Mortgage Lenders and Brokers in Waynesville, North Carolina
Brian McKay
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iEditorial Disclosure
Editorial DisclosureLender lists come from federal HMDA loan data. Average rates come from our daily monitoring network. Editorial content is independent of any advertiser relationships.
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✓Fact Checked
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Loan Rates Last Updated and Verified: October 7, 2026
Waynesville, North Carolina mortgage lenders include HomeTrust BankHomeTrust Bank800 Russ Ave, Waynesville, NC 28786A+5.0 ★Texas Ratio: 5.53%, United Community BankUnited Community Bank165 N Main St, Waynesville, NC 28786A+5.0 ★Texas Ratio: 2.97%, First Ciitizens Bank and TrustFirst Ciitizens Bank and Trust2045 S Main St, Waynesville, NC 28786A5.0 ★Texas Ratio: 7.72%, Mountain Credit UnionMountain Credit Union1700 Russ Ave, Waynesville, NC 28786 5807A+5.0 ★Texas Ratio: 3.23%, Wells Fargo Bank NAWells Fargo Bank NA339 Russ Ave, Waynesville, NC 28786A+5.0 ★Texas Ratio: 5.36%, Truist BankTruist Bank135 N Main St, Waynesville, NC 28786A+5.0 ★Texas Ratio: 2.87%, State Employees' Credit UnionState Employees' Credit Union1125 ACADEMY ST N, AHOSKIE, NC 27910A-5.0 ★Texas Ratio: 14.13%, Champion Credit UnionChampion Credit Union311 Walnut St, Waynesville, NC 28786A+5.0 ★Texas Ratio: 1.55%, Telco Community Credit UnionTelco Community Credit Union370 N Main St, Waynesville, NC 28786 3874A+5.0 ★Texas Ratio: 5.00%, and First BankFirst Bank105 S Sandhills Blvd, Aberdeen, NC 28315A+5.0 ★Texas Ratio: 1.94%. Banks, credit unions and mortgage companies are listed together, with FHA, VA and local options flagged for quick comparison.
Lenders are ranked only by the number of home loans they closed in Waynesville, North Carolina in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Waynesville are listed first, then lenders elsewhere in North Carolina, then lenders from other states that closed loans there. Banks and credit unions carry a MonitorBankRates health grade, star rating and Texas Ratio, so you can judge how financially sound they are. Mortgage companies have no deposits to rate, so compare their loan programs, median loan and borrower reviews instead. Compare at least three lenders and ask each for a written loan estimate before you choose.
Mortgage Lenders and Brokers in Waynesville, North Carolina
Market share is the lender's share of all home loans closed in Waynesville, North Carolina. Approval share is approvals divided by completed applications. Grade is the MonitorBankRates Health and Safety Grade, available for banks and credit unions only. Average loan is the lender's mean loan amount here.
| Lender | Programs | Loans closed | Market share | Approval share | Average loan | View |
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1 office in Waynesville 800 Russ Ave, Waynesville, NC 28786 A+5.0 ★Texas Ratio: 5.53% |
Conventional, Jumbo, HELOC | 14 +11 HELOCs |
4.6% | 93.3% | $327,857 | View |
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1 office in Waynesville 165 N Main St, Waynesville, NC 28786 A+5.0 ★Texas Ratio: 2.97% |
Conventional, Jumbo, HELOC | 8 +11 HELOCs |
2.6% | 80% | $362,500 | View |
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2 offices in Waynesville 2045 S Main St, Waynesville, NC 28786 A5.0 ★Texas Ratio: 7.72% |
Conventional, HELOC | 8 +6 HELOCs |
2.6% | 100% | $392,500 | View |
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1700 Russ Ave, Waynesville, NC 28786 5807 A+5.0 ★Texas Ratio: 3.23% |
Conventional | 4 | 1.3% | 100% | $282,500 | View |
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1 office in Waynesville 339 Russ Ave, Waynesville, NC 28786 A+5.0 ★Texas Ratio: 5.36% |
Conventional, VA | 4 | 1.3% | 66.7% | $292,500 | View |
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★ 1 stars, 1 review 1 office in Waynesville 135 N Main St, Waynesville, NC 28786 A+5.0 ★Texas Ratio: 2.87% |
Conventional, HELOC | 3 +3 HELOCs |
1% | 100% | $238,333 | View |
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1125 ACADEMY ST N, AHOSKIE, NC 27910 A-5.0 ★Texas Ratio: 14.13% |
Conventional, HELOC | 28 +15 HELOCs |
9.2% | 82.4% | $344,642 | View |
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311 Walnut St, Waynesville, NC 28786 A+5.0 ★Texas Ratio: 1.55% |
Conventional | 16 | 5.3% | 100% | $284,375 | View |
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370 N Main St, Waynesville, NC 28786 3874 A+5.0 ★Texas Ratio: 5.00% |
Conventional | 3 | 1% | 100% | $98,333 | View |
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105 S Sandhills Blvd, Aberdeen, NC 28315 A+5.0 ★Texas Ratio: 1.94% |
Conventional | 2 | 0.7% | 100% | $350,000 | View |
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1007 Beaver Creek Commons Dr, Apex, NC 27502 A+5.0 ★Texas Ratio: 3.68% |
Conventional, HELOC | 1 +1 HELOCs |
0.3% | 100% | $125,000 | View |
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8334 Pineville Matthews Rd, Charlotte, NC 28226 A+5.0 ★Texas Ratio: 2.85% |
Conventional | 1 | 0.3% | 100% | $245,000 | View |
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1055 E Dixie Dr, Asheboro, NC 27203 A5.0 ★Texas Ratio: 6.43% |
Conventional | 1 | 0.3% | 100% | $45,000 | View |
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1127 Hendersonville Rd, Asheville, NC 28803 A5.0 ★Texas Ratio: 6.62% |
Conventional, Jumbo | 1 | 0.3% | 50% | $855,000 | View |
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1121 Moncure Place, Apex, NC 27523 A+5.0 ★Texas Ratio: 3.22% |
Conventional | 1 | 0.3% | 100% | $175,000 | View |
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303 S Salem St, Apex, NC 27502 A+5.0 ★Texas Ratio: 1.62% |
Conventional | 1 | 0.3% | 100% | $135,000 | View |
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335 New Leicester Hwy, Asheville, NC 28806 A+5.0 ★Texas Ratio: 3.71% |
Conventional | 1 | 0.3% | 100% | $805,000 | View |
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★ 1.7 stars, 3 reviews 102 Church St E, Ahoskie, NC 27910 A+5.0 ★Texas Ratio: 4.24% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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1118 Academy St N, Ahoskie, NC 27910 F1.0 ★Texas Ratio: 75.00% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Goprime Mortgage, Inc.
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Conventional, FHA | 3 | 1% | 100% | $288,333 | |
American Security Mortgage Cor
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Conventional | 2 | 0.7% | 100% | $310,000 | |
Rocket Mortgage
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Conventional, FHA, VA | 31 | 10.2% | 87.5% | $254,354 | |
DHI Mortgage Company, LTD.
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Conventional, FHA, VA | 20 | 6.6% | 76.9% | $369,500 | |
United Wholesale Mortgage
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Conventional, FHA, VA, Jumbo | 16 | 5.3% | 90% | $370,000 | |
Howard Hanna Financial Services, Inc
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Conventional, FHA, VA | 14 | 4.6% | 100% | $301,428 | |
Vanderbilt Mortgage and Finance, Inc
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Conventional | 6 | 2% | 31.6% | $123,333 | |
Freedom Mortgage Corporation
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FHA, VA | 5 | 1.7% | 100% | $297,000 | |
New American Funding, LLC.
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Conventional, FHA, VA, USDA | 5 | 1.7% | 100% | $187,000 | |
Newrez LLC
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Conventional, FHA | 4 | 1.3% | 100% | $257,500 | |
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A+5.0 ★Texas Ratio: 2.15% |
Conventional, Jumbo | 4 | 1.3% | 100% | $770,000 | View |
Pennymac Loan Services LLC
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FHA, VA | 4 | 1.3% | 80% | $310,000 | |
Cmg Mortgage Inc
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Conventional, FHA, VA | 4 | 1.3% | 80% | $385,000 | |
loanDepot.com LLC
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Conventional, FHA, HELOC | 3 +2 HELOCs |
1% | 75% | $251,666 | |
American Financial Resources LLC
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Conventional, FHA | 3 | 1% | 100% | $421,666 | |
Movement Mortgage, LLC
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Conventional, VA | 3 | 1% | 100% | $348,333 | |
AdvantageFirst Lending Inc
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Conventional, FHA, VA | 3 | 1% | 100% | $265,000 | |
Union Home Mortgage Corp.
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FHA, VA | 3 | 1% | 100% | $371,666 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA | 3 | 1% | 100% | $301,666 | |
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A5.0 ★Texas Ratio: 9.09% |
Conventional, Jumbo | 3 | 1% | 100% | $761,666 | View |
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A+5.0 ★Texas Ratio: 3.36% |
Conventional | 2 | 0.7% | 75% | $205,000 | View |
Nbkc Bank
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Conventional | 2 | 0.7% | 100% | $375,000 | |
CrossCountry Mortgage, LLC
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Conventional, FHA | 2 | 0.7% | 100% | $285,000 | |
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A+5.0 ★Texas Ratio: 4.72% |
Conventional | 2 | 0.7% | 100% | $345,000 | View |
Highlands Residential Mortgage, Ltd.
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Conventional | 2 | 0.7% | 100% | $350,000 | |
New Day Financial, LLC.
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VA | 2 | 0.7% | 33.3% | $165,000 | |
Atlantic Bay Mortgage Group
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Conventional, VA | 2 | 0.7% | 100% | $380,000 | |
Mortgage Research Center
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VA | 2 | 0.7% | 50% | $315,000 | |
Pike Creek Mortgage Services, Inc.
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FHA | 2 | 0.7% | 100% | $460,000 | |
Mortgage Solutions of Colorado
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VA | 2 | 0.7% | 100% | $220,000 | |
Genway Home Mortgage, Inc.
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Conventional, FHA | 2 | 0.7% | 100% | $165,000 | |
Fairway Independent Mort Corp
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Conventional | 2 | 0.7% | 100% | $315,000 | |
The Loan Store, Inc
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Conventional, HELOC | 1 +1 HELOCs |
0.3% | 100% | $245,000 | |
Citadel Federal Credit Union
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Conventional | 1 | 0.3% | 100% | $275,000 | |
American Airlines Federal Cred
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Conventional | 1 | 0.3% | 100% | $665,000 | |
Guaranteed Rate, Inc.
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Conventional | 1 | 0.3% | 100% | $305,000 | |
Atlantic Coast Mortgage, LLC
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Conventional | 1 | 0.3% | 100% | $245,000 | |
Goodleap, LLC
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Conventional | 1 | 0.3% | 100% | $65,000 | |
Lakeview Loan Servicing, LLC
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Conventional | 1 | 0.3% | 50% | $35,000 | |
Canopy Mortgage, LLC
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Conventional | 1 | 0.3% | 100% | $305,000 | |
Equity Prime Mortgage LLC
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VA | 1 | 0.3% | 50% | $395,000 | |
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A+5.0 ★Texas Ratio: 5.29% |
VA | 1 | 0.3% | 100% | $405,000 | View |
Triad Financial Services, Inc.
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Conventional | 1 | 0.3% | 75% | $165,000 | |
Amerisave Mortgage Company
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FHA | 1 | 0.3% | 33.3% | $75,000 | |
American Financial Network, Inc.
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USDA | 1 | 0.3% | 100% | $275,000 | |
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A5.0 ★Texas Ratio: 13.21% |
FHA | 1 | 0.3% | 100% | $255,000 | View |
First State Bank of St Charles
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Conventional | 1 | 0.3% | 100% | $515,000 | |
Success Mortgage Partners, Inc
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FHA | 1 | 0.3% | 100% | $335,000 | |
Discover Bank
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Conventional | 1 | 0.3% | 33.3% | $35,000 | |
New Wave Lending Group Inc
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Conventional | 1 | 0.3% | 100% | $375,000 | |
Nextmortgage, LLC
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Conventional | 1 | 0.3% | 100% | $545,000 | |
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A5.0 ★Texas Ratio: 11.24% |
Conventional | 1 | 0.3% | 100% | $355,000 | View |
Network Capital Funding Corporation
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Conventional | 1 | 0.3% | 100% | $195,000 | |
VanDyk Mortgage Corporation
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Conventional | 1 | 0.3% | 100% | $305,000 | |
American Financing Corporation
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Conventional | 1 | 0.3% | 100% | $255,000 | |
ClearPath Lending
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VA | 1 | 0.3% | 100% | $395,000 | |
Eastman Credit Union
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Conventional, Jumbo | 1 | 0.3% | 100% | $915,000 | |
Real Genius LLC
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Conventional | 1 | 0.3% | 100% | $255,000 | |
Chevron Federal Credit Union
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Conventional | 1 | 0.3% | 100% | $635,000 | |
Nfm, Inc
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FHA | 1 | 0.3% | 100% | $355,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
VA | 1 | 0.3% | 50% | $205,000 | View |
Provident Funding Associates
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Conventional | 1 | 0.3% | 100% | $545,000 | |
Nations Lending Corporation
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Conventional | 1 | 0.3% | 100% | $225,000 | |
Integrity Home Mortgage Corporation
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Conventional | 1 | 0.3% | 100% | $295,000 | |
New Story Lending LLC
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Conventional | 1 | 0.3% | 100% | $285,000 | |
Nationstar Mortgage
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FHA | 1 | 0.3% | 50% | $125,000 | |
Towne Mortgage Company
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Conventional | 1 | 0.3% | 100% | $255,000 | |
Mutual of Omaha Mortgage
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Conventional | 1 | 0.3% | 100% | $765,000 | |
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A-5.0 ★Texas Ratio: 14.97% |
FHA | 1 | 0.3% | 100% | $405,000 | View |
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A+5.0 ★Texas Ratio: 2.14% |
Conventional | 1 | 0.3% | 100% | $445,000 | View |
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B+4.8 ★Texas Ratio: 16.98% |
VA | 1 | 0.3% | 100% | $375,000 | View |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 1 | 0.3% | 100% | $495,000 | View |
Loan Simple, Inc.
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FHA | 1 | 0.3% | 100% | $455,000 | |
Spring Eq, LLC
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Conventional | 1 | 0.3% | 25% | $95,000 | |
Tomo Mortgage LLC
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Conventional | 1 | 0.3% | 100% | $395,000 | |
Figure Lending LLC
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HELOC | 0 +4 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 5.44% |
HELOC | 0 +3 HELOCs |
0% | 0% | View | |
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A+5.0 ★Texas Ratio: 2.32% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
Quorum Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Bank Ozk
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Pentagon Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Lendage, LLC dba Achieve Loans
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HELOC | 0 +1 HELOCs |
0% | n/a |
Waynesville Mortgage Rate Trends
Daily average mortgage rates for North Carolina compared with the national average, updated every evening.
Mortgage Lenders and Mortgage Brokers Near Me in Waynesville, North Carolina
Looking for mortgage lenders near me or mortgage brokers near me in Waynesville? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Waynesville in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Waynesville, NC
Use these to narrow the list above. Each category shows how many Waynesville, NC lenders fit and what that kind of lender is usually best for.
Who Lends in Waynesville, NC
Independent mortgage companies closed 58.7 percent of home loans in Waynesville, North Carolina in 2025, banks 20.5 percent and credit unions 20.8 percent. Goprime Mortgage, Inc. was the largest mortgage company, HomeTrust Bank the largest bank and Mountain Credit Union the largest credit union. Among lenders headquartered in North Carolina, HomeTrust Bank led with 14 loans.
How to Read This List
A high approval share with a small median loan usually points to a lender comfortable with first time and FHA borrowers. A large median loan with conventional and jumbo programs points to a move up and jumbo specialist. The health grade says whether a bank or credit union is financially sound; it says nothing about service, which is what the reviews below are for.
An attorney must handle the closing in North Carolina. State excise (transfer) tax of $1 per $500 of price, customarily paid by the seller, plus an additional 1 percent land transfer tax in seven northeastern counties (Camden, Chowan, Currituck, Dare, Pasquotank, Perquimans, Washington); no mortgage recording tax.
More North Carolina Mortgage Lender Pages
Frequently Asked Questions About Mortgage Lenders in Waynesville, NC
By home loans closed in 2025, HomeTrust Bank was the largest mortgage lender in Waynesville, North Carolina with 14 loans, about 4.6 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
24 lenders closed FHA loans in Waynesville, North Carolina in 2025, led by United Wholesale Mortgage with 7. 22 lenders closed VA loans, led by DHI Mortgage Company, LTD., and 2 closed USDA rural loans. Use the FHA and VA filters above the table to see only those lenders; FHA loans allow 3.5 percent down and lower credit scores, VA loans need no down payment for eligible veterans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Yes. 29 banks and 14 credit unions closed home loans in Waynesville, North Carolina in 2025, alongside 59 independent mortgage companies and brokers. Banks and credit unions carry a MonitorBankRates health grade. Mortgage companies are not deposit institutions, so they have no health grade; their HMDA figures and borrower reviews stand in. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Lenders are ranked only by the number of home loans they closed in Waynesville, North Carolina during 2025 as reported under the federal Home Mortgage Disclosure Act. No lender pays to be listed or to rank higher, and reviews do not change the order. Counts cover first and second lien loans on one to four unit homes for purchase, refinance and home improvement; home equity lines are counted separately.
Methodology and Sources
Lender rankings use the loan level records that lenders file under the Home Mortgage Disclosure Act, published by the FFIEC and the Consumer Financial Protection Bureau for the 2025 reporting year. Counts include originated first and subordinate lien loans on one to four unit homes in Waynesville, North Carolina for purchase, refinance and other purposes; home equity lines of credit are counted separately and reverse mortgages and business purpose loans are excluded. Approval share is originations plus approved but not accepted applications divided by all completed applications (withdrawn and incomplete files are excluded). Lender type comes from the lender's federal regulator and the FFIEC National Information Center. City figures use the Census tracts that make up Waynesville. Health grades are MonitorBankRates data and are current as of the date shown. Lenders below the HMDA reporting thresholds do not appear. MonitorBankRates receives no payment for placement on this page. Last updated October 8, 2026.
