Property types · North Carolina
Rural property loan officers in North Carolina
As of 2026-10-09, LenDb lists 1 loan officer licensed in or based in North Carolina whose lender pages show Rural property work. The top-ranked is Russell Smith (ALCOVA Mortgage, Whiteville). Ranking is lender-neutral: specialty evidence first, then a license in NC, branch location, experience and profile completeness. Nobody pays for placement.
Last verified . Sources: lender loan officer pages and state license records. Licenses: check NMLS Consumer Access.
Ranked, with reasons · top 1
- 1
Russell SmithNMLS 78989
ALCOVA Mortgage · Whiteville, NC · licensed in 3 states
- Rural property
- Construction loan
- DSCR loan
- NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)
- Lists Rural property on lender page (lender page, verified 2026-10-09)
- Office in Whiteville, NC
- States 32 years of experience (lender page, 2026-10-09)
Before you choose
Appraisals lack comparable sales, and acreage limits, outbuildings and water or septic inspections can derail approval.
- What is your maximum acreage, and how do you treat outbuildings?
- Do you have appraisers who know rural properties in this county?
- Does this location qualify for USDA financing?
How this list is ranked
Specialty evidence carries the most weight (production data, then lender page, then self-reported). Loan officers are listed when a NC license is confirmed with the state regulator (check mark), NC is listed on their lender page, or they work at a bank or credit union (likely federally registered; verify at NMLS). Then branch location, experience (licensed since, per the regulator records we hold) and profile completeness. Disciplinary history is not yet checked by LenDb; verify at NMLS Consumer Access. No paid placement. Methodology.
Same list as JSON: /api/v1/loan-officers?specialty=rural&state=NC. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.