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Mortgage Rates in North Carolina

84 real rates from borrowers and public HMDA records

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30-Yr Fixed Avg
6.148%
44 submissions
15-Yr Fixed Avg
5.750%
4 submissions
Total Submissions
84
Jan 2025 – Dec 2025
Lenders Reporting
8

Top Lenders in North Carolina

LenderAvg RateSubmissions
PennymacPennymac6.288%3
Cardinal FinancialCardinal Financial6.250%3
Guild MortgageGuild Mortgage6.417%3
Guaranteed RateGuaranteed Rate6.163%3
TruistTruist5.805%3
Fifth Third BankFifth Third Bank5.292%3
Regions BankRegions Bank6.333%3
loanDepotloanDepot4.990%3

Rate Trend by Month

MonthAvg RateSubmissions
Dec 20255.921%10
Nov 20255.982%7
Oct 20256.428%6
Sep 20256.500%3
Aug 20256.500%5
Jul 20256.323%12
Jun 20255.756%10
May 20256.498%4
Apr 20255.750%1
Mar 20255.689%13
Feb 20255.667%3
Jan 20256.113%10

Frequently Asked Questions

What is the average mortgage rate in North Carolina?
Based on 44 real 30-year fixed submissions, the average rate locked in North Carolina is 6.148%. This reflects what borrowers actually locked, not lender-advertised teaser rates.
How many mortgage rate submissions does HomeLoans.fyi have for North Carolina?
84 real rates from North Carolina, sourced from anonymous borrower submissions and public HMDA loan records.
What is the average VA loan rate in North Carolina?
The average VA 30-year rate locked in North Carolina is 6.042%, based on 11 submissions.
Which lenders have the most submissions in North Carolina?
Pennymac, Cardinal Financial, Guild Mortgage have the most submitted rates in North Carolina on HomeLoans.fyi.
Browse all North Carolina submissions →