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: 12/13/2025)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
5.872% APR 5.750% Rate 15 day rate lock $1,868 Payment per month
0.713 Points$2,282 Points Fee
$4,277 Total Fees$1,995 Lender Fees
 30 Years Fixed
5.996% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.969 Points$3,101 Points Fee
$4,196 Total Fees$1,095 Lender Fees
 30 Years Fixed
6.011% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.887 Points$2,838 Points Fee
$4,828 Total Fees$1,990 Lender Fees
 30 Years Fixed
6.082% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.993 Points$3,178 Points Fee
$3,178 Total Fees$0 Lender Fees
 30 Years Fixed
6.104% APR 5.999% Rate 30 day rate lock $1,919 Payment per month
0.892 Points$2,854 Points Fee
$3,604 Total Fees$750 Lender Fees
 30 Years Fixed
6.184% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.626 Points$2,003 Points Fee
$2,003 Total Fees$0 Lender Fees
 30 Years Fixed
6.277% APR 6.125% Rate 45 day rate lock $1,945 Payment per month
0.625 Points$2,000 Points Fee
$5,200 Total Fees$3,200 Lender Fees
 30 Years Fixed
6.327% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.813 Points$2,602 Points Fee
$2,602 Total Fees$0 Lender Fees
 30 Years Fixed
6.455% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.844 Points$2,701 Points Fee
$2,701 Total Fees$0 Lender Fees
 30 Years Fixed
6.460% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.676 Points$2,163 Points Fee
$2,863 Total Fees$700 Lender Fees
 30 Years Fixed
7.068% APR 6.990% Rate 30 day rate lock $2,127 Payment per month
0.790 Points$2,528 Points Fee
$2,528 Total Fees$0 Lender Fees
 30 Years Fixed
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5.943% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.737 Points$2,358 Points Fee
$2,358 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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