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: 12/19/2025)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
5.819% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.750 Points$2,400 Points Fee
$2,473 Total Fees$73 Lender Fees
 30 Years Fixed
5.840% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.650 Points$2,080 Points Fee
$3,130 Total Fees$1,050 Lender Fees
 30 Years Fixed
5.846% APR 5.750% Rate 15 day rate lock $1,868 Payment per month
0.424 Points$1,357 Points Fee
$3,352 Total Fees$1,995 Lender Fees
 30 Years Fixed
5.856% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.850 Points$2,720 Points Fee
$3,720 Total Fees$1,000 Lender Fees
 30 Years Fixed
5.859% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.851 Points$2,723 Points Fee
$3,818 Total Fees$1,095 Lender Fees
 30 Years Fixed
5.864% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.649 Points$2,077 Points Fee
$3,964 Total Fees$1,887 Lender Fees
 30 Years Fixed
5.870% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
1.000 Points$3,200 Points Fee
$4,200 Total Fees$1,000 Lender Fees
 30 Years Fixed
5.881% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.804 Points$2,573 Points Fee
$4,573 Total Fees$2,000 Lender Fees
 30 Years Fixed
5.936% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.655 Points$2,096 Points Fee
$2,096 Total Fees$0 Lender Fees
 30 Years Fixed
5.937% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.670 Points$2,144 Points Fee
$2,144 Total Fees$0 Lender Fees
 30 Years Fixed
5.941% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.719 Points$2,301 Points Fee
$2,301 Total Fees$0 Lender Fees
 30 Years Fixed
5.948% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.551 Points$1,763 Points Fee
$2,513 Total Fees$750 Lender Fees
 30 Years Fixed
6.094% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.756 Points$2,419 Points Fee
$3,594 Total Fees$1,175 Lender Fees
 30 Years Fixed
6.113% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.851 Points$2,723 Points Fee
$4,051 Total Fees$1,328 Lender Fees
 30 Years Fixed
6.209% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.681 Points$2,179 Points Fee
$2,879 Total Fees$700 Lender Fees
 30 Years Fixed
6.331% APR 6.240% Rate 30 day rate lock $1,969 Payment per month
0.967 Points$3,094 Points Fee
$3,094 Total Fees$0 Lender Fees
 30 Years Fixed
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5.818% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.743 Points$2,378 Points Fee
$2,378 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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