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, we provide a data driven ranking of mortgage lenders in the Elizabeth City, NC area by interest rate and market share. We use data on all fixed rate mortgages that were closed in the past year to generate our rankings. We do not receive any compensation from lenders and strive to provide the most objective and authoritative ranking possible.

Based on our data, the cheapest overall lender in the Elizabeth City, NC area is Us Bank, with a “Rate Rank” of 1 and an average “Rate Difference” of -0.11%. This means that Us Bank provided a -0.11% lower interest rate for its customers than other lenders in Elizabeth City, NC for a similar set of borrowers. Us Bank has a market share of 5.7%. On the other hand, the most popular lender in the market is TowneBank, with a market share of 9.9%. TowneBank is an average rate lender in this area, with a “Rate Difference” of +0.01% relative to those of other lenders.

Our detailed rankings of the mortgage lenders for 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. Nevertheless, to get the lowest rate for your mortgage, we would suggest shopping and negotiating among several of our top ranked lenders for your desired mortgage type and purpose.

Ranking of Mortgage Lenders in Elizabeth City, NC

Mortgage Type:
Purchase/Refinance:
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Us Bank 1, -0.11% 5.69%
Guaranteed Rate Inc 2, -0.09% 2.50%
Truist Bank 3, -0.05% 3.25%
Southern Bank and Trust Company 4, -0.05% 1.69%
First National Bank of Pennsylvania 5, -0.04% 1.46%
Wells Fargo Bank 6, -0.04% 9.26%
New American Funding 7, -0.02% 2.44%
Movement Mortgage 8, -0.02% 6.40%
Citizens Bank 9, -0.02% 3.41%
Caliber Home Loans Inc 10, -0.01% 2.27%
C&F Mortgage Corp 11, -0.01% 2.47%
LoanDepot 12, -0.01% 1.23%
State Employees’ Credit Union 13, -0.01% 2.40%
Tidewater Mortgage Services Inc 14, -0.01% 5.23%
Pennymac Loan Services 15, -0.01% 1.82%
JPMorgan Chase Bank 16, -0.00% 1.10%
Atlantic Bay Mortgage Group 17, 0.00% 4.26%
Pnc Bank 18, 0.00% 1.27%
Usaa Federal Savings Bank 19, 0.01% 2.01%
Cornerstone Home Lending, Inc 20, 0.01% 1.62%
TowneBank 21, 0.01% 9.94%
Towne Mortgage 22, 0.02% 1.72%
Navy Federal Credit Union 23, 0.02% 5.69%
George Mason Mortgage 24, 0.03% 1.30%
Southern Trust Mortgage 25, 0.03% 4.78%
Ovm Financial, Inc 26, 0.06% 2.47%
NVR Mortgage Finance Inc 27, 0.08% 1.30%
Quicken Loans 28, 0.10% 8.61%
Primelending 29, 0.13% 2.37%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Us Bank 1, -0.12% 6.75%
Truist Bank 2, -0.09% 2.82%
Guaranteed Rate Inc 3, -0.09% 2.63%
Southern Bank and Trust Company 4, -0.08% 1.63%
Wells Fargo Bank 5, -0.08% 10.29%
New American Funding 6, -0.02% 2.92%
Movement Mortgage 7, -0.01% 8.14%
JPMorgan Chase Bank 8, -0.00% 0.77%
C&F Mortgage Corp 9, -0.00% 2.11%
Citizens Bank 10, 0.00% 3.49%
Tidewater Mortgage Services Inc 11, 0.00% 6.41%
First National Bank of Pennsylvania 12, 0.01% 0.29%
Pnc Bank 13, 0.01% 0.67%
LoanDepot 14, 0.01% 0.38%
Pennymac Loan Services 15, 0.01% 0.29%
Usaa Federal Savings Bank 16, 0.01% 2.30%
Atlantic Bay Mortgage Group 17, 0.01% 5.03%
Cornerstone Home Lending, Inc 18, 0.02% 1.91%
Caliber Home Loans Inc 19, 0.02% 2.01%
Towne Mortgage 20, 0.02% 2.39%
TowneBank 21, 0.03% 10.10%
George Mason Mortgage 22, 0.03% 1.63%
Southern Trust Mortgage 23, 0.04% 6.46%
Navy Federal Credit Union 24, 0.05% 5.98%
Quicken Loans 25, 0.07% 3.40%
State Employees’ Credit Union 26, 0.07% 1.29%
Ovm Financial, Inc 27, 0.07% 3.16%
NVR Mortgage Finance Inc 28, 0.09% 1.91%
Primelending 29, 0.15% 2.82%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Guaranteed Rate Inc 1, -0.10% 2.23%
Caliber Home Loans Inc 2, -0.07% 2.83%
State Employees’ Credit Union 3, -0.06% 4.76%
First National Bank of Pennsylvania 4, -0.06% 3.95%
Citizens Bank 5, -0.06% 3.24%
Movement Mortgage 6, -0.06% 2.73%
Tidewater Mortgage Services Inc 7, -0.04% 2.73%
Us Bank 8, -0.04% 3.44%
Navy Federal Credit Union 9, -0.04% 5.06%
Atlantic Bay Mortgage Group 10, -0.04% 2.63%
TowneBank 11, -0.03% 9.62%
C&F Mortgage Corp 12, -0.03% 3.24%
Ovm Financial, Inc 13, -0.03% 1.01%
Cornerstone Home Lending, Inc 14, -0.03% 1.01%
LoanDepot 15, -0.03% 3.04%
New American Funding 16, -0.02% 1.42%
Pennymac Loan Services 17, -0.02% 5.06%
Southern Trust Mortgage 18, -0.02% 1.21%
Usaa Federal Savings Bank 19, -0.01% 1.42%
JPMorgan Chase Bank 20, -0.01% 1.82%
Southern Bank and Trust Company 21, -0.01% 1.82%
Pnc Bank 22, -0.01% 2.53%
George Mason Mortgage 23, -0.00% 0.61%
Truist Bank 24, 0.00% 4.15%
Towne Mortgage 25, 0.01% 0.30%
Primelending 26, 0.05% 1.42%
Wells Fargo Bank 27, 0.08% 7.09%
Quicken Loans 28, 0.10% 19.64%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Us Bank 1, -0.14% 5.83%
Guaranteed Rate Inc 2, -0.11% 3.14%
Truist Bank 3, -0.07% 4.38%
Southern Bank and Trust Company 4, -0.06% 2.49%
First National Bank of Pennsylvania 5, -0.05% 2.09%
Wells Fargo Bank 6, -0.05% 11.11%
C&F Mortgage Corp 7, -0.04% 1.99%
Tidewater Mortgage Services Inc 8, -0.04% 2.09%
New American Funding 9, -0.04% 2.84%
Citizens Bank 10, -0.03% 4.23%
LoanDepot 11, -0.02% 1.10%
JPMorgan Chase Bank 12, -0.02% 1.39%
Atlantic Bay Mortgage Group 13, -0.02% 3.29%
State Employees’ Credit Union 14, -0.02% 3.69%
Movement Mortgage 15, -0.01% 6.72%
Towne Mortgage 16, -0.01% 1.10%
Pnc Bank 17, -0.00% 1.69%
Usaa Federal Savings Bank 18, 0.00% 0.85%
Caliber Home Loans Inc 19, 0.00% 1.05%
TowneBank 20, 0.01% 13.05%
George Mason Mortgage 21, 0.01% 1.05%
Cornerstone Home Lending, Inc 22, 0.01% 1.49%
Pennymac Loan Services 23, 0.01% 0.45%
Southern Trust Mortgage 24, 0.03% 4.13%
Ovm Financial, Inc 25, 0.08% 1.05%
Quicken Loans 26, 0.12% 9.81%
NVR Mortgage Finance Inc 27, 0.13% 0.95%
Primelending 28, 0.15% 2.84%
Navy Federal Credit Union 29, 0.21% 4.13%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Us Bank 1, -0.15% 7.32%
Guaranteed Rate Inc 2, -0.11% 3.28%
Truist Bank 3, -0.11% 4.12%
Wells Fargo Bank 4, -0.10% 12.35%
Southern Bank and Trust Company 5, -0.09% 2.52%
C&F Mortgage Corp 6, -0.04% 1.37%
Tidewater Mortgage Services Inc 7, -0.04% 2.67%
JPMorgan Chase Bank 8, -0.03% 0.84%
New American Funding 9, -0.03% 3.66%
LoanDepot 10, -0.02% 0.23%
Pnc Bank 11, -0.00% 0.84%
Citizens Bank 12, -0.00% 4.57%
Towne Mortgage 13, -0.00% 1.45%
First National Bank of Pennsylvania 14, 0.00% 0.46%
Atlantic Bay Mortgage Group 15, 0.00% 3.58%
Movement Mortgage 16, 0.01% 8.77%
Usaa Federal Savings Bank 17, 0.01% 1.14%
George Mason Mortgage 18, 0.02% 1.30%
Pennymac Loan Services 19, 0.02% 0.23%
Caliber Home Loans Inc 20, 0.03% 0.99%
Cornerstone Home Lending, Inc 21, 0.03% 1.83%
TowneBank 22, 0.03% 13.49%
Southern Trust Mortgage 23, 0.04% 5.87%
State Employees’ Credit Union 24, 0.07% 2.06%
Quicken Loans 25, 0.08% 4.19%
Ovm Financial, Inc 26, 0.11% 1.30%
NVR Mortgage Finance Inc 27, 0.13% 1.45%
Primelending 28, 0.18% 3.43%
Navy Federal Credit Union 29, 0.29% 4.73%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Guaranteed Rate Inc 1, -0.11% 2.87%
Citizens Bank 2, -0.08% 3.59%
Movement Mortgage 3, -0.08% 2.87%
Us Bank 4, -0.07% 3.02%
First National Bank of Pennsylvania 5, -0.07% 5.17%
State Employees’ Credit Union 6, -0.07% 6.75%
Atlantic Bay Mortgage Group 7, -0.06% 2.73%
Cornerstone Home Lending, Inc 8, -0.05% 0.86%
TowneBank 9, -0.05% 12.21%
C&F Mortgage Corp 10, -0.05% 3.16%
Caliber Home Loans Inc 11, -0.04% 1.15%
LoanDepot 12, -0.04% 2.73%
New American Funding 13, -0.03% 1.29%
Ovm Financial, Inc 14, -0.03% 0.57%
Tidewater Mortgage Services Inc 15, -0.02% 1.01%
JPMorgan Chase Bank 16, -0.02% 2.44%
Navy Federal Credit Union 17, -0.02% 3.02%
Southern Bank and Trust Company 18, -0.02% 2.44%
Pnc Bank 19, -0.02% 3.30%
George Mason Mortgage 20, -0.01% 0.57%
Southern Trust Mortgage 21, -0.01% 0.86%
Usaa Federal Savings Bank 22, -0.01% 0.29%
Truist Bank 23, -0.00% 4.89%
Towne Mortgage 24, 0.00% 0.43%
Pennymac Loan Services 25, 0.00% 0.86%
Primelending 26, 0.05% 1.72%
Wells Fargo Bank 27, 0.08% 8.76%
Quicken Loans 28, 0.12% 20.40%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Movement Mortgage 1, -0.08% 11.34%
Navy Federal Credit Union 2, -0.04% 2.62%
Tidewater Mortgage Services Inc 3, -0.03% 11.63%
Quicken Loans 4, -0.02% 10.76%
New American Funding 5, -0.02% 1.74%
Atlantic Bay Mortgage Group 6, -0.01% 7.85%
Caliber Home Loans Inc 7, -0.01% 5.52%
Cornerstone Home Lending, Inc 8, -0.00% 4.07%
Guaranteed Rate Inc 9, -0.00% 1.74%
TowneBank 10, -0.00% 7.85%
C&F Mortgage Corp 11, -0.00% 4.07%
Us Bank 12, 0.00% 0.29%
Pennymac Loan Services 13, 0.01% 2.62%
Towne Mortgage 14, 0.01% 2.62%
Citizens Bank 15, 0.03% 0.58%
NVR Mortgage Finance Inc 16, 0.03% 1.74%
LoanDepot 17, 0.04% 1.16%
George Mason Mortgage 18, 0.04% 2.33%
Primelending 19, 0.06% 1.74%
Ovm Financial, Inc 20, 0.07% 8.72%
Wells Fargo Bank 21, 0.08% 1.74%
Southern Trust Mortgage 22, 0.10% 7.27%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Movement Mortgage 1, -0.09% 12.90%
Navy Federal Credit Union 2, -0.05% 2.87%
Tidewater Mortgage Services Inc 3, -0.03% 13.98%
New American Funding 4, -0.03% 1.79%
Atlantic Bay Mortgage Group 5, -0.02% 8.60%
C&F Mortgage Corp 6, -0.01% 4.30%
TowneBank 7, -0.01% 8.24%
Guaranteed Rate Inc 8, -0.01% 1.79%
Caliber Home Loans Inc 9, -0.01% 5.73%
Cornerstone Home Lending, Inc 10, -0.01% 4.66%
Us Bank 11, 0.00% 0.36%
Towne Mortgage 12, 0.01% 3.23%
Quicken Loans 13, 0.02% 3.58%
Citizens Bank 14, 0.03% 0.72%
NVR Mortgage Finance Inc 15, 0.03% 2.15%
LoanDepot 16, 0.04% 0.72%
George Mason Mortgage 17, 0.04% 2.87%
Ovm Financial, Inc 18, 0.07% 10.39%
Wells Fargo Bank 19, 0.08% 1.08%
Primelending 20, 0.08% 1.43%
Southern Trust Mortgage 21, 0.10% 8.60%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Quicken Loans 1, -0.03% 41.54%
Caliber Home Loans Inc 2, -0.01% 4.62%
Movement Mortgage 3, -0.00% 4.62%
Navy Federal Credit Union 4, 0.01% 1.54%
Pennymac Loan Services 5, 0.01% 13.85%
Southern Trust Mortgage 6, 0.01% 1.54%
Guaranteed Rate Inc 7, 0.01% 1.54%
Tidewater Mortgage Services Inc 8, 0.01% 1.54%
Cornerstone Home Lending, Inc 9, 0.01% 1.54%
Primelending 10, 0.02% 3.08%
Atlantic Bay Mortgage Group 11, 0.02% 4.62%
New American Funding 12, 0.03% 1.54%
TowneBank 13, 0.04% 6.15%
Ovm Financial, Inc 14, 0.04% 1.54%
LoanDepot 15, 0.05% 3.08%
C&F Mortgage Corp 16, 0.05% 3.08%
Wells Fargo Bank 17, 0.09% 4.62%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Us Bank 1, -0.04% 35.29%
Wells Fargo Bank 2, -0.01% 18.95%
First National Bank of Pennsylvania 3, 0.01% 1.96%
Citizens Bank 4, 0.01% 10.46%
Truist Bank 5, 0.02% 4.58%
Guaranteed Rate Inc 6, 0.02% 2.61%
Southern Bank and Trust Company 7, 0.03% 1.31%
Towne Mortgage 8, 0.03% 0.65%
Pnc Bank 9, 0.03% 1.96%
Navy Federal Credit Union 10, 0.03% 3.27%
Quicken Loans 11, 0.04% 0.65%
Caliber Home Loans Inc 12, 0.05% 0.65%
TowneBank 13, 0.05% 5.23%
New American Funding 14, 0.05% 1.96%
JPMorgan Chase Bank 15, 0.06% 3.92%
Primelending 16, 0.07% 1.96%
Movement Mortgage 17, 0.09% 4.58%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Us Bank 1, -0.05% 37.27%
Wells Fargo Bank 2, -0.01% 21.82%
Citizens Bank 3, 0.02% 8.18%
Navy Federal Credit Union 4, 0.02% 1.82%
Guaranteed Rate Inc 5, 0.03% 3.64%
Truist Bank 6, 0.03% 2.73%
Southern Bank and Trust Company 7, 0.04% 0.91%
Towne Mortgage 8, 0.04% 0.91%
Caliber Home Loans Inc 9, 0.06% 0.91%
Pnc Bank 10, 0.06% 0.91%
TowneBank 11, 0.07% 5.45%
JPMorgan Chase Bank 12, 0.07% 4.55%
New American Funding 13, 0.08% 1.82%
Primelending 14, 0.08% 2.73%
Movement Mortgage 15, 0.10% 6.36%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
First National Bank of Pennsylvania 1, -0.02% 6.98%
Truist Bank 2, -0.01% 9.30%
Citizens Bank 3, -0.00% 16.28%
New American Funding 4, -0.00% 2.33%
Pnc Bank 5, -0.00% 4.65%
Southern Bank and Trust Company 6, -0.00% 2.33%
JPMorgan Chase Bank 7, 0.00% 2.33%
Us Bank 8, 0.00% 30.23%
TowneBank 9, 0.00% 4.65%
Quicken Loans 10, 0.01% 2.33%
Wells Fargo Bank 11, 0.01% 11.63%
Navy Federal Credit Union 12, 0.02% 6.98%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Navy Federal Credit Union 1, -0.16% 13.64%
Wells Fargo Bank 2, -0.02% 4.72%
Movement Mortgage 3, -0.02% 2.80%
Caliber Home Loans Inc 4, -0.02% 5.07%
Pennymac Loan Services 5, -0.00% 6.64%
LoanDepot 6, 0.00% 2.10%
Guaranteed Rate Inc 7, 0.01% 0.70%
Us Bank 8, 0.01% 0.52%
Southern Trust Mortgage 9, 0.01% 6.82%
Cornerstone Home Lending, Inc 10, 0.01% 1.05%
Usaa Federal Savings Bank 11, 0.02% 7.87%
Truist Bank 12, 0.02% 0.87%
New American Funding 13, 0.02% 1.57%
Tidewater Mortgage Services Inc 14, 0.03% 13.81%
Citizens Bank 15, 0.04% 0.35%
Ovm Financial, Inc 16, 0.04% 4.37%
TowneBank 17, 0.05% 1.57%
C&F Mortgage Corp 18, 0.05% 3.85%
Pnc Bank 19, 0.05% 0.35%
George Mason Mortgage 20, 0.05% 1.92%
Atlantic Bay Mortgage Group 21, 0.05% 6.64%
Towne Mortgage 22, 0.05% 3.67%
Primelending 23, 0.05% 1.22%
NVR Mortgage Finance Inc 24, 0.06% 2.62%
Quicken Loans 25, 0.10% 5.24%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Navy Federal Credit Union 1, -0.21% 13.66%
Movement Mortgage 2, -0.04% 3.09%
Wells Fargo Bank 3, -0.03% 6.70%
Truist Bank 4, 0.00% 0.52%
Pennymac Loan Services 5, 0.00% 0.77%
Guaranteed Rate Inc 6, 0.00% 0.77%
Cornerstone Home Lending, Inc 7, 0.01% 0.77%
Us Bank 8, 0.01% 0.77%
Southern Trust Mortgage 9, 0.02% 8.76%
Usaa Federal Savings Bank 10, 0.02% 8.51%
Quicken Loans 11, 0.03% 1.55%
TowneBank 12, 0.03% 1.29%
LoanDepot 13, 0.03% 0.77%
New American Funding 14, 0.03% 1.55%
Citizens Bank 15, 0.04% 0.52%
Pnc Bank 16, 0.05% 0.52%
Tidewater Mortgage Services Inc 17, 0.05% 15.46%
Ovm Financial, Inc 18, 0.05% 5.15%
Towne Mortgage 19, 0.05% 5.41%
Caliber Home Loans Inc 20, 0.05% 3.09%
Primelending 21, 0.06% 1.80%
Atlantic Bay Mortgage Group 22, 0.06% 8.76%
George Mason Mortgage 23, 0.06% 2.32%
NVR Mortgage Finance Inc 24, 0.06% 3.87%
C&F Mortgage Corp 25, 0.07% 3.61%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Caliber Home Loans Inc 1, -0.07% 9.24%
Navy Federal Credit Union 2, -0.06% 13.59%
Tidewater Mortgage Services Inc 3, -0.03% 10.33%
Ovm Financial, Inc 4, -0.01% 2.72%
LoanDepot 5, -0.01% 4.89%
Southern Trust Mortgage 6, -0.01% 2.72%
Pennymac Loan Services 7, -0.00% 19.02%
New American Funding 8, 0.00% 1.63%
Usaa Federal Savings Bank 9, 0.01% 6.52%
C&F Mortgage Corp 10, 0.01% 4.35%
Movement Mortgage 11, 0.01% 2.17%
Cornerstone Home Lending, Inc 12, 0.02% 1.63%
Atlantic Bay Mortgage Group 13, 0.02% 2.17%
Guaranteed Rate Inc 14, 0.02% 0.54%
George Mason Mortgage 15, 0.02% 1.09%
Truist Bank 16, 0.03% 1.63%
Wells Fargo Bank 17, 0.03% 0.54%
TowneBank 18, 0.06% 2.17%
Quicken Loans 19, 0.11% 13.04%

* 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 for the data comes from 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 based on the MSA, 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 for Other Cities

This page ranks the top mortgage lenders in the Elizabeth City, NC area. For mortgage lender rankings of other cities, click here.