Home purchase lenders in Buncombe County
2,834 home purchase mortgages were made in Buncombe County, North Carolina, in 2025, by 315 lenders. The median rate their borrowers got was 6.500% on a median loan of $365,000. Of 3,445 decisions, 459 were denials — 13.3%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| MOVEMENT MORTGAGE, LLC | 319 | 6.625% | $375,000 | 0.8% |
| STATE EMPLOYEES' | 227 | 5.825% | $345,000 | 15.1% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 181 | 6.624% | $355,000 | 2.7% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 130 | 6.539% | $355,000 | 2.2% |
| HomeTrust Bank | 123 | 6.625% | $375,000 | 10.2% |
| Rocket Mortgage, LLC | 105 | 6.625% | $365,000 | 7.0% |
| HOWARD HANNA FINANCIAL SERVICES, INC. | 89 | 6.625% | $365,000 | 0.0% |
| DHI MORTGAGE COMPANY, LTD. | 76 | 4.995% | $295,000 | 9.5% |
| UNITED FEDERAL CREDIT UNION | 65 | 6.500% | $355,000 | 1.5% |
| GUARANTEED RATE, INC. | 61 | 6.500% | $375,000 | 3.1% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 58 | 9.990% | $115,000 | 68.2% |
| First-Citizens Bank & Trust Company | 58 | 6.375% | $485,000 | 6.4% |
| Fairway Independent Mortgage Corporation | 55 | 6.625% | $375,000 | 5.2% |
| GoPrime Mortgage, Inc. | 42 | 6.625% | $315,000 | 4.4% |
| CROSSCOUNTRY MORTGAGE, INC. | 41 | 6.625% | $385,000 | 0.0% |
| TD Bank, National Association | 41 | 6.375% | $695,000 | 8.7% |
| First Bank | 37 | 6.375% | $395,000 | 11.4% |
| Truist Bank | 36 | 6.375% | $505,000 | 21.7% |
| Mortgage Research Center, LLC | 32 | 6.313% | $350,000 | 3.0% |
| Champion Credit Union | 32 | 5.500% | $380,000 | 0.0% |
| JPMorgan Chase Bank, National Association | 30 | 6.375% | $395,000 | 8.6% |
| Alcova Mortgage LLC | 30 | 6.750% | $385,000 | 0.0% |
| American Security Mortgage Corp. | 30 | 6.687% | $400,000 | 0.0% |
| Loandepot.Com, LLC | 29 | 6.750% | $335,000 | 3.3% |
| Bank of America, National Association | 28 | 5.875% | $530,000 | 6.7% |
| BAY EQUITY LLC | 28 | 6.990% | $405,000 | 0.0% |
| The Park National Bank | 26 | 7.250% | $610,000 | 3.7% |
| UNION HOME MORTGAGE CORP. | 26 | 6.500% | $325,000 | 0.0% |
| Wells Fargo Bank, National Association | 25 | 6.125% | $355,000 | 10.7% |
| TRIAD FINANCIAL SERVICES, INC. | 21 | 8.000% | $85,000 | 49.5% |
| CMG MORTGAGE, INC. | 21 | 6.563% | $365,000 | 3.9% |
| Navy Federal Credit Union | 21 | 6.000% | $345,000 | 4.6% |
| United Community Bank | 19 | 6.625% | $360,000 | 9.5% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 18 | 6.688% | $300,000 | 0.0% |
| PENNYMAC LOAN SERVICES, LLC | 17 | 6.624% | $395,000 | 29.2% |
| T2 FINANCIAL LLC | 17 | 6.875% | $295,000 | 10.0% |
| Broker Solutions, Inc. | 16 | 6.495% | $305,000 | 0.0% |
| Tomo Mortgage, LLC | 15 | 6.125% | $355,000 | 6.3% |
| Morgan Stanley Private Bank, National Association | 14 | 6.200% | $740,000 | 11.8% |
| SELF-HELP Credit Union | 14 | 8.375% | $235,000 | 0.0% |
| 21st Mortgage Corporation | 13 | 9.260% | $75,000 | 71.4% |
| USAA Federal Savings Bank | 13 | 6.375% | $405,000 | 33.3% |
| ALLIANT CREDIT UNION | 13 | 6.750% | $525,000 | 18.8% |
| AMERICAN FINANCIAL RESOURCES, INC. | 12 | 5.750% | $255,000 | 7.7% |
| Telco Community Credit Union | 11 | 6.000% | $355,000 | 0.0% |
| PNC Bank, National Association | 10 | 6.563% | $405,000 | 28.6% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 10 | 6.308% | $240,000 | 9.1% |
| ACOPIA, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 9 | Under 10 loans | Under 10 loans | 10.0% |
| Ameris Bank | 9 | Under 10 loans | Under 10 loans | 0.0% |
| First Horizon Bank | 8 | Under 10 loans | Under 10 loans | 27.3% |
| Kiavi Funding, Inc. | 8 | Under 10 loans | Under 10 loans | 11.1% |
| U.S. Bank National Association | 8 | Under 10 loans | Under 10 loans | 20.0% |
| ZILLOW HOME LOANS, LLC | 8 | Under 10 loans | Under 10 loans | 11.1% |
| NATIONSTAR MORTGAGE LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| SKYLA FEDERAL CREDIT UNION | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Pinnacle Bank | 7 | Under 10 loans | Under 10 loans | 12.5% |
| PLAZA HOME MORTGAGE, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| RADIUS FINANCIAL GROUP INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of Pennsylvania | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Commerce Home Mortgage, Inc. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| SOFI BANK, NATIONAL ASSOCIATION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Primis Mortgage Company | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Genisys Credit Union | 6 | Under 10 loans | Under 10 loans | 0.0% |
| SouthState Bank, National Association | 6 | Under 10 loans | Under 10 loans | 0.0% |
| THE LOAN STORE, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 6 | Under 10 loans | Under 10 loans | 0.0% |
| TRUPoint Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Raymond James Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 5 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 28.6% |
| Fifth Third Bank, National Association | 5 | Under 10 loans | Under 10 loans | 37.5% |
| GUARANTEED RATE AFFINITY, LLC | 5 | Under 10 loans | Under 10 loans | 14.3% |
| SELECT LENDING SERVICES LLC | 5 | Under 10 loans | Under 10 loans | 12.5% |
| UBS Bank USA | 5 | Under 10 loans | Under 10 loans | 16.7% |
| NFM, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| EVERETT FINANCIAL, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 59.1% |
| NBKC BANK | 4 | Under 10 loans | Under 10 loans | 20.0% |
| OCMBC, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Dollar Bank, Federal Savings Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LOWER, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| RUOFF MORTGAGE COMPANY, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| COASTAL Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Magnolia Bank, Incorporated | 4 | Under 10 loans | Under 10 loans | 0.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTHWEST STAGE FUNDING, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 3 | Under 10 loans | Under 10 loans | 16.7% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 50.0% |
| Mountain Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| The Federal Savings Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| KIND LENDING, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| NexBank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FAIRWINDS CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GUILD MORTGAGE COMPANY | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Leader Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| OriginPoint, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Capital City Home Loans, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SIRVA MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Funder LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERITRUST MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Plains Commerce Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Regions Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| 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% |
| AMERICAN FINANCIAL NETWORK, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NEWREZ LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Huntington National Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| American Airlines Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Prosperity Home Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Liberty | 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% |
| FREEDOM MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SCHUMACHER MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE INVESTORS GROUP, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Fidelity Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Synergy One Lending, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BNY Mellon, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ALAMEDA MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Renasant Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of Tennessee | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Heritage Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Five Star Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Premia Mortgage, LLC DBA Premia Relocation Mortgage | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMWEST FUNDING CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Aurora Financial, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MERCHANTS MORTGAGE & TRUST CORPORATION, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Synovus Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| COUNTRYPLACE MORTGAGE, LTD. | 1 | Under 10 loans | Under 10 loans | 90.9% |
| Discover Bank | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Citizens Bank, National Association | 1 | Under 10 loans | Under 10 loans | 75.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 25.0% |
| Beeline Loans, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Filo Mortgage, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Simple, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Ally Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Waterstone Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CASTLE & COOKE MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SPRING EQ, LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Hometown Equity Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Truliant Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 66.7% |
| DEEPHAVEN MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Cornerstone First Mortgage, Inc | 1 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Sunflower Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 254900CTT87ZKAUTIJ37 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LIMA ONE CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Uwharrie Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DELMAR FINANCIAL COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Armed Forces Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Third Federal Savings and Loan Association of Cleveland | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Centennial Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN BANCSHARES MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CALCON MUTUAL MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Mid-Continent Funding, Inc. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| HOMEXPRESS MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Texana Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| INTERCAP LENDING INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PIKE CREEK MORTGAGE SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| GTE Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| HSBC BANK USA, NATIONAL ASSOCIATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CAPITAL CENTER, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Logan Finance Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NQM FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 2549005FUF02T1IFCA22 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Azuza LLC dba Z Loans Funding | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AAA CAPITAL INVESTMENT, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AML FUNDING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of America | 1 | Under 10 loans | Under 10 loans | 0.0% |
| WALKER & DUNLOP, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Onward Home Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FOUNDERS FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GENEVA FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Gateway First Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Click n' Close, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 115 lenders each made 1 or fewer mortgages here, and are counted in the totals above.
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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. 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.