Top Mortgage Lenders in Elizabeth City, NC

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. Unlike our competitors, we maintain independence by not accepting any compensation from the mortgage lenders we rank. We 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, 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

Mortgage Type:
Purchase/Refinance:
Lender NameRate DifferenceRate RatingMarket Share
US Bank-0.10%(4.0)5.88%
Guaranteed Rate-0.09%(4.0)2.60%
Truist Bank-0.05%(4.0)3.38%
Southern Bank and Trust Company-0.05%(4.0)1.76%
First National Bank of Pennsylvania-0.04%(3.5)1.52%
Wells Fargo Bank-0.04%(3.5)9.60%
New American Funding-0.02%(3.5)2.50%
Movement Mortgage-0.02%(3.5)6.63%
Caliber Home Loans-0.01%(3.5)2.33%
C&F Mortgage Corp-0.01%(3.5)2.57%
loanDepot-0.01%(3.5)1.28%
State Employees’ Credit Union-0.01%(3.5)2.50%
Tidewater Mortgage Services-0.01%(3.5)5.44%
PennyMac Loan Services-0.00%(3.5)1.89%
JPMorgan Chase Bank-0.00%(3.5)1.15%
Atlantic Bay Mortgage Group0.00%(3.5)4.43%
PNC Bank0.00%(3.5)1.32%
USAA0.00%(3.5)2.10%
Cornerstone Home Lending0.01%(3.5)1.69%
TowneBank0.01%(3.5)10.34%
Coastal Towne Mortgage0.01%(3.5)1.79%
Navy Federal Credit Union0.02%(3.5)5.85%
George Mason Mortgage0.02%(3.5)1.35%
Southern Trust Mortgage0.03%(3.5)4.97%
OVM Financial0.06%(3.0)2.57%
NVR Mortgage Finance Inc0.08%(3.0)1.32%
Quicken Loans0.10%(3.0)8.79%
PrimeLending0.13%(3.0)2.43%
Lender NameRate DifferenceRate RatingMarket Share
US Bank-0.11%(4.0)6.98%
Truist Bank-0.09%(4.0)2.94%
Guaranteed Rate-0.09%(4.0)2.74%
Southern Bank and Trust Company-0.08%(4.0)1.69%
Wells Fargo Bank-0.08%(4.0)10.66%
New American Funding-0.02%(3.5)2.99%
Movement Mortgage-0.01%(3.5)8.42%
JPMorgan Chase Bank-0.00%(3.5)0.80%
C&F Mortgage Corp-0.00%(3.5)2.19%
Tidewater Mortgage Services0.00%(3.5)6.68%
First National Bank of Pennsylvania0.01%(3.5)0.30%
PNC Bank0.01%(3.5)0.70%
loanDepot0.01%(3.5)0.40%
PennyMac Loan Services0.01%(3.5)0.30%
USAA0.01%(3.5)2.39%
Atlantic Bay Mortgage Group0.01%(3.5)5.23%
Cornerstone Home Lending0.02%(3.5)1.99%
Caliber Home Loans0.02%(3.5)2.04%
Coastal Towne Mortgage0.02%(3.5)2.49%
George Mason Mortgage0.03%(3.5)1.69%
TowneBank0.03%(3.5)10.51%
Southern Trust Mortgage0.04%(3.5)6.73%
Navy Federal Credit Union0.05%(3.5)6.18%
Quicken Loans0.06%(3.0)3.49%
State Employees’ Credit Union0.07%(3.0)1.35%
OVM Financial0.07%(3.0)3.29%
NVR Mortgage Finance Inc0.09%(3.0)1.94%
PrimeLending0.15%(2.5)2.89%
Lender NameRate DifferenceRate RatingMarket Share
Guaranteed Rate-0.10%(4.0)2.31%
Caliber Home Loans-0.07%(4.0)2.94%
State Employees’ Credit Union-0.07%(4.0)4.94%
First National Bank of Pennsylvania-0.06%(4.0)4.10%
Movement Mortgage-0.06%(4.0)2.84%
Tidewater Mortgage Services-0.04%(3.5)2.84%
Navy Federal Credit Union-0.04%(3.5)5.15%
US Bank-0.04%(3.5)3.58%
Atlantic Bay Mortgage Group-0.04%(3.5)2.73%
TowneBank-0.03%(3.5)9.99%
C&F Mortgage Corp-0.03%(3.5)3.36%
OVM Financial-0.03%(3.5)1.05%
Cornerstone Home Lending-0.03%(3.5)1.05%
loanDepot-0.03%(3.5)3.15%
New American Funding-0.02%(3.5)1.47%
PennyMac Loan Services-0.02%(3.5)5.26%
Southern Trust Mortgage-0.02%(3.5)1.26%
USAA-0.02%(3.5)1.47%
JPMorgan Chase Bank-0.01%(3.5)1.89%
Southern Bank and Trust Company-0.01%(3.5)1.89%
PNC Bank-0.01%(3.5)2.63%
George Mason Mortgage-0.01%(3.5)0.63%
Truist Bank-0.00%(3.5)4.31%
Coastal Towne Mortgage0.01%(3.5)0.32%
PrimeLending0.04%(3.5)1.47%
Wells Fargo Bank0.08%(3.0)7.36%
Quicken Loans0.10%(3.0)19.98%
Lender NameRate DifferenceRate RatingMarket Share
US Bank-0.14%(4.0)6.11%
Guaranteed Rate-0.11%(4.0)3.29%
Truist Bank-0.07%(4.0)4.59%
Southern Bank and Trust Company-0.06%(4.0)2.61%
First National Bank of Pennsylvania-0.05%(4.0)2.19%
Wells Fargo Bank-0.05%(4.0)11.59%
C&F Mortgage Corp-0.04%(3.5)2.09%
Tidewater Mortgage Services-0.04%(3.5)2.19%
New American Funding-0.04%(3.5)2.97%
loanDepot-0.02%(3.5)1.15%
JPMorgan Chase Bank-0.02%(3.5)1.46%
Atlantic Bay Mortgage Group-0.02%(3.5)3.44%
State Employees’ Credit Union-0.02%(3.5)3.86%
Movement Mortgage-0.01%(3.5)7.05%
Coastal Towne Mortgage-0.01%(3.5)1.15%
PNC Bank-0.01%(3.5)1.77%
USAA0.00%(3.5)0.89%
Caliber Home Loans0.00%(3.5)1.10%
TowneBank0.01%(3.5)13.67%
George Mason Mortgage0.01%(3.5)1.10%
Cornerstone Home Lending0.01%(3.5)1.57%
PennyMac Loan Services0.01%(3.5)0.47%
Southern Trust Mortgage0.03%(3.5)4.33%
OVM Financial0.08%(3.0)1.10%
Quicken Loans0.12%(3.0)10.13%
NVR Mortgage Finance Inc0.12%(3.0)0.94%
PrimeLending0.15%(3.0)2.92%
Navy Federal Credit Union0.21%(2.5)4.28%
Lender NameRate DifferenceRate RatingMarket Share
US Bank-0.15%(4.0)7.70%
Guaranteed Rate-0.11%(4.0)3.45%
Truist Bank-0.11%(4.0)4.33%
Wells Fargo Bank-0.10%(4.0)12.91%
Southern Bank and Trust Company-0.09%(4.0)2.65%
C&F Mortgage Corp-0.04%(3.5)1.44%
Tidewater Mortgage Services-0.03%(3.5)2.81%
JPMorgan Chase Bank-0.03%(3.5)0.88%
New American Funding-0.03%(3.5)3.85%
loanDepot-0.02%(3.5)0.24%
PNC Bank-0.00%(3.5)0.88%
Coastal Towne Mortgage-0.00%(3.5)1.52%
First National Bank of Pennsylvania0.00%(3.5)0.48%
Atlantic Bay Mortgage Group0.00%(3.5)3.77%
USAA0.01%(3.5)1.20%
Movement Mortgage0.01%(3.5)9.22%
George Mason Mortgage0.02%(3.5)1.36%
PennyMac Loan Services0.02%(3.5)0.24%
Caliber Home Loans0.03%(3.5)1.04%
Cornerstone Home Lending0.03%(3.5)1.92%
TowneBank0.04%(3.5)14.19%
Southern Trust Mortgage0.04%(3.5)6.17%
State Employees’ Credit Union0.07%(3.0)2.17%
Quicken Loans0.07%(3.0)4.33%
OVM Financial0.11%(3.0)1.36%
NVR Mortgage Finance Inc0.13%(3.0)1.44%
PrimeLending0.18%(2.5)3.53%
Navy Federal Credit Union0.29%(2.0)4.89%
Lender NameRate DifferenceRate RatingMarket Share
Guaranteed Rate-0.12%(4.0)2.99%
Movement Mortgage-0.08%(4.0)2.99%
US Bank-0.08%(4.0)3.14%
First National Bank of Pennsylvania-0.08%(4.0)5.38%
State Employees’ Credit Union-0.07%(4.0)7.03%
Atlantic Bay Mortgage Group-0.06%(4.0)2.84%
Cornerstone Home Lending-0.05%(4.0)0.90%
C&F Mortgage Corp-0.05%(3.5)3.29%
TowneBank-0.05%(3.5)12.71%
Caliber Home Loans-0.04%(3.5)1.20%
loanDepot-0.04%(3.5)2.84%
New American Funding-0.04%(3.5)1.35%
OVM Financial-0.04%(3.5)0.60%
Tidewater Mortgage Services-0.02%(3.5)1.05%
JPMorgan Chase Bank-0.02%(3.5)2.54%
Navy Federal Credit Union-0.02%(3.5)3.14%
Southern Bank and Trust Company-0.02%(3.5)2.54%
PNC Bank-0.02%(3.5)3.44%
George Mason Mortgage-0.02%(3.5)0.60%
Southern Trust Mortgage-0.01%(3.5)0.90%
USAA-0.01%(3.5)0.30%
Truist Bank-0.01%(3.5)5.08%
Coastal Towne Mortgage-0.00%(3.5)0.45%
PennyMac Loan Services-0.00%(3.5)0.90%
PrimeLending0.04%(3.5)1.79%
Wells Fargo Bank0.08%(3.0)9.12%
Quicken Loans0.12%(3.0)20.93%
Lender NameRate DifferenceRate RatingMarket Share
Movement Mortgage-0.08%(4.0)11.40%
Navy Federal Credit Union-0.04%(3.5)2.63%
Tidewater Mortgage Services-0.03%(3.5)11.70%
Quicken Loans-0.02%(3.5)10.82%
New American Funding-0.02%(3.5)1.75%
Atlantic Bay Mortgage Group-0.01%(3.5)7.89%
Caliber Home Loans-0.01%(3.5)5.56%
Cornerstone Home Lending-0.00%(3.5)4.09%
Guaranteed Rate-0.00%(3.5)1.75%
TowneBank-0.00%(3.5)7.89%
C&F Mortgage Corp-0.00%(3.5)4.09%
US Bank0.01%(3.5)0.29%
PennyMac Loan Services0.01%(3.5)2.63%
Coastal Towne Mortgage0.01%(3.5)2.63%
NVR Mortgage Finance Inc0.03%(3.5)1.75%
loanDepot0.04%(3.5)1.17%
George Mason Mortgage0.04%(3.5)2.34%
PrimeLending0.06%(3.0)1.75%
OVM Financial0.07%(3.0)8.77%
Wells Fargo Bank0.08%(3.0)1.75%
Southern Trust Mortgage0.10%(3.0)7.31%
Lender NameRate DifferenceRate RatingMarket Share
Movement Mortgage-0.09%(4.0)13.00%
Navy Federal Credit Union-0.05%(3.5)2.89%
Tidewater Mortgage Services-0.03%(3.5)14.08%
New American Funding-0.03%(3.5)1.81%
Atlantic Bay Mortgage Group-0.02%(3.5)8.66%
C&F Mortgage Corp-0.01%(3.5)4.33%
TowneBank-0.01%(3.5)8.30%
Guaranteed Rate-0.01%(3.5)1.81%
Caliber Home Loans-0.01%(3.5)5.78%
Cornerstone Home Lending-0.01%(3.5)4.69%
US Bank0.00%(3.5)0.36%
Coastal Towne Mortgage0.01%(3.5)3.25%
Quicken Loans0.02%(3.5)3.61%
NVR Mortgage Finance Inc0.03%(3.5)2.17%
loanDepot0.04%(3.5)0.72%
George Mason Mortgage0.04%(3.5)2.89%
OVM Financial0.07%(3.0)10.47%
Wells Fargo Bank0.08%(3.0)1.08%
PrimeLending0.08%(3.0)1.44%
Southern Trust Mortgage0.10%(3.0)8.66%
Lender NameRate DifferenceRate RatingMarket Share
Quicken Loans-0.03%(3.5)41.54%
Caliber Home Loans-0.01%(3.5)4.62%
Movement Mortgage-0.00%(3.5)4.62%
Navy Federal Credit Union0.01%(3.5)1.54%
PennyMac Loan Services0.01%(3.5)13.85%
Southern Trust Mortgage0.01%(3.5)1.54%
Guaranteed Rate0.01%(3.5)1.54%
Tidewater Mortgage Services0.01%(3.5)1.54%
Cornerstone Home Lending0.01%(3.5)1.54%
PrimeLending0.02%(3.5)3.08%
Atlantic Bay Mortgage Group0.02%(3.5)4.62%
New American Funding0.03%(3.5)1.54%
TowneBank0.04%(3.5)6.15%
OVM Financial0.04%(3.5)1.54%
loanDepot0.05%(3.5)3.08%
C&F Mortgage Corp0.05%(3.0)3.08%
Wells Fargo Bank0.09%(3.0)4.62%
Lender NameRate DifferenceRate RatingMarket Share
US Bank-0.02%(3.5)40.46%
Wells Fargo Bank-0.02%(3.5)22.14%
First National Bank of Pennsylvania0.00%(3.5)2.29%
Truist Bank0.01%(3.5)5.34%
Guaranteed Rate0.01%(3.5)3.05%
Southern Bank and Trust Company0.02%(3.5)1.53%
Coastal Towne Mortgage0.02%(3.5)0.76%
Navy Federal Credit Union0.02%(3.5)3.05%
PNC Bank0.02%(3.5)2.29%
New American Funding0.03%(3.5)1.53%
TowneBank0.04%(3.5)6.11%
JPMorgan Chase Bank0.05%(3.5)4.58%
Movement Mortgage0.05%(3.0)4.58%
PrimeLending0.06%(3.0)2.29%
Lender NameRate DifferenceRate RatingMarket Share
US Bank-0.03%(3.5)41.24%
Wells Fargo Bank-0.02%(3.5)24.74%
Navy Federal Credit Union0.01%(3.5)2.06%
Guaranteed Rate0.02%(3.5)4.12%
Truist Bank0.02%(3.5)3.09%
Southern Bank and Trust Company0.02%(3.5)1.03%
Coastal Towne Mortgage0.03%(3.5)1.03%
PNC Bank0.04%(3.5)1.03%
TowneBank0.05%(3.0)6.19%
New American Funding0.05%(3.0)1.03%
Movement Mortgage0.06%(3.0)6.19%
JPMorgan Chase Bank0.06%(3.0)5.15%
PrimeLending0.07%(3.0)3.09%
Lender NameRate DifferenceRate RatingMarket Share
First National Bank of Pennsylvania-0.02%(3.5)8.82%
Truist Bank-0.01%(3.5)11.76%
New American Funding-0.00%(3.5)2.94%
PNC Bank-0.00%(3.5)5.88%
Southern Bank and Trust Company-0.00%(3.5)2.94%
JPMorgan Chase Bank-0.00%(3.5)2.94%
TowneBank0.00%(3.5)5.88%
US Bank0.00%(3.5)38.24%
Wells Fargo Bank0.01%(3.5)14.71%
Navy Federal Credit Union0.02%(3.5)5.88%
Lender NameRate DifferenceRate RatingMarket Share
Navy Federal Credit Union-0.16%(4.5)13.71%
Wells Fargo Bank-0.02%(3.5)4.75%
Movement Mortgage-0.02%(3.5)2.81%
Caliber Home Loans-0.01%(3.5)5.10%
loanDepot0.00%(3.5)2.11%
PennyMac Loan Services0.00%(3.5)6.68%
Guaranteed Rate0.01%(3.5)0.70%
US Bank0.01%(3.5)0.53%
Southern Trust Mortgage0.01%(3.5)6.85%
Cornerstone Home Lending0.01%(3.5)1.05%
USAA0.02%(3.5)7.91%
Truist Bank0.02%(3.5)0.88%
New American Funding0.02%(3.5)1.58%
Tidewater Mortgage Services0.03%(3.5)13.88%
OVM Financial0.04%(3.5)4.39%
TowneBank0.05%(3.5)1.58%
C&F Mortgage Corp0.05%(3.5)3.87%
PNC Bank0.05%(3.5)0.35%
George Mason Mortgage0.05%(3.0)1.93%
Atlantic Bay Mortgage Group0.05%(3.0)6.68%
Coastal Towne Mortgage0.05%(3.0)3.69%
PrimeLending0.05%(3.0)1.23%
NVR Mortgage Finance Inc0.06%(3.0)2.64%
Quicken Loans0.10%(3.0)5.10%
Lender NameRate DifferenceRate RatingMarket Share
Navy Federal Credit Union-0.21%(4.5)13.73%
Movement Mortgage-0.04%(3.5)3.11%
Wells Fargo Bank-0.03%(3.5)6.74%
Truist Bank0.00%(3.5)0.52%
PennyMac Loan Services0.00%(3.5)0.78%
Guaranteed Rate0.00%(3.5)0.78%
Cornerstone Home Lending0.01%(3.5)0.78%
US Bank0.01%(3.5)0.78%
Southern Trust Mortgage0.02%(3.5)8.81%
USAA0.02%(3.5)8.55%
Quicken Loans0.03%(3.5)1.55%
TowneBank0.03%(3.5)1.30%
loanDepot0.03%(3.5)0.78%
New American Funding0.03%(3.5)1.55%
PNC Bank0.05%(3.5)0.52%
Tidewater Mortgage Services0.05%(3.5)15.54%
OVM Financial0.05%(3.0)5.18%
Coastal Towne Mortgage0.05%(3.0)5.44%
Caliber Home Loans0.06%(3.0)3.11%
PrimeLending0.06%(3.0)1.81%
Atlantic Bay Mortgage Group0.06%(3.0)8.81%
George Mason Mortgage0.06%(3.0)2.33%
NVR Mortgage Finance Inc0.06%(3.0)3.89%
C&F Mortgage Corp0.07%(3.0)3.63%
Lender NameRate DifferenceRate RatingMarket Share
Caliber Home Loans-0.07%(4.0)9.29%
Navy Federal Credit Union-0.05%(4.0)13.66%
Tidewater Mortgage Services-0.03%(3.5)10.38%
OVM Financial-0.01%(3.5)2.73%
loanDepot-0.01%(3.5)4.92%
Southern Trust Mortgage-0.01%(3.5)2.73%
PennyMac Loan Services-0.00%(3.5)19.13%
New American Funding0.00%(3.5)1.64%
USAA0.00%(3.5)6.56%
C&F Mortgage Corp0.01%(3.5)4.37%
Movement Mortgage0.01%(3.5)2.19%
Cornerstone Home Lending0.02%(3.5)1.64%
Guaranteed Rate0.02%(3.5)0.55%
Atlantic Bay Mortgage Group0.02%(3.5)2.19%
George Mason Mortgage0.02%(3.5)1.09%
Truist Bank0.03%(3.5)1.64%
Wells Fargo Bank0.03%(3.5)0.55%
TowneBank0.06%(3.0)2.19%
Quicken Loans0.11%(3.0)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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