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: 05/14/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
6.100% APR 5.990% Rate 15 day rate lock $1,917 Payment per month
0.565 Points$1,808 Points Fee
$3,803 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.235% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.739 Points$2,365 Points Fee
$3,760 Total Fees$1,395 Lender Fees
 30 Years Fixed
6.284% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.875 Points$2,800 Points Fee
$5,450 Total Fees$2,650 Lender Fees
 30 Years Fixed
6.287% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.972 Points$3,110 Points Fee
$9,910 Total Fees$6,800 Lender Fees
 30 Years Fixed
6.311% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.647 Points$2,070 Points Fee
$2,070 Total Fees$0 Lender Fees
 30 Years Fixed
6.337% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.610 Points$1,952 Points Fee
$2,952 Total Fees$1,000 Lender Fees
 30 Years Fixed
6.364% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.869 Points$2,781 Points Fee
$3,969 Total Fees$1,188 Lender Fees
 30 Years Fixed
6.385% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.964 Points$3,085 Points Fee
$4,579 Total Fees$1,494 Lender Fees
 30 Years Fixed
6.440% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.688 Points$2,202 Points Fee
$2,202 Total Fees$0 Lender Fees
 30 Years Fixed
6.743% APR 6.625% Rate 30 day rate lock $2,049 Payment per month
0.759 Points$2,429 Points Fee
$3,924 Total Fees$1,495 Lender Fees
 30 Years Fixed
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6.215% APR 6.124% Rate 30 day rate lock $1,945 Payment per month
0.971 Points$3,107 Points Fee
$3,107 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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