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Mortgage Lenders and Brokers in Gastonia, North Carolina

Content reviewed by

Brian McKay | iEditorial Disclosure | ✓Fact Checked | Loan Rates Last Updated and Verified: October 7, 2026

Gastonia, North Carolina mortgage lenders include Bank of America NABank of America NA355 S New Hope Rd, Gastonia, NC 28054A+5.0 ★Texas Ratio: 4.14%, Truist BankTruist Bank2414 W Franklin Blvd, Gastonia, NC 28052A+5.0 ★Texas Ratio: 2.87%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA2516 E Franklin Blvd, Gastonia, NC 28056A+5.0 ★Texas Ratio: 3.68%, Wells Fargo Bank NAWells Fargo Bank NA110 E Franklin Blvd, Gastonia, NC 28052A+5.0 ★Texas Ratio: 5.36%, Southstate Bank, National AssociationSouthstate Bank, National Association519 S New Hope Rd, Gastonia, NC 28054A+5.0 ★Texas Ratio: 2.27%, PNC Bank N.A.PNC Bank N.A.500 S New Hope Rd, Gastonia, NC 28054A+5.0 ★Texas Ratio: 4.24%, The Fidelity BankThe Fidelity Bank610 Cox Rd, Gastonia, NC 28054A+5.0 ★Texas Ratio: 3.02%, United Bank VaUnited Bank Va534 S New Hope Rd, Gastonia, NC 28054A+5.0 ★Texas Ratio: 2.15%, First Horizon BankFirst Horizon Bank804 S New Hope Rd, Gastonia, NC 28054A+5.0 ★Texas Ratio: 5.76%, and First National Bank of PAFirst National Bank of PA303 S Salem St, Apex, NC 27502A+5.0 ★Texas Ratio: 1.62%. Banks, credit unions and mortgage companies are listed together, with FHA, VA and local options flagged for quick comparison.

Lenders are ranked only by the number of home loans they closed in Gastonia, North Carolina in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Gastonia are listed first, then lenders elsewhere in North Carolina, then lenders from other states that closed loans there. Banks and credit unions carry a MonitorBankRates health grade, star rating and Texas Ratio, so you can judge how financially sound they are. Mortgage companies have no deposits to rate, so compare their loan programs, median loan and borrower reviews instead. Compare at least three lenders and ask each for a written loan estimate before you choose.

Mortgage Lenders and Brokers in Gastonia, North Carolina

Market share is the lender's share of all home loans closed in Gastonia, North Carolina. Approval share is approvals divided by completed applications. Grade is the MonitorBankRates Health and Safety Grade, available for banks and credit unions only. Average loan is the lender's mean loan amount here.

Lender	Programs	Loans closed	Market share	Approval share	Average loan	View
Bank of America NA 2 offices in Gastonia 355 S New Hope Rd, Gastonia, NC 28054 A+5.0 ★Texas Ratio: 4.14%	Conventional, FHA, HELOC	28 +30 HELOCs	1.4%	90.3%	$235,714	View
Truist Bank ★ 1 stars, 1 review 3 offices in Gastonia 2414 W Franklin Blvd, Gastonia, NC 28052 A+5.0 ★Texas Ratio: 2.87%	Conventional, FHA, Jumbo, HELOC	24 +45 HELOCs	1.2%	92.3%	$360,416	View
JPMorgan Chase Bank, NA 1 office in Gastonia 2516 E Franklin Blvd, Gastonia, NC 28056 A+5.0 ★Texas Ratio: 3.68%	Conventional, VA	24	1.2%	100%	$250,416	View
Wells Fargo Bank NA 3 offices in Gastonia 110 E Franklin Blvd, Gastonia, NC 28052 A+5.0 ★Texas Ratio: 5.36%	Conventional	16	0.8%	84.2%	$230,625	View
Southstate Bank, National Association ★ 5 stars, 1 review 1 office in Gastonia 519 S New Hope Rd, Gastonia, NC 28054 A+5.0 ★Texas Ratio: 2.27%	Conventional, FHA, HELOC	13 +26 HELOCs	0.6%	68.4%	$181,923	View
PNC Bank N.A. ★ 1.7 stars, 3 reviews 1 office in Gastonia 500 S New Hope Rd, Gastonia, NC 28054 A+5.0 ★Texas Ratio: 4.24%	Conventional, FHA, HELOC	3 +14 HELOCs	0.1%	100%	$311,666	View
The Fidelity Bank 2 offices in Gastonia 610 Cox Rd, Gastonia, NC 28054 A+5.0 ★Texas Ratio: 3.02%	Conventional, HELOC	2 +8 HELOCs	0.1%	100%	$370,000	View
United Bank Va 1 office in Gastonia 534 S New Hope Rd, Gastonia, NC 28054 A+5.0 ★Texas Ratio: 2.15%	Conventional, FHA, HELOC	2 +2 HELOCs	0.1%	100%	$135,000	View
First Horizon Bank ★ 5 stars, 1 review 1 office in Gastonia 804 S New Hope Rd, Gastonia, NC 28054 A+5.0 ★Texas Ratio: 5.76%	Conventional, HELOC	1 +7 HELOCs	0%	50%	$335,000	View
First National Bank of PA 303 S Salem St, Apex, NC 27502 A+5.0 ★Texas Ratio: 1.62%	Conventional, FHA, HELOC	91 +1 HELOCs	4.5%	82.7%	$162,252	View
State Employees' Credit Union 584 COX RD, GASTONIA, NC 28054 A-5.0 ★Texas Ratio: 14.13%	Conventional, Jumbo, HELOC	72 +93 HELOCs	3.6%	72%	$255,555	View
Truliant Federal Credit Union 3351 E Franklin Blvd Ste 106, Gastonia, NC 28056 A5.0 ★Texas Ratio: 6.43%	Conventional, HELOC	30 +34 HELOCs	1.5%	59.6%	$108,000	View
Latino Community Credit Union 104 NC 54 Ste KK, Carrboro, NC 27510 A5.0 ★Texas Ratio: 6.08%	Conventional	14	0.7%	100%	$177,857	View
Skyla Federal Credit Union 148 Charlotte St, Asheville, NC 28801 1923 A5.0 ★Texas Ratio: 9.56%	Conventional, HELOC	11 +6 HELOCs	0.5%	100%	$208,636	View
US Bank, N.A. 8334 Pineville Matthews Rd, Charlotte, NC 28226 A+5.0 ★Texas Ratio: 2.85%	Conventional, FHA	9	0.4%	75%	$266,111	View
First Ciitizens Bank and Trust 351 N 1st St, Albemarle, NC 28001 A5.0 ★Texas Ratio: 7.72%	Conventional, FHA, HELOC	6 +4 HELOCs	0.3%	75%	$221,666	View
Fifth Third Bank, National Association 1121 Moncure Place, Apex, NC 27523 A+5.0 ★Texas Ratio: 3.22%	Conventional, HELOC	4 +1 HELOCs	0.2%	80%	$280,000	View
Ameris Bank ★ 4 stars, 1 review 6805 Carnegie Blvd, Charlotte, NC 28211 A+5.0 ★Texas Ratio: 1.82%	Conventional, FHA	4	0.2%	100%	$162,500	View
Regions Bank 1045 Providence Rd, Charlotte, NC 28207 A+5.0 ★Texas Ratio: 4.37%	Conventional, FHA, HELOC	3 +2 HELOCs	0.1%	100%	$258,333	View
Carolinas Telco FCU 324 Burtonwood Dr, Gastonia, NC 28054 A+5.0 ★Texas Ratio: 3.27%	Conventional, HELOC	2 +7 HELOCs	0.1%	100%	$170,000	View
Pinnacle Bank 103 N 2nd St, Albemarle, NC 28001 A+5.0 ★Texas Ratio: 3.04%	Conventional, HELOC	2 +3 HELOCs	0.1%	100%	$355,000	View
Flagstar Bank NA 121 W Trade St Ste 1150, Charlotte, NC 28202 D3.3 ★Texas Ratio: 35.11%	Conventional	2	0.1%	50%	$230,000	View
Skyline National Bank 1641 Blowing Rock Road, Boone, NC 28607 A+5.0 ★Texas Ratio: 3.31%	Conventional	2	0.1%	100%	$125,000	View
Uwharrie Bank 800 Highway 24 27 Bypass, Albemarle, NC 28001 A+5.0 ★Texas Ratio: 0.72%	Conventional, FHA	2	0.1%	100%	$185,000	View
Coastal Federal Credit Union Olive Chapel Village #131, Apex, NC 27502 A+5.0 ★Texas Ratio: 4.34%	Conventional, HELOC	1 +1 HELOCs	0%	100%	$55,000
TD Bank 335 New Leicester Hwy, Asheville, NC 28806 A+5.0 ★Texas Ratio: 3.71%	Conventional, Jumbo, HELOC	1 +1 HELOCs	0%	100%	$1,545,000	View
Blue Ridge Bank 3202 Northline Ave, Greensboro, NC 27408 A5.0 ★Texas Ratio: 8.11%	Conventional	1	0%	100%	$175,000	View
Huntington National Bank 101 S Tryon St, Charlotte, NC 28280 A+5.0 ★Texas Ratio: 3.66%	FHA	1	0%	100%	$365,000	View
Carter Bank and Trust 500 E Morehead St Ste 150, Charlotte, NC 28202 A5.0 ★Texas Ratio: 7.55%	Conventional	1	0%	100%	$435,000	View
Encore Bank 3151 Apex Dr, Charlotte, NC 28211 A+5.0 ★Texas Ratio: 1.62%	FHA	1	0%	100%	$275,000	View
HomeTrust Bank 192 Airport Rd, Arden, NC 28704 A+5.0 ★Texas Ratio: 5.53%	Conventional	1	0%	50%	$225,000	View
Self Help Credit Union 1911 Hendersonville Rd, Asheville, NC 28803 A+5.0 ★Texas Ratio: 2.49%	Conventional	1	0%	100%	$175,000	View
Civic FCU 1118 Academy St N, Ahoskie, NC 27910 F1.0 ★Texas Ratio: 75.00%	HELOC	0 +5 HELOCs	0%	n/a		View
Allegacy Federal Credit Union 128 Yadkin Valley Rd, Advance, NC 27006 A+5.0 ★Texas Ratio: 4.25%	HELOC	0 +2 HELOCs	0%	n/a		View
Peoples Bank 1117 Parkside Main St, Cary, NC 27519 A+5.0 ★Texas Ratio: 2.98%	HELOC	0 +1 HELOCs	0%	n/a		View
American Security Mortgage Cor	Conventional, FHA, VA, USDA	59	2.9%	100%	$343,474
Cardinal Financial Company, Li	Conventional, FHA, VA	13	0.6%	87.5%	$188,076
Belmont Savings Bank A+5.0 ★Texas Ratio: 2.60%	Conventional	6	0.3%	100%	$416,666	View
Premier Lending Inc.	Conventional, FHA	6	0.3%	100%	$211,666
Goprime Mortgage, Inc.	VA	1	0%	100%	$375,000
Rocket Mortgage	Conventional, FHA, VA	212	10.6%	85.4%	$207,405
United Wholesale Mortgage	Conventional, FHA, VA, HELOC	133 +8 HELOCs	6.6%	90.2%	$283,270
DHI Mortgage Company, LTD.	Conventional, FHA, VA	94	4.7%	94.1%	$377,340
loanDepot.com LLC	Conventional, FHA, VA, HELOC	93 +8 HELOCs	4.6%	54.3%	$298,548
Movement Mortgage, LLC	Conventional, FHA, VA, HELOC	88 +1 HELOCs	4.4%	95.1%	$262,386
Lennar Mortgage, LLC	Conventional, FHA, VA, USDA	74	3.7%	85.1%	$287,297
Atlantic Bay Mortgage Group	Conventional, FHA, VA	43	2.1%	97.7%	$284,302
CrossCountry Mortgage, LLC	Conventional, FHA, VA, HELOC	41 +1 HELOCs	2%	100%	$268,414
Guild Mortgage Company	Conventional, FHA, VA	34	1.7%	97.2%	$263,823
Freedom Mortgage Corporation	Conventional, FHA, VA	32	1.6%	90.7%	$300,000
Newrez LLC	Conventional, FHA, VA	31	1.5%	68.9%	$266,935
New American Funding, LLC.	Conventional, FHA, USDA	29	1.4%	87.9%	$209,137
Pennymac Loan Services LLC	Conventional, FHA, VA	24	1.2%	80.6%	$302,916
Union Home Mortgage Corp.	Conventional, FHA, VA	22	1.1%	100%	$284,090
Mortgage Research Center	VA	22	1.1%	59%	$328,181
Fairway Independent Mort Corp	Conventional, FHA, VA	22	1.1%	95.7%	$239,545
ALCOVA Mortgage, LLC	Conventional, FHA	21	1%	100%	$283,571
Founders Federal Credit Union A+5.0 ★Texas Ratio: 3.58%	Conventional	21	1%	88.5%	$257,380
Guaranteed Rate, Inc.	Conventional, FHA, VA	20	1%	83.3%	$190,500
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	Conventional, VA, HELOC	19 +5 HELOCs	0.9%	76.9%	$281,315
C&F Mortgage Corporation A+5.0 ★Texas Ratio: 4.11%	Conventional, FHA, VA	17	0.8%	100%	$250,882	View
Atlantic Coast Mortgage, LLC	Conventional, FHA	16	0.8%	100%	$184,375
Nationstar Mortgage	Conventional, FHA	15	0.7%	88.9%	$106,333
Zillow Home Loans, LLC	Conventional, FHA, VA	15	0.7%	88.2%	$274,333
Mutual of Omaha Mortgage	Conventional, FHA, VA	14	0.7%	88.2%	$282,857
Click n' Close, Inc.	Conventional, FHA, VA	13	0.6%	92.9%	$192,692
Planet Home Lending, LLC	Conventional, FHA	12	0.6%	80%	$213,333
Amerisave Mortgage Company	Conventional, FHA, HELOC	11 +1 HELOCs	0.5%	27.5%	$98,636
Acrisure Mortgage, LLC	FHA	10	0.5%	100%	$356,000
TowneBank	Conventional, FHA, VA	10	0.5%	90.9%	$250,000
American Financial Network, Inc.	Conventional, FHA, VA, USDA	9	0.4%	100%	$258,333
Primis Bank A5.0 ★Texas Ratio: 13.21%	Conventional, FHA	9	0.4%	100%	$238,333	View
Highlands Residential Mortgage, Ltd.	Conventional, FHA	9	0.4%	100%	$295,000
First Federal Bank A+5.0 ★Texas Ratio: 1.10%	Conventional, FHA, VA	9	0.4%	100%	$342,777	View
Ixonia Bank A+5.0 ★Texas Ratio: 2.14%	Conventional, FHA, VA	8	0.4%	100%	$227,500	View
Reliance First Capital, LLC	Conventional, FHA, USDA	8	0.4%	100%	$193,750
Kind Lending, LLC	Conventional, FHA, VA	7	0.3%	50%	$260,714
Cmg Mortgage Inc	Conventional, FHA	7	0.3%	100%	$179,285
Primelending	Conventional	6	0.3%	100%	$171,666
Primary Residential Mortgage, INC.	Conventional, FHA	6	0.3%	75%	$210,000
Howard Hanna Financial Services, Inc	Conventional, FHA	6	0.3%	85.7%	$320,000
AmeriHome Mortgage Company, LLC	FHA	6	0.3%	54.5%	$276,666
Usaa Federal Savings Bank B-3.5 ★Texas Ratio: 6.80%	VA	6	0.3%	75%	$403,333	View
Nvr Mortgage Finance, Inc.	Conventional, FHA	6	0.3%	85.7%	$291,666
Sofi Bank, National Association A+5.0 ★Texas Ratio: 0.51%	Conventional, VA	6	0.3%	85.7%	$285,000	View
Village Capital & Investment	FHA, VA	6	0.3%	54.2%	$271,666
Spring Eq, LLC	Conventional, HELOC	5 +4 HELOCs	0.2%	37.5%	$55,000
American Financial Resources LLC	Conventional, FHA	5	0.2%	83.3%	$319,000
Equity Prime Mortgage LLC	FHA, VA	5	0.2%	71.4%	$275,000
New Day Financial, LLC.	FHA, VA	5	0.2%	25%	$211,000
Better Mortgage Corporation	Conventional, HELOC	4 +1 HELOCs	0.2%	80%	$245,000
Royal United Mortgage LLC	Conventional	4	0.2%	71.4%	$142,500
Nbkc Bank	Conventional, VA	4	0.2%	66.7%	$272,500
Resicentral LLC	Conventional	4	0.2%	80%	$172,500
AdvantageFirst Lending Inc	FHA, VA	4	0.2%	57.1%	$355,000
Sun West Mortgage Company, Inc	Conventional, FHA	4	0.2%	100%	$257,500
ClearPath Lending	VA	4	0.2%	80%	$277,500
Bay Equity LLC	Conventional, FHA	4	0.2%	100%	$305,000
Provident Funding Associates	Conventional	4	0.2%	100%	$412,500
The Loan Store, Inc	Conventional, VA	4	0.2%	100%	$405,000
Lower, LLC	Conventional, FHA	4	0.2%	50%	$270,000
Vanderbilt Mortgage and Finance, Inc	Conventional	4	0.2%	5.3%	$137,500
Goodleap, LLC	Conventional, FHA, VA, HELOC	3 +2 HELOCs	0.1%	66.7%	$128,333
Residential Wholesale Mortgage	FHA	3	0.1%	100%	$271,666
Lakeview Loan Servicing, LLC	Conventional, FHA	3	0.1%	21.1%	$211,666
Canopy Mortgage, LLC	Conventional	3	0.1%	75%	$248,333
City Lending Inc.	Conventional, FHA	3	0.1%	100%	$188,333
Ocmbc, Inc. A+5.0 ★Texas Ratio: 5.05%	Conventional, FHA	3	0.1%	100%	$201,666	View
Bayshore Mortgage Funding	FHA	3	0.1%	100%	$245,000
Discover Bank	Conventional	3	0.1%	21.4%	$51,666
Credit Union Mortgage Associat	Conventional	3	0.1%	100%	$218,333
Intercoastal Mortgage, LLC	Conventional, USDA	3	0.1%	100%	$268,333
Nfm, Inc	Conventional, FHA	3	0.1%	100%	$301,666
New Story Lending LLC	Conventional, FHA	3	0.1%	100%	$255,000
Summit Funding.Inc	Conventional, FHA	3	0.1%	100%	$291,666
First National Bank of America B-4.3 ★Texas Ratio: 23.12%	Conventional	3	0.1%	75%	$225,000	View
Nexera Holding LLC	Conventional	3	0.1%	100%	$188,333
Plains Commerce Bank A5.0 ★Texas Ratio: 9.09%	Conventional, FHA	3	0.1%	100%	$351,666	View
Loan Simple, Inc.	FHA, USDA	3	0.1%	100%	$231,666
Plaza Home Mortgage, Inc	Conventional, FHA, VA	3	0.1%	60%	$308,333
Sierra Pacific Mortgage Co. Inc	Conventional, HELOC	2 +1 HELOCs	0.1%	100%	$430,000
Originpoint, LLC	Conventional	2	0.1%	100%	$315,000
Cornerstone First Mortgage, LLC	Conventional, FHA	2	0.1%	100%	$330,000
Guaranteed Rate Affinity, LLC	Conventional, VA	2	0.1%	100%	$380,000
Gold Star Mortgage Financial Group, Corporation	Conventional, FHA	2	0.1%	100%	$325,000
Everett Financial, Inc.	Conventional	2	0.1%	100%	$215,000
Sage Home Loans Corporation	Conventional, FHA	2	0.1%	100%	$275,000
PHH Mortgage Corporation	Conventional	2	0.1%	100%	$380,000
Gateway First Bank B+4.8 ★Texas Ratio: 17.16%	Conventional, FHA	2	0.1%	100%	$165,000	View
Fidelity Direct Mortgage, LLC	Conventional, FHA	2	0.1%	100%	$345,000
Cornerstone Capital Bank, Ssb A+5.0 ★Texas Ratio: 3.21%	FHA	2	0.1%	100%	$180,000	View
Obsidian Financial Services	Conventional, FHA	2	0.1%	100%	$255,000
Northpointe Bank A5.0 ★Texas Ratio: 8.47%	Conventional, VA	2	0.1%	100%	$390,000	View
Nqm Funding, LLC	Conventional	2	0.1%	100%	$330,000
VanDyk Mortgage Corporation	Conventional, FHA	2	0.1%	100%	$280,000
Integrity Home Mortgage Corporation	FHA, VA	2	0.1%	100%	$285,000
Mortgage Solutions of Colorado	FHA, VA	2	0.1%	75%	$280,000
Nations Direct Mortgage, LLC	Conventional	2	0.1%	66.7%	$250,000
Prosperity Home Mortgage, LLC	Conventional	2	0.1%	66.7%	$195,000
The Federal Savings Bank B+4.8 ★Texas Ratio: 16.98%	VA	2	0.1%	66.7%	$310,000	View
HomeBridge Financial Services, Inc	VA, HELOC	1 +2 HELOCs	0%	66.7%	$235,000
American Airlines Federal Cred	Conventional, HELOC	1 +1 HELOCs	0%	100%	$275,000
Cadence Bank	Conventional	1	0%	100%	$165,000
Arc Home LLC	Conventional	1	0%	100%	$255,000
Equity Resources Inc	VA	1	0%	100%	$295,000
Mattamy Home Funding LLC	FHA	1	0%	100%	$295,000
Success Lending, LLC	FHA	1	0%	50%	$385,000
Envoy Mortgage, Ltd	Conventional	1	0%	100%	$255,000
Loansteady LLC	Conventional	1	0%	100%	$165,000
Guidance Residential, LLC	Conventional	1	0%	100%	$455,000
Dart Bank	FHA	1	0%	100%	$245,000
Instamortgage, Inc	Conventional	1	0%	100%	$445,000
Plus Relocation Mortgage, LLC	Conventional	1	0%	100%	$275,000
First Alliance Home Mortgage, LLC	FHA	1	0%	100%	$245,000
Direct Mortgage Corp	Conventional	1	0%	100%	$195,000
First Palmetto Bank A+5.0 ★Texas Ratio: 1.16%	VA	1	0%	100%	$215,000	View
Schumacher Mortgage LLC	Conventional	1	0%	100%	$505,000
American Financing Corporation	Conventional	1	0%	50%	$125,000
Flat Branch Mortgage, Inc.	Conventional	1	0%	100%	$255,000
Fort Financial Credit Union A+5.0 ★Texas Ratio: 2.95%	Conventional	1	0%	50%	$45,000
Kwik Mortgage Corporation	Conventional	1	0%	100%	$245,000
First Colony Mortgage Corporat	Conventional	1	0%	100%	$185,000
Mid-Continent Funding, Inc.	VA	1	0%	100%	$205,000
Total Mortgage Services, LLC	FHA	1	0%	100%	$275,000
American Finance House Lariba	Conventional	1	0%	100%	$335,000
Arthur State Bank A4.8 ★Texas Ratio: 6.72%	Conventional	1	0%	100%	$85,000	View
Homeowners Financial Group, LLC	Conventional	1	0%	100%	$385,000
Capital Center LLC	VA	1	0%	100%	$405,000
Evergreen Moneysource Mortgage Company	Conventional	1	0%	100%	$465,000
Churchill Mortgage Corporation	Conventional	1	0%	100%	$475,000
Encompass Lending Group, L.P.	Conventional	1	0%	100%	$225,000
Ladera Lending, Inc. A+5.0 ★Texas Ratio: 0.22%	Conventional	1	0%	100%	$225,000	View
Nations Lending Corporation	Conventional	1	0%	100%	$125,000
BoxCar Mortgage, LLC	Conventional	1	0%	100%	$125,000
Direct Mortgage Loans, LLC	Conventional	1	0%	100%	$355,000
Fay Servicing LLC	FHA	1	0%	100%	$205,000
Hinsdale Bank & Trust Company, N.A A+5.0 ★Texas Ratio: 1.47%	Conventional	1	0%	100%	$425,000	View
American Pacific Mortgage Corporation	VA	1	0%	100%	$415,000
Geneva Financial LLC	USDA	1	0%	100%	$275,000
New Fed Mortgage Corp.	VA	1	0%	100%	$375,000
Saygo Home Loans, LLC	Conventional	1	0%	100%	$665,000
Victorian Finance, LLC	Conventional	1	0%	100%	$335,000
Mission Loans, LLC	FHA	1	0%	100%	$235,000
Towne Mortgage Company	Conventional	1	0%	100%	$655,000
Nexbank A-5.0 ★Texas Ratio: 14.93%	Conventional	1	0%	100%	$205,000	View
Jams-01 Inc dba Home Savings & Trust Mortgage	Conventional	1	0%	100%	$235,000
Genway Home Mortgage, Inc.	Conventional	1	0%	50%	$5,000
Keystone Funding, Inc	VA	1	0%	100%	$275,000
Citadel Servicing Corporation	Conventional	1	0%	100%	$405,000
Nationwide Mortgage Bankers, Inc.	FHA	1	0%	100%	$305,000
Third Federal Savings and Loan A+5.0 ★Texas Ratio: 2.32%	Conventional	1	0%	33.3%	$305,000	View
Morgan Stanley Private Bank NA A4.8 ★Texas Ratio: 2.45%	Conventional, Jumbo	1	0%	100%	$1,235,000	View
Mortgage Investors Group	FHA	1	0%	100%	$445,000
United Nations Federal CU	Conventional	1	0%	100%	$415,000
Carrington Mortgage Services LLC	FHA	1	0%	42.9%	$415,000
Texana Bank	FHA	1	0%	100%	$195,000
Mason-McDuffie Mortgage Corporation	FHA	1	0%	100%	$435,000
Ark-La-Tex Financial Services LLC	VA	1	0%	100%	$275,000
Top Flite Financial, Inc.	FHA	1	0%	50%	$195,000
First American Bank A+5.0 ★Texas Ratio: 2.93%	Conventional	1	0%	100%	$325,000	View
Figure Lending LLC	HELOC	0 +11 HELOCs	0%	n/a
Sharonview Federal CU	HELOC	0 +10 HELOCs	0%	n/a
Coastal Community Bank B4.5 ★Texas Ratio: 20.96%	HELOC	0 +8 HELOCs	0%	n/a		View
Lendage, LLC dba Achieve Loans	HELOC	0 +6 HELOCs	0%	n/a
Citizens Bank, NA A+5.0 ★Texas Ratio: 5.44%	HELOC	0 +5 HELOCs	0%	n/a		View
Valon Mortgage A+5.0 ★Texas Ratio: 3.19%	HELOC	0 +4 HELOCs	0%	n/a		View
Bank Ozk	HELOC	0 +4 HELOCs	0%	0%
Quorum Federal Credit Union	HELOC	0 +2 HELOCs	0%	n/a
Georgia'S Own Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Consolidated Community Credit	HELOC	0 +1 HELOCs	0%	n/a
Langley Federal Credit Union A5.0 ★Texas Ratio: 10.20%	HELOC	0 +1 HELOCs	0%	100%
Citizens Equity First Credit U	HELOC	0 +1 HELOCs	0%	n/a
Baxter Credit Union A5.0 ★Texas Ratio: 6.31%	HELOC	0 +1 HELOCs	0%	0%
CPM Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Ussfcu	HELOC	0 +1 HELOCs	0%	n/a

Lender counts and market shares come from 2025 federal HMDA loan data, the public record of mortgage applications and closings. Health grades: MonitorBankRates, rates as of Oct 7, 2026.

Gastonia Mortgage Rate Trends

Daily average mortgage rates for North Carolina compared with the national average, updated every evening.

30-Year Fixed NC Avg

7.431%

▲ 0.109 vs 7 days ago

15-Year Fixed NC Avg

6.986%

▲ 0.082 vs 7 days ago

Mortgage Lenders and Mortgage Brokers Near Me in Gastonia, North Carolina

Looking for mortgage lenders near me or mortgage brokers near me in Gastonia? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Gastonia in 2025, with lenders based there listed first.

Types of Mortgage Lenders in Gastonia, NC

Use these to narrow the list above. Each category shows how many Gastonia, NC lenders fit and what that kind of lender is usually best for.

Mortgage companies and brokers 135 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 56 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 24 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 98 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 55 lenders. No down payment and no mortgage insurance for eligible veterans and service members USDA lenders 8 lenders. Zero down loans in eligible rural and suburban areas Jumbo lenders 4 lenders. Loans above the conforming limit for higher priced homes Local lenders based in NC 20 lenders headquartered in North Carolina, the closest thing to a mortgage lender near you

Who Lends in Gastonia, NC

Independent mortgage companies closed 73.6 percent of home loans in Gastonia, North Carolina in 2025, banks 17.6 percent and credit unions 8.8 percent. American Security Mortgage Cor was the largest mortgage company, Bank of America NA the largest bank and State Employees' Credit Union the largest credit union. Among lenders headquartered in North Carolina, Truist Bank led with 24 loans.

73.6%

Mortgage companies

17.6%

Banks

8.8%

Credit unions

28%

FHA loans

12%

VA loans

How to Read This List

A high approval share with a small median loan usually points to a lender comfortable with first time and FHA borrowers. A large median loan with conventional and jumbo programs points to a move up and jumbo specialist. The health grade says whether a bank or credit union is financially sound; it says nothing about service, which is what the reviews below are for.

An attorney must handle the closing in North Carolina. State excise (transfer) tax of $1 per $500 of price, customarily paid by the seller, plus an additional 1 percent land transfer tax in seven northeastern counties (Camden, Chowan, Currituck, Dare, Pasquotank, Perquimans, Washington); no mortgage recording tax.

More North Carolina Mortgage Lender Pages

All North Carolina lenders 1,003 lenders Charlotte 471 lenders Raleigh 368 lenders Durham 327 lenders Greensboro 278 lenders Fayetteville 241 lenders Winston-Salem 268 lenders Cary 268 lenders Concord 235 lenders Fuquay-Varina 224 lenders Apex 197 lenders Wilmington 221 lenders High Point 204 lenders

Frequently Asked Questions About Mortgage Lenders in Gastonia, NC

Who is the largest mortgage lender in Gastonia, NC?

By home loans closed in 2025, Bank of America NA was the largest mortgage lender in Gastonia, North Carolina with 28 loans, about 1.4 percent of the market. The largest lender headquartered in North Carolina was Truist Bank with 24 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which mortgage lenders in Gastonia, NC have the highest approval rates?

Among lenders with meaningful volume in Gastonia, North Carolina, American Security Mortgage Cor approved the highest share of completed applications in 2025 at 100 percent, against a 78.8 percent average for all lenders. Approval share reflects the applicants a lender attracts as much as its underwriting, so compare it alongside loan programs and median loan size. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which Gastonia, NC mortgage lenders offer FHA, VA and USDA loans?

98 lenders closed FHA loans in Gastonia, North Carolina in 2025, led by loanDepot.com LLC with 64. 55 lenders closed VA loans, led by United Wholesale Mortgage, and 8 closed USDA rural loans. Use the FHA and VA filters above the table to see only those lenders; FHA loans allow 3.5 percent down and lower credit scores, VA loans need no down payment for eligible veterans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Are credit unions and local banks included in this Gastonia, NC lender list?

Yes. 56 banks and 24 credit unions closed home loans in Gastonia, North Carolina in 2025, alongside 135 independent mortgage companies and brokers. Banks and credit unions carry a MonitorBankRates health grade. Mortgage companies are not deposit institutions, so they have no health grade; their HMDA figures and borrower reviews stand in. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

How are mortgage lenders in Gastonia, NC ranked on this page?

Lenders are ranked only by the number of home loans they closed in Gastonia, North Carolina during 2025 as reported under the federal Home Mortgage Disclosure Act. No lender pays to be listed or to rank higher, and reviews do not change the order. Counts cover first and second lien loans on one to four unit homes for purchase, refinance and home improvement; home equity lines are counted separately.

Methodology and Sources

Lender rankings use the loan level records that lenders file under the Home Mortgage Disclosure Act, published by the FFIEC and the Consumer Financial Protection Bureau for the 2025 reporting year. Counts include originated first and subordinate lien loans on one to four unit homes in Gastonia, North Carolina for purchase, refinance and other purposes; home equity lines of credit are counted separately and reverse mortgages and business purpose loans are excluded. Approval share is originations plus approved but not accepted applications divided by all completed applications (withdrawn and incomplete files are excluded). Lender type comes from the lender's federal regulator and the FFIEC National Information Center. City figures use the Census tracts that make up Gastonia. Health grades are MonitorBankRates data and are current as of the date shown. Lenders below the HMDA reporting thresholds do not appear. MonitorBankRates receives no payment for placement on this page. Last updated October 8, 2026.