Home Mortgage Loan Ratesin North Carolina

Planning on purchasing a new home? Use ERATE®'s rate chart to compare today's top rates in North Carolina and find a lender that's the best fit for you. We recommend that you reach out to at least 2 to 3 mortgage lenders for your home loan to ensure you get the best rate and pricing.

(Last Updated: 06/30/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
6.008% APR 5.875% Rate 15 day rate lock $1,893 Payment per month
0.818 Points$2,618 Points Fee
$4,613 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.067% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.500 Points$1,600 Points Fee
$6,776 Total Fees$5,176 Lender Fees
 30 Years Fixed
6.086% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.800 Points$2,560 Points Fee
$3,101 Total Fees$541 Lender Fees
 30 Years Fixed
6.096% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.650 Points$2,080 Points Fee
$3,305 Total Fees$1,225 Lender Fees
 30 Years Fixed
6.104% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.848 Points$2,714 Points Fee
$3,909 Total Fees$1,195 Lender Fees
 30 Years Fixed
6.108% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.850 Points$2,720 Points Fee
$3,720 Total Fees$1,000 Lender Fees
 30 Years Fixed
6.126% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
1.000 Points$3,200 Points Fee
$4,695 Total Fees$1,495 Lender Fees
 30 Years Fixed
6.134% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.722 Points$2,310 Points Fee
$4,605 Total Fees$2,295 Lender Fees
 30 Years Fixed
6.135% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.978 Points$3,130 Points Fee
$4,761 Total Fees$1,631 Lender Fees
 30 Years Fixed
6.144% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.987 Points$3,158 Points Fee
$9,358 Total Fees$6,200 Lender Fees
 30 Years Fixed
6.224% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.746 Points$2,387 Points Fee
$3,623 Total Fees$1,236 Lender Fees
 30 Years Fixed
6.234% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.729 Points$2,333 Points Fee
$3,728 Total Fees$1,395 Lender Fees
 30 Years Fixed
6.247% APR 6.124% Rate 30 day rate lock $1,945 Payment per month
0.967 Points$3,094 Points Fee
$4,189 Total Fees$1,095 Lender Fees
 30 Years Fixed
6.254% APR 6.125% Rate 45 day rate lock $1,945 Payment per month
0.750 Points$2,400 Points Fee
$4,395 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.409% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.688 Points$2,202 Points Fee
$5,402 Total Fees$3,200 Lender Fees
 30 Years Fixed
6.474% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.672 Points$2,150 Points Fee
$3,478 Total Fees$1,328 Lender Fees
 30 Years Fixed
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6.077% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.940 Points$3,008 Points Fee
$3,008 Total Fees$0 Lender Fees
 30 Years Fixed
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Rate data provided by RateUpdate.com. Displayed by Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes and insurance premiums. Actual payments will be greater with taxes and insurance included. Rate and product details.
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