# Best Mortgage Lenders in Asheville, NC

**As of:** 2026-05-20

Compare the top mortgage lenders in Asheville, NC. Data-driven rankings based on pricing, approval rates, and local market expertise.

> **Canonical URL:** https://saferate.com/asheville-nc/best-mortgage-lenders


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


## Market Statistics

- **Total Lenders:** 63
- **Total Loans:** 3,734
- **Median Rate Spread:** 0.13450819672131148%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | STATE EMPLOYEES' | 86 | 73 | 74 | 286 | Credit Union |
| 2 | HomeTrust Bank | 86 | 80 | 67 | 145 | Bank |
| 3 | UNITED FEDERAL CREDIT UNION | 86 | 65 | 74 | 125 | Credit Union |
| 4 | First-Citizens Bank & Trust Company | 86 | 60 | 62 | 107 | Bank |
| 5 | First Bank | 86 | 83 | 73 | 64 | Bank |
| 6 | UNITED WHOLESALE MORTGAGE, LLC | 84 | 41 | 93 | 184 | Independent Mortgage Company |
| 7 | Truist Bank | 80 | 70 | 68 | 45 | Bank |
| 8 | Bank of America, National Association | 80 | 73 | 75 | 41 | Bank |
| 9 | GoPrime Mortgage, Inc. | 78 | 42 | 86 | 76 | Independent Mortgage Company |
| 10 | NAVY FEDERAL CREDIT UNION | 78 | 93 | 60 | 40 | Credit Union |
| 11 | MOVEMENT MORTGAGE, LLC | 74 | 32 | 84 | 436 | Independent Mortgage Company |
| 12 | ROCKET MORTGAGE, LLC | 74 | 29 | 95 | 336 | Independent Mortgage Company |
| 13 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 74 | 25 | 90 | 149 | Independent Mortgage Company |
| 14 | GUARANTEED RATE, INC. | 73 | 41 | 69 | 87 | Independent Mortgage Company |
| 15 | BAY EQUITY LLC | 73 | 43 | 65 | 73 | Independent Mortgage Company |
| 16 | LOANDEPOT.COM, LLC | 73 | 48 | 76 | 51 | Independent Mortgage Company |
| 17 | Wells Fargo Bank, National Association | 73 | 63 | 59 | 39 | Bank |
| 18 | American Security Mortgage Corp. | 73 | 59 | 77 | 36 | Independent Mortgage Company |
| 19 | U.S. Bank National Association | 73 | 75 | 71 | 21 | Bank |
| 20 | Fifth Third Bank, National Association | 73 | 62 | 62 | 20 | Bank |
| 21 | HOWARD HANNA FINANCIAL SERVICES, INC. | 68 | 38 | 74 | 112 | Independent Mortgage Company |
| 22 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 68 | 24 | 85 | 56 | Independent Mortgage Company |
| 23 | Alcova Mortgage LLC | 68 | 32 | 90 | 49 | Independent Mortgage Company |
| 24 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 68 | 26 | 83 | 44 | Independent Mortgage Company |
| 25 | FREEDOM MORTGAGE CORPORATION | 66 | 55 | 67 | 28 | Independent Mortgage Company |
| 26 | JPMorgan Chase Bank, National Association | 66 | 49 | 70 | 26 | Bank |
| 27 | PENNYMAC LOAN SERVICES, LLC | 66 | 56 | 63 | 22 | Independent Mortgage Company |
| 28 | ALLIANT CREDIT UNION | 66 | 78 | 42 | 20 | Credit Union |
| 29 | TD Bank, National Association | 66 | 47 | 57 | 59 | Bank |
| 30 | Mortgage Research Center, LLC | 63 | 34 | 70 | 44 | Independent Mortgage Company |
| 31 | Champion Credit Union | 62 | 21 | 55 | 70 | Credit Union |
| 32 | CMG MORTGAGE, INC. | 62 | 33 | 81 | 38 | Independent Mortgage Company |
| 33 | Magnolia Bank, Incorporated | 62 | 37 | 82 | 32 | Bank |
| 34 | UNION HOME MORTGAGE CORP. | 62 | 22 | 83 | 29 | Independent Mortgage Company |
| 35 | USAA Federal Savings Bank | 60 | 54 | 45 | 37 | Bank |
| 36 | United Community Bank | 58 | 37 | 53 | 59 | Bank |
| 37 | CROSSCOUNTRY MORTGAGE, LLC | 58 | 20 | 76 | 29 | Independent Mortgage Company |
| 38 | NEWREZ LLC | 52 | 35 | 59 | 23 | Independent Mortgage Company |
| 39 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 50 | 19 | 80 | 42 | Independent Mortgage Company |
| 40 | Telco Community Credit Union | 40 | N/A | 34 | 20 | Credit Union |

## Methodology

Safe Rate calculates these rankings using a risk-adjusted, data-driven scoring system based on Home Mortgage Disclosure Act (HMDA) filings. Rather than relying on simple averages, our statistical models control for loan-level risk factors (such as LTV, loan amount, and property value) to evaluate a lender's true competitiveness within Asheville, NC.

Our composite SafeRate Score is derived using an equal, geometric weighting of the following factors:
1. **Pricing:** Evaluates the lender's interest rates and net fees relative to the market.
2. **Pull-Through:** Measures the percentage of applications that successfully close, indicating reliability and customer service.
3. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.