Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Gaston County, North Carolina
Every institution that decided a 1–4 unit mortgage application in Gaston County, home to Gastonia, between 2023 and 2025: 23,634 applications, 17,664 loans actually funded, across 8 kinds of borrowing.
Gaston County at a glance
23,634Applications decided
2023–2025
17,664Loans funded
75% of decisions
85Census tracts
13 ZIP codes
231,485People
ACS 2023
What the data shows
The typical purchase mortgage here is $285K.
Investment home improvement is the hardest money to get here: lenders approved 51% of 145 applications.
Lending by loan type in Gaston County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 86.7% | 12,311 | $285K | 96% | 401 |
| Home improvement loans | 59.5% | 2,978 | $65K | 95% | 98 |
| Cash-out refinance | 67.4% | 3,648 | $165K | 94% | 193 |
| Refinance | 74.9% | 2,704 | $205K | 93% | 216 |
| Investment property purchase | 87.0% | 1,163 | $185K | 95% | 204 |
| Investment cash-out refinance | 78.9% | 403 | $165K | 93% | 95 |
| Investment refinance | 80.1% | 282 | $165K | 93% | 81 |
| Investment home improvement | 51.0% | 145 | $105K | 91% | 45 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.