# Best Conventional Mortgage Lenders in Asheville, NC

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

Compare the top Conventional mortgage lenders in Asheville, NC. Data-driven rankings based on rates, fees, and approval rates.

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


> **📋 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' | 89 | 71 | 73 | 286 | Credit Union |
| 2 | HomeTrust Bank | 89 | 81 | 64 | 145 | Bank |
| 3 | UNITED FEDERAL CREDIT UNION | 85 | 66 | 74 | 125 | Credit Union |
| 4 | First Bank | 85 | 81 | 77 | 64 | Bank |
| 5 | Truist Bank | 85 | 71 | 69 | 45 | Bank |
| 6 | Bank of America, National Association | 85 | 71 | 67 | 41 | Bank |
| 7 | NAVY FEDERAL CREDIT UNION | 83 | 92 | 53 | 40 | Credit Union |
| 8 | American Security Mortgage Corp. | 80 | 61 | 69 | 36 | Independent Mortgage Company |
| 9 | ROCKET MORTGAGE, LLC | 80 | 28 | 87 | 336 | Independent Mortgage Company |
| 10 | UNITED WHOLESALE MORTGAGE, LLC | 80 | 36 | 86 | 184 | Independent Mortgage Company |
| 11 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 80 | 25 | 80 | 149 | Independent Mortgage Company |
| 12 | BAY EQUITY LLC | 79 | 46 | 65 | 73 | Independent Mortgage Company |
| 13 | LOANDEPOT.COM, LLC | 79 | 45 | 72 | 51 | Independent Mortgage Company |
| 14 | Wells Fargo Bank, National Association | 79 | 61 | 57 | 39 | Bank |
| 15 | U.S. Bank National Association | 79 | 75 | 69 | 21 | Bank |
| 16 | First National Bank of Pennsylvania | 79 | 63 | 77 | 15 | Bank |
| 17 | MOVEMENT MORTGAGE, LLC | 75 | 34 | 77 | 436 | Independent Mortgage Company |
| 18 | HOWARD HANNA FINANCIAL SERVICES, INC. | 75 | 37 | 69 | 112 | Independent Mortgage Company |
| 19 | Alcova Mortgage LLC | 75 | 31 | 82 | 49 | Independent Mortgage Company |
| 20 | First-Citizens Bank & Trust Company | 73 | 57 | 59 | 107 | Bank |
| 21 | JPMorgan Chase Bank, National Association | 73 | 52 | 71 | 26 | Bank |
| 22 | Fifth Third Bank, National Association | 73 | 61 | 60 | 20 | Bank |
| 23 | NBKC BANK | 73 | 90 | 49 | 18 | Bank |
| 24 | EASTMAN CREDIT UNION | 73 | 40 | 72 | 13 | Credit Union |
| 25 | Morgan Stanley Private Bank, National Association | 73 | 96 | 57 | 13 | Bank |
| 26 | First Horizon Bank | 73 | 57 | 65 | 13 | Bank |
| 27 | SIRVA MORTGAGE, INC. | 73 | 88 | 41 | 10 | Independent Mortgage Company |
| 28 | GUARANTEED RATE, INC. | 71 | 39 | 65 | 87 | Independent Mortgage Company |
| 29 | United Community Bank | 71 | 34 | 65 | 59 | Bank |
| 30 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 71 | 25 | 78 | 56 | Independent Mortgage Company |
| 31 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 71 | 26 | 76 | 44 | Independent Mortgage Company |
| 32 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 71 | 20 | 68 | 42 | Independent Mortgage Company |
| 33 | TD Bank, National Association | 69 | 54 | 50 | 59 | Bank |
| 34 | MUTUAL OF OMAHA MORTGAGE, INC. | 69 | 65 | 55 | 17 | Independent Mortgage Company |
| 35 | Charles Schwab Bank, SSB | 69 | 45 | 73 | 10 | Bank |
| 36 | PENNYMAC LOAN SERVICES, LLC | 68 | 42 | 59 | 22 | Independent Mortgage Company |
| 37 | GoPrime Mortgage, Inc. | 67 | 31 | 74 | 76 | Independent Mortgage Company |
| 38 | Champion Credit Union | 66 | 20 | 65 | 70 | Credit Union |
| 39 | CMG MORTGAGE, INC. | 66 | 34 | 73 | 38 | Independent Mortgage Company |
| 40 | CROSSCOUNTRY MORTGAGE, LLC | 66 | 21 | 74 | 29 | Independent Mortgage Company |
| 41 | UNION HOME MORTGAGE CORP. | 66 | 23 | 77 | 29 | Independent Mortgage Company |
| 42 | NATIONSTAR MORTGAGE LLC | 66 | 27 | 64 | 18 | Independent Mortgage Company |
| 43 | The Park National Bank | 66 | 39 | 76 | 15 | Bank |
| 44 | LOWER, LLC | 66 | 33 | 66 | 12 | Independent Mortgage Company |
| 45 | Ameris Bank | 66 | 41 | 76 | 10 | Bank |
| 46 | FREEDOM MORTGAGE CORPORATION | 64 | 41 | 47 | 28 | Independent Mortgage Company |
| 47 | Magnolia Bank, Incorporated | 63 | 37 | 70 | 32 | Bank |
| 48 | SOFI BANK, NATIONAL ASSOCIATION | 63 | 72 | 26 | 12 | Bank |
| 49 | RADIUS FINANCIAL GROUP INC. | 63 | 28 | 66 | 11 | Independent Mortgage Company |
| 50 | NEWREZ LLC | 62 | 31 | 58 | 23 | Independent Mortgage Company |

## 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. **Product Knowledge:** Evaluates the lender's specific experience and volume originating the selected loan product.
4. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.