North Carolina · HMDA 2025
Mortgage lenders in Buncombe County, NC
416 lenders reported 10,794 home-loan applications in Buncombe County in 2025. 5,578 closed as loans ($2.2B), 1,751 were denied — a 22.8% denial rate on decided applications, close to the North Carolina rate of 22.7%. The three most active lenders handled 20% of applications, led by STATE EMPLOYEES'. 14 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 10,794
- Loans originated
- 5,578
- Purchase / refinance
- 2,834 / 1,649
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Buncombe County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | STATE EMPLOYEES' | 1,059 | 9.8% | — |
| 2 | MOVEMENT MORTGAGE, LLC | 571 | 5.3% | — |
| 3 | Rocket Mortgage, LLC | 517 | 4.8% | — |
| 4 | VANDERBILT MORTGAGE AND FINANCE, INC. | 412 | 3.8% | — |
| 5 | HomeTrust Bank 68 out of 100, Moderate | 407 | 3.8% | 24.1% |
| 6 | First-Citizens Bank & Trust Company 58 out of 100, Moderate | 400 | 3.7% | 22.5% |
| 7 | UNITED SHORE FINANCIAL SERVICES, LLC | 329 | 3.0% | — |
| 8 | PENNYMAC LOAN SERVICES, LLC | 321 | 3.0% | — |
| 9 | Truist Bank 63 out of 100, Moderate | 267 | 2.5% | 40.8% |
| 10 | Bank of America, National Association 59 out of 100, Moderate | 259 | 2.4% | 44.7% |
| 11 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 247 | 2.3% | — |
| 12 | UNITED FEDERAL CREDIT UNION | 225 | 2.1% | — |
| 13 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 208 | 1.9% | 14.1% |
| 14 | NEWREZ LLC | 191 | 1.8% | — |
| 15 | GUARANTEED RATE, INC. | 183 | 1.7% | — |
| 16 | First Bank 74 out of 100, Strong | 144 | 1.3% | 18.3% |
| 17 | TD Bank, National Association 63 out of 100, Moderate | 127 | 1.2% | 35.3% |
| 18 | AMERIHOME MORTGAGE COMPANY, LLC | 117 | 1.1% | — |
| 19 | HOWARD HANNA FINANCIAL SERVICES, INC. | 114 | 1.1% | — |
| 20 | FREEDOM MORTGAGE CORPORATION | 112 | 1.0% | — |
| 21 | Loandepot.Com, LLC | 111 | 1.0% | — |
| 22 | DHI MORTGAGE COMPANY, LTD. | 107 | 1.0% | — |
| 23 | TRIAD FINANCIAL SERVICES, INC. | 99 | 0.9% | — |
| 24 | CROSSCOUNTRY MORTGAGE, INC. | 96 | 0.9% | — |
| 25 | FIGURE LENDING LLC | 95 | 0.9% | — |
| 26 | PNC Bank, National Association 62 out of 100, Moderate | 94 | 0.9% | 33.8% |
| 27 | Mortgage Research Center, LLC | 92 | 0.9% | — |
| 28 | AmeriSave Mortgage Corporation | 88 | 0.8% | — |
| 29 | Fairway Independent Mortgage Corporation | 87 | 0.8% | — |
| 30 | Telco Community Credit Union 76 out of 100, Strong | 86 | 0.8% | 2.6% |
| 31 | NATIONSTAR MORTGAGE LLC | 86 | 0.8% | — |
| 32 | Citizens Bank, National Association 54 out of 100, Below average | 84 | 0.8% | 32.5% |
| 33 | Navy Federal Credit Union 66 out of 100, Moderate | 80 | 0.7% | 32.9% |
| 34 | 21st Mortgage Corporation | 79 | 0.7% | — |
| 35 | Coastal Community Bank 35 out of 100, Low | 76 | 0.7% | 3.0% |
| 36 | Third Federal Savings and Loan Association of Cleveland 64 out of 100, Moderate | 75 | 0.7% | 35.5% |
| 37 | SPRING EQ, LLC | 70 | 0.6% | — |
| 38 | Broker Solutions, Inc. | 69 | 0.6% | — |
| 39 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 68 | 0.6% | 22.2% |
| 40 | GoPrime Mortgage, Inc. | 68 | 0.6% | — |
Top 40 of 416 lenders shown. Denial rates are each lender's nationwide figure for 2025, available for banks and credit unions we profile.
Other counties in North Carolina
- Wake County 59,673 apps
- Mecklenburg County 55,863 apps
- Guilford County 22,676 apps
- Cumberland County 18,243 apps
- Forsyth County 18,023 apps
- Brunswick County 15,666 apps
- Union County 15,609 apps
- Johnston County 15,328 apps
- Durham County 14,512 apps
- Onslow County 14,086 apps
- Gaston County 13,863 apps
- Cabarrus County 13,504 apps