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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 Company Lenders in Asheville
Updated February 5, 2026
Market Overview
31
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 | American Security Mortgage Corp. | Exceptional | Strong | Strong | Strong | Strong | $1,919 | +0.157% | 36 | |
2 | SIRVA MORTGAGE, INC. | Exceptional | Exceptional | Strong | Sound | Sound | $146 | +0.195% | 10 | |
3 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,065 | +0.263% | 336 | |
4 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,496 | +0.149% | 184 | |
5 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,916 | +0.309% | 149 | |
6 | BAY EQUITY LLC | Strong | Sound | Exceptional | Strong | Strong | $2,976 | +0.281% | 73 | |
7 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,351 | +0.241% | 51 | |
8 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,711 | +0.340% | 436 | |
9 | HOWARD HANNA FINANCIAL SERVICES, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,072 | +0.161% | 112 | |
10 | Alcova Mortgage LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,268 | +0.315% | 49 | |
11 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Strong | Strong | Sound | Sound | $1,157 | +0.115% | 17 | |
12 | BETTER MORTGAGE CORPORATION | Strong | Exceptional | Strong | Mediocre | Sound | $1,883 | +0.013% | 16 | |
13 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,189 | +0.284% | 87 | |
14 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $3,938 | +0.333% | 56 | |
15 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | Strong | $3,831 | +0.407% | 44 | |
16 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | Strong | Acceptable | Exceptional | Strong | Strong | $4,840 | +0.500% | 42 | |
17 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Sound | $2,860 | -0.411% | 22 | |
18 | GoPrime Mortgage, Inc. | Strong | Acceptable | Strong | Strong | Strong | $4,158 | +0.306% | 76 | |
19 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $3,069 | +0.296% | 38 | |
20 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Sound | $3,375 | +0.372% | 29 | |
21 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,703 | +0.362% | 29 | |
22 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Sound | $2,344 | +0.154% | 28 | |
23 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,768 | +0.338% | 18 | |
24 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,381 | +0.407% | 12 | |
25 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Sound | $2,679 | +0.304% | 23 | |
26 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $4,077 | +0.574% | 17 | |
27 | RADIUS FINANCIAL GROUP INC. | Strong | Acceptable | Strong | Strong | Sound | $3,217 | +0.427% | 11 | |
28 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Strong | Acceptable | $4,135 | +0.526% | 10 | |
29 | ZILLOW HOME LOANS, LLC | Sound | Acceptable | Strong | Sound | Sound | $3,279 | +0.303% | 12 | |
30 | ACOPIA, LLC | Sound | Acceptable | Strong | Sound | Sound | $2,115 | +0.246% | 10 | |
31 | AgFirst Farm Credit Bank | Sound | Mediocre | Strong | Strong | Sound | $1,835 | +0.693% | 14 |
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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