Which mortgage lender in the Elizabeth City, NC area typically has the best rates? To help you narrow down where to shop for a mortgage, MortgageWaldo.com provides an objective and data driven ranking of mortgage lenders operating in the Elizabeth City, NC area by interest rate and market share. We maintain our independence by not accepting any compensation from the mortgage lenders we rank, and use data on all fixed rate mortgages that were closed in the past year to generate our rankings.
Going by historical data, the best mortgage lender in the Elizabeth City, NC area in terms of interest rate is US Bank, with an average “Rate Difference” of -0.10%. This means that, comparing similar borrowers, US Bank provided a -0.10% lower interest rate for its customers than other lenders in the area. US Bank has a market share of 5.9%. On the other hand, the most popular lender in the Elizabeth City, NC area is TowneBank, with a larger market share of 10.3%. TowneBank is an average lender in terms of the interest rate it offers, with a “Rate Difference” of +0.01% compared to those of other lenders in this area.
Our detailed ranking of mortgage lenders in the Elizabeth City, NC area is shown in the table below. In the table, we also give our assessment of whether they are, on average, a cheap/expensive lender through a star rating system. You can choose to tailor our ranking table to a specific mortgage type (Conventional/Jumbo/FHA/VA) and purpose (purchase/refinance) through the drop-down menu. For example, going by historical data, US Bank is the cheapest mortgage provider for Conventional and Jumbo mortgages in Elizabeth City, NC. If on the other hand, you want lower down payment or credit score requirements, the cheapest FHA mortgage provider is Movement Mortgage. The cheapest VA mortgage provider is Navy Federal Credit Union. Note that as a consumer advocate we always recommend shopping among several of our top ranked lenders in order to get the best rates and fees.
Ranking of Mortgage Lenders in Elizabeth City, NC
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| US Bank | -0.10% | 5.88% | |
| Guaranteed Rate | -0.09% | 2.60% | |
| Truist Bank | -0.05% | 3.38% | |
| Southern Bank and Trust Company | -0.05% | 1.76% | |
| First National Bank of Pennsylvania | -0.04% | 1.52% | |
| Wells Fargo Bank | -0.04% | 9.60% | |
| New American Funding | -0.02% | 2.50% | |
| Movement Mortgage | -0.02% | 6.63% | |
| Caliber Home Loans | -0.01% | 2.33% | |
| C&F Mortgage Corp | -0.01% | 2.57% | |
| loanDepot | -0.01% | 1.28% | |
| State Employees’ Credit Union | -0.01% | 2.50% | |
| Tidewater Mortgage Services | -0.01% | 5.44% | |
| PennyMac Loan Services | -0.00% | 1.89% | |
| JPMorgan Chase Bank | -0.00% | 1.15% | |
| Atlantic Bay Mortgage Group | 0.00% | 4.43% | |
| PNC Bank | 0.00% | 1.32% | |
| USAA | 0.00% | 2.10% | |
| Cornerstone Home Lending | 0.01% | 1.69% | |
| TowneBank | 0.01% | 10.34% | |
| Coastal Towne Mortgage | 0.01% | 1.79% | |
| Navy Federal Credit Union | 0.02% | 5.85% | |
| George Mason Mortgage | 0.02% | 1.35% | |
| Southern Trust Mortgage | 0.03% | 4.97% | |
| OVM Financial | 0.06% | 2.57% | |
| NVR Mortgage Finance Inc | 0.08% | 1.32% | |
| Quicken Loans | 0.10% | 8.79% | |
| PrimeLending | 0.13% | 2.43% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| US Bank | -0.11% | 6.98% | |
| Truist Bank | -0.09% | 2.94% | |
| Guaranteed Rate | -0.09% | 2.74% | |
| Southern Bank and Trust Company | -0.08% | 1.69% | |
| Wells Fargo Bank | -0.08% | 10.66% | |
| New American Funding | -0.02% | 2.99% | |
| Movement Mortgage | -0.01% | 8.42% | |
| JPMorgan Chase Bank | -0.00% | 0.80% | |
| C&F Mortgage Corp | -0.00% | 2.19% | |
| Tidewater Mortgage Services | 0.00% | 6.68% | |
| First National Bank of Pennsylvania | 0.01% | 0.30% | |
| PNC Bank | 0.01% | 0.70% | |
| loanDepot | 0.01% | 0.40% | |
| PennyMac Loan Services | 0.01% | 0.30% | |
| USAA | 0.01% | 2.39% | |
| Atlantic Bay Mortgage Group | 0.01% | 5.23% | |
| Cornerstone Home Lending | 0.02% | 1.99% | |
| Caliber Home Loans | 0.02% | 2.04% | |
| Coastal Towne Mortgage | 0.02% | 2.49% | |
| George Mason Mortgage | 0.03% | 1.69% | |
| TowneBank | 0.03% | 10.51% | |
| Southern Trust Mortgage | 0.04% | 6.73% | |
| Navy Federal Credit Union | 0.05% | 6.18% | |
| Quicken Loans | 0.06% | 3.49% | |
| State Employees’ Credit Union | 0.07% | 1.35% | |
| OVM Financial | 0.07% | 3.29% | |
| NVR Mortgage Finance Inc | 0.09% | 1.94% | |
| PrimeLending | 0.15% | 2.89% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Guaranteed Rate | -0.10% | 2.31% | |
| Caliber Home Loans | -0.07% | 2.94% | |
| State Employees’ Credit Union | -0.07% | 4.94% | |
| First National Bank of Pennsylvania | -0.06% | 4.10% | |
| Movement Mortgage | -0.06% | 2.84% | |
| Tidewater Mortgage Services | -0.04% | 2.84% | |
| Navy Federal Credit Union | -0.04% | 5.15% | |
| US Bank | -0.04% | 3.58% | |
| Atlantic Bay Mortgage Group | -0.04% | 2.73% | |
| TowneBank | -0.03% | 9.99% | |
| C&F Mortgage Corp | -0.03% | 3.36% | |
| OVM Financial | -0.03% | 1.05% | |
| Cornerstone Home Lending | -0.03% | 1.05% | |
| loanDepot | -0.03% | 3.15% | |
| New American Funding | -0.02% | 1.47% | |
| PennyMac Loan Services | -0.02% | 5.26% | |
| Southern Trust Mortgage | -0.02% | 1.26% | |
| USAA | -0.02% | 1.47% | |
| JPMorgan Chase Bank | -0.01% | 1.89% | |
| Southern Bank and Trust Company | -0.01% | 1.89% | |
| PNC Bank | -0.01% | 2.63% | |
| George Mason Mortgage | -0.01% | 0.63% | |
| Truist Bank | -0.00% | 4.31% | |
| Coastal Towne Mortgage | 0.01% | 0.32% | |
| PrimeLending | 0.04% | 1.47% | |
| Wells Fargo Bank | 0.08% | 7.36% | |
| Quicken Loans | 0.10% | 19.98% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| US Bank | -0.14% | 6.11% | |
| Guaranteed Rate | -0.11% | 3.29% | |
| Truist Bank | -0.07% | 4.59% | |
| Southern Bank and Trust Company | -0.06% | 2.61% | |
| First National Bank of Pennsylvania | -0.05% | 2.19% | |
| Wells Fargo Bank | -0.05% | 11.59% | |
| C&F Mortgage Corp | -0.04% | 2.09% | |
| Tidewater Mortgage Services | -0.04% | 2.19% | |
| New American Funding | -0.04% | 2.97% | |
| loanDepot | -0.02% | 1.15% | |
| JPMorgan Chase Bank | -0.02% | 1.46% | |
| Atlantic Bay Mortgage Group | -0.02% | 3.44% | |
| State Employees’ Credit Union | -0.02% | 3.86% | |
| Movement Mortgage | -0.01% | 7.05% | |
| Coastal Towne Mortgage | -0.01% | 1.15% | |
| PNC Bank | -0.01% | 1.77% | |
| USAA | 0.00% | 0.89% | |
| Caliber Home Loans | 0.00% | 1.10% | |
| TowneBank | 0.01% | 13.67% | |
| George Mason Mortgage | 0.01% | 1.10% | |
| Cornerstone Home Lending | 0.01% | 1.57% | |
| PennyMac Loan Services | 0.01% | 0.47% | |
| Southern Trust Mortgage | 0.03% | 4.33% | |
| OVM Financial | 0.08% | 1.10% | |
| Quicken Loans | 0.12% | 10.13% | |
| NVR Mortgage Finance Inc | 0.12% | 0.94% | |
| PrimeLending | 0.15% | 2.92% | |
| Navy Federal Credit Union | 0.21% | 4.28% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| US Bank | -0.15% | 7.70% | |
| Guaranteed Rate | -0.11% | 3.45% | |
| Truist Bank | -0.11% | 4.33% | |
| Wells Fargo Bank | -0.10% | 12.91% | |
| Southern Bank and Trust Company | -0.09% | 2.65% | |
| C&F Mortgage Corp | -0.04% | 1.44% | |
| Tidewater Mortgage Services | -0.03% | 2.81% | |
| JPMorgan Chase Bank | -0.03% | 0.88% | |
| New American Funding | -0.03% | 3.85% | |
| loanDepot | -0.02% | 0.24% | |
| PNC Bank | -0.00% | 0.88% | |
| Coastal Towne Mortgage | -0.00% | 1.52% | |
| First National Bank of Pennsylvania | 0.00% | 0.48% | |
| Atlantic Bay Mortgage Group | 0.00% | 3.77% | |
| USAA | 0.01% | 1.20% | |
| Movement Mortgage | 0.01% | 9.22% | |
| George Mason Mortgage | 0.02% | 1.36% | |
| PennyMac Loan Services | 0.02% | 0.24% | |
| Caliber Home Loans | 0.03% | 1.04% | |
| Cornerstone Home Lending | 0.03% | 1.92% | |
| TowneBank | 0.04% | 14.19% | |
| Southern Trust Mortgage | 0.04% | 6.17% | |
| State Employees’ Credit Union | 0.07% | 2.17% | |
| Quicken Loans | 0.07% | 4.33% | |
| OVM Financial | 0.11% | 1.36% | |
| NVR Mortgage Finance Inc | 0.13% | 1.44% | |
| PrimeLending | 0.18% | 3.53% | |
| Navy Federal Credit Union | 0.29% | 4.89% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Guaranteed Rate | -0.12% | 2.99% | |
| Movement Mortgage | -0.08% | 2.99% | |
| US Bank | -0.08% | 3.14% | |
| First National Bank of Pennsylvania | -0.08% | 5.38% | |
| State Employees’ Credit Union | -0.07% | 7.03% | |
| Atlantic Bay Mortgage Group | -0.06% | 2.84% | |
| Cornerstone Home Lending | -0.05% | 0.90% | |
| C&F Mortgage Corp | -0.05% | 3.29% | |
| TowneBank | -0.05% | 12.71% | |
| Caliber Home Loans | -0.04% | 1.20% | |
| loanDepot | -0.04% | 2.84% | |
| New American Funding | -0.04% | 1.35% | |
| OVM Financial | -0.04% | 0.60% | |
| Tidewater Mortgage Services | -0.02% | 1.05% | |
| JPMorgan Chase Bank | -0.02% | 2.54% | |
| Navy Federal Credit Union | -0.02% | 3.14% | |
| Southern Bank and Trust Company | -0.02% | 2.54% | |
| PNC Bank | -0.02% | 3.44% | |
| George Mason Mortgage | -0.02% | 0.60% | |
| Southern Trust Mortgage | -0.01% | 0.90% | |
| USAA | -0.01% | 0.30% | |
| Truist Bank | -0.01% | 5.08% | |
| Coastal Towne Mortgage | -0.00% | 0.45% | |
| PennyMac Loan Services | -0.00% | 0.90% | |
| PrimeLending | 0.04% | 1.79% | |
| Wells Fargo Bank | 0.08% | 9.12% | |
| Quicken Loans | 0.12% | 20.93% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Movement Mortgage | -0.08% | 11.40% | |
| Navy Federal Credit Union | -0.04% | 2.63% | |
| Tidewater Mortgage Services | -0.03% | 11.70% | |
| Quicken Loans | -0.02% | 10.82% | |
| New American Funding | -0.02% | 1.75% | |
| Atlantic Bay Mortgage Group | -0.01% | 7.89% | |
| Caliber Home Loans | -0.01% | 5.56% | |
| Cornerstone Home Lending | -0.00% | 4.09% | |
| Guaranteed Rate | -0.00% | 1.75% | |
| TowneBank | -0.00% | 7.89% | |
| C&F Mortgage Corp | -0.00% | 4.09% | |
| US Bank | 0.01% | 0.29% | |
| PennyMac Loan Services | 0.01% | 2.63% | |
| Coastal Towne Mortgage | 0.01% | 2.63% | |
| NVR Mortgage Finance Inc | 0.03% | 1.75% | |
| loanDepot | 0.04% | 1.17% | |
| George Mason Mortgage | 0.04% | 2.34% | |
| PrimeLending | 0.06% | 1.75% | |
| OVM Financial | 0.07% | 8.77% | |
| Wells Fargo Bank | 0.08% | 1.75% | |
| Southern Trust Mortgage | 0.10% | 7.31% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Movement Mortgage | -0.09% | 13.00% | |
| Navy Federal Credit Union | -0.05% | 2.89% | |
| Tidewater Mortgage Services | -0.03% | 14.08% | |
| New American Funding | -0.03% | 1.81% | |
| Atlantic Bay Mortgage Group | -0.02% | 8.66% | |
| C&F Mortgage Corp | -0.01% | 4.33% | |
| TowneBank | -0.01% | 8.30% | |
| Guaranteed Rate | -0.01% | 1.81% | |
| Caliber Home Loans | -0.01% | 5.78% | |
| Cornerstone Home Lending | -0.01% | 4.69% | |
| US Bank | 0.00% | 0.36% | |
| Coastal Towne Mortgage | 0.01% | 3.25% | |
| Quicken Loans | 0.02% | 3.61% | |
| NVR Mortgage Finance Inc | 0.03% | 2.17% | |
| loanDepot | 0.04% | 0.72% | |
| George Mason Mortgage | 0.04% | 2.89% | |
| OVM Financial | 0.07% | 10.47% | |
| Wells Fargo Bank | 0.08% | 1.08% | |
| PrimeLending | 0.08% | 1.44% | |
| Southern Trust Mortgage | 0.10% | 8.66% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Quicken Loans | -0.03% | 41.54% | |
| Caliber Home Loans | -0.01% | 4.62% | |
| Movement Mortgage | -0.00% | 4.62% | |
| Navy Federal Credit Union | 0.01% | 1.54% | |
| PennyMac Loan Services | 0.01% | 13.85% | |
| Southern Trust Mortgage | 0.01% | 1.54% | |
| Guaranteed Rate | 0.01% | 1.54% | |
| Tidewater Mortgage Services | 0.01% | 1.54% | |
| Cornerstone Home Lending | 0.01% | 1.54% | |
| PrimeLending | 0.02% | 3.08% | |
| Atlantic Bay Mortgage Group | 0.02% | 4.62% | |
| New American Funding | 0.03% | 1.54% | |
| TowneBank | 0.04% | 6.15% | |
| OVM Financial | 0.04% | 1.54% | |
| loanDepot | 0.05% | 3.08% | |
| C&F Mortgage Corp | 0.05% | 3.08% | |
| Wells Fargo Bank | 0.09% | 4.62% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| US Bank | -0.02% | 40.46% | |
| Wells Fargo Bank | -0.02% | 22.14% | |
| First National Bank of Pennsylvania | 0.00% | 2.29% | |
| Truist Bank | 0.01% | 5.34% | |
| Guaranteed Rate | 0.01% | 3.05% | |
| Southern Bank and Trust Company | 0.02% | 1.53% | |
| Coastal Towne Mortgage | 0.02% | 0.76% | |
| Navy Federal Credit Union | 0.02% | 3.05% | |
| PNC Bank | 0.02% | 2.29% | |
| New American Funding | 0.03% | 1.53% | |
| TowneBank | 0.04% | 6.11% | |
| JPMorgan Chase Bank | 0.05% | 4.58% | |
| Movement Mortgage | 0.05% | 4.58% | |
| PrimeLending | 0.06% | 2.29% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| US Bank | -0.03% | 41.24% | |
| Wells Fargo Bank | -0.02% | 24.74% | |
| Navy Federal Credit Union | 0.01% | 2.06% | |
| Guaranteed Rate | 0.02% | 4.12% | |
| Truist Bank | 0.02% | 3.09% | |
| Southern Bank and Trust Company | 0.02% | 1.03% | |
| Coastal Towne Mortgage | 0.03% | 1.03% | |
| PNC Bank | 0.04% | 1.03% | |
| TowneBank | 0.05% | 6.19% | |
| New American Funding | 0.05% | 1.03% | |
| Movement Mortgage | 0.06% | 6.19% | |
| JPMorgan Chase Bank | 0.06% | 5.15% | |
| PrimeLending | 0.07% | 3.09% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| First National Bank of Pennsylvania | -0.02% | 8.82% | |
| Truist Bank | -0.01% | 11.76% | |
| New American Funding | -0.00% | 2.94% | |
| PNC Bank | -0.00% | 5.88% | |
| Southern Bank and Trust Company | -0.00% | 2.94% | |
| JPMorgan Chase Bank | -0.00% | 2.94% | |
| TowneBank | 0.00% | 5.88% | |
| US Bank | 0.00% | 38.24% | |
| Wells Fargo Bank | 0.01% | 14.71% | |
| Navy Federal Credit Union | 0.02% | 5.88% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Navy Federal Credit Union | -0.16% | 13.71% | |
| Wells Fargo Bank | -0.02% | 4.75% | |
| Movement Mortgage | -0.02% | 2.81% | |
| Caliber Home Loans | -0.01% | 5.10% | |
| loanDepot | 0.00% | 2.11% | |
| PennyMac Loan Services | 0.00% | 6.68% | |
| Guaranteed Rate | 0.01% | 0.70% | |
| US Bank | 0.01% | 0.53% | |
| Southern Trust Mortgage | 0.01% | 6.85% | |
| Cornerstone Home Lending | 0.01% | 1.05% | |
| USAA | 0.02% | 7.91% | |
| Truist Bank | 0.02% | 0.88% | |
| New American Funding | 0.02% | 1.58% | |
| Tidewater Mortgage Services | 0.03% | 13.88% | |
| OVM Financial | 0.04% | 4.39% | |
| TowneBank | 0.05% | 1.58% | |
| C&F Mortgage Corp | 0.05% | 3.87% | |
| PNC Bank | 0.05% | 0.35% | |
| George Mason Mortgage | 0.05% | 1.93% | |
| Atlantic Bay Mortgage Group | 0.05% | 6.68% | |
| Coastal Towne Mortgage | 0.05% | 3.69% | |
| PrimeLending | 0.05% | 1.23% | |
| NVR Mortgage Finance Inc | 0.06% | 2.64% | |
| Quicken Loans | 0.10% | 5.10% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Navy Federal Credit Union | -0.21% | 13.73% | |
| Movement Mortgage | -0.04% | 3.11% | |
| Wells Fargo Bank | -0.03% | 6.74% | |
| Truist Bank | 0.00% | 0.52% | |
| PennyMac Loan Services | 0.00% | 0.78% | |
| Guaranteed Rate | 0.00% | 0.78% | |
| Cornerstone Home Lending | 0.01% | 0.78% | |
| US Bank | 0.01% | 0.78% | |
| Southern Trust Mortgage | 0.02% | 8.81% | |
| USAA | 0.02% | 8.55% | |
| Quicken Loans | 0.03% | 1.55% | |
| TowneBank | 0.03% | 1.30% | |
| loanDepot | 0.03% | 0.78% | |
| New American Funding | 0.03% | 1.55% | |
| PNC Bank | 0.05% | 0.52% | |
| Tidewater Mortgage Services | 0.05% | 15.54% | |
| OVM Financial | 0.05% | 5.18% | |
| Coastal Towne Mortgage | 0.05% | 5.44% | |
| Caliber Home Loans | 0.06% | 3.11% | |
| PrimeLending | 0.06% | 1.81% | |
| Atlantic Bay Mortgage Group | 0.06% | 8.81% | |
| George Mason Mortgage | 0.06% | 2.33% | |
| NVR Mortgage Finance Inc | 0.06% | 3.89% | |
| C&F Mortgage Corp | 0.07% | 3.63% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Caliber Home Loans | -0.07% | 9.29% | |
| Navy Federal Credit Union | -0.05% | 13.66% | |
| Tidewater Mortgage Services | -0.03% | 10.38% | |
| OVM Financial | -0.01% | 2.73% | |
| loanDepot | -0.01% | 4.92% | |
| Southern Trust Mortgage | -0.01% | 2.73% | |
| PennyMac Loan Services | -0.00% | 19.13% | |
| New American Funding | 0.00% | 1.64% | |
| USAA | 0.00% | 6.56% | |
| C&F Mortgage Corp | 0.01% | 4.37% | |
| Movement Mortgage | 0.01% | 2.19% | |
| Cornerstone Home Lending | 0.02% | 1.64% | |
| Guaranteed Rate | 0.02% | 0.55% | |
| Atlantic Bay Mortgage Group | 0.02% | 2.19% | |
| George Mason Mortgage | 0.02% | 1.09% | |
| Truist Bank | 0.03% | 1.64% | |
| Wells Fargo Bank | 0.03% | 0.55% | |
| TowneBank | 0.06% | 2.19% | |
| Quicken Loans | 0.11% | 12.57% |
* Data is compiled for the Elizabeth City, NC commuting zone area, which comprises of counties of Camden County, NC, Chowan County, NC, Currituck County, NC, Dare County, NC, Pasquotank County, NC, and Perquimans County, NC. This includes cities/towns/communities of Elizabeth City, NC as well as Kill Devil Hills, NC, Moyock, NC, Southern Shores, NC, Buxton, NC, Nags Head, NC, Coinjock, NC, Edenton, NC, South Mills, NC, Manteo, NC, Kitty Hawk, NC, Hertford, NC, Camden, NC, Winfall, NC, Wanchese, NC, and Manns Harbor, NC. Lenders must have made at least 30 loans in the area to be included. Source of the data is Federal Financial Institutions Examination Council (FFIEC). Rate Difference (the average difference of interest rates relative to those of other lenders) were computed by subtracting the rate at origination from the average predicted rate conditional on the commuting zone, borrower LTV, DTI, Loan Amount, Loan Type, and Loan Purpose, and then regularized based on a Bayesian approach to account for smaller sample sizes. Above-average mortgage closing costs were then added to the rate difference at a rate of +0.15/point. Star ratings were determined in intervals of 0.10% in rate difference per half star.
Mortgage Lender Rankings in Other Cities
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