Born status gap refers to migration status gap and regional gap per se. Unfortunately, the extant literature fails to explore the effects of born status gaps on mortgage originations. Employing the unique resale transaction data sets of Guangzhou city from January 2013 through December 2016, this research finds that relative to local born borrowers, the non-local born borrowers have higher residential mortgage rejections from lenders. Second, the no-local born borrowers have less likelihood to acquire commercial mortgage but greater likelihood to acquire housing provident fund than local born borrowers. Third, the non-local born borrowers acquire less commercial mortgage than local born borrowers. To satisfy non-local born borrowers’ financing demand for residence, borrower’s born status gaps should be ruled out by virtue of household registration system reform.