North Carolina

Today's North Carolina (NC) Mortgage Rates


McGlone Mortgage Group
NMLS # 3232
State Lic # L-159358
3.750% APR
3.750% RATE
0 Points
40 day lock
Fees: $0
Monthly Payment
$1,157.79

NEXT  

AnnieMac Home Mortgage
NMLS # 338923
State Lic # L-150980
3.751% APR
3.750% RATE
0 Points
30 day lock
Fees: $40
Monthly Payment
$1,157.79

NEXT  

Cornerstone Home Lending
NMLS # 2258
State Lic # L-137389
3.792% APR
3.750% RATE
0 Points
30 day lock
Fees: $1,295
Monthly Payment
$1,157.79

NEXT  

eRates Mortgage
NMLS # 1071
State Lic # L-121400
3.875% APR
3.875% RATE
0 Points
30 day lock
Fees: $0
Monthly Payment
$1,175.59

NEXT  

Triumph Bank Home Loans
NMLS # 258821
State Lic # L-121400
3.750% APR
3.750% RATE
0 Points
30 day lock
Fees: $0
Monthly Payment
$1,157.79

NEXT  

EverBank
NMLS # 399805
State Lic # L-121400
3.930% APR
3.875% RATE
0 Points
30 day lock
Fees: $1,665
Monthly Payment
$1,175.59

NEXT  

ConsumerDirect Mortgage, a division of First Bank
NMLS # 790396
State Lic # L-121400
3.750% APR
3.750% RATE
0 Points
30 day lock
Fees: $0
Monthly Payment
$1,157.79

NEXT  

Sebonic Financial
State Lic # L-121400
3.758% APR
3.750% RATE
0 Points
30 day lock
Fees: $257
Monthly Payment
$1,157.79

NEXT  

Home Point Financial
NMLS # 7706
State Lic # L-121400
3.875% APR
3.875% RATE
0 Points
30 day lock
Fees: $0
Monthly Payment
$1,175.59

NEXT  

Ally Bank
NMLS # 181005
State Lic # L-121400
4.029% APR
4.000% RATE
0 Points
45 day lock
Fees: $870
Monthly Payment
$1,193.54

NEXT  

Aurora Financial
State Lic # L-121400
6.125% APR
6.125% RATE
0 Points
30 day lock
Fees: $0
Monthly Payment
$1,519.03

NEXT  

Residential Mortgage Services, Inc
NMLS # 1760
State Lic # L-121400
3.698% APR
3.625% RATE
0 Points
45 day lock
Fees: $2,246
Monthly Payment
$1,140.13

NEXT  

Rates were collected by Bankrate.com on the dates specified. Rates are subject to change without notice and may vary from branch to branch. APR and Payment examples shown do not include amounts for taxes and insurance premiums. The monthly payment obligation will be greater if taxes and insurance are included.


North Carolina (NC) Mortgage Rates & Mortgage Loan Data – Prior Year

  • Loan originated: 2,368,468
  • Application denied by financial institution: 890,246
  • Loan purchased by the institution: 858,958
  • Application withdrawn by applicant: 459,503
  • Application approved but not accepted: 233,362
  • File closed for incompleteness: 141,430
  • Preapproval request denied by financial institution: 567
  • Preapproval request approved but not accepted: 58

  • Refinancing: 2,830,653
  • Home purchase: 1,882,805
  • Home improvement: 239,134

  • Conventional: 3,683,036
  • FHA-insured: 759,366
  • VA-guaranteed: 399,829
  • FSA/RHS-guaranteed: 110,361

  • White: 3,268,479
  • Black or African American: 558,597
  • Information not provided by applicant in mail, Internet, or telephone application: 528,202
  • Not applicable: 442,598
  • Asian: 111,223
  • American Indian or Alaska Native: 30,989
  • Native Hawaiian or Other Pacific Islander: 12,504

  • Not Hispanic or Latino: 3,817,299
  • Information not provided by applicant in mail, Internet, or telephone application: 534,106
  • Not applicable: 443,795
  • Hispanic or Latino: 157,392

  • Male: 2,896,220
  • Female: 1,309,507
  • Not applicable: 442,184
  • Information not provided by applicant in mail, Internet, or telephone application: 304,681

  • Consumer Financial Protection Bureau: 1,339,987
  • Department of Housing and Urban Development: 1,290,090
  • Office of the Comptroller of the Currency: 913,675
  • Federal Deposit Insurance Corporation: 471,856
  • Federal Reserve System: 439,092
  • Office of Thrift Supervision: 273,094
  • National Credit Union Administration: 224,798

  • Wake County: 651,031
  • Mecklenburg County: 606,257
  • Guilford County: 239,422
  • Cumberland County: 170,636
  • Forsyth County: 166,804
  • Durham County: 149,364
  • Union County: 146,613
  • Buncombe County: 136,497
  • New Hanover County: 131,451
  • Cabarrus County: 112,713
  • Onslow County: 107,507
  • Johnston County: 100,318
  • Gaston County: 99,986
  • Iredell County: 95,331
  • Brunswick County: 92,678
  • Davidson County: 70,964
  • Catawba County: 68,289
  • Alamance County: 67,831
  • Pitt County: 66,838
  • Orange County: 66,744
  • Henderson County: 61,493
  • Harnett County: 61,186
  • Rowan County: 56,243
  • Randolph County: 55,684
  • Craven County: 52,301
  • Moore County: 51,840
  • Carteret County: 47,196
  • Lincoln County: 41,650
  • Wayne County: 41,423
  • Dare County: 40,587
  • Cleveland County: 36,933
  • Nash County: 35,745
  • Rockingham County: 34,821
  • Chatham County: 34,115
  • Pender County: 33,183
  • Caldwell County: 31,816
  • Haywood County: 31,430
  • Hoke County: 30,945
  • Franklin County: 30,509
  • Burke County: 29,968
  • Robeson County: 27,746
  • Wilson County: 26,762
  • Surry County: 25,759
  • Watauga County: 25,126
  • Rutherford County: 24,952
  • Granville County: 24,582
  • Currituck County: 23,983
  • Lee County: 23,824
  • Wilkes County: 21,171
  • Pasquotank County: 20,713
  • Davie County: 20,136
  • Macon County: 19,423
  • Stanly County: 19,221
  • Stokes County: 18,137
  • Jackson County: 17,625
  • Beaufort County: 17,127
  • Sampson County: 16,912
  • Columbus County: 16,697
  • Lenoir County: 16,511
  • Unknown: 16,370
  • Transylvania County: 16,284
  • Person County: 16,052
  • McDowell County: 15,544
  • Cherokee County: 14,867
  • Halifax County: 14,819
  • Duplin County: 13,698
  • Edgecombe County: 13,328
  • Yadkin County: 12,843
  • Alexander County: 12,325
  • Richmond County: 11,988
  • Vance County: 11,770
  • Ashe County: 11,270
  • Avery County: 9,533
  • Scotland County: 9,233
  • Polk County: 8,905
  • Bladen County: 8,903
  • Montgomery County: 8,857
  • Madison County: 8,610
  • Caswell County: 7,725
  • Yancey County: 7,657
  • Warren County: 7,132
  • Perquimans County: 6,846
  • Camden County: 6,766
  • Clay County: 6,606
  • Chowan County: 6,427
  • Hertford County: 6,422
  • Martin County: 6,337
  • Anson County: 6,285
  • Northampton County: 6,161
  • Mitchell County: 5,945
  • Pamlico County: 5,756
  • Gates County: 5,519
  • Swain County: 5,211
  • Bertie County: 5,094
  • Alleghany County: 4,744
  • Greene County: 4,399
  • Jones County: 3,873
  • Washington County: 3,465
  • Graham County: 3,060
  • Hyde County: 1,888

  • Unknown: 1,132,261
  • Raleigh, Cary – NC: 646,131
  • Charlotte, Gastonia, Concord – NC, SC: 401,453
  • Charlotte, Gastonia, Rock Hill – NC, SC: 400,580
  • Greensboro, High Point – NC: 329,808
  • Wilmington – NC: 240,142
  • Asheville – NC: 237,754
  • Winston, Salem – NC: 229,677
  • Charlotte, Concord, Gastonia – NC, SC: 202,037
  • Fayetteville – NC: 201,295
  • Durham, Chapel Hill – NC: 200,741
  • Hickory, Lenoir, Morganton – NC: 142,333
  • Raleigh – NC: 135,471
  • Jacksonville – NC: 107,396
  • Greenville – NC: 70,404
  • Burlington – NC: 67,796
  • Durham – NC: 65,458
  • Rocky Mount – NC: 49,006
  • Goldsboro – NC: 41,324
  • Virginia Beach, Norfolk, Newport News – VA, NC: 24,957
  • Myrtle Beach, Conway, North Myrtle Beach – SC, NC: 16,954
  • New Bern – NC: 9,614

  • Unknown: 4,337,505
  • Credit history: 184,780
  • Collateral: 134,782
  • Debt-to-income ratio: 124,998
  • Other: 72,396
  • Credit application incomplete: 54,673
  • Unverifiable information: 21,230
  • Insufficient cash (downpayment, closing costs): 13,438
  • Employment history: 7,914
  • Mortgage insurance denied: 876

  • Not a HOEPA loan: 4,952,293
  • HOEPA loan: 299

  • Secured by a first lien: 3,842,492
  • Not applicable: 858,958
  • Secured by a subordinate lien: 163,557
  • Not secured by a lien: 87,585

  • Owner-occupied as a principal dwelling: 4,396,297
  • Not owner-occupied as a principal dwelling: 542,205
  • Not applicable: 14,090

  • One-to-four family dwelling (other than manufactured housing): 4,710,506
  • Manufactured housing: 236,167
  • Multifamily dwelling: 5,919

  • Loan was not originated or was not sold in calendar year covered by register: 2,591,789
  • Fannie Mae (FNMA): 602,306
  • Freddie Mac (FHLMC): 471,239
  • Ginnie Mae (GNMA): 454,094
  • Commercial bank, savings bank or savings association: 271,953
  • Affiliate institution: 217,145
  • Life insurance company, credit union, mortgage bank, or finance company: 162,850
  • Other type of purchaser: 155,378
  • Private securitization: 25,376
  • Farmer Mac (FAMC): 462