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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 Conventional 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 | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | HomeTrust Bank | Exceptional | Exceptional | Strong | Strong | Exceptional | $1,196 | +0.074% | 145 | |
2 | STATE EMPLOYEES' | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,385 | -0.864% | 286 | |
3 | First Bank | Exceptional | Exceptional | Strong | Strong | Strong | $1,271 | +0.194% | 64 | |
4 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | $1,198 | -0.422% | 40 | |
5 | UNITED FEDERAL CREDIT UNION | Exceptional | Strong | Strong | Strong | Exceptional | $1,359 | +0.027% | 125 | |
6 | Truist Bank | Exceptional | Strong | Exceptional | Strong | Strong | $695 | -0.015% | 45 | |
7 | Bank of America, National Association | Exceptional | Strong | Exceptional | Strong | Strong | $1,566 | -0.163% | 41 | |
8 | Wells Fargo Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $2,135 | -0.129% | 39 | |
9 | American Security Mortgage Corp. | Exceptional | Strong | Strong | Strong | Strong | $1,919 | +0.157% | 36 | |
10 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Sound | $644 | +0.057% | 21 | |
11 | NBKC BANK | Exceptional | Exceptional | Strong | Sound | Sound | $875 | -0.263% | 18 | |
12 | First National Bank of Pennsylvania | Exceptional | Strong | Exceptional | Strong | Sound | $757 | +0.020% | 15 | |
13 | Morgan Stanley Private Bank, National Association | Exceptional | Exceptional | Strong | Sound | Sound | $348 | -0.326% | 13 | |
14 | SIRVA MORTGAGE, INC. | Exceptional | Exceptional | Strong | Sound | Sound | $146 | +0.195% | 10 | |
15 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,065 | +0.263% | 336 | |
16 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,496 | +0.149% | 184 | |
17 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,916 | +0.309% | 149 | |
18 | BAY EQUITY LLC | Strong | Sound | Exceptional | Strong | Strong | $2,976 | +0.281% | 73 | |
19 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,351 | +0.241% | 51 | |
20 | Fifth Third Bank, National Association | Strong | Strong | Exceptional | Sound | Sound | $1,121 | -0.017% | 20 | |
21 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,711 | +0.340% | 436 | |
22 | HOWARD HANNA FINANCIAL SERVICES, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,072 | +0.161% | 112 | |
23 | First-Citizens Bank & Trust Company | Strong | Sound | Strong | Sound | Exceptional | $1,294 | -0.032% | 107 | |
24 | Alcova Mortgage LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,268 | +0.315% | 49 | |
25 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Sound | $1,973 | +0.214% | 26 | |
26 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Strong | Strong | Sound | Sound | $1,157 | +0.115% | 17 | |
27 | EASTMAN CREDIT UNION | Strong | Sound | Exceptional | Strong | Sound | $2,940 | +0.025% | 13 | |
28 | First Horizon Bank | Strong | Sound | Exceptional | Strong | Sound | $465 | +0.071% | 13 | |
29 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,189 | +0.284% | 87 | |
30 | United Community Bank | Strong | Acceptable | Exceptional | Strong | Strong | $2,328 | +0.511% | 59 | |
31 | TD Bank, National Association | Strong | Sound | Strong | Sound | Strong | $694 | +0.135% | 59 | |
32 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $3,938 | +0.333% | 56 | |
33 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | Strong | $3,831 | +0.407% | 44 | |
34 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | Strong | Acceptable | Exceptional | Strong | Strong | $4,840 | +0.500% | 42 | |
35 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Sound | $2,860 | -0.411% | 22 | |
36 | SOFI BANK, NATIONAL ASSOCIATION | Strong | Strong | Strong | Acceptable | Sound | $230 | +0.211% | 12 | |
37 | Charles Schwab Bank, SSB | Strong | Sound | Strong | Strong | Sound | $918 | -0.094% | 10 | |
38 | Ameris Bank | Strong | Sound | Exceptional | Strong | Acceptable | $2,826 | -0.045% | 10 | |
39 | GoPrime Mortgage, Inc. | Strong | Acceptable | Strong | Strong | Strong | $4,158 | +0.306% | 76 | |
40 | Champion Credit Union | Strong | Acceptable | Sound | Strong | Exceptional | $2,647 | +0.121% | 70 | |
41 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $3,069 | +0.296% | 38 | |
42 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Sound | $3,375 | +0.372% | 29 | |
43 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,703 | +0.362% | 29 | |
44 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Sound | $2,344 | +0.154% | 28 | |
45 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,768 | +0.338% | 18 | |
46 | The Park National Bank | Strong | Acceptable | Exceptional | Strong | Sound | $1,459 | +0.497% | 15 | |
47 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,381 | +0.407% | 12 | |
48 | Magnolia Bank, Incorporated | Strong | Acceptable | Strong | Strong | Sound | $1,243 | -0.072% | 32 | |
49 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Sound | $2,679 | +0.304% | 23 | |
50 | RADIUS FINANCIAL GROUP INC. | Strong | Acceptable | Strong | Strong | Sound | $3,217 | +0.427% | 11 |
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 40 Points)
10
Pricing
Rate and fee competitiveness (25%)
10
Pull Through
Reliability in closing loans (25%)
10
Product
Specialization in the loan type (25%)
10
Place
Local market expertise (25%)
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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