---
canonical_url: https://lendb.ai/s/rural/north-carolina
last_verified: 2026-10-09
---

# 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.

## Ranked, with reasons

1. **[Russell Smith](https://lendb.ai/lo/russell-smith-78989)** (NMLS 78989), ALCOVA Mortgage, Whiteville, NC
   - Lists Rural property on lender page (lender page, verified 2026-10-09)
   - Office in Whiteville, NC
   - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - States 32 years of experience (lender page, 2026-10-09)

## Questions to ask

- 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?

Cite as: LenDb.ai, https://lendb.ai/s/rural/north-carolina.

_Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._