Mortgage lenders in Buncombe County
5,578 mortgages were made in Buncombe County, North Carolina, in 2025, by 422 lenders. The median rate their borrowers got was 6.500% on a median loan of $305,000. Of 7,668 decisions, 1,751 were denials — 22.8%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| STATE EMPLOYEES' | 613 | 6.250% | $205,000 | 28.6% |
| MOVEMENT MORTGAGE, LLC | 403 | 6.625% | $365,000 | 4.0% |
| Rocket Mortgage, LLC | 366 | 6.875% | $265,000 | 17.0% |
| HomeTrust Bank | 258 | 7.000% | $305,000 | 24.3% |
| First-Citizens Bank & Trust Company | 255 | 6.490% | $245,000 | 23.1% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 238 | 6.375% | $355,000 | 10.3% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 200 | 6.624% | $365,000 | 2.4% |
| UNITED FEDERAL CREDIT UNION | 128 | 7.000% | $240,000 | 33.8% |
| Truist Bank | 119 | 6.340% | $210,000 | 38.2% |
| Bank of America, National Association | 110 | 6.240% | $235,000 | 37.6% |
| HOWARD HANNA FINANCIAL SERVICES, INC. | 94 | 6.625% | $370,000 | 0.0% |
| First Bank | 90 | 6.875% | $285,000 | 29.1% |
| GUARANTEED RATE, INC. | 86 | 6.500% | $365,000 | 7.9% |
| DHI MORTGAGE COMPANY, LTD. | 76 | 4.995% | $295,000 | 9.5% |
| Loandepot.Com, LLC | 70 | 6.750% | $285,000 | 23.1% |
| Fairway Independent Mortgage Corporation | 69 | 6.625% | $365,000 | 4.2% |
| TD Bank, National Association | 68 | 6.625% | $500,000 | 21.6% |
| Telco Community Credit Union | 64 | 6.750% | $155,000 | 4.2% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 59 | 9.990% | $115,000 | 67.9% |
| CROSSCOUNTRY MORTGAGE, INC. | 55 | 6.625% | $385,000 | 1.8% |
| GoPrime Mortgage, Inc. | 53 | 6.500% | $315,000 | 3.5% |
| The Park National Bank | 51 | 7.375% | $305,000 | 7.1% |
| PNC Bank, National Association | 50 | 7.120% | $150,000 | 28.8% |
| JPMorgan Chase Bank, National Association | 49 | 6.375% | $385,000 | 8.9% |
| UNION HOME MORTGAGE CORP. | 43 | 6.500% | $325,000 | 2.3% |
| Mortgage Research Center, LLC | 42 | 6.058% | $340,000 | 26.3% |
| PENNYMAC LOAN SERVICES, LLC | 41 | 6.375% | $365,000 | 30.0% |
| United Community Bank | 40 | 6.500% | $305,000 | 16.7% |
| Navy Federal Credit Union | 39 | 6.875% | $265,000 | 29.8% |
| Alcova Mortgage LLC | 38 | 6.750% | $350,000 | 2.3% |
| FREEDOM MORTGAGE CORPORATION | 37 | 5.990% | $385,000 | 13.5% |
| Wells Fargo Bank, National Association | 37 | 6.250% | $335,000 | 21.3% |
| NATIONSTAR MORTGAGE LLC | 37 | 8.000% | $85,000 | 19.6% |
| American Security Mortgage Corp. | 37 | 6.624% | $415,000 | 0.0% |
| Champion Credit Union | 35 | 5.500% | $385,000 | 0.0% |
| Citizens Bank, National Association | 33 | 7.650% | $115,000 | 43.3% |
| FIGURE LENDING LLC | 30 | 9.975% | $65,000 | 32.9% |
| BAY EQUITY LLC | 29 | 6.990% | $405,000 | 0.0% |
| NEWREZ LLC | 28 | 6.250% | $270,000 | 42.0% |
| Broker Solutions, Inc. | 28 | 6.813% | $255,000 | 12.5% |
| CMG MORTGAGE, INC. | 28 | 6.625% | $355,000 | 11.1% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 28 | 6.500% | $270,000 | 12.5% |
| SKYLA FEDERAL CREDIT UNION | 27 | 7.500% | $105,000 | 22.9% |
| Fifth Third Bank, National Association | 26 | 6.970% | $275,000 | 41.7% |
| AmeriSave Mortgage Corporation | 25 | 8.375% | $105,000 | 64.9% |
| Coastal Community Bank | 24 | 9.490% | $65,000 | 2.0% |
| U.S. Bank National Association | 22 | 6.688% | $370,000 | 37.1% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 22 | 6.750% | $330,000 | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | 21 | 8.000% | $85,000 | 49.5% |
| SOFI BANK, NATIONAL ASSOCIATION | 21 | 7.125% | $155,000 | 8.0% |
| First Horizon Bank | 21 | 7.250% | $325,000 | 33.3% |
| First National Bank of Pennsylvania | 21 | 6.490% | $425,000 | 27.6% |
| SPRING EQ, LLC | 19 | 8.050% | $85,000 | 64.1% |
| Third Federal Savings and Loan Association of Cleveland | 19 | 6.790% | $135,000 | 38.7% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 18 | 6.563% | $245,000 | 18.2% |
| Morgan Stanley Private Bank, National Association | 18 | 6.000% | $710,000 | 13.6% |
| BETTER MORTGAGE CORPORATION | 17 | 8.125% | $225,000 | 45.5% |
| T2 FINANCIAL LLC | 17 | 6.875% | $295,000 | 10.0% |
| Tomo Mortgage, LLC | 15 | 6.125% | $355,000 | 6.3% |
| 21st Mortgage Corporation | 14 | 9.330% | $70,000 | 71.2% |
| LOCAL GOVERNMENT | 14 | 8.000% | $60,000 | 56.3% |
| USAA Federal Savings Bank | 14 | 6.438% | $335,000 | 46.4% |
| ALLIANT CREDIT UNION | 14 | 6.813% | $500,000 | 22.2% |
| AMERICAN FINANCIAL RESOURCES, INC. | 14 | 5.750% | $260,000 | 12.5% |
| SELF-HELP Credit Union | 14 | 8.375% | $235,000 | 0.0% |
| RADIUS FINANCIAL GROUP INC. | 13 | 6.875% | $345,000 | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 12 | 7.313% | $285,000 | 40.0% |
| COASTAL Federal Credit Union | 12 | 7.320% | $205,000 | 40.9% |
| OCMBC, INC. | 12 | 6.999% | $355,000 | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | 12 | 6.375% | $165,000 | 0.0% |
| SouthState Bank, National Association | 12 | 6.670% | $470,000 | 0.0% |
| Charles Schwab Bank, SSB | 12 | 5.625% | $615,000 | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 11 | 6.000% | $455,000 | 17.7% |
| Citadel Servicing Corporation | 11 | 7.250% | $305,000 | 6.7% |
| Kiavi Funding, Inc. | 11 | 9.950% | $325,000 | 15.4% |
| Pinnacle Bank | 11 | 6.375% | $275,000 | 15.4% |
| Ameris Bank | 11 | 6.625% | $425,000 | 8.3% |
| ACOPIA, LLC | 10 | 6.063% | $305,000 | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 10 | 6.438% | $365,000 | 9.1% |
| NEW DAY FINANCIAL, LLC | 9 | Under 10 loans | Under 10 loans | 35.3% |
| LAKEVIEW LOAN SERVICING, LLC | 9 | Under 10 loans | Under 10 loans | 62.5% |
| CARRINGTON MORTGAGE SERVICES, LLC | 9 | Under 10 loans | Under 10 loans | 47.1% |
| THE LOAN STORE, INC. | 9 | Under 10 loans | Under 10 loans | 23.1% |
| ZILLOW HOME LOANS, LLC | 9 | Under 10 loans | Under 10 loans | 10.0% |
| PLAZA HOME MORTGAGE, INC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| NFM, INC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Home Mortgage, Inc. | 9 | Under 10 loans | Under 10 loans | 10.0% |
| Regions Bank | 8 | Under 10 loans | Under 10 loans | 25.0% |
| Lendage, LLC | 8 | Under 10 loans | Under 10 loans | 18.2% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 8 | Under 10 loans | Under 10 loans | 33.3% |
| LOWER, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| SELECT LENDING SERVICES LLC | 8 | Under 10 loans | Under 10 loans | 9.1% |
| Valon Mortgage, Inc. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Baxter Credit Union | 8 | Under 10 loans | Under 10 loans | 10.0% |
| LENDSURE MORTGAGE CORP. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Bethpage Federal Credit Union | 7 | Under 10 loans | Under 10 loans | 36.4% |
| TRUPoint Bank | 7 | Under 10 loans | Under 10 loans | 20.0% |
| CHAMPIONS FUNDING, LLC | 7 | Under 10 loans | Under 10 loans | 22.2% |
| UBS Bank USA | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Genisys Credit Union | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Raymond James Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| The Federal Savings Bank | 6 | Under 10 loans | Under 10 loans | 33.3% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 6 | Under 10 loans | Under 10 loans | 11.1% |
| AMERICAN HERITAGE LENDING, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| KIND LENDING, LLC | 6 | Under 10 loans | Under 10 loans | 33.3% |
| DEEPHAVEN MORTGAGE LLC | 6 | Under 10 loans | Under 10 loans | 25.0% |
| 984500RF83EA742B5589 | 6 | Under 10 loans | Under 10 loans | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Primis Mortgage Company | 6 | Under 10 loans | Under 10 loans | 0.0% |
| EVERETT FINANCIAL, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| RELIANCE FIRST CAPITAL, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Truliant Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 58.3% |
| PHH Mortgage Corporation | 5 | Under 10 loans | Under 10 loans | 16.7% |
| A&D Mortgage LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 5 | Under 10 loans | Under 10 loans | 14.3% |
| AMERICAN FINANCIAL NETWORK, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 5 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| LONGBRIDGE FINANCIAL, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Leader Bank, National Association | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Capital City Home Loans, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Magnolia Bank, Incorporated | 5 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 59.1% |
| VILLAGE CAPITAL & INVESTMENT LLC | 4 | Under 10 loans | Under 10 loans | 21.1% |
| GoodLeap, LLC | 4 | Under 10 loans | Under 10 loans | 45.5% |
| NBKC BANK | 4 | Under 10 loans | Under 10 loans | 42.9% |
| Prosperity Home Mortgage, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| EASTMAN CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 16.7% |
| SOUTH RIVER MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 42.9% |
| AMERITRUST MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Mountain Credit Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 4 | Under 10 loans | Under 10 loans | 42.9% |
| Northpointe Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ServisFirst Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| The Huntington National Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| GUILD MORTGAGE COMPANY | 4 | Under 10 loans | Under 10 loans | 0.0% |
| RUOFF MORTGAGE COMPANY, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Dollar Bank, Federal Savings Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Manufacturers and Traders Trust Company | 4 | Under 10 loans | Under 10 loans | 20.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| OriginPoint, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTHWEST STAGE FUNDING, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MISSION LOANS, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| 254900M2C4Q6DATP2889 | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Beeline Loans, Inc. | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Loan Funder LLC | 3 | Under 10 loans | Under 10 loans | 40.0% |
| TOWER Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 42.9% |
| NEXERA HOLDING LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| AMWEST FUNDING CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Bank OZK | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Paramount Residential Mortgage Group, Inc. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| American Airlines Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Liberty | 3 | Under 10 loans | Under 10 loans | 25.0% |
| SUMMIT FUNDING, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| SCHUMACHER MORTGAGE LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| VERITAS FUNDING, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| The Fidelity Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CLEARPATH LENDING | 3 | Under 10 loans | Under 10 loans | 25.0% |
| NexBank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CAPITAL CENTER, L.L.C. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BNY Mellon, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Renasant Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FAIRWINDS CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CLEAREDGE LENDING LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SIRVA MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 2 | Under 10 loans | Under 10 loans | 93.3% |
| AMERICAN FINANCING CORPORATION | 2 | Under 10 loans | Under 10 loans | 80.0% |
| NETWORK CAPITAL FUNDING CORPORATION | 2 | Under 10 loans | Under 10 loans | 60.0% |
| Hometown Equity Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 57.1% |
| Filo Mortgage, L.L.C. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Plains Commerce Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| FIRST COMMUNITY MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 16.7% |
| ALLIED MORTGAGE GROUP, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Texana Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| KWIK MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Towne Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DELMAR FINANCIAL COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BPL MORTGAGE TRUST, LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Loan Simple, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ATLANTA POSTAL | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Barrington Bank & Trust Company, National Association | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Sierra Pacific Mortgage Company, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TOP FLITE FINANCIAL, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Builder Finance Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST HOME MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 33.3% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 222 lenders each made 2 or fewer mortgages here, and are counted in the totals above.
Bank branches in Buncombe County
67 FDIC-insured branches from 22 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| First-Citizens Bank & Trust Company | 11 | $1.2 billion |
| Wells Fargo Bank, National Association | 8 | $1.3 billion |
| First Bank | 8 | $840.2 million |
| Truist Bank | 6 | $1.0 billion |
| HomeTrust Bank | 4 | $971.8 million |
| Bank of America, National Association | 4 | $741.1 million |
| TD Bank, National Association | 3 | $324.6 million |
| First Horizon Bank | 3 | $230.6 million |
| PNC Bank, National Association | 3 | $223.8 million |
| Fifth Third Bank, National Association | 3 | $159.9 million |
| Woodforest National Bank | 3 | $7.9 million |
| First National Bank of Pennsylvania | 1 | $101.1 million |
| The Park National Bank | 1 | $95.8 million |
| Pinnacle Bank | 1 | $74.8 million |
| ServisFirst Bank | 1 | $63.1 million |
| Black Mountain Savings Bank, SSB | 1 | $37.7 million |
| Bank OZK | 1 | $18.8 million |
| TruPoint Bank | 1 | $16.2 million |
| JPMorgan Chase Bank, National Association | 1 | $11.8 million |
| Movement Bank | 1 | $8.5 million |
| Old National Bank | 1 | $0 |
| AMG National Trust Bank | 1 | $0 |
Closed since the 2025 survey
1 branch in the 2025 survey has no 2026 row: closed, sold, or moved.
- First-Citizens Bank & Trust Company, 1375 Patton Ave, Asheville
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When the next year’s lending figures are out for Buncombe County, or a lender arrives or leaves.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. Branches and deposits come from the FDIC Summary of Deposits as of 30 June 2026, and bank balance sheets from the FDIC institutions directory. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.