Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Current North Carolina Mortgage Rates & the Surrounding Area
Current rates from Langley Federal Credit Union include a 30 Year Fixed Rate at 4.990% (APR 5.165%). Langley Federal Credit Union has a 30 Year Fixed-Rate Mortgage available at 4.990%. Langley Federal Credit Union has a 30 Year Mortgage available at 4.990%. Wells Fargo has a 30-Year Fixed-Rate VA available at 5.500%.
Find the best mortgage and refinance rates in North Carolina today. Our real-time rate table below compares offers from top lenders to help you secure the lowest interest rate for your home loan. Use our free mortgage calculators to plan your purchase.
The following rates for informational purposes only, reflect recent market quotes and representative offers available to North Carolina borrowers. Actual mortgage rates may vary by lender, credit profile, and market conditions.
Last Updated and Verified: March 8, 2026
Current Mortgage Rates in North Carolina and the surrounding area
•30 Year Fixed Rate:
4.990%
•30 Year Fixed-Rate Mortgage:
4.990%
•30 Year Mortgage:
4.990%
•30-Year Fixed-Rate VA:
5.500%
•30 Year Fixed-Rate Mortgage Refinance:
5.750%
Rates displayed are for informational purposes only. Actual offers depend on credit score and profile. Verify terms with the lender.
Last Updated and Verified: March 8, 2026
Types of rates available in North Carolina include conforming mortgage rates, super conforming rates, jumbo rates, adjustable rates, HELOC rates and home equity loan rates. There are variations of each type of mortgage available in North Carolina listed below.
Bank or Credit Union
Product
Rate
APR
Langley Federal Credit Union6308 Falls Of Neuse Rd, Raleigh, NC 27615
30 Year Fixed Rate
4.990%
5.165%
▼
Interest Rate 4.990%
APR 5.165%
Points 0.000
Last Updated 03/08/2026
Loan Details
Langley Federal Credit Union6308 Falls Of Neuse Rd, Raleigh, NC 27615
30 Year Fixed-Rate Mortgage
4.990%
5.165%
▼
Interest Rate 4.990%
APR 5.165%
Points 0.000
Last Updated 03/08/2026
Loan Details
Langley Federal Credit Union6308 Falls Of Neuse Rd, Raleigh, NC 27615
30 Year Mortgage
4.990%
5.165%
▼
Interest Rate 4.990%
APR 5.165%
Points 0.000
Last Updated 03/08/2026
Loan Details
Wells Fargo1 Haywood St, Advance, NC 27006
30-Year Fixed-Rate VA
5.500%
5.690%
▼
Interest Rate 5.500%
APR 5.690%
Points 0.000
Last Updated 03/08/2026
Loan Details
Langley Federal Credit Union6308 Falls Of Neuse Rd, Raleigh, NC 27615
30 Year Fixed-Rate Mortgage Refinance
5.750%
5.842%
▼
Interest Rate 5.750%
APR 5.842%
Points 0.000
Last Updated 03/08/2026
Loan Details
Carolina Cooperative Federal Credit Union1207 Bessemer City Rd, Charlotte, NC 28052
VA 30 Year Fixed
5.625%
5.855%
▼
Interest Rate 5.625%
APR 5.855%
Points 0.000
Last Updated 03/08/2026
Loan Details
Rates effective as of 3/3/2026, 1:12:08 PM (ET). Rates are subject to change without notice based on market changes. Rates are based on a 45 day lock.
Founders Federal Credit Union11115 S Tryon St, Charlotte, NC 28110
30-Year Fixed
5.750%
5.891%
▼
Interest Rate 5.750%
APR 5.891%
Points 1.000
Last Updated 03/08/2026
Loan Details
LTV Up to 80%
Piedmont FSB1040 Southpark Blvd, Boone, NC 27012
30-Year Fixed
5.800%
5.897%
▼
Interest Rate 5.800%
APR 5.897%
Points 0.000
Last Updated 03/08/2026
Loan Details
The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $200,000 and an estimated property value of $250,000. The property is located in Winston-Salem, NC and is within Forsyth county. The property is an existing single family home and will be used as a primary residence. Assuming that an escrow (impound) account is being established. The rate lock period is 30 days with an assumed credit score of 780.
Baxter Credit Union3803 N Elm St, Greensboro, NC 27455
Jumbo 30 Year Fixed
5.875%
6.008%
▼
Interest Rate 5.875%
APR 6.008%
Points 0.000
Last Updated 03/08/2026
Loan Details
Baxter Credit Union3803 N Elm St, Greensboro, NC 27455
30 Year Fixed
5.875%
6.017%
▼
Interest Rate 5.875%
APR 6.017%
Points 0.000
Last Updated 03/08/2026
Loan Details
Proponent Federal Credit Union3504 Forestdale Dr, Burlington, NC 27215 4693
The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $200,000 and an estimated property value of $250,000. The property is located in Winston-Salem, NC and is within Forsyth county. The property is an existing single family home and will be used as a primary residence. Assuming that an escrow (impound) account is being established. The rate lock period is 30 days with an assumed credit score of 780.
Carolina Cooperative Federal Credit Union1207 Bessemer City Rd, Charlotte, NC 28052
30 Year Fixed
6.125%
6.220%
▼
Interest Rate 6.125%
APR 6.220%
Points 0.000
Last Updated 03/08/2026
Loan Details
Rates effective as of 3/3/2026, 1:12:08 PM (ET). Rates are subject to change without notice based on market changes. Rates are based on a 45 day lock.
Carolinas Telco Federal Credit Union20221 W Catawba Ave, Charlotte, NC 27612
Fixed Rate-First Mortgages 30-Year Fixed
6.250%
6.250%
▼
Interest Rate 6.250%
APR 6.250%
Points 0.000
Last Updated 03/08/2026
Loan Details
Downpayment as low as 5%, PMI
Wells Fargo1 Haywood St, Advance, NC 27006
30-Year Fixed Rate
6.125%
6.288%
▼
Interest Rate 6.125%
APR 6.288%
Points 0.000
Last Updated 03/08/2026
Loan Details
Fort Financial Federal Credit Union1475 N New Hope Rd, Gastonia, NC 28054
30-Year Fixed
6.250%
6.439%
▼
Interest Rate 6.250%
APR 6.439%
Points 0.000
Last Updated 03/08/2026
Loan Details
Carolinas Telco Federal Credit Union20221 W Catawba Ave, Charlotte, NC 27612
Disclaimer: The mortgage rates displayed are for informational purposes only. These estimates are based on specific lending criteria and may differ from the rate you are offered. Your actual rate will depend on your credit history, credit score, loan amount, and down payment. All rates are subject to change without notice. We recommend contacting the specific bank or credit union to confirm their current offers.
Methodology & Data Sources
Direct-Sourced & Verified Mortgage Rate Data:
We aggregate mortgage and refinance rates for North Carolina directly from the official websites of local lenders, credit unions, and national mortgage originators using a combination of our proprietary rate aggregation technology and a dedicated team of rate updaters. By pulling this data straight from the institutions' own digital properties and manually verifying the APRs daily, we ensure that every 30-year fixed, 15-year fixed, and ARM rate displayed on monitorbankrates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage:
Our systems and team constantly monitor the market to provide a complete picture of available home loan products in North Carolina. We feature a comprehensive mix of licensed NMLS financial institutions, allowing you to easily compare localized mortgage rates from neighborhood credit unions, competitive refinance offers from mid-sized regional banks, and home purchasing loans from large national originators available to borrowers in NC.
Daily Updates & Time-Stamped Accuracy:
To maintain the highest level of data integrity, our rate updaters verify and update mortgage rates daily. Because mortgage rates and APRs can fluctuate rapidly based on bond markets and economic conditions, every single loan product listed on our platform features its own specific "last updated" date. This gives you absolute transparency into exactly when that specific rate was confirmed.
Disclaimer: Mortgage rates and APRs are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions in North Carolina and your personal credit profile.
It is always advisable to check with the specific lender's official website for the most current offers, fees, and terms.
Last Updated and Verified: March 8, 2026
Mortgage Loan Options in North Carolina
Navigating the home loan market in North Carolina requires a clear understanding of the diverse financing paths available. Whether you are looking for long-term stability or a low down payment, North Carolina lenders offer several key products tailored to your specific financial profile and homeownership goals.
Common Financing Paths in North Carolina
Choosing the right mortgage can save you thousands of dollars over the life of your loan. Here are the primary options available to residents in the North Carolina area:
North Carolina Fixed-Rate Mortgages: This is the most popular choice for homeowners in North Carolina seeking predictability. With a fixed rate, your interest remains locked for the entire term (typically 15 or 30 years), ensuring your monthly principal and interest payments never change regardless of market fluctuations.
North Carolina Adjustable-Rate Mortgages (ARMs): ARMs often start with a lower "teaser" rate for an initial period—such as 5, 7, or 10 years—before adjusting based on current market conditions. This can be a savvy choice for North Carolina buyers who plan to move or refinance before the first adjustment period begins.
North Carolina FHA Loans: Insured by the Federal Housing Administration, these loans are a vital resource for borrowers in North Carolina with lower credit scores or limited savings for a down payment. FHA guidelines typically allow for down payments as low as 3.5%.
North Carolina VA Loans: Available to veterans, active-duty service members, and eligible surviving spouses, VA loans in North Carolina offer highly competitive rates and often require no down payment and no monthly private mortgage insurance (PMI).
Use Our Mortgage Calculators to Plan Your Purchase
Before committing to a property in North Carolina, run the numbers to ensure the mortgage fits your budget. Use our free tools to compare scenarios:
Analyze the APR, not just the RateThe interest rate is the cost of borrowing money, but the APR (Annual Percentage Rate) includes points and fees. The APR gives you a more accurate picture of the true cost of the loan.
Calculate the Impact of PointsDiscount points are fees paid upfront to lower your interest rate. Calculate the "break-even" period (cost of points divided by monthly savings) to see if paying points makes sense for how long you plan to stay in the home.
Compare Loan EstimatesDon't just look at advertised rates. Request official Loan Estimates from at least three different lenders in North Carolina. These documents standardize costs, making it easier to compare apples to apples.
Check Your Credit ScoreYour credit score significantly impacts the rate you are offered. Ensure your credit report is accurate before applying, as a higher score can save you thousands over the life of the loan.
Frequently Asked Questions for North Carolina
What are the current mortgage rates in North Carolina? ▼
Below is a list of current mortgage rates available for North Carolina. We track lenders daily to provide the most up-to-date interest rates, APRs, and point costs.
Lender / Product
Rate
APR
Langley Federal Credit Union
30 Year Fixed Rate
4.990%
5.165%
Langley Federal Credit Union
30 Year Fixed-Rate Mortgage
4.990%
5.165%
Langley Federal Credit Union
30 Year Mortgage
4.990%
5.165%
Wells Fargo
30-Year Fixed-Rate VA
5.500%
5.690%
Langley Federal Credit Union
30 Year Fixed-Rate Mortgage Refinance
5.750%
5.842%
Lender / Product
Rate
APR
Carolina Cooperative Federal Credit Union
VA 30 Year Fixed
5.625%
5.855%
Founders Federal Credit Union
30-Year Fixed
5.750%
5.891%
Piedmont FSB
30-Year Fixed
5.800%
5.897%
Baxter Credit Union
Jumbo 30 Year Fixed
5.875%
6.008%
Baxter Credit Union
30 Year Fixed
5.875%
6.017%
Rates displayed are for informational purposes only. Actual offers depend on credit score and profile. Verify terms with the lender.
Last Updated and Verified: March 8, 2026
What is a conforming mortgage in North Carolina? ▼
A conforming mortgage meets the dollar limits set by the Federal Housing Finance Agency (FHFA). These loans can be purchased by Fannie Mae and Freddie Mac, which typically results in lower interest rates compared to jumbo loans.
What is a jumbo loan in North Carolina? ▼
A jumbo loan is a mortgage that exceeds the conforming loan limits set by the FHFA. Because these loans cannot be sold to Fannie Mae or Freddie Mac, lenders take on more risk, often resulting in slightly higher interest rates or stricter credit requirements.
What are FHA loans? ▼
FHA loans are mortgages insured by the Federal Housing Administration. They are popular among first-time buyers because they allow for lower credit scores and smaller down payments. FHA rates are often competitive because the government guarantee reduces the lender's risk.
What factors affect mortgage rates in North Carolina? ▼
Mortgage rates in North Carolina are influenced by national economic trends, the Federal Reserve's monetary policy, and inflation. On a personal level, your credit score, down payment amount, and debt-to-income ratio will significantly impact the rate you are offered.
Is now a good time to refinance in North Carolina? ▼
Refinancing in North Carolina can be beneficial if current rates are lower than your existing mortgage rate, or if you want to shorten your loan term. Consider the closing costs and how long you plan to stay in the home to ensure the break-even point makes financial sense.
What is the difference between a fixed-rate and adjustable-rate mortgage? ▼
A fixed-rate mortgage maintains the same interest rate for the entire life of the loan, providing predictable monthly payments. An adjustable-rate mortgage (ARM) has a rate that can change after an initial fixed period, which might result in lower initial payments but carries the risk of rate increases later.
How does my credit score affect my mortgage rate? ▼
Your credit score is a major determinant of your mortgage rate. Borrowers with higher credit scores (typically 760 and above) qualify for the lowest rates, while those with lower scores may pay higher interest rates to offset the lender's risk.
What are mortgage points? ▼
Mortgage points, or discount points, are fees paid directly to the lender at closing in exchange for a reduced interest rate. One point costs 1% of your mortgage amount. Paying points can save you money over the long term if you plan to keep the mortgage for many years.
Are there specific loan programs for first-time buyers in North Carolina? ▼
Yes, many lenders in North Carolina offer programs for first-time buyers, including FHA loans which require lower down payments and credit scores. Additionally, there may be state-specific grants or down payment assistance programs available in North Carolina.
