Largest lenders in Buncombe County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | State Employees' | C | 1,056 | 613 | 23.4% | 6.25% |
| 2 | Movement Mortgage | A | 571 | 403 | 3.3% | 6.63% |
| 3 | Rocket Mortgage | C | 502 | 366 | 15.7% | 6.88% |
| 4 | Vanderbilt Mortgage and Finance | F | 408 | 59 | 35.8% | 9.99% |
| 5 | HomeTrust Bank | C | 406 | 258 | 20.7% | 7.00% |
| 6 | First-Citizens Bank & Trust | B | 384 | 255 | 21.4% | 6.49% |
| 7 | United Shore Financial Services | B | 329 | 238 | 8.5% | 6.38% |
| 8 | Atlantic Bay Mortgage Group | A | 245 | 200 | 2.0% | 6.62% |
| 9 | Bank of America | F | 239 | 110 | 28.0% | 6.24% |
| 10 | Truist Bank | C | 225 | 119 | 33.8% | 6.34% |
| 11 | United Federal Credit Union | D | 225 | 128 | 30.7% | 7.00% |
| 12 | Guaranteed Rate | B | 172 | 86 | 4.7% | 6.50% |
| 13 | First Bank | C | 144 | 90 | 27.1% | 6.88% |
| 14 | Howard Hanna Financial Services | A | 114 | 94 | 0.0% | 6.63% |
| 15 | Loandepot.Com | D | 110 | 70 | 19.1% | 6.75% |
| 16 | Dhi Mortgage Company | B | 107 | 76 | 7.5% | 5.00% |
| 17 | TD Bank | D | 106 | 68 | 17.9% | 6.63% |
| 18 | Triad Financial Services | D | 99 | 21 | 49.5% | 8.00% |
| 19 | Newrez | D | 97 | 28 | 21.7% | 6.25% |
| 20 | Crosscountry Mortgage | B | 96 | 55 | 1.0% | 6.63% |
| 21 | Pennymac Loan Services | C | 93 | 41 | 19.4% | 6.38% |
| 22 | Mortgage Research Center | C | 92 | 42 | 16.3% | 6.06% |
| 23 | Freedom Mortgage | B | 89 | 37 | 7.9% | 5.99% |
| 24 | AmeriSave Mortgage | D | 88 | 25 | 56.8% | 8.38% |
| 25 | PNC Bank | D | 87 | 50 | 24.1% | 7.12% |
Best approval odds in Buncombe County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Howard Hanna Financial Services | 95 | 0.0% |
| 2 | Crosscountry Mortgage | 57 | 1.8% |
| 3 | Coastal Community Bank | 51 | 2.0% |
| 4 | Atlantic Bay Mortgage Group | 208 | 2.4% |
| 5 | GoPrime Mortgage | 57 | 3.5% |
| 6 | Movement Mortgage | 472 | 4.0% |
| 7 | Telco Community Credit Union | 72 | 4.2% |
| 8 | Fairway Independent Mortgage | 72 | 4.2% |
| 9 | The Park National Bank | 56 | 7.1% |
| 10 | Guaranteed Rate | 101 | 7.9% |
What Buncombe County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Buncombe County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 9,173 | 5,182 | 21.0% | 6.88% | $225,000 |
| 2024 | 8,658 | 4,910 | 19.5% | 6.99% | $245,000 |
| 2025 | 9,739 | 5,578 | 18.0% | 6.53% | $265,000 |
Frequently asked questions
18.0% of applications in Buncombe County were denied in 2025, against 18.1% statewide in North Carolina.
State Employees', with 1,056 applications in 2025 and a denial rate of 23.4%.
The median mortgage application in Buncombe County in 2025 was for $265,000; the median property value on originated loans was $495,000.