Mortgage lenders in Gaston County
7,009 mortgages were made in Gaston County, North Carolina, in 2025, by 436 lenders. The median rate their borrowers got was 6.500% on a median loan of $245,000. Of 9,735 decisions, 2,322 were denials — 23.8%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 574 | 6.625% | $205,000 | 16.2% |
| STATE EMPLOYEES' | 487 | 6.250% | $125,000 | 30.2% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 398 | 6.125% | $275,000 | 14.7% |
| MOVEMENT MORTGAGE, LLC | 262 | 6.625% | $270,000 | 3.9% |
| Loandepot.Com, LLC | 215 | 5.625% | $305,000 | 36.3% |
| Truist Bank | 210 | 6.750% | $105,000 | 33.2% |
| DHI MORTGAGE COMPANY, LTD. | 189 | 5.375% | $365,000 | 5.9% |
| Truliant Federal Credit Union | 179 | 7.250% | $95,000 | 48.9% |
| Bank of America, National Association | 158 | 6.240% | $180,000 | 40.2% |
| American Security Mortgage Corp. | 150 | 6.500% | $300,000 | 0.0% |
| First National Bank of Pennsylvania | 129 | 6.125% | $225,000 | 21.3% |
| LENNAR MORTGAGE, LLC | 125 | 4.625% | $295,000 | 16.1% |
| SouthState Bank, National Association | 123 | 6.625% | $125,000 | 22.6% |
| CROSSCOUNTRY MORTGAGE, INC. | 104 | 6.625% | $275,000 | 5.2% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 103 | 6.490% | $295,000 | 3.7% |
| GUILD MORTGAGE COMPANY | 98 | 6.500% | $265,000 | 3.6% |
| PENNYMAC LOAN SERVICES, LLC | 90 | 6.125% | $275,000 | 21.2% |
| PULTE MORTGAGE LLC | 84 | 6.500% | $415,000 | 1.2% |
| FREEDOM MORTGAGE CORPORATION | 82 | 6.250% | $250,000 | 10.1% |
| Mortgage Research Center, LLC | 79 | 6.250% | $335,000 | 33.6% |
| Navy Federal Credit Union | 72 | 6.750% | $235,000 | 26.0% |
| GUARANTEED RATE, INC. | 72 | 6.500% | $225,000 | 13.8% |
| Kiavi Funding, Inc. | 72 | 9.950% | $175,000 | 6.3% |
| Fairway Independent Mortgage Corporation | 69 | 6.750% | $245,000 | 2.7% |
| NEWREZ LLC | 67 | 6.250% | $235,000 | 35.6% |
| Wells Fargo Bank, National Association | 64 | 6.250% | $255,000 | 21.0% |
| UNION HOME MORTGAGE CORP. | 61 | 6.500% | $315,000 | 3.1% |
| Broker Solutions, Inc. | 56 | 6.625% | $220,000 | 20.0% |
| ZILLOW HOME LOANS, LLC | 53 | 6.625% | $275,000 | 3.6% |
| Towne Bank | 50 | 6.490% | $355,000 | 13.8% |
| First-Citizens Bank & Trust Company | 47 | 6.490% | $115,000 | 22.2% |
| FOUNDERS FEDERAL CREDIT UNION | 47 | 6.250% | $255,000 | 21.0% |
| SKYLA FEDERAL CREDIT UNION | 45 | 7.500% | $115,000 | 37.3% |
| U.S. Bank National Association | 45 | 6.490% | $385,000 | 22.4% |
| 254900YZ174H294JW398 | 45 | 6.500% | $415,000 | 0.0% |
| NATIONSTAR MORTGAGE LLC | 44 | 7.933% | $110,000 | 13.0% |
| JPMorgan Chase Bank, National Association | 43 | 6.375% | $245,000 | 4.3% |
| Fifth Third Bank, National Association | 40 | 6.990% | $205,000 | 36.9% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 40 | 6.625% | $300,000 | 17.7% |
| Alcova Mortgage LLC | 40 | 6.563% | $255,000 | 1.9% |
| Belmont Savings Bank, SSB | 39 | Not published | $365,000 | 2.4% |
| AmeriSave Mortgage Corporation | 38 | 7.875% | $95,000 | 63.6% |
| C & F Mortgage Corporation | 37 | 6.490% | $275,000 | 0.0% |
| PNC Bank, National Association | 36 | 6.500% | $110,000 | 32.7% |
| Ixonia Bank | 33 | 6.625% | $285,000 | 0.0% |
| Coastal Community Bank | 32 | 10.865% | $50,000 | 0.0% |
| FIGURE LENDING LLC | 32 | 10.438% | $45,000 | 25.4% |
| Atlantic Coast Mortgage, LLC | 32 | 6.625% | $255,000 | 0.0% |
| SPRING EQ, LLC | 31 | 9.505% | $85,000 | 58.8% |
| HOWARD HANNA FINANCIAL SERVICES, INC. | 30 | 6.500% | $315,000 | 6.3% |
| NVR Mortgage Finance, Inc. | 30 | 6.125% | $305,000 | 21.1% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 29 | 6.625% | $205,000 | 6.1% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 28 | 10.375% | $105,000 | 85.3% |
| First Federal Bank | 25 | 6.375% | $275,000 | 3.9% |
| SHARONVIEW FEDERAL CREDIT UNION | 24 | 7.500% | $90,000 | 53.2% |
| CAROLINAS TELCO FEDERAL CREDIT UNION | 24 | 7.500% | $105,000 | 11.1% |
| SOFI BANK, NATIONAL ASSOCIATION | 23 | 6.875% | $185,000 | 8.0% |
| CMG MORTGAGE, INC. | 23 | 6.500% | $325,000 | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 23 | 7.375% | $155,000 | 11.5% |
| The Fidelity Bank | 22 | 7.500% | $140,000 | 29.0% |
| RELIANCE FIRST CAPITAL, LLC | 22 | 6.500% | $175,000 | 4.4% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 22 | 7.275% | $205,000 | 0.0% |
| THE LOAN STORE, INC. | 21 | 6.875% | $335,000 | 10.3% |
| Primis Mortgage Company | 21 | 6.375% | $255,000 | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 21 | 6.500% | $285,000 | 8.7% |
| Bank OZK | 20 | 5.990% | $100,000 | 41.2% |
| Click n' Close, Inc. | 20 | 6.625% | $200,000 | 9.1% |
| PLANET HOME LENDING, LLC | 20 | 6.625% | $255,000 | 25.9% |
| LATINO COMMUNITY CREDIT UNION | 20 | 7.750% | $185,000 | 0.0% |
| First Horizon Bank | 18 | 7.660% | $130,000 | 51.3% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 18 | 6.375% | $285,000 | 0.0% |
| Lendage, LLC | 17 | 11.750% | $75,000 | 17.4% |
| AMERICAN FINANCIAL NETWORK, INC. | 16 | 6.750% | $290,000 | 0.0% |
| TD Bank, National Association | 16 | 6.625% | $750,000 | 20.0% |
| Uwharrie Bank | 16 | 6.563% | $250,000 | 5.9% |
| Easy Street Capital, LLC | 16 | 9.900% | $155,000 | 0.0% |
| LENDINGONE, LLC | 15 | 7.010% | $235,000 | 46.4% |
| GoodLeap, LLC | 15 | 6.375% | $75,000 | 45.5% |
| Loan Funder LLC | 15 | 10.750% | $175,000 | 11.8% |
| CARRINGTON MORTGAGE SERVICES, LLC | 14 | 6.188% | $175,000 | 45.7% |
| Peoples Bank | 14 | 6.913% | $255,000 | 33.3% |
| AMERIHOME MORTGAGE COMPANY, LLC | 14 | 6.500% | $310,000 | 28.6% |
| USAA Federal Savings Bank | 14 | 6.563% | $345,000 | 26.3% |
| Ameris Bank | 14 | 6.875% | $285,000 | 16.7% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 14 | 6.313% | $330,000 | 6.7% |
| NEW DAY FINANCIAL, LLC | 13 | 6.750% | $205,000 | 66.7% |
| BETTER MORTGAGE CORPORATION | 13 | 6.875% | $305,000 | 45.8% |
| Equity Prime Mortgage LLC | 13 | 6.500% | $245,000 | 18.8% |
| NBKC BANK | 13 | 6.125% | $305,000 | 18.8% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 13 | 6.490% | $235,000 | 22.2% |
| LIMA ONE CAPITAL, LLC | 13 | 9.500% | $245,000 | 13.3% |
| OriginPoint, LLC | 13 | 6.500% | $305,000 | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 12 | 5.750% | $240,000 | 40.0% |
| LOCAL GOVERNMENT | 12 | 8.000% | $50,000 | 50.0% |
| LOWER, LLC | 12 | 6.500% | $255,000 | 33.3% |
| KIND LENDING, LLC | 12 | 6.375% | $290,000 | 50.0% |
| Citizens Bank, National Association | 12 | 7.650% | $105,000 | 35.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 12 | 6.500% | $305,000 | 29.4% |
| FBC MORTGAGE, LLC | 12 | 4.990% | $325,000 | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 11 | 5.990% | $275,000 | 71.7% |
| Discover Bank | 11 | 8.740% | $65,000 | 71.1% |
| United Bank | 11 | 7.750% | $105,000 | 26.7% |
| CHAMPIONS FUNDING, LLC | 11 | 7.500% | $195,000 | 15.4% |
| Plains Commerce Bank | 11 | 6.625% | $345,000 | 0.0% |
| PREMIER LENDING, INC. | 11 | 6.875% | $255,000 | 0.0% |
| 254900M2C4Q6DATP2889 | 10 | 6.058% | $255,000 | 44.4% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 10 | 9.705% | $210,000 | 25.0% |
| PHH Mortgage Corporation | 10 | 6.125% | $550,000 | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 10 | 6.248% | $470,000 | 6.7% |
| ENVOY MORTGAGE, LTD | 10 | 6.688% | $285,000 | 8.3% |
| PLAZA HOME MORTGAGE, INC. | 10 | 6.125% | $290,000 | 37.5% |
| ALLEGACY FEDERAL CREDIT UNION | 10 | 5.750% | $130,000 | 21.4% |
| OCMBC, INC. | 10 | 8.188% | $240,000 | 0.0% |
| Flagstar Bank, N.A. | 10 | 6.781% | $255,000 | 21.4% |
| First Federal Savings Bank of Lincolnton | 10 | Not published | $320,000 | 15.4% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 10 | 6.188% | $295,000 | 9.1% |
| CANOPY MORTGAGE, LLC | 10 | 6.625% | $285,000 | 9.1% |
| GUARANTEED RATE AFFINITY, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Third Federal Savings and Loan Association of Cleveland | 9 | Under 10 loans | Under 10 loans | 47.1% |
| Regions Bank | 9 | Under 10 loans | Under 10 loans | 33.3% |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | 9 | Under 10 loans | Under 10 loans | 9.1% |
| TOP FLITE FINANCIAL, INC. | 9 | Under 10 loans | Under 10 loans | 16.7% |
| Commerce Home Mortgage, Inc. | 9 | Under 10 loans | Under 10 loans | 30.8% |
| Pinnacle Bank | 9 | Under 10 loans | Under 10 loans | 18.2% |
| GoPrime Mortgage, Inc. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Churchill Funding I LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| CONVENTUS LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| COASTAL Federal Credit Union | 8 | Under 10 loans | Under 10 loans | 42.9% |
| FINANCE OF AMERICA REVERSE LLC | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Northpointe Bank | 8 | Under 10 loans | Under 10 loans | 11.1% |
| CHURCHILL MORTGAGE CORPORATION | 8 | Under 10 loans | Under 10 loans | 0.0% |
| American Airlines Federal Credit Union | 7 | Under 10 loans | Under 10 loans | 40.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 7 | Under 10 loans | Under 10 loans | 16.7% |
| ROYAL UNITED MORTGAGE LLC | 7 | Under 10 loans | Under 10 loans | 38.5% |
| AMERICAN HERITAGE LENDING, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Simple, Inc. | 7 | Under 10 loans | Under 10 loans | 22.2% |
| SUCCESS LENDING, LLC | 7 | Under 10 loans | Under 10 loans | 36.4% |
| DOMINION FINANCIAL SERVICES, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| RPE Home, Inc | 7 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 7 | Under 10 loans | Under 10 loans | 22.2% |
| Fulton Bank, National Association | 7 | Under 10 loans | Under 10 loans | 22.2% |
| Valon Mortgage, Inc. | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Filo Mortgage, L.L.C. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 6 | Under 10 loans | Under 10 loans | 0.0% |
| EVERETT FINANCIAL, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Gateway First Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| HomeTrust Bank | 6 | Under 10 loans | Under 10 loans | 25.0% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | 6 | Under 10 loans | Under 10 loans | 33.3% |
| The Huntington National Bank | 6 | Under 10 loans | Under 10 loans | 12.5% |
| GENWAY HOME MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 25.0% |
| CLEARPATH LENDING | 6 | Under 10 loans | Under 10 loans | 25.0% |
| INTERCOASTAL MORTGAGE, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| MICHIGAN MUTUAL, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| NEXERA HOLDING LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| VAN DYK MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTHWEST STAGE FUNDING, LLC | 5 | Under 10 loans | Under 10 loans | 11.1% |
| Tomo Mortgage, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of America | 5 | Under 10 loans | Under 10 loans | 37.5% |
| FORT FINANCIAL Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 37.5% |
| 894500CFQPXSLHK0OK52 | 5 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 28.6% |
| BAY EQUITY LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| CONSTRUCTIVE LOANS, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| 254900CTT87ZKAUTIJ37 | 5 | Under 10 loans | Under 10 loans | 0.0% |
| SUMMIT FUNDING, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Premia Mortgage, LLC DBA Premia Relocation Mortgage | 5 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 63.6% |
| QUORUM FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 60.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 4 | Under 10 loans | Under 10 loans | 14.3% |
| Hometown Equity Mortgage, LLC | 4 | Under 10 loans | Under 10 loans | 50.0% |
| NFM, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ICE LENDER HOLDINGS LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTH RIVER MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| RESICENTRAL, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| TOWNE MORTGAGE COMPANY | 4 | Under 10 loans | Under 10 loans | 14.3% |
| EVERGREEN MONEYSOURCE MORTGAGE COMPANY | 4 | Under 10 loans | Under 10 loans | 0.0% |
| FIDELITY DIRECT MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST ALLIANCE HOME MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AgSouth Farm Credit, ACA | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NEW FED MORTGAGE, CORP. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| First Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 4 | Under 10 loans | Under 10 loans | 0.0% |
| VISTA POINT MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Renasant Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CORNERSTONE CAPITAL BANK, SSB | 4 | Under 10 loans | Under 10 loans | 0.0% |
| BAYSHORE MORTGAGE FUNDING, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| 21st Mortgage Corporation | 3 | Under 10 loans | Under 10 loans | 90.3% |
| The Federal Savings Bank | 3 | Under 10 loans | Under 10 loans | 40.0% |
| MISSION LOANS, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MEMBER FIRST MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 50.0% |
| BPL MORTGAGE TRUST, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| CALCON MUTUAL MORTGAGE LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| City Lending Inc. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Consolidated Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 40.0% |
| FIRST COLONY MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Blue Ridge Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 236 lenders each made 3 or fewer mortgages here, and are counted in the totals above.
Bank branches in Gaston County
43 FDIC-insured branches from 16 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| Truist Bank | 7 | $909.5 million |
| Wells Fargo Bank, National Association | 5 | $761.4 million |
| SouthState Bank, National Association | 5 | $371.2 million |
| Woodforest National Bank | 4 | $12.1 million |
| Bank of America, National Association | 3 | $335.6 million |
| The Fidelity Bank | 3 | $220.5 million |
| Bank OZK | 3 | $214.7 million |
| First Horizon Bank | 3 | $138.5 million |
| Commercial Bank | 2 | $99.7 million |
| JPMorgan Chase Bank, National Association | 2 | $47.3 million |
| Belmont Savings Bank, SSB | 1 | $111.3 million |
| United Bank | 1 | $110.6 million |
| PNC Bank, National Association | 1 | $103.3 million |
| HomeTrust Bank | 1 | $37.0 million |
| Fifth Third Bank, National Association | 1 | $27.6 million |
| TowneBank | 1 | $16,000 |
Closed since the 2025 survey
2 branches in the 2025 survey have no 2026 row: closed, sold, or moved.
- Dogwood State Bank, 202 W Trade St, Dallas
- Wells Fargo Bank, National Association, 1018 Dallas Cherryville Hwy, Dallas
Get told when this changes
When the next year’s lending figures are out for Gaston County, or a lender arrives or leaves.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. Branches and deposits come from the FDIC Summary of Deposits as of 30 June 2026, and bank balance sheets from the FDIC institutions directory. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.