North Carolina Mortgage and Refinance Rates

Read Time: 0 minutes

Current North Carolina Mortgage Rates

Average market rates for July 25, 2024 in North Carolina are 6.84% for 30-year fixed purchase and 6.94% for 30-year fixed refinance

ProductRateAPR
30-year Fixed Purchase6.84%6.87%
30-year Fixed Refinance6.94%6.98%
Rates based on market averages as of Jul 25, 2024.
ProductRateAPR
30-year Fixed Purchase6.84%6.87%
30-year Fixed Refinance6.94%6.98%
Rates based on market averages as of Jul 25, 2024.

North Carolina Purchase Rates

ProductRateAPR
15-year Fixed Purchase5.93%5.99%
15-year Fixed Jumbo Purchase6.36%6.38%
30-year Fixed Purchase6.84%6.87%
30-year Fixed Jumbo Purchase7.28%7.31%
Rates based on market averages as of Jul 25, 2024.

North Carolina Refinance Rates

ProductRateAPR
15-year Fixed Refinance5.95%6.00%
15-year Fixed Jumbo Refinance6.37%6.39%
30-year Fixed Refinance6.94%6.98%
30-year Fixed Jumbo Refinance7.29%7.31%
Rates based on market averages as of Jul 25, 2024.

North Carolina ARM Rates

ProductRateAPR
5/6 Arm (purchase)7.08%7.12%
5/6 Arm (refinance)7.20%7.24%
5/6 Jumbo Arm (purchase)6.48%6.48%
5/6 Jumbo Arm (refinance)6.51%6.52%
Rates based on market averages as of Jul 25, 2024.

How we source rates and rate trends

Most Common Mortgage Types in North Carolina

  • Conventional: 123,533 loans
  • FHA: 17,099 loans
  • USDA: 2,203 loans
  • VA: 20,965 loans

Top Purchase Lenders in North Carolina by Volume

  • State Employees Credit Union: 15,417 loans
  • Movement Mortgage, LLC: 10,488 loans
  • Rocket Mortgage, LLC: 6,816 loans
  • Atlantic Bay Mortgage Group, L.l.c.: 6,059 loans
  • Mortgage Research Center, LLC: 4,498 loans
  • Fairway Independent Mortgage Corporation: 4,413 loans
  • Wells Fargo Bank: 4,268 loans
  • Truist Bank: 3,359 loans
  • Guaranteed Rate, Inc.: 2,646 loans
  • Navy Federal Credit Union: 2,578 loans

Top Refinance Lenders in North Carolina by Volume

  • State Employees Credit Union: 12,249 loans
  • First-citizens Bank & Trust Company: 2,445 loans
  • Truist Bank: 2,167 loans
  • Rocket Mortgage, LLC: 1,649 loans
  • Local Government Federal Credit Union: 1,593 loans
  • PNC Bank: 1,544 loans
  • Truliant Federal Credit Union: 1,269 loans
  • First National Bank Of Pennsylvania: 1,183 loans
  • Wells Fargo Bank: 1,083 loans
  • Bank Of America: 951 loans

Top Cash-Out Refinance Lenders in North Carolina by Volume

  • Rocket Mortgage, LLC: 11,150 loans
  • Loandepot.com, LLC: 2,569 loans
  • Wells Fargo Bank: 2,129 loans
  • Nationstar Mortgage LLC: 2,037 loans
  • Freedom Mortgage Corporation: 1,987 loans
  • Pennymac Loan Services, LLC: 1,453 loans
  • Amerisave Mortgage Corporation: 1,356 loans
  • Movement Mortgage, LLC: 1,106 loans
  • Truist Bank: 991 loans
  • Flagstar Bank, Fsb: 746 loans

How we source lender data

Compare the Latest Mortgage Rates

View Rates