20-year ARM mortgage rates — Raleigh, NC
6.10%
Estimated median purchase rate · P25–P75 5.64%–7.15%
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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 rate- Loans in benchmark
- 36
- Evidence
- Moderate evidenceBased on 36 loans — one loan shifts the estimate by about 0.01 percentage points.
- Typical closing costs
- $4,170
- As of
- 2025-07-14
7.38%
Estimated median refinance rate · P25–P75 6.81%–7.57%
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 rate- Loans in benchmark
- 56
- Evidence
- Strong evidenceBased on 56 loans — the estimate is steady at the 0.01-percentage-point precision shown.
- Typical closing costs
- $7,180
- As of
- 2025-07-14
5.07%
Estimated median cash-out refinance rate · P25–P75 5.01%–5.36%
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 rate- Loans in benchmark
- 12
- Evidence
- Limited evidenceBased on 12 loans — with this few, one loan can shift the estimate by several hundredths of a percentage point.
- Typical closing costs
- $3,420
- As of
- 2025-07-14
Rate is a points-normalized estimate (each loan adjusted toward its zero-point equivalent using a standard ~0.25%/point buydown assumption), shown alongside typical closing costs so rate and cost are weighed together — a lower rate often comes with higher points or fees. From crowdsourced and public HMDA data, for comparison only. Not an offer, quote, or savings estimate.