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Safe Rate's TrueRank Guarantee
Our rankings are earned, not bought. We analyze 2,347 lenders using federal HMDA data—no pay-to-play, no cherry-picking. You see the best options based on performance metrics, not advertising dollars.
Best Mortgage Lenders in Asheville
Updated February 5, 2026
Market Overview
63
Total Lenders
3,734
Total Loans
0.13%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | First Bank | Exceptional | Exceptional | Strong | Strong | $1,271 | +0.194% | 64 | |
2 | STATE EMPLOYEES' | Exceptional | Strong | Strong | Exceptional | $2,385 | -0.864% | 286 | |
3 | HomeTrust Bank | Exceptional | Strong | Strong | Exceptional | $1,196 | +0.074% | 145 | |
4 | UNITED FEDERAL CREDIT UNION | Exceptional | Strong | Strong | Exceptional | $1,359 | +0.027% | 125 | |
5 | First-Citizens Bank & Trust Company | Exceptional | Strong | Strong | Exceptional | $1,294 | -0.032% | 107 | |
6 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Sound | Strong | $1,198 | -0.422% | 40 | |
7 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $2,496 | +0.149% | 184 | |
8 | Truist Bank | Strong | Strong | Strong | Strong | $695 | -0.015% | 45 | |
9 | Bank of America, National Association | Strong | Strong | Strong | Strong | $1,566 | -0.163% | 41 | |
10 | GoPrime Mortgage, Inc. | Strong | Sound | Exceptional | Strong | $4,158 | +0.306% | 76 | |
11 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Strong | $2,135 | -0.129% | 39 | |
12 | U.S. Bank National Association | Strong | Strong | Strong | Sound | $644 | +0.057% | 21 | |
13 | Fifth Third Bank, National Association | Strong | Strong | Strong | Sound | $1,121 | -0.017% | 20 | |
14 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $2,711 | +0.340% | 436 | |
15 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $4,065 | +0.263% | 336 | |
16 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | Strong | Acceptable | Exceptional | Exceptional | $3,916 | +0.309% | 149 | |
17 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $2,189 | +0.284% | 87 | |
18 | BAY EQUITY LLC | Strong | Sound | Strong | Strong | $2,976 | +0.281% | 73 | |
19 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Strong | $3,351 | +0.241% | 51 | |
20 | American Security Mortgage Corp. | Strong | Sound | Strong | Strong | $1,919 | +0.157% | 36 | |
21 | ALLIANT CREDIT UNION | Strong | Strong | Sound | Sound | $1,051 | +0.247% | 20 | |
22 | HOWARD HANNA FINANCIAL SERVICES, INC. | Strong | Acceptable | Strong | Exceptional | $2,072 | +0.161% | 112 | |
23 | TD Bank, National Association | Strong | Sound | Sound | Strong | $694 | +0.135% | 59 | |
24 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $3,938 | +0.333% | 56 | |
25 | Alcova Mortgage LLC | Strong | Acceptable | Exceptional | Strong | $2,268 | +0.315% | 49 | |
26 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | $3,831 | +0.407% | 44 | |
27 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | $2,344 | +0.154% | 28 | |
28 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Sound | $1,973 | +0.214% | 26 | |
29 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Sound | $2,860 | -0.411% | 22 | |
30 | Champion Credit Union | Strong | Acceptable | Sound | Exceptional | $2,647 | +0.121% | 70 | |
31 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Strong | $2,940 | +0.864% | 44 | |
32 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Sound | $3,069 | +0.296% | 38 | |
33 | USAA Federal Savings Bank | Strong | Sound | Sound | Sound | $2,438 | -0.192% | 37 | |
34 | Magnolia Bank, Incorporated | Strong | Acceptable | Exceptional | Sound | $1,243 | -0.072% | 32 | |
35 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Sound | $3,375 | +0.372% | 29 | |
36 | United Community Bank | Sound | Acceptable | Sound | Strong | $2,328 | +0.511% | 59 | |
37 | CROSSCOUNTRY MORTGAGE, LLC | Sound | Acceptable | Strong | Sound | $3,703 | +0.362% | 29 | |
38 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | Sound | Mediocre | Strong | Strong | $4,840 | +0.500% | 42 | |
39 | NEWREZ LLC | Sound | Acceptable | Sound | Sound | $2,679 | +0.304% | 23 |
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Place
Local market expertise (33%)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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