North Carolina mortgage rate benchmarks
| Loan type | Term | Median rate | Loans | Confidence |
|---|---|---|---|---|
| Conventional | 15-year | 5.77% | 677 | Strong evidenceBased on 677 loans — the estimate is steady at the 0.01-percentage-point precision shown. |
| Conventional | 20-year | 6.12% | 171 | Strong evidenceBased on 171 loans — the estimate is steady at the 0.01-percentage-point precision shown. |
| Conventional | 30-year | 6.46% | 12,479 | Strong evidenceBased on 12,479 loans — the estimate is steady at the 0.01-percentage-point precision shown. |
| FHA | 15-year | 6.17% | 30 | Moderate evidenceBased on 30 loans — one loan shifts the estimate by about 0.01 percentage points. |
| FHA | 20-year | 6.72% | 12 | Limited evidenceBased on 12 loans — with this few, one loan can shift the estimate by several hundredths of a percentage point. |
| FHA | 30-year | 6.08% | 2,793 | Strong evidenceBased on 2,793 loans — the estimate is steady at the 0.01-percentage-point precision shown. |
| VA | 15-year | 5.62% | 17 | Limited evidenceBased on 17 loans — with this few, one loan can shift the estimate by several hundredths of a percentage point. |
| VA | 30-year | 6.02% | 1,613 | Strong evidenceBased on 1,613 loans — the estimate is steady at the 0.01-percentage-point precision shown. |
| Jumbo | 15-year | 5.85% | 12 | Limited evidenceBased on 12 loans — with this few, one loan can shift the estimate by several hundredths of a percentage point. |
| Jumbo | 30-year | 6.43% | 314 | Strong evidenceBased on 314 loans — the estimate is steady at the 0.01-percentage-point precision shown. |
| ARM | 15-year | — | 8 | Limited evidenceBased on 8 loans — with this few, one loan can shift the estimate by several hundredths of a percentage point. |
| ARM | 20-year | — | 36 | Moderate evidenceBased on 36 loans — one loan shifts the estimate by about 0.01 percentage points. |
| ARM | 30-year | — | 3,375 | Strong evidenceBased on 3,375 loans — the estimate is steady at the 0.01-percentage-point precision shown. |
Recent rates in North Carolina
A sample of individual mortgage rates reported here — anonymized, and shown only where enough loans exist that no single borrower can be identified.
- North Carolina · Conventional5.99% *Earlier
- North Carolina · Jumbo6.50% *Earlier
- North Carolina · VA5.88% *Earlier
- North Carolina · Conventional7.50%Earlier
- North Carolina · Conventional6.50% *Earlier
- North Carolina · ARM6.38% *Earlier
- North Carolina · Conventional5.88% *Earlier
- North Carolina · VA5.99% *Earlier
* rate reflects points paid or lender credits, not a par rate
Add yours, and we can publish rates by credit score
These numbers come from public HMDA filings, which don’t include credit scores — so every median here mixes every credit profile together. Adding your mortgage — anonymously, in under a minute — is the only thing that can break these out by credit band.
Share your rateRate is a points-normalized estimate. Each row shows one loan purpose (purchase, where published); the leaf page for a row breaks out every purpose that publishes. From crowdsourced and public HMDA data, for comparison only. Not an offer, quote, or savings estimate.