Mortgage Lenders and Brokers in Elizabeth City, North Carolina
Brian McKay
|
iEditorial Disclosure
Editorial DisclosureLender lists come from federal HMDA loan data. Average rates come from our daily monitoring network. Editorial content is independent of any advertiser relationships.
|
✓Fact Checked
|
Loan Rates Last Updated and Verified: October 7, 2026
Elizabeth City, North Carolina mortgage lenders include Truist BankTruist Bank1000 W Ehringhaus St, Elizabeth City, NC 27909A+5.0 ★Texas Ratio: 2.87%, Southern Bank and Trust CompanySouthern Bank and Trust Company1875 W City Dr, Elizabeth City, NC 27909A+5.0 ★Texas Ratio: 1.13%, Wells Fargo Bank NAWells Fargo Bank NA1401 W Ehringhaus St, Elizabeth City, NC 27909A+5.0 ★Texas Ratio: 5.36%, Atlantic Union BankAtlantic Union Bank1145 N Road St, Elizabeth City, NC 27909A+5.0 ★Texas Ratio: 2.51%, PNC Bank N.A.PNC Bank N.A.1407 W Ehringhaus St, Elizabeth City, NC 27909A+5.0 ★Texas Ratio: 4.24%, First BankFirst Bank416 S Hughes Blvd, Elizabeth City, NC 27909A+5.0 ★Texas Ratio: 1.94%, First Ciitizens Bank and TrustFirst Ciitizens Bank and Trust854 Halstead Blvd, Elizabeth City, NC 27909A5.0 ★Texas Ratio: 7.72%, State Employees' Credit UnionState Employees' Credit Union105 NORTHSIDE PARK, ELIZABETH CITY, NC 27909A-5.0 ★Texas Ratio: 14.13%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA1007 Beaver Creek Commons Dr, Apex, NC 27502A+5.0 ★Texas Ratio: 3.68%, and First National Bank of PAFirst National Bank of PA303 S Salem St, Apex, NC 27502A+5.0 ★Texas Ratio: 1.62%. Banks, credit unions and mortgage companies are listed together, with FHA, VA and local options flagged for quick comparison.
Lenders are ranked only by the number of home loans they closed in Elizabeth City, North Carolina in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Elizabeth City are listed first, then lenders elsewhere in North Carolina, then lenders from other states that closed loans there. Banks and credit unions carry a MonitorBankRates health grade, star rating and Texas Ratio, so you can judge how financially sound they are. Mortgage companies have no deposits to rate, so compare their loan programs, median loan and borrower reviews instead. Compare at least three lenders and ask each for a written loan estimate before you choose.
Mortgage Lenders and Brokers in Elizabeth City, North Carolina
Market share is the lender's share of all home loans closed in Elizabeth City, North Carolina. Approval share is approvals divided by completed applications. Grade is the MonitorBankRates Health and Safety Grade, available for banks and credit unions only. Average loan is the lender's mean loan amount here.
| Lender | Programs | Loans closed | Market share | Approval share | Average loan | View |
|---|---|---|---|---|---|---|
|
★ 1 stars, 1 review 1 office in Elizabeth City 1000 W Ehringhaus St, Elizabeth City, NC 27909 A+5.0 ★Texas Ratio: 2.87% |
Conventional, VA, HELOC | 9 +19 HELOCs |
1.1% | 100% | $203,888 | View |
|
1 office in Elizabeth City 1875 W City Dr, Elizabeth City, NC 27909 A+5.0 ★Texas Ratio: 1.13% |
Conventional, HELOC | 7 +9 HELOCs |
0.8% | 100% | $327,857 | View |
|
2 offices in Elizabeth City 1401 W Ehringhaus St, Elizabeth City, NC 27909 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 7 | 0.8% | 87.5% | $152,142 | View |
|
1 office in Elizabeth City 1145 N Road St, Elizabeth City, NC 27909 A+5.0 ★Texas Ratio: 2.51% |
Conventional, HELOC | 3 +9 HELOCs |
0.4% | 100% | $331,666 | View |
|
★ 1.7 stars, 3 reviews 1 office in Elizabeth City 1407 W Ehringhaus St, Elizabeth City, NC 27909 A+5.0 ★Texas Ratio: 4.24% |
HELOC | 0 +5 HELOCs |
0% | n/a | View | |
|
1 office in Elizabeth City 416 S Hughes Blvd, Elizabeth City, NC 27909 A+5.0 ★Texas Ratio: 1.94% |
HELOC | 0 +4 HELOCs |
0% | n/a | View | |
|
1 office in Elizabeth City 854 Halstead Blvd, Elizabeth City, NC 27909 A5.0 ★Texas Ratio: 7.72% |
HELOC | 0 +3 HELOCs |
0% | n/a | View | |
|
105 NORTHSIDE PARK, ELIZABETH CITY, NC 27909 A-5.0 ★Texas Ratio: 14.13% |
Conventional, HELOC | 22 +34 HELOCs |
2.6% | 81.5% | $215,909 | View |
|
1007 Beaver Creek Commons Dr, Apex, NC 27502 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 9 | 1.1% | 90% | $190,555 | View |
|
303 S Salem St, Apex, NC 27502 A+5.0 ★Texas Ratio: 1.62% |
Conventional, HELOC | 2 +1 HELOCs |
0.2% | 50% | $320,000 | View |
|
1121 Moncure Place, Apex, NC 27523 A+5.0 ★Texas Ratio: 3.22% |
Conventional | 2 | 0.2% | 100% | $155,000 | View |
|
1045 Providence Rd, Charlotte, NC 28207 A+5.0 ★Texas Ratio: 4.37% |
Conventional, HELOC | 1 +1 HELOCs |
0.1% | 50% | $245,000 | View |
|
800 Highway 24 27 Bypass, Albemarle, NC 28001 A+5.0 ★Texas Ratio: 0.72% |
Conventional | 1 | 0.1% | 100% | $135,000 | View |
|
★ 5 stars, 1 review 192 E Woodrow Ave, Belmont, NC 28012 A+5.0 ★Texas Ratio: 2.27% |
VA | 1 | 0.1% | 100% | $365,000 | View |
|
8334 Pineville Matthews Rd, Charlotte, NC 28226 A+5.0 ★Texas Ratio: 2.85% |
HELOC | 0 +1 HELOCs |
0% | 0% | View | |
|
5496 Apex Peakway, Apex, NC 27502 A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
|
1118 Academy St N, Ahoskie, NC 27910 F1.0 ★Texas Ratio: 75.00% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
AAFMAA Mortgage Services LLC
|
Conventional, FHA, VA | 7 | 0.8% | 100% | $286,428 | |
Goprime Mortgage, Inc.
|
FHA, VA | 4 | 0.5% | 100% | $275,000 | |
AgCarolina Farm Credit, ACA
|
Conventional | 1 | 0.1% | 100% | $415,000 | |
Cardinal Financial Company, Li
|
VA | 1 | 0.1% | 100% | $325,000 | |
Nvr Mortgage Finance, Inc.
|
Conventional, FHA, VA, USDA | 109 | 12.9% | 68.1% | $269,036 | |
Rocket Mortgage
|
Conventional, FHA, VA | 64 | 7.6% | 84.7% | $189,531 | |
Mortgage Research Center
|
Conventional, FHA, VA | 64 | 7.6% | 85.5% | $327,031 | |
United Wholesale Mortgage
|
Conventional, FHA, VA, Jumbo | 41 | 4.8% | 84.3% | $317,439 | |
|
A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, HELOC | 39 +16 HELOCs |
4.6% | 78% | $221,153 | |
Freedom Mortgage Corporation
|
Conventional, FHA, VA | 31 | 3.7% | 94.9% | $357,903 | |
Atlantic Coast Mortgage, LLC
|
Conventional, FHA, VA, USDA | 30 | 3.5% | 100% | $257,333 | |
American Neighborhood Mortgage Acceptance Company
|
Conventional, FHA, VA | 27 | 3.2% | 96.6% | $296,851 | |
Pennymac Loan Services LLC
|
FHA, VA | 21 | 2.5% | 82.1% | $280,238 | |
Newrez LLC
|
Conventional, FHA, VA | 20 | 2.4% | 71.4% | $274,000 | |
|
A+5.0 ★Texas Ratio: 3.21% |
Conventional, FHA, VA | 19 | 2.2% | 100% | $339,210 | View |
|
A4.7 ★Texas Ratio: 0.83% |
Conventional, FHA, VA | 18 | 2.1% | 90% | $233,888 | View |
Movement Mortgage, LLC
|
Conventional, FHA, VA | 17 | 2% | 95.5% | $224,411 | |
|
A-4.9 ★Texas Ratio: 16.48% |
Conventional, FHA, VA | 14 | 1.7% | 100% | $276,428 | View |
Atlantic Bay Mortgage Group
|
Conventional, FHA, VA, USDA | 13 | 1.5% | 100% | $252,692 | |
CrossCountry Mortgage, LLC
|
Conventional, FHA, VA | 12 | 1.4% | 100% | $290,833 | |
Amerisave Mortgage Company
|
Conventional, FHA, VA | 12 | 1.4% | 52.2% | $130,833 | |
DHI Mortgage Company, LTD.
|
FHA, VA | 11 | 1.3% | 85.7% | $405,000 | |
Union Home Mortgage Corp.
|
Conventional, FHA, VA | 10 | 1.2% | 100% | $199,000 | |
|
A+5.0 ★Texas Ratio: 4.11% |
Conventional, FHA, VA | 9 | 1.1% | 100% | $346,111 | View |
Calcon Mutual Mortgage LLC
|
Conventional, FHA, VA | 8 | 0.9% | 100% | $328,750 | |
RW Towne, LLC
|
Conventional, FHA, VA | 8 | 0.9% | 100% | $273,750 | |
Towne Mortgage
|
Conventional, FHA, VA | 8 | 0.9% | 100% | $228,750 | |
loanDepot.com LLC
|
Conventional, FHA, VA, HELOC | 7 +2 HELOCs |
0.8% | 58.3% | $236,428 | |
Guaranteed Rate, Inc.
|
FHA, VA | 7 | 0.8% | 100% | $380,714 | |
Tidewater Home Funding, LLC
|
Conventional, FHA, USDA | 6 | 0.7% | 100% | $238,333 | |
Guild Mortgage Company
|
FHA, VA | 5 | 0.6% | 83.3% | $311,000 | |
American Financial Network, Inc.
|
Conventional, FHA, VA | 5 | 0.6% | 100% | $237,000 | |
Capital Center LLC
|
Conventional | 5 | 0.6% | 100% | $317,000 | |
|
B-3.5 ★Texas Ratio: 6.80% |
Conventional, VA | 5 | 0.6% | 55.6% | $369,000 | View |
New American Funding, LLC.
|
Conventional, FHA, VA | 5 | 0.6% | 83.3% | $227,000 | |
American Financial Resources LLC
|
FHA, VA | 4 | 0.5% | 80% | $317,500 | |
Lakeview Loan Servicing, LLC
|
Conventional, FHA | 4 | 0.5% | 46.7% | $232,500 | |
Planet Home Lending, LLC
|
Conventional, FHA, USDA | 4 | 0.5% | 100% | $330,000 | |
Nationstar Mortgage
|
Conventional, VA | 4 | 0.5% | 100% | $155,000 | |
Staunton Financial Inc
|
VA | 4 | 0.5% | 100% | $355,000 | |
TowneBank
|
Conventional, VA, HELOC | 3 +6 HELOCs |
0.4% | 100% | $335,000 | |
EMM Loans LLC
|
FHA, VA | 3 | 0.4% | 100% | $375,000 | |
Goodleap, LLC
|
Conventional, VA | 3 | 0.4% | 80% | $185,000 | |
Go Mortgage, LLC
|
Conventional | 3 | 0.4% | 75% | $201,666 | |
Equity Prime Mortgage LLC
|
FHA, VA | 3 | 0.4% | 60% | $228,333 | |
Cmg Mortgage Inc
|
FHA, VA | 3 | 0.4% | 100% | $345,000 | |
New Day Financial, LLC.
|
VA | 3 | 0.4% | 33.3% | $245,000 | |
American Pacific Mortgage Corporation
|
FHA | 3 | 0.4% | 100% | $295,000 | |
Prosperity Home Mortgage, LLC
|
Conventional, VA | 3 | 0.4% | 100% | $271,666 | |
Paramount Residential Mortgage
|
Conventional, FHA | 3 | 0.4% | 100% | $215,000 | |
Village Capital & Investment
|
FHA, VA | 3 | 0.4% | 75% | $315,000 | |
HomeBridge Financial Services, Inc
|
VA, HELOC | 2 +1 HELOCs |
0.2% | 66.7% | $395,000 | |
Nbkc Bank
|
VA | 2 | 0.2% | 100% | $355,000 | |
ALCOVA Mortgage, LLC
|
Conventional, VA | 2 | 0.2% | 100% | $345,000 | |
Kind Lending, LLC
|
Conventional, VA | 2 | 0.2% | 66.7% | $335,000 | |
AmeriHome Mortgage Company, LLC
|
FHA | 2 | 0.2% | 100% | $310,000 | |
Archer Mortgage LLC
|
FHA, VA | 2 | 0.2% | 100% | $295,000 | |
Nation One Mortgage Corporatio
|
FHA, VA | 2 | 0.2% | 100% | $235,000 | |
Belem Servicing, LLC dba Patriot Home Mortgage
|
Conventional | 2 | 0.2% | 100% | $355,000 | |
T2 Financial LLC
|
FHA | 2 | 0.2% | 100% | $310,000 | |
|
A+5.0 ★Texas Ratio: 4.81% |
VA | 2 | 0.2% | 100% | $315,000 | View |
Milend, Inc
|
FHA | 2 | 0.2% | 66.7% | $215,000 | |
Saygo Home Loans, LLC
|
FHA, VA | 2 | 0.2% | 100% | $330,000 | |
Zillow Home Loans, LLC
|
Conventional | 2 | 0.2% | 100% | $255,000 | |
Vanderbilt Mortgage and Finance, Inc
|
Conventional | 2 | 0.2% | 4.7% | $95,000 | |
|
A5.0 ★Texas Ratio: 10.20% |
Conventional, HELOC | 1 +14 HELOCs |
0.1% | 100% | $325,000 | |
Abnb Federal Credit Union
|
Conventional, HELOC | 1 +5 HELOCs |
0.1% | 100% | $125,000 | |
Chartway FCU
|
Conventional, HELOC | 1 +4 HELOCs |
0.1% | 100% | $185,000 | |
The Loan Store, Inc
|
Conventional, HELOC | 1 +1 HELOCs |
0.1% | 100% | $155,000 | |
Cornerstone First Mortgage, LLC
|
Conventional | 1 | 0.1% | 100% | $265,000 | |
Tidewater Mortgage Services, Inc
|
FHA | 1 | 0.1% | 100% | $345,000 | |
|
A+5.0 ★Texas Ratio: 3.36% |
Conventional | 1 | 0.1% | 100% | $245,000 | View |
Guaranteed Rate Affinity, LLC
|
Conventional | 1 | 0.1% | 100% | $365,000 | |
|
A5.0 ★Texas Ratio: 11.06% |
Conventional | 1 | 0.1% | 100% | $275,000 | View |
Resicentral LLC
|
FHA | 1 | 0.1% | 100% | $275,000 | |
Nqm Funding, LLC
|
Conventional | 1 | 0.1% | 100% | $385,000 | |
Sun West Mortgage Company, Inc
|
VA | 1 | 0.1% | 100% | $255,000 | |
Credit Union Mortgage Associat
|
VA | 1 | 0.1% | 100% | $425,000 | |
American Financing Corporation
|
FHA | 1 | 0.1% | 33.3% | $245,000 | |
Vibe Credit Union
|
Conventional | 1 | 0.1% | 100% | $195,000 | |
Midwest Mortgage Associates Corp
|
FHA | 1 | 0.1% | 100% | $305,000 | |
Eastman Credit Union
|
Conventional | 1 | 0.1% | 100% | $375,000 | |
Stg Mortgage Inc
|
Conventional | 1 | 0.1% | 100% | $255,000 | |
Resource Financial Services, Inc.
|
VA | 1 | 0.1% | 100% | $335,000 | |
|
A+5.0 ★Texas Ratio: 0.22% |
Conventional | 1 | 0.1% | 100% | $75,000 | View |
CityWorth Mortgage LLC
|
FHA | 1 | 0.1% | 100% | $235,000 | |
BoxCar Mortgage, LLC
|
FHA | 1 | 0.1% | 100% | $235,000 | |
Integrity Home Mortgage Corporation
|
Conventional | 1 | 0.1% | 100% | $195,000 | |
Sierra Pacific Mortgage Co. Inc
|
FHA | 1 | 0.1% | 100% | $275,000 | |
|
A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 0.1% | 100% | $155,000 | View |
Mission Loans, LLC
|
Conventional | 1 | 0.1% | 100% | $145,000 | |
Mortgage Solutions of Colorado
|
VA | 1 | 0.1% | 100% | $345,000 | |
Mutual of Omaha Mortgage
|
VA | 1 | 0.1% | 50% | $95,000 | |
|
A+5.0 ★Texas Ratio: 2.14% |
Conventional | 1 | 0.1% | 100% | $385,000 | View |
|
B+4.8 ★Texas Ratio: 16.98% |
VA | 1 | 0.1% | 100% | $195,000 | View |
|
A+5.0 ★Texas Ratio: 0.51% |
VA | 1 | 0.1% | 50% | $375,000 | View |
Carrington Mortgage Services LLC
|
Conventional | 1 | 0.1% | 25% | $75,000 | |
Mason-McDuffie Mortgage Corporation
|
Conventional | 1 | 0.1% | 100% | $265,000 | |
Spring Eq, LLC
|
Conventional | 1 | 0.1% | 20% | $25,000 | |
Top Flite Financial, Inc.
|
FHA | 1 | 0.1% | 100% | $175,000 | |
Tomo Mortgage LLC
|
FHA | 1 | 0.1% | 100% | $215,000 | |
Champions Funding, LLC
|
Conventional | 1 | 0.1% | 100% | $345,000 | |
JMAC Lending, Inc.
|
VA | 1 | 0.1% | 100% | $405,000 | |
Figure Lending LLC
|
HELOC | 0 +5 HELOCs |
0% | n/a | ||
|
B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +5 HELOCs |
0% | n/a | View | |
Pentagon Federal Credit Union
|
HELOC | 0 +2 HELOCs |
0% | 0% | ||
|
A+5.0 ★Texas Ratio: 5.44% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Service Federal Credit Union
|
HELOC | 0 +1 HELOCs |
0% | n/a | ||
Gte Federal Credit Union
|
HELOC | 0 +1 HELOCs |
0% | n/a | ||
Lendage, LLC dba Achieve Loans
|
HELOC | 0 +1 HELOCs |
0% | n/a |
Elizabeth City Mortgage Rate Trends
Daily average mortgage rates for North Carolina compared with the national average, updated every evening.
Mortgage Lenders and Mortgage Brokers Near Me in Elizabeth City, North Carolina
Looking for mortgage lenders near me or mortgage brokers near me in Elizabeth City? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Elizabeth City in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Elizabeth City, NC
Use these to narrow the list above. Each category shows how many Elizabeth City, NC lenders fit and what that kind of lender is usually best for.
Who Lends in Elizabeth City, NC
Independent mortgage companies closed 78.1 percent of home loans in Elizabeth City, North Carolina in 2025, banks 13.9 percent and credit unions 7.9 percent. AAFMAA Mortgage Services LLC was the largest mortgage company, Truist Bank the largest bank and State Employees' Credit Union the largest credit union. Among lenders headquartered in North Carolina, Truist Bank led with 9 loans.
How to Read This List
A high approval share with a small median loan usually points to a lender comfortable with first time and FHA borrowers. A large median loan with conventional and jumbo programs points to a move up and jumbo specialist. The health grade says whether a bank or credit union is financially sound; it says nothing about service, which is what the reviews below are for.
An attorney must handle the closing in North Carolina. State excise (transfer) tax of $1 per $500 of price, customarily paid by the seller, plus an additional 1 percent land transfer tax in seven northeastern counties (Camden, Chowan, Currituck, Dare, Pasquotank, Perquimans, Washington); no mortgage recording tax.
More North Carolina Mortgage Lender Pages
Frequently Asked Questions About Mortgage Lenders in Elizabeth City, NC
By home loans closed in 2025, Truist Bank was the largest mortgage lender in Elizabeth City, North Carolina with 9 loans, about 1.1 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in Elizabeth City, North Carolina, Mortgage Research Center approved the highest share of completed applications in 2025 at 85.5 percent, against a 79.6 percent average for all lenders. Approval share reflects the applicants a lender attracts as much as its underwriting, so compare it alongside loan programs and median loan size. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
54 lenders closed FHA loans in Elizabeth City, North Carolina in 2025, led by Nvr Mortgage Finance, Inc. with 47. 61 lenders closed VA loans, led by Mortgage Research Center, and 5 closed USDA rural loans. Use the FHA and VA filters above the table to see only those lenders; FHA loans allow 3.5 percent down and lower credit scores, VA loans need no down payment for eligible veterans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Yes. 32 banks and 12 credit unions closed home loans in Elizabeth City, North Carolina in 2025, alongside 83 independent mortgage companies and brokers. Banks and credit unions carry a MonitorBankRates health grade. Mortgage companies are not deposit institutions, so they have no health grade; their HMDA figures and borrower reviews stand in. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Lenders are ranked only by the number of home loans they closed in Elizabeth City, North Carolina during 2025 as reported under the federal Home Mortgage Disclosure Act. No lender pays to be listed or to rank higher, and reviews do not change the order. Counts cover first and second lien loans on one to four unit homes for purchase, refinance and home improvement; home equity lines are counted separately.
Methodology and Sources
Lender rankings use the loan level records that lenders file under the Home Mortgage Disclosure Act, published by the FFIEC and the Consumer Financial Protection Bureau for the 2025 reporting year. Counts include originated first and subordinate lien loans on one to four unit homes in Elizabeth City, North Carolina for purchase, refinance and other purposes; home equity lines of credit are counted separately and reverse mortgages and business purpose loans are excluded. Approval share is originations plus approved but not accepted applications divided by all completed applications (withdrawn and incomplete files are excluded). Lender type comes from the lender's federal regulator and the FFIEC National Information Center. City figures use the Census tracts that make up Elizabeth City. Health grades are MonitorBankRates data and are current as of the date shown. Lenders below the HMDA reporting thresholds do not appear. MonitorBankRates receives no payment for placement on this page. Last updated October 8, 2026.
