Home Refinance Loan Ratesin North Carolina

Looking to refinance your existing mortgage loan? 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 refinance loan to ensure you get the best rate and pricing.

(Last Updated: 10/17/2025)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
5.851% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.750 Points$2,400 Points Fee
$3,610 Total Fees$1,210 Lender Fees
 30 Years Fixed
5.853% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.800 Points$2,560 Points Fee
$3,610 Total Fees$1,050 Lender Fees
 30 Years Fixed
5.962% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.938 Points$3,002 Points Fee
$3,002 Total Fees$0 Lender Fees
 30 Years Fixed
5.984% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.748 Points$2,394 Points Fee
$3,789 Total Fees$1,395 Lender Fees
 30 Years Fixed
5.993% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.873 Points$2,794 Points Fee
$4,089 Total Fees$1,295 Lender Fees
 30 Years Fixed
6.046% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.596 Points$1,907 Points Fee
$1,907 Total Fees$0 Lender Fees
 30 Years Fixed
6.163% APR 6.000% Rate 45 day rate lock $1,919 Payment per month
0.750 Points$2,400 Points Fee
$5,600 Total Fees$3,200 Lender Fees
 30 Years Fixed
6.216% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.752 Points$2,406 Points Fee
$3,106 Total Fees$700 Lender Fees
 30 Years Fixed
6.329% APR 6.240% Rate 30 day rate lock $1,969 Payment per month
0.948 Points$3,034 Points Fee
$3,034 Total Fees$0 Lender Fees
 30 Years Fixed
7.197% APR 7.125% Rate 30 day rate lock $2,156 Payment per month
0.725 Points$2,320 Points Fee
$2,320 Total Fees$0 Lender Fees
 30 Years Fixed
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5.835% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.926 Points$2,963 Points Fee
$2,963 Total Fees$0 Lender Fees
 30 Years Fixed
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Rate data provided by RateUpdate.com. Displayed by ICB, a division of 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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