Current North Carolina Mortgage Rates
Average market rates for December 03, 2025 in North Carolina are 6.25% for 30-year fixed purchase and 6.35% for 30-year fixed refinance
| Product | Rate | APR |
|---|
| 30-year Fixed Purchase | 6.25% | 6.28% |
| 30-year Fixed Refinance | 6.35% | 6.37% |
Rates based on market averages as of Dec 02, 2025.Mortgage Rate Trends in North Carolina
| Product | Rate | APR |
|---|
| 30-year Fixed Purchase | 6.25% | 6.28% |
| 30-year Fixed Refinance | 6.35% | 6.37% |
Rates based on market averages as of Dec 02, 2025.North Carolina Purchase Rates
| Product | Rate | APR |
|---|
| 15-year Fixed Purchase | 5.39% | 5.43% |
| 15-year Fixed Jumbo Purchase | 6.18% | 6.21% |
| 30-year Fixed Purchase | 6.25% | 6.28% |
| 30-year Fixed Jumbo Purchase | 6.84% | 6.85% |
Rates based on market averages as of Dec 02, 2025.North Carolina Refinance Rates
| Product | Rate | APR |
|---|
| 15-year Fixed Refinance | 5.37% | 5.41% |
| 15-year Fixed Jumbo Refinance | 6.17% | 6.20% |
| 30-year Fixed Refinance | 6.35% | 6.37% |
| 30-year Fixed Jumbo Refinance | 6.86% | 6.88% |
Rates based on market averages as of Dec 02, 2025.North Carolina ARM Rates
| Product | Rate | APR |
|---|
| 5/6 Arm (purchase) | 6.04% | 6.08% |
| 5/6 Arm (refinance) | 6.06% | 6.09% |
| 5/6 Jumbo Arm (purchase) | 5.87% | 5.88% |
| 5/6 Jumbo Arm (refinance) | 5.91% | 5.92% |
Rates based on market averages as of Dec 02, 2025.How we source rates and rate trends
×
Rate data in the charts and tables above comes from
RateUpdate.com.
The displayed rates come from multiple providers and represent market averages. Your mortgage rate will differ
based on individual factors like your credit score as well as differing loan types and terms offered by lenders.
Most Common Mortgage Types in North Carolina
- Conventional: 123,533 loans
- FHA: 17,099 loans
- USDA: 2,203 loans
- VA: 20,965 loans
Top Purchase Lenders in North Carolina by Volume
- State Employees Credit Union: 15,417 loans
- Movement Mortgage, LLC: 10,488 loans
- Rocket Mortgage, LLC: 6,816 loans
- Atlantic Bay Mortgage Group, L.l.c.: 6,059 loans
- Mortgage Research Center, LLC: 4,498 loans
- Fairway Independent Mortgage Corporation: 4,413 loans
- Wells Fargo Bank: 4,268 loans
- Truist Bank: 3,359 loans
- Guaranteed Rate, Inc.: 2,646 loans
- Navy Federal Credit Union: 2,578 loans
Top Refinance Lenders in North Carolina by Volume
- State Employees Credit Union: 12,249 loans
- First-citizens Bank & Trust Company: 2,445 loans
- Truist Bank: 2,167 loans
- Rocket Mortgage, LLC: 1,649 loans
- Local Government Federal Credit Union: 1,593 loans
- PNC Bank: 1,544 loans
- Truliant Federal Credit Union: 1,269 loans
- First National Bank Of Pennsylvania: 1,183 loans
- Wells Fargo Bank: 1,083 loans
- Bank Of America: 951 loans
Top Cash-Out Refinance Lenders in North Carolina by Volume
- Rocket Mortgage, LLC: 11,150 loans
- Loandepot.com, LLC: 2,569 loans
- Wells Fargo Bank: 2,129 loans
- Nationstar Mortgage LLC: 2,037 loans
- Freedom Mortgage Corporation: 1,987 loans
- Pennymac Loan Services, LLC: 1,453 loans
- Amerisave Mortgage Corporation: 1,356 loans
- Movement Mortgage, LLC: 1,106 loans
- Truist Bank: 991 loans
- Flagstar Bank, Fsb: 746 loans
How we source lender data
Meet the Author
The Refi.com team is compiled of journalists, editors, and mortgage industry professionals to ensure you have the most accurate information on mortgage refinancing.
