294JW398520.0%
2Coastal Community Bank830.0%
3American Security Mortgage1610.0%
4Pulte Mortgage851.2%
5Alcova Mortgage521.9%
6Fairway Independent Mortgage732.7%
7Union Home Mortgage643.1%
8Zillow Home Loans553.6%
9Guild Mortgage1103.6%
10Atlantic Bay Mortgage Group1083.7%

What Gaston County borrowers applied for

By loan purpose

Home purchase 5,983 48% · 11.2% denied
Refinance 1,851 15% · 16.4% denied
Cash-out refinance 2,193 18% · 25.2% denied
Home improvement 1,091 9% · 35.9% denied
Other / HELOC 1,262 10% · 32.3% denied

By loan type

Conventional 8,798 71% · 19.8% denied
FHA 2,457 20% · 17.2% denied
VA 1,067 9% · 14.6% denied
USDA / RHS 58 0% · 5.2% denied

Why applications were denied

Debt-to-income ratio 771 33%
Credit history 658 28%
Collateral 295 13%
Incomplete application 240 10%
Other 160 7%
Unverifiable information 133 6%
Insufficient cash 46 2%
Employment history 19 1%

Gaston County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
202310,3976,00120.0%6.75%$185,000
202411,1636,47219.4%6.75%$205,000
202512,3807,00918.8%6.50%$215,000

Frequently asked questions

18.8% of applications in Gaston County were denied in 2025, against 18.1% statewide in North Carolina.

State Employees', with 821 applications in 2025 and a denial rate of 25.7%.

The median mortgage application in Gaston County in 2025 was for $215,000; the median property value on originated loans was $335,000.