Kill Devil Hills Mortgage Rates & Closing Costs

30yr Fixed Rate 15yr Fixed Rate FHA USDA VA 5/1 ARM

30 Year Fixed Rate mortgages in Kill Devil Hills averaged 7.04% for the week of 2024-11-07, compared to the national average of 6.79% for the same period.

The average rate for the prior week (2024-10-31) was 6.57% and one month ago for the week of 2024-10-03, the average rate was 6.27%.

Kill Devil Hills's average rate one year ago was 7.71%.

For refis of the same type during the week of 2024-11-07, the average rate was 7.09%.

Loan Type Date Rate
US 30 Year Fixed Rate 2024-11-07 6.79%
Kill Devil Hills 30 Year Fixed Rate 2024-11-07 7.04%
Kill Devil Hills 30 Year Fixed Rate Refi 2024-11-07 7.09%
Kill Devil Hills 15 Year Fixed Rate 2024-11-07 6%
Kill Devil Hills 15 Year Fixed Rate Refi 2024-11-07 5.9%
Kill Devil Hills 30 Year FHA 2024-11-07 6.63%
Kill Devil Hills 30 Year FHA Refi 2024-11-07 6.63%
Kill Devil Hills 30 Year USDA 2024-11-07 6.28%
Kill Devil Hills 30 Year USDA Refi 2024-11-07 6.58%
Kill Devil Hills 30 Year VA 2024-11-07 6.44%
Kill Devil Hills 30 Year VA Refi 2024-11-07 6.44%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Kill Devil Hills, NC.

Kill Devil Hills Top Lenders by Rates & Fees

The below table looks at the consensus average rates and fees provided by each lender, for only loans originated in the Kill Devil Hills, NC market. This includes FHA, Conventional, USDA and VA loans, as well as refis. All terms in the below chart are 30 year fixed rate. Unless noted otherwise, other data is all inclusive (FHA, ARM, 15-yr, etc.).

Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
QUICKEN LOANS, LLC 72 6.79% $9,696
SOUTHERN TRUST MORTGAGE, LLC 59 6.89% $7,517
Towne Bank 48 6.95% $8,285
STATE EMPLOYEES' 37 5.79% $4,539
GUARANTEED RATE, INC. 26 6.93% $6,270
CALIBER HOME LOANS, INC. 24 6.72% $7,920
TD Bank 23 6.58% $4,256
CHURCHILL MORTGAGE CORPORATION 22 7.18% $9,591
Citizens Bank 20 6.04% $9,261
MOVEMENT MORTGAGE, LLC 20 7.17% $9,804
Wells Fargo Bank 17 6.68% $7,277
UNITED WHOLESALE MORTGAGE, LLC 14 6.94% $11,120
Southern Bank and Trust Company 14 6.33% $5,562
NAVY FEDERAL CREDIT UNION 12 6.30% $13,367
Towne Mortgage, LLC 10 7.16% $7,473
Truist 10 6.80% $6,211
KeyBank 10 6.24% $4,995
NEWREZ LLC 9 7.79% $8,372
LOCAL GOVERNMENT FEDERAL CREDIT UNION 9 5.93% $4,595
ATLANTIC BAY MORTGAGE GROUP, L.L.C. 8 7.19% $9,316
Morgan Stanley Private Bank 8 5.75% $3,932
CMG MORTGAGE, INC. 5 7.12% $5,521
Atlantic Union Bank 5 6.57% $5,333
CAPITAL CENTER, L.L.C. 5 6.58% $8,110
CBM Mortgage, Inc. 5 6.63% $8,797
First National Bank of Pennsylvania 5 7.33% $6,502
JPMorgan Chase Bank 5 6.75% $11,563
PNC Bank 5 6.35% $4,929
Prosperity Home Mortgage, LLC 5 7.43% $9,981
First-Citizens Bank & Trust Company 4 7.21% $4,268
Alcova Mortgage LLC 4 7.28% $7,085
U.S. Bank 4 6.50% $6,880
Tidewater Home Funding, LLC 4 5.91% $5,102
NP, Inc. 4 8.47% $15,894
Mr. Cooper ( Nationstar Mortgage ) 4 6.50% $13,321
USAA Federal Savings Bank 3 6.67% $5,471
LOANDEPOT.COM, LLC 3 7.08% $10,862
SeaTrust Mortgage Company 3 7.04% $6,215
NexBank 3 7.50% $20,053
ROSS MORTGAGE CORPORATION 3 7.00% $9,370
The Loan Store, Inc. 3 6.92% $8,324
United Nations Federal Credit Union 3 7.08% $5,259
First Heritage Mortgage, LLC 3 6.83% $9,895
Citibank 2 4.88% $3,629
Fifth Third Bank 2 7.19% $6,525
FIRST BANCORP 2 7.79% $7,784
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 2 7.68% $5,421
PENTAGON FEDERAL CREDIT UNION 2 6.06% $5,254
M&T Bank 2 7.13% $6,220
NATIONWIDE MORTGAGE BANKERS, INC. 2 7.25% $16,131
ZILLOW HOME LOANS, LLC 2 7.06% $6,814
Renasant Bank 2 6.44% $12,606
United Bank 2 6.63% $4,671
NFM, INC. 2 7.18% $12,591
VILLAGE BANK MORTGAGE CORPORATION 2 7.13% $893
C & F Mortgage Corporation 2 6.69% $7,230
Bank of America 2 5.94% $3,709
GSF Mortgage Corporation 1 8.13% $17,124
GUARANTEED RATE AFFINITY, LLC 1 6.75% $11,768
BAY-VALLEY MORTGAGE GROUP 1 6.88% $10,266
HOMESIDE FINANCIAL, LLC 1 6.99% $5,745
HOMESPIRE MORTGAGE CORPORATION 1 7.38% $8,044
Huntingdon Valley Bank 1 6.50% $9,038
ABERDEEN PROVING GROUND FEDERAL CREDIT UNION 1 5.13% $2,988
KINECTA 1 5.38% $4,404
Kwik Mortgage Corporation 1 8.00% $13,106
LANGLEY 1 7.00% $5,897
LENOX FINANCIAL MORTGAGE CORPORATION 1 7.00% $8,057
Atlantic Coast Mortgage, LLC 1 7.50% $12,981
MEMBERS 1ST FEDERAL CREDIT UNION 1 7.63% $6,184
Meridian Bank Corporation 1 6.25% $3,847
ARK-LA-TEX FINANCIAL SERVICES, LLC. 1 7.50% $9,692
Mortgage Research Center, LLC 1 7.75% $14,285
ARC HOME LLC 1 8.00% $13,106
Ameris Bank 1 6.50% $12,376
NBKC BANK 1 7.75% $3,394
AMERISAVE MORTGAGE CORPORATION 1 5.88% $6,365
Northpointe Bank 1 5.75% $10,364
North State Bank 1 6.88% $5,859
OCMBC, INC. 1 8.38% $7,975
Paramount Residential Mortgage Group, Inc. 1 6.88% $11,549
PENNYMAC LOAN SERVICES, LLC 1 7.50% $14,683
Piedmont Federal Savings Bank 1 5.50% $9,751
WesBanco 1 6.63% $7,575
PRIMELENDING, A PLAINSCAPITAL COMPANY 1 6.88% $6,700
AmeriHome Mortgage Company, LLC 1 6.75% $6,126
Raymond James Bank 1 4.25% $6,208
S1L, Inc. 1 6.99% $16,201
SERVICE 1ST 1 6.13% $7,071
Signal Financial Federal Credit Union 1 7.00% $4,586
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 1 8.75% $8,980
AMERICAN FINANCING CORPORATION 1 5.63% $12,680
AMERICAN FINANCIAL NETWORK, INC. 1 6.63% $16,588
S&T Bank 1 5.88% $4,583
Stifel Bank and Trust 1 5.38% $4,932
Summit Community Bank, Inc. 1 7.06% $3,657
The Central Trust Bank 1 5.63% $3,954
The Federal Savings Bank 1 6.50% $22,554
The Huntington National Bank 1 6.63% $6,007
TIDEWATER MORTGAGE SERVICES, INC. 1 7.50% $4,620
Advisors Mortgage Group, L.L.C. 1 7.13% $2,359
Advance Financial Group, LLC 1 7.50% $7,761
Adams Bank & Trust 1 7.13% $8,278
UBS Bank USA 1 6.50% $6,154
Union Savings Bank 1 6.88% $3,011
ABNB Federal Credit Union 1 6.38% $3,460
BROKER SOLUTIONS, INC. 1 6.99% $10,103
BNC National Bank 1 6.13% $8,596
VANDERBILT MORTGAGE AND FINANCE, INC. 1 6.99% $2,959
CHARTWAY FEDERAL CREDIT UNION 1 6.63% $4,392
Charles Schwab Bank, SSB 1 6.75% $4,614
BMO Harris Bank 1 5.88% $6,365
Bethpage Federal Credit Union 1 7.50% $9,464
Clear Mountain Bank 1 6.88% $3,915
1ST ADVANTAGE FEDERAL CREDIT UNION 1 6.99% $7,752
COASTAL Federal Credit Union 1 5.88% $3,959
COMMONWEALTH ONE FEDERAL CREDIT UNION 1 6.63% $7,818
COMPASS MORTGAGE, INC. 1 6.88% $11,540
CONTOUR MORTGAGE CORPORATION 1 7.13% $12,142
CORNING 1 6.13% $3,525
CROSSCOUNTRY MORTGAGE, LLC 1 6.58% $5,850
EQUITY RESOURCES, INC. 1 6.88% $5,827
EVANSVILLE TEACHERS 1 7.88% $6,972
F&A Federal Credit Union 1 6.13% $3,722
Farmers Bank & Trust 1 7.13% $4,229
First Bank 1 5.25% $3,203
First National Bank of America 1 11.38% $13,869
Waterstone Mortgage Corporation 1 6.63% $12,789
FIRST PEOPLES COMMUNITY FEDERAL CREDIT UNION 1 6.25% $7,315
FIRST SAVINGS MORTGAGE CORPORATION 1 7.63% $12,086
Florida Capital Bank 1 6.99% $5,409
F & M BANK CORP. 1 7.63% $3,509
FREEDOM MORTGAGE CORPORATION 1 6.75% $12,350
Gateway First Bank 1 7.38% $6,522
GENEVA FINANCIAL, LLC 1 7.50% $13,125
George Mason Mortgage, LLC 1 5.88% $12,568
GREENSTATE CREDIT UNION 1 7.50% $9,980
GREENWAY MORTGAGE FUNDING CORP. 1 6.50% $4,653

Kill Devil Hills Average Closing Costs & Other Stats

Kill Devil Hills, NC's 138 lenders originated 1,515 loans during 2023. The total origination value was $562,415,000, with an average loan value of $371,231.

Kill Devil Hills's average closing costs are $5,085.

The top Kill Devil Hills lender as defined by loan originations is QUICKEN LOANS, LLC, with 72 loans originated. Their average total fees are $9,696, which is $2,179 higher than the next largest lender, SOUTHERN TRUST MORTGAGE, LLC.

The lowest fee Kill Devil Hills lenders (with over 10 loans originated) are TD Bank ($4,256), STATE EMPLOYEES' ($4,539), KeyBank ($4,995), Southern Bank and Trust Company ($5,562) and Truist ($6,211).

The lowest rate Kill Devil Hills lenders (with over 10 loans originated) are STATE EMPLOYEES' (5.79%), Citizens Bank (6.04%), KeyBank (6.24%), NAVY FEDERAL CREDIT UNION (6.30%) and Southern Bank and Trust Company (6.33%).

Kill Devil Hills, NC Mortgage Market Share & Volume

Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.

Name 2022 Loan Value 2023 Loan Value % Change 2023 Market Share
Towne Bank $81,675,000 $52,570,000 -35.6% 9.3%
QUICKEN LOANS, LLC $44,990,000 $33,265,000 -26.1% 5.9%
TD Bank $5,300,000 $30,855,000 482.2% 5.5%
Southern Bank and Trust Company $58,810,000 $30,370,000 -48.4% 5.4%
SOUTHERN TRUST MORTGAGE, LLC $51,085,000 $27,880,000 -45.4% 5.0%
STATE EMPLOYEES' $46,025,000 $23,670,000 -48.6% 4.2%
GUARANTEED RATE, INC. $39,690,000 $17,700,000 -55.4% 3.1%
Citizens Bank $60,445,000 $17,430,000 -71.2% 3.1%
CALIBER HOME LOANS, INC. $60,045,000 $16,705,000 -72.2% 3.0%
MOVEMENT MORTGAGE, LLC $43,330,000 $15,630,000 -63.9% 2.8%
PNC Bank $18,725,000 $12,230,000 -34.7% 2.2%
Atlantic Union Bank $8,845,000 $11,640,000 31.6% 2.1%
Truist $24,835,000 $10,685,000 -57.0% 1.9%
First National Bank of Pennsylvania $19,410,000 $10,360,000 -46.6% 1.8%
NEWREZ LLC $2,220,000 $10,155,000 357.4% 1.8%
Wells Fargo Bank $45,010,000 $10,090,000 -77.6% 1.8%
CHURCHILL MORTGAGE CORPORATION $105,000 $9,690,000 9,128.6% 1.7%
UNITED WHOLESALE MORTGAGE, LLC $9,510,000 $9,545,000 0.4% 1.7%
NAVY FEDERAL CREDIT UNION $10,830,000 $9,025,000 -16.7% 1.6%
KeyBank $65,350,000 $6,640,000 -89.8% 1.2%
ATLANTIC BAY MORTGAGE GROUP, L.L.C. $7,350,000 $5,700,000 -22.4% 1.0%
LOCAL GOVERNMENT FEDERAL CREDIT UNION $14,250,000 $5,105,000 -64.2% 0.9%
JPMorgan Chase Bank $9,050,000 $5,090,000 -43.8% 0.9%
CROSSCOUNTRY MORTGAGE, LLC $3,370,000 $4,945,000 46.7% 0.9%
Morgan Stanley Private Bank $4,255,000 $4,830,000 13.5% 0.9%
Citibank $2,460,000 $4,585,000 86.4% 0.8%
Atlantic Coast Mortgage, LLC $7,920,000 $4,575,000 -42.2% 0.8%
U.S. Bank $32,585,000 $4,520,000 -86.1% 0.8%
Towne Mortgage, LLC $8,045,000 $4,470,000 -44.4% 0.8%
CMG MORTGAGE, INC. $1,370,000 $3,855,000 181.4% 0.7%
CAPITAL CENTER, L.L.C. $4,965,000 $3,410,000 -31.3% 0.6%
First-Citizens Bank & Trust Company $2,605,000 $3,405,000 30.7% 0.6%
First Bank $14,340,000 $3,060,000 -78.7% 0.5%
NexBank $2,820,000 n/a 0.5%
Mortgage Research Center, LLC $4,250,000 $2,785,000 -34.5% 0.5%
USAA Federal Savings Bank $1,975,000 $2,635,000 33.4% 0.5%
Mr. Cooper ( Nationstar Mortgage ) $6,040,000 $2,575,000 -57.4% 0.5%
PENNYMAC LOAN SERVICES, LLC $5,520,000 $2,545,000 -53.9% 0.5%
Tidewater Home Funding, LLC $3,840,000 $2,545,000 -33.7% 0.5%
PENTAGON FEDERAL CREDIT UNION $4,225,000 $2,520,000 -40.4% 0.4%
CBM Mortgage, Inc. $2,150,000 $2,465,000 14.7% 0.4%
Alcova Mortgage LLC $3,730,000 $2,380,000 -36.2% 0.4%
United Nations Federal Credit Union $6,645,000 $2,350,000 -64.6% 0.4%
George Mason Mortgage, LLC $4,235,000 $2,250,000 -46.9% 0.4%
United Bank $5,785,000 $2,220,000 -61.6% 0.4%
NP, Inc. $315,000 $2,060,000 554.0% 0.4%
LOANDEPOT.COM, LLC $8,730,000 $1,990,000 -77.2% 0.4%
Bank of America $14,400,000 $1,945,000 -86.5% 0.3%
Prosperity Home Mortgage, LLC $1,950,000 $1,945,000 -0.3% 0.3%
ANGEL OAK MORTGAGE SOLUTIONS LLC $1,080,000 $1,925,000 78.2% 0.3%
TOWER $2,800,000 $1,840,000 -34.3% 0.3%
S&T Bank $1,410,000 $1,805,000 28.0% 0.3%
The Central Trust Bank $1,590,000 n/a 0.3%
NATIONWIDE MORTGAGE BANKERS, INC. $960,000 $1,545,000 60.9% 0.3%
First Heritage Mortgage, LLC $2,570,000 $1,485,000 -42.2% 0.3%
Presidential Bank, FSB $830,000 $1,410,000 69.9% 0.3%
SOMERSET TRUST COMPANY $1,405,000 n/a 0.2%
SERVICE 1ST $1,395,000 n/a 0.2%
The Federal Savings Bank $1,385,000 $1,385,000 0.0% 0.2%
COASTAL Federal Credit Union $1,910,000 $1,370,000 -28.3% 0.2%
Stifel Bank and Trust $425,000 $1,370,000 222.4% 0.2%
AMERISAVE MORTGAGE CORPORATION $5,190,000 $1,360,000 -73.8% 0.2%
Truliant Federal Credit Union $150,000 $1,360,000 806.7% 0.2%
SeaTrust Mortgage Company $1,335,000 n/a 0.2%
M&T Bank $2,920,000 $1,330,000 -54.5% 0.2%
Renasant Bank $1,300,000 n/a 0.2%
C & F Mortgage Corporation $3,815,000 $1,265,000 -66.8% 0.2%
NFM, INC. $1,925,000 $1,265,000 -34.3% 0.2%
UBS Bank USA $2,380,000 $1,255,000 -47.3% 0.2%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $3,185,000 $1,250,000 -60.8% 0.2%
Bethpage Federal Credit Union $140,000 $1,205,000 760.7% 0.2%
The Loan Store, Inc. $1,165,000 n/a 0.2%
Ameris Bank $1,020,000 $1,150,000 12.7% 0.2%
UNION HOME MORTGAGE CORP. $255,000 $1,150,000 351.0% 0.2%
GENEVA FINANCIAL, LLC $1,055,000 n/a 0.2%
JAMS-01, INC. $1,055,000 n/a 0.2%
WesBanco $1,000,000 n/a 0.2%
BMO Harris Bank $995,000 n/a 0.2%
F&A Federal Credit Union $995,000 n/a 0.2%
Mid-Southern Savings Bank, FSB $995,000 n/a 0.2%
FOUNDATION MORTGAGE CORPORATION $985,000 n/a 0.2%
American National Bank and Trust Company $385,000 $980,000 154.5% 0.2%
FREEDOM MORTGAGE CORPORATION $1,740,000 $975,000 -44.0% 0.2%
The Old Point National Bank of Phoebus $1,060,000 $950,000 -10.4% 0.2%
VILLAGE BANK MORTGAGE CORPORATION $555,000 $950,000 71.2% 0.2%
BROKER SOLUTIONS, INC. $3,825,000 $920,000 -75.9% 0.2%
ABNB Federal Credit Union $2,035,000 $885,000 -56.5% 0.2%
FIRST BANCORP $850,000 n/a 0.2%
ROSS MORTGAGE CORPORATION $845,000 n/a 0.2%
ARC HOME LLC $825,000 n/a 0.1%
Kwik Mortgage Corporation $385,000 $825,000 114.3% 0.1%
NEXERA HOLDING LLC $1,610,000 $825,000 -48.8% 0.1%
Fifth Third Bank $1,515,000 $820,000 -45.9% 0.1%
Paramount Residential Mortgage Group, Inc. $1,250,000 $780,000 -37.6% 0.1%
AMERICAN FINANCIAL NETWORK, INC. $775,000 n/a 0.1%
NBKC BANK $1,665,000 $750,000 -55.0% 0.1%
ZILLOW HOME LOANS, LLC $1,160,000 $700,000 -39.7% 0.1%
OCMBC, INC. $680,000 n/a 0.1%
First National Bank of America $665,000 n/a 0.1%
University Bank $665,000 n/a 0.1%
Charles Schwab Bank, SSB $1,120,000 $655,000 -41.5% 0.1%
Raymond James Bank $655,000 n/a 0.1%
Fulton Bank $650,000 n/a 0.1%
FIRST SAVINGS MORTGAGE CORPORATION $685,000 $625,000 -8.8% 0.1%
Northpointe Bank $2,075,000 $620,000 -70.1% 0.1%
Strong Home Mortgage, LLC $305,000 $615,000 101.6% 0.1%
The Huntington National Bank $2,685,000 $615,000 -77.1% 0.1%
Clear Mountain Bank $605,000 n/a 0.1%
CONTOUR MORTGAGE CORPORATION $605,000 n/a 0.1%
Equity Prime Mortgage LLC $605,000 n/a 0.1%
Piedmont Federal Savings Bank $605,000 n/a 0.1%
MUTUAL OF OMAHA MORTGAGE, INC. $1,525,000 $595,000 -61.0% 0.1%
Touchstone Bank $4,945,000 $595,000 -88.0% 0.1%
North State Bank $395,000 $555,000 40.5% 0.1%
LANGLEY $2,005,000 $550,000 -72.6% 0.1%
AMERICAN HERITAGE LENDING, INC. $295,000 $545,000 84.7% 0.1%
PREMIA MORTGAGE, LLC $455,000 $545,000 19.8% 0.1%
CHARTWAY FEDERAL CREDIT UNION $530,000 n/a 0.1%
CORNING $520,000 n/a 0.1%
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC $580,000 $515,000 -11.2% 0.1%
Encompass Lending Group, LP $515,000 n/a 0.1%
First Carolina Bank $515,000 n/a 0.1%
F & M BANK CORP. $515,000 n/a 0.1%
S1L, Inc. $515,000 n/a 0.1%
Beeline Loans, Inc. $1,080,000 $505,000 -53.2% 0.1%
VANDERBILT MORTGAGE AND FINANCE, INC. $695,000 $500,000 -28.1% 0.1%
ARK-LA-TEX FINANCIAL SERVICES, LLC. $645,000 $495,000 -23.3% 0.1%
GSF Mortgage Corporation $285,000 $485,000 70.2% 0.1%
HOMESIDE FINANCIAL, LLC $1,730,000 $485,000 -72.0% 0.1%
Apple Federal Credit Union $390,000 $475,000 21.8% 0.1%
EQUITY RESOURCES, INC. $365,000 $475,000 30.1% 0.1%
Gateway First Bank $475,000 n/a 0.1%
BAY-VALLEY MORTGAGE GROUP $465,000 n/a 0.1%
EMM LOANS LLC $425,000 $465,000 9.4% 0.1%
NEW DAY FINANCIAL, LLC $630,000 $465,000 -26.2% 0.1%
American Mortgage & Equity Consultants, Inc. $455,000 n/a 0.1%
Great Southern Bank $455,000 n/a 0.1%
Valley National Bank $455,000 n/a 0.1%
CARDINAL FINANCIAL $2,060,000 $435,000 -78.9% 0.1%
DRAPER AND KRAMER MORTGAGE CORP. $1,050,000 $435,000 -58.6% 0.1%
KINECTA $435,000 n/a 0.1%
COMMONWEALTH ONE FEDERAL CREDIT UNION $430,000 n/a 0.1%
Dollar Bank, Federal Savings Bank $1,210,000 $425,000 -64.9% 0.1%
Academy Bank $415,000 n/a 0.1%
Farmers Bank & Trust $555,000 $415,000 -25.2% 0.1%
MEMBERS 1ST FEDERAL CREDIT UNION $415,000 n/a 0.1%
Advance Financial Group, LLC $1,925,000 $405,000 -79.0% 0.1%
Flagstar Bank, FSB $1,905,000 $400,000 -79.0% 0.1%
AmeriHome Mortgage Company, LLC $815,000 $385,000 -52.8% 0.1%
FIRST HOME MORTGAGE CORPORATION $385,000 n/a 0.1%
Discover Bank $140,000 $380,000 171.4% 0.1%
1ST ADVANTAGE FEDERAL CREDIT UNION $125,000 $375,000 200.0% 0.1%
Carrington Mortgage Services, LLC $375,000 n/a 0.1%
EVANSVILLE TEACHERS $375,000 n/a 0.1%
Meridian Bank Corporation $490,000 $375,000 -23.5% 0.1%
Signal Financial Federal Credit Union $375,000 n/a 0.1%
North American Savings Bank, F.S.B. $880,000 $365,000 -58.5% 0.1%
Chesapeake Bank $360,000 n/a 0.1%
AMERICAN FINANCING CORPORATION $125,000 $355,000 184.0% 0.1%
GUARANTEED RATE AFFINITY, LLC $355,000 n/a 0.1%
HOMEBRIDGE FINANCIAL SERVICES, INC. $835,000 $345,000 -58.7% 0.1%
LENOX FINANCIAL MORTGAGE CORPORATION $345,000 n/a 0.1%
RELIANCE FIRST CAPITAL, LLC $975,000 $345,000 -64.6% 0.1%
FINANCE OF AMERICA REVERSE LLC $205,000 $335,000 63.4% 0.1%
COMPASS MORTGAGE, INC. $325,000 n/a 0.1%
GREENSTATE CREDIT UNION $325,000 n/a 0.1%
FIRST PEOPLES COMMUNITY FEDERAL CREDIT UNION $315,000 n/a 0.1%
Huntingdon Valley Bank $305,000 n/a 0.1%
Logan Finance Corporation $2,365,000 $305,000 -87.1% 0.1%
TIDEWATER MORTGAGE SERVICES, INC. $820,000 $305,000 -62.8% 0.1%
Third Federal Savings and Loan Association of Cleveland $280,000 $300,000 7.1% 0.1%
AMERICAN FINANCIAL RESOURCES, INC. $275,000 $295,000 7.3% 0.1%
Bank-Fund Staff Federal Credit Union $295,000 n/a 0.1%
ABERDEEN PROVING GROUND FEDERAL CREDIT UNION $1,330,000 $285,000 -78.6% 0.1%
BNC National Bank $395,000 $285,000 -27.8% 0.1%
LIMA ONE CAPITAL, LLC $415,000 $285,000 -31.3% 0.1%
Integrity Home Mortgage Corp $275,000 n/a 0.0%
Waterstone Mortgage Corporation $865,000 $275,000 -68.2% 0.0%
Figure Lending LLC $430,000 $270,000 -37.2% 0.0%
A&D Mortgage LLC $255,000 n/a 0.0%
OCEANSIDE MORTGAGE COMPANY $255,000 n/a 0.0%
Union Savings Bank $245,000 n/a 0.0%
LENDINGHOME FUNDING CORPORATION $1,050,000 $235,000 -77.6% 0.0%
Adams Bank & Trust $225,000 n/a 0.0%
HOMESPIRE MORTGAGE CORPORATION $225,000 $215,000 -4.4% 0.0%
SOUTHWEST STAGE FUNDING, LLC $205,000 n/a 0.0%
PRIMELENDING, A PLAINSCAPITAL COMPANY $3,015,000 $195,000 -93.5% 0.0%
Summit Community Bank, Inc. $195,000 n/a 0.0%
GREENWAY MORTGAGE FUNDING CORP. $635,000 $165,000 -74.0% 0.0%
Advisors Mortgage Group, L.L.C. $650,000 $155,000 -76.2% 0.0%
Florida Capital Bank $155,000 n/a 0.0%
NORTHROP GRUMMAN Federal Credit Union $155,000 n/a 0.0%
Regions Bank $1,505,000 $155,000 -89.7% 0.0%
TRIAD FINANCIAL SERVICES, INC. $145,000 n/a 0.0%
SPRING EQ, LLC $940,000 $135,000 -85.6% 0.0%
TOP FLITE FINANCIAL, INC. $430,000 $125,000 -70.9% 0.0%
ALLEGACY FEDERAL CREDIT UNION $105,000 n/a 0.0%
Pinnacle Bank $75,000 n/a 0.0%
ROYAL UNITED MORTGAGE LLC $1,295,000 $65,000 -95.0% 0.0%
State Department Federal Credit Union $65,000 n/a 0.0%

Kill Devil Hills's top lender by overall market share is Towne Bank, with 9.3% market share. In second place, with 5.9%, is QUICKEN LOANS, LLC, having originated $33,265,000 in loans. In third place, with 5.5%, is TD Bank, having originated $30,855,000 in loans. In fourth place, with 5.4%, is Southern Bank and Trust Company, having originated $30,370,000 in loans. In fifth place, with 5.0%, is SOUTHERN TRUST MORTGAGE, LLC, having originated $27,880,000 in loans.

Kill Devil Hills, NC Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 895 $441,495,000 $493,291
Home Improvement 194 $24,190,000 $124,691
Other 192 $33,750,000 $175,781
Refi 124 $32,360,000 $260,968
Cash Out Refi 110 $30,620,000 $278,364

Kill Devil Hills's most frequently cited loan purpose was Home Purchase, with 895 originations. The 2nd most popular reason was Home Improvement, with 194 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
6-7% 513 $217,955,000 $424,864
7-8% 458 $159,070,000 $347,314
Over 8% 267 $66,775,000 $250,094
5-6% 175 $95,275,000 $544,429
4-5% 91 $19,135,000 $210,275
<2.5% 3 $135,000 $45,000
2.5-3% 1 $195,000 $195,000

During 2023, Kill Devil Hills's most frequently originated rate bucket was 6-7%, with 513 originations.

Loan Sizing (Kill Devil Hills, NC MSA)

Loan Size Originations Total Value Average Loan
$200k-400k 471 $141,745,000 $300,945
$400k-600k 340 $162,810,000 $478,853
$100k-200k 236 $33,230,000 $140,805
$100,000 or less 228 $13,340,000 $58,509
$600k-1000k 184 $133,530,000 $725,707
$Over $1MM 56 $77,760,000 $1,388,571

Kill Devil Hills's loan sizing saw the bucket of loans from $200k-400k with 471 originations, totaling $141,745,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
60-80% 489 $250,755,000 $512,791
Under 20% 306 $25,970,000 $84,869
80-100% 301 $162,025,000 $538,289
20-40% 220 $44,950,000 $204,318
40-60% 180 $69,150,000 $384,167
Over 100% 8 $4,470,000 $558,750

Kill Devil Hills's loan sizing saw loans grouped in the 60-80% Loan-to-value bucket with 489 originations, totaling $250,755,000 in origination value.