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: 10/29/2025)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
5.737% APR 5.625% Rate 30 day rate lock $1,843 Payment per month
0.875 Points$2,800 Points Fee
$4,010 Total Fees$1,210 Lender Fees
 30 Years Fixed
5.829% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.860 Points$2,752 Points Fee
$2,752 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
5.953% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.502 Points$1,606 Points Fee
$2,701 Total Fees$1,095 Lender Fees
 30 Years Fixed
5.975% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.852 Points$2,726 Points Fee
$3,476 Total Fees$750 Lender Fees
 30 Years Fixed
5.996% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.723 Points$2,314 Points Fee
$4,201 Total Fees$1,887 Lender Fees
 30 Years Fixed
6.042% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.563 Points$1,802 Points Fee
$1,802 Total Fees$0 Lender Fees
 30 Years Fixed
6.059% APR 5.875% Rate 45 day rate lock $1,893 Payment per month
1.000 Points$3,200 Points Fee
$6,400 Total Fees$3,200 Lender Fees
 30 Years Fixed
6.112% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.981 Points$3,139 Points Fee
$3,839 Total Fees$700 Lender Fees
 30 Years Fixed
6.334% APR 6.240% Rate 30 day rate lock $1,969 Payment per month
1.000 Points$3,200 Points Fee
$3,200 Total Fees$0 Lender Fees
 30 Years Fixed
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5.806% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.605 Points$1,936 Points Fee
$1,936 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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