Mortgage Rates North Carolina (NC) for March 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of lenders actively lending in North Carolina. Our editorial content is independent of any advertiser relationships.
Current 30-year fixed mortgage rates in North Carolina as of March 20, 2026 are as follows, according to verified data from MonitorBankRates: Carolinas Telco Federal Credit UnionCarolinas Telco Federal Credit Union20221 W Catawba Ave, Charlotte, NC, 27612A+5.0 ★Texas Ratio: 4.17% at 5.75%, Langley Federal Credit UnionLangley Federal Credit Union6308 Falls of Neuse Rd, Raleigh, NC, 27615A5.0 ★Texas Ratio: 11.01% at 5.88%, Baxter Credit UnionBaxter Credit Union3803 N Elm St, Greensboro, NC, 27455A5.0 ★Texas Ratio: 7.73% at 6.00%, Proponent Federal Credit UnionProponent Federal Credit Union3504 Forestdale Dr, Burlington, NC, 27215 4693A5.0 ★Texas Ratio: 6.01% at 5.88%, and Riverside Savings BankRiverside Savings Bank325 Becker Dr, Roanoke Rapids, NC, 27870A+5.0 ★Texas Ratio: 0.00% at 5.88%.
Mortgage rates in North Carolina (NC) are continually updated to reflect market conditions. Whether you are purchasing a home or refinancing, comparing current loan options across top-rated local lenders and national banks is critical. We empower borrowers with transparent financial health metrics — including A-F Safety Grades, verified Star Ratings, and Texas Ratios — so you can confidently choose a stable, highly-rated institution.
Mortgage Rates reflect actual verified offers from lenders actively lending to North Carolina borrowers. Your final approved rate will depend on your credit profile, loan-to-value ratio, and daily market movements. Last Updated and Verified: March 20, 2026
North Carolina Mortgage Rate Trends
Compare local North Carolina mortgage rate quotes against the statewide average
Weekly mortgage rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
30-Year Fixed — NC Avg
6.348%
▲ 0.263 from last week
For buyers in North Carolina, the broader North Carolina 30-year fixed average mortgage rate rose 0.263 points this week to 6.348%, according to MonitorBankRates trend data.
15-Year Fixed — NC Avg
5.835%
▼ 1.936 from last week
For buyers in North Carolina, the broader North Carolina 15-year fixed average mortgage rate fell 1.936 points this week to 5.835%, according to MonitorBankRates trend data.
As of Mar 20, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Compare Mortgage Rates Today in North Carolina
Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
20221 W Catawba Ave, Charlotte, NC, 27612
Fixed Rate-First Mortgages 30-Year Fixed
30
5.75%
5.75%
▼
Rate5.75%
APR5.75%
Points0.000
UpdatedMar 18, 2026
Details
As Low As
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
6308 Falls of Neuse Rd, Raleigh, NC, 27615
30 Year Fixed Rate
5.88%
5.97%
▼
Rate5.88%
APR5.97%
Points0.000
UpdatedMar 20, 2026
Details
No additional details available.
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
6308 Falls of Neuse Rd, Raleigh, NC, 27615
30 Year Fixed-Rate Mortgage
5.88%
5.97%
▼
Rate5.88%
APR5.97%
Points0.000
UpdatedMar 20, 2026
Details
No additional details available.
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
6308 Falls of Neuse Rd, Raleigh, NC, 27615
30 Year Fixed-Rate Mortgage Refinance
5.88%
5.97%
▼
Rate5.88%
APR5.97%
Points0.000
UpdatedMar 20, 2026
Details
No additional details available.
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
3803 N Elm St, Greensboro, NC, 27455
30-Year Fixed Mortgage
6.00%
6.00%
▼
Rate6.00%
APR6.00%
Points0.000
UpdatedMar 18, 2026
Details
As Low As; POINTS MAY APPLY
Proponent Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.01%
3504 Forestdale Dr, Burlington, NC, 27215 4693
30-Year Fixed
30-Year Term
5.88%
6.06%
▼
Rate5.88%
APR6.06%
Points0.000
UpdatedMar 17, 2026
Details
No additional details available.
Riverside Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
325 Becker Dr, Roanoke Rapids, NC, 27870
30 Year Fixed Conventional Primary Home
30
5.88%
6.06%
▼
Rate5.88%
APR6.06%
Points0.000
UpdatedMar 11, 2026
Details
No additional details available.
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
11115 S Tryon St, Charlotte, NC, 28110
30-Year Fixed
30
6.00%
6.14%
▼
Rate6.00%
APR6.14%
Points1.000
UpdatedMar 20, 2026
Details
No additional details available.
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
3803 N Elm St, Greensboro, NC, 27455
30 Year Fixed
30
6.00%
6.16%
▼
Rate6.00%
APR6.16%
Points0.625
UpdatedMar 18, 2026
Details
As Low As
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
100 Mast Dr, Aberdeen, NC, 27006
30-Year Fixed
360
6.10%
6.26%
▼
Rate6.10%
APR6.26%
Points0.566
UpdatedMar 15, 2026
Details
No additional details available.
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
100 Mast Dr, Aberdeen, NC, 27006
30-Year Fixed
360
6.12%
6.32%
▼
Rate6.12%
APR6.32%
Points0.927
UpdatedMar 15, 2026
Details
No additional details available.
Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
1207 Bessemer City Rd, Charlotte, NC, 28052
30 Year Fixed
6.25%
6.35%
▼
Rate6.25%
APR6.35%
Points0.000
UpdatedMar 18, 2026
Details
No additional details available.
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
100 Queens Rd, Advance, NC, 27006
30 Year Fixed (Conforming-Purchase)
6.25%
6.36%
▼
Rate6.25%
APR6.36%
Points0.000
UpdatedMar 17, 2026
Details
No additional details available.
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
100 Queens Rd, Advance, NC, 27006
30 Year Fixed (Conforming-Purchase)1
6.25%
6.36%
▼
Rate6.25%
APR6.36%
Points0.000
UpdatedMar 17, 2026
Details
No additional details available.
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
20221 W Catawba Ave, Charlotte, NC, 27612
30-Year Fixed
30
6.38%
6.38%
▼
Rate6.38%
APR6.38%
Points0.000
UpdatedMar 18, 2026
Details
As Low As
Piedmont FSB
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
1040 Southpark Blvd, Boone, NC, 27012
30-Year Fixed
6.30%
6.40%
▼
Rate6.30%
APR6.40%
Points0.875
UpdatedMar 15, 2026
Details
No additional details available.
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1 Haywood St, Advance, NC, 27006
30-Year Fixed Rate
6.25%
6.40%
▼
Rate6.25%
APR6.40%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
1801 South Blvd, Charlotte, NC, 28078
30-year fixed refinance
30-year
6.38%
6.54%
▼
Rate6.38%
APR6.54%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Piedmont FSB
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
1040 Southpark Blvd, Boone, NC, 27012
30-Year Fixed First-Time Homebuyer
6.60%
6.62%
▼
Rate6.60%
APR6.62%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
1475 N New Hope Rd, Gastonia, NC, 28054
30-Year Fixed
6.50%
6.69%
▼
Rate6.50%
APR6.69%
Points0.000
UpdatedMar 20, 2026
Details
No additional details available.
First Bank (NC)
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
10 Chinquapin Rd, Aberdeen, NC, 27027
30-year Fixed-rate Mortgage
30
7.00%
7.20%
▼
Rate7.00%
APR7.20%
Points1.000
UpdatedMar 20, 2026
Details
For a $300,000 mortgage loan for a term of: 30 years fixed interest rate of 7%, with an APR of 7.197%, the monthly payment would be $1,995.91. Based on 80% loan to value and 1% Discount Points. Payment does not include taxes and insurance premiums. The actual payment amount will be greater. These payments are based on recent interest rates and can vary based on individual credit.
Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
20221 W Catawba Ave, Charlotte, NC, 27612
Fixed Rate-First Mortgages 15-Year Fixed
15
5.25%
5.25%
▼
Rate5.25%
APR5.25%
Points0.000
UpdatedMar 18, 2026
Details
As Low As
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
3803 N Elm St, Greensboro, NC, 27455
15-Year Fixed Mortgage
5.38%
5.38%
▼
Rate5.38%
APR5.38%
Points0.000
UpdatedMar 18, 2026
Details
As Low As; POINTS MAY APPLY
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
11115 S Tryon St, Charlotte, NC, 28110
15-Year Fixed
15
5.25%
5.43%
▼
Rate5.25%
APR5.43%
Points1.000
UpdatedMar 20, 2026
Details
No additional details available.
Riverside Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
325 Becker Dr, Roanoke Rapids, NC, 27870
15 Year Fixed Conventional Primary Home
15
5.12%
5.43%
▼
Rate5.12%
APR5.43%
Points0.000
UpdatedMar 11, 2026
Details
No additional details available.
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
6308 Falls of Neuse Rd, Raleigh, NC, 27615
15 Year Fixed Mortgage Refinance
15 Year
5.38%
5.50%
▼
Rate5.38%
APR5.50%
Points0.000
UpdatedMar 20, 2026
Details
No additional details available.
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
6308 Falls of Neuse Rd, Raleigh, NC, 27615
15 Year Fixed-Rate Mortgage
5.38%
5.51%
▼
Rate5.38%
APR5.51%
Points0.000
UpdatedMar 20, 2026
Details
No additional details available.
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
6308 Falls of Neuse Rd, Raleigh, NC, 27615
15 Year Fixed-Rate Mortgage Refinance
5.38%
5.51%
▼
Rate5.38%
APR5.51%
Points0.000
UpdatedMar 20, 2026
Details
No additional details available.
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
3803 N Elm St, Greensboro, NC, 27455
15 Year Fixed
15
5.38%
5.65%
▼
Rate5.38%
APR5.65%
Points0.750
UpdatedMar 18, 2026
Details
As Low As
Proponent Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.01%
3504 Forestdale Dr, Burlington, NC, 27215 4693
15-Year Fixed
15-Year Term
5.38%
5.67%
▼
Rate5.38%
APR5.67%
Points0.000
UpdatedMar 17, 2026
Details
No additional details available.
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
100 Mast Dr, Aberdeen, NC, 27006
15-Year Fixed
180
5.38%
5.68%
▼
Rate5.38%
APR5.68%
Points0.902
UpdatedMar 15, 2026
Details
No additional details available.
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
100 Mast Dr, Aberdeen, NC, 27006
15-Year Fixed
180
5.38%
5.70%
▼
Rate5.38%
APR5.70%
Points0.982
UpdatedMar 15, 2026
Details
No additional details available.
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1 Haywood St, Advance, NC, 27006
15-Year Fixed Rate
5.50%
5.73%
▼
Rate5.50%
APR5.73%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Piedmont FSB
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
1040 Southpark Blvd, Boone, NC, 27012
15-Year Fixed
5.67%
5.86%
▼
Rate5.67%
APR5.86%
Points1.000
UpdatedMar 15, 2026
Details
No additional details available.
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
20221 W Catawba Ave, Charlotte, NC, 27612
15-Year Fixed
15
5.88%
5.88%
▼
Rate5.88%
APR5.88%
Points0.000
UpdatedMar 18, 2026
Details
As Low As
Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
1207 Bessemer City Rd, Charlotte, NC, 28052
15 Year Fixed
5.75%
5.91%
▼
Rate5.75%
APR5.91%
Points0.000
UpdatedMar 18, 2026
Details
No additional details available.
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
100 Queens Rd, Advance, NC, 27006
15 Year Fixed (Conforming-Purchase)
5.88%
6.05%
▼
Rate5.88%
APR6.05%
Points0.250
UpdatedMar 17, 2026
Details
No additional details available.
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
100 Queens Rd, Advance, NC, 27006
15 Year Fixed (Conforming-Purchase)1
5.88%
6.05%
▼
Rate5.88%
APR6.05%
Points0.250
UpdatedMar 17, 2026
Details
No additional details available.
First Bank (NC)
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
10 Chinquapin Rd, Aberdeen, NC, 27027
15-year Fixed-rate Mortgage
15
5.99%
6.29%
▼
Rate5.99%
APR6.29%
Points1.000
UpdatedMar 20, 2026
Details
For a $300,000 mortgage loan for a term of: 15 years fixed interest rate of 5.99%, with an APR of 6.293%, the monthly payment would be $2,529.95. Based on 80% loan to value and 1% Discount Points. Payment does not include taxes and insurance premiums. The actual payment amount will be greater. These payments are based on recent interest rates and can vary based on individual credit.
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
1475 N New Hope Rd, Gastonia, NC, 28054
15-Year Fixed
6.00%
6.31%
▼
Rate6.00%
APR6.31%
Points0.000
UpdatedMar 20, 2026
Details
No additional details available.
Latino Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
100 W Morgan St, Carrboro, NC, 27103 3037
15 year Fixed
15
7.25%
7.41%
▼
Rate7.25%
APR7.41%
Points0.000
UpdatedMar 17, 2026
Details
No additional details available.
Latino Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
100 W Morgan St, Carrboro, NC, 27103 3037
15 year Fixed
15
7.50%
7.66%
▼
Rate7.50%
APR7.66%
Points0.000
UpdatedMar 17, 2026
Details
No additional details available.
Riverside Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
325 Becker Dr, Roanoke Rapids, NC, 27870
15 Year Fixed Lot Loan
15
8.00%
8.34%
▼
Rate8.00%
APR8.34%
Points0.000
UpdatedMar 11, 2026
Details
No additional details available.
Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
Piedmont FSB
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
1040 Southpark Blvd, Boone, NC, 27012
5/1 Adjustable
5.42%
4.63%
▼
Rate5.42%
APR4.63%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
11115 S Tryon St, Charlotte, NC, 28110
7/1 Adjustable Rate
7/1
5.38%
5.48%
▼
Rate5.38%
APR5.48%
Points1.000
UpdatedMar 20, 2026
Details
No additional details available.
Peoples Bank (NC)
Institution Rating:
A+5.0 ★Texas Ratio: 3.07%
106 N Main St, Cary, NC, 27519
Special Rate 7/1 Adjustable Rate Loan
5.65%
5.74%
▼
Rate5.65%
APR5.74%
Points0.000
UpdatedMar 15, 2026
Details
As Low As
Riverside Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
325 Becker Dr, Roanoke Rapids, NC, 27870
FHA/VA
30
5.25%
5.83%
▼
Rate5.25%
APR5.83%
Points0.000
UpdatedMar 11, 2026
Details
No additional details available.
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
11115 S Tryon St, Charlotte, NC, 28110
15/15 Adjustable Rate
15/15
5.75%
5.86%
▼
Rate5.75%
APR5.86%
Points1.000
UpdatedMar 20, 2026
Details
No additional details available.
Proponent Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.01%
3504 Forestdale Dr, Burlington, NC, 27215 4693
7/1
30-Year Term
5.38%
5.86%
▼
Rate5.38%
APR5.86%
Points0.000
UpdatedMar 17, 2026
Details
Fixed for 7 years and then adjusts yearly.
Proponent Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.01%
3504 Forestdale Dr, Burlington, NC, 27215 4693
7/1 Adjustable Rate
30-Year Term
5.38%
5.86%
▼
Rate5.38%
APR5.86%
Points0.000
UpdatedMar 17, 2026
Details
Fixed for 7 years and then adjusts yearly.
Proponent Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.01%
3504 Forestdale Dr, Burlington, NC, 27215 4693
10/1 Adjustable Rate
30-Year Term
5.62%
5.93%
▼
Rate5.62%
APR5.93%
Points0.000
UpdatedMar 17, 2026
Details
Fixed for 10 years and then adjusts yearly.
Proponent Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.01%
3504 Forestdale Dr, Burlington, NC, 27215 4693
5/1
30-Year Term
5.38%
5.94%
▼
Rate5.38%
APR5.94%
Points0.000
UpdatedMar 17, 2026
Details
Fixed for 5 years and then adjusts yearly.
Proponent Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.01%
3504 Forestdale Dr, Burlington, NC, 27215 4693
5/1 Adjustable Rate
30-Year Term
5.38%
5.94%
▼
Rate5.38%
APR5.94%
Points0.000
UpdatedMar 17, 2026
Details
Fixed for 5 years and then adjusts yearly.
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
100 Queens Rd, Advance, NC, 27006
5/1 ARM (Conforming-30 year term)
5.62%
5.96%
▼
Rate5.62%
APR5.96%
Points0.250
UpdatedMar 17, 2026
Details
No additional details available.
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
100 Queens Rd, Advance, NC, 27006
10/1 ARM (Jumbo 30 year term) Higher Educator Program
5.88%
5.97%
▼
Rate5.88%
APR5.97%
Points0.000
UpdatedMar 17, 2026
Details
No additional details available.
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
100 Queens Rd, Advance, NC, 27006
10/1 ARM (Jumbo-30 year term) Medical Professional Program
5.88%
5.97%
▼
Rate5.88%
APR5.97%
Points0.000
UpdatedMar 17, 2026
Details
No additional details available.
Proponent Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.01%
3504 Forestdale Dr, Burlington, NC, 27215 4693
3/1
30-Year Term
5.25%
5.99%
▼
Rate5.25%
APR5.99%
Points0.000
UpdatedMar 17, 2026
Details
Fixed for 3 years and then adjusts yearly.
Proponent Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.01%
3504 Forestdale Dr, Burlington, NC, 27215 4693
3/1 Adjustable Rate
30-Year Term
5.25%
5.99%
▼
Rate5.25%
APR5.99%
Points0.000
UpdatedMar 17, 2026
Details
Fixed for 3 years and then adjusts yearly.
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
100 Queens Rd, Advance, NC, 27006
7/1 ARM (Conforming-30 year term)
5.88%
6.04%
▼
Rate5.88%
APR6.04%
Points0.250
UpdatedMar 17, 2026
Details
No additional details available.
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
100 Queens Rd, Advance, NC, 27006
10/1 ARM (Jumbo-30 year term)
6.00%
6.05%
▼
Rate6.00%
APR6.05%
Points0.000
UpdatedMar 17, 2026
Details
No additional details available.
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
6308 Falls of Neuse Rd, Raleigh, NC, 27615
5/1 Adjustable Rate Mortgage
5.50%
6.07%
▼
Rate5.50%
APR6.07%
Points0.000
UpdatedMar 20, 2026
Details
No additional details available.
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
6308 Falls of Neuse Rd, Raleigh, NC, 27615
5/5 Adjustable Rate
5.50%
6.07%
▼
Rate5.50%
APR6.07%
Points0.000
UpdatedMar 20, 2026
Details
As Low As
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
6308 Falls of Neuse Rd, Raleigh, NC, 27615
3/1 Adjustable Rate Mortgage
5.25%
6.10%
▼
Rate5.25%
APR6.10%
Points0.000
UpdatedMar 20, 2026
Details
No additional details available.
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
100 Queens Rd, Advance, NC, 27006
7/1 ARM (Jumbo-30 year term)
6.12%
6.12%
▼
Rate6.12%
APR6.12%
Points0.250
UpdatedMar 17, 2026
Details
No additional details available.
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
6308 Falls of Neuse Rd, Raleigh, NC, 27615
First Time Home Buyer 5/1 Adjustable Rate Mortgage
5.88%
6.12%
▼
Rate5.88%
APR6.12%
Points0.000
UpdatedMar 20, 2026
Details
No additional details available.
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
3803 N Elm St, Greensboro, NC, 27455
5/1 Year ARM
5.12%
6.17%
▼
Rate5.12%
APR6.17%
Points1.000
UpdatedMar 18, 2026
Details
As Low As
U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
1801 South Blvd, Charlotte, NC, 28078
Jumbo adjustable-rate mortgage (ARM) loans 5/1 yr
5/1 yr
5.75%
6.20%
▼
Rate5.75%
APR6.20%
Points0.680
UpdatedMar 15, 2026
Details
No additional details available.
U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
1801 South Blvd, Charlotte, NC, 28078
Jumbo adjustable-rate mortgage (ARM) loans 7/1 yr
7/1 yr
5.88%
6.21%
▼
Rate5.88%
APR6.21%
Points0.760
UpdatedMar 15, 2026
Details
No additional details available.
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
6308 Falls of Neuse Rd, Raleigh, NC, 27615
5/5 Jumbo Adjustable Rate Mortgage
6.38%
6.23%
▼
Rate6.38%
APR6.23%
Points0.000
UpdatedMar 20, 2026
Details
No additional details available.
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1 Haywood St, Advance, NC, 27006
7/6-Month ARM
5.88%
6.27%
▼
Rate5.88%
APR6.27%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
1801 South Blvd, Charlotte, NC, 28078
Conforming adjustable-rate mortgage (ARM) loans 7/6 mo
7/6 mo
5.88%
6.29%
▼
Rate5.88%
APR6.29%
Points0.932
UpdatedMar 15, 2026
Details
No additional details available.
Latino Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
100 W Morgan St, Carrboro, NC, 27103 3037
5 year ARM
30
6.88%
6.29%
▼
Rate6.88%
APR6.29%
Points0.000
UpdatedMar 17, 2026
Details
Maximum Term: 30 years
U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
1801 South Blvd, Charlotte, NC, 28078
Jumbo adjustable-rate mortgage (ARM) loans 10/1 yr
10/1 yr
6.12%
6.32%
▼
Rate6.12%
APR6.32%
Points0.725
UpdatedMar 15, 2026
Details
No additional details available.
U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
1801 South Blvd, Charlotte, NC, 28078
Conforming adjustable-rate mortgage (ARM) loans 10/6 mo
10/6 mo
6.12%
6.38%
▼
Rate6.12%
APR6.38%
Points0.936
UpdatedMar 15, 2026
Details
No additional details available.
Latino Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
100 W Morgan St, Carrboro, NC, 27103 3037
5 year ARM - Manufactured Home
15
6.88%
6.60%
▼
Rate6.88%
APR6.60%
Points0.000
UpdatedMar 17, 2026
Details
Maximum Term: 30 years
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
11115 S Tryon St, Charlotte, NC, 28110
7/1 Adjustable First Time Homebuyer
7/1
6.62%
6.64%
▼
Rate6.62%
APR6.64%
Points0.000
UpdatedMar 20, 2026
Details
No additional details available.
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
20221 W Catawba Ave, Charlotte, NC, 27612
30-Year, 5/1 Adjustable Rate Mortgage
30
6.65%
6.65%
▼
Rate6.65%
APR6.65%
Points0.000
UpdatedMar 18, 2026
Details
As Low As; for First Time Home Buyers
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
20221 W Catawba Ave, Charlotte, NC, 27612
First-Time Homebuyer Program: 30-Year, 5/1 Adjustable Rate Mortgage
30
6.65%
6.65%
▼
Rate6.65%
APR6.65%
Points0.000
UpdatedMar 18, 2026
Details
As Low As
Latino Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
100 W Morgan St, Carrboro, NC, 27103 3037
5 year ARM - Rental
30
7.38%
6.80%
▼
Rate7.38%
APR6.80%
Points0.000
UpdatedMar 17, 2026
Details
Maximum Term: 30 years
Latino Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
100 W Morgan St, Carrboro, NC, 27103 3037
5 year ARM
30
7.38%
6.81%
▼
Rate7.38%
APR6.81%
Points0.000
UpdatedMar 17, 2026
Details
Maximum Term: 30 years
Latino Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
100 W Morgan St, Carrboro, NC, 27103 3037
5 year ARM - Manufactured Home
15
7.38%
7.10%
▼
Rate7.38%
APR7.10%
Points0.000
UpdatedMar 17, 2026
Details
Maximum Term: 30 years
Latino Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
100 W Morgan St, Carrboro, NC, 27103 3037
5 year ARM
30
7.88%
7.32%
▼
Rate7.88%
APR7.32%
Points0.000
UpdatedMar 17, 2026
Details
Maximum Term: 30 years
Riverside Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
325 Becker Dr, Roanoke Rapids, NC, 27870
5/1 ARM Lot
20
7.50%
7.89%
▼
Rate7.50%
APR7.89%
Points0.000
UpdatedMar 11, 2026
Details
No additional details available.
First Bank (NC)
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
10 Chinquapin Rd, Aberdeen, NC, 27027
5/6 ARM
8.00%
8.23%
▼
Rate8.00%
APR8.23%
Points1.000
UpdatedMar 20, 2026
Details
For a $300,000 mortgage loan for a term of:; Based on 80% loan to value and 1% Discount Points. Payment does not include taxes and insurance premiums. The actual payment amount will be greater. These payments are based on recent interest rates and can vary based on individual credit.; Adjustable interest rates and payments are subject to increase after the initial fixed-rate period (60 months for a 5/6 ARM, 7 years for a 7/6 ARM and 10 years for a 10/6 ARM).
COASTAL
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
1000 Saint Albans Dr, Apex, NC, 27502
7/6 ARM Investment Property Loan
8.00%
8.32%
▼
Rate8.00%
APR8.32%
Points0.000
UpdatedMar 18, 2026
Details
initial interest rate
First Bank (NC)
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
10 Chinquapin Rd, Aberdeen, NC, 27027
7/6 ARM
8.12%
8.36%
▼
Rate8.12%
APR8.36%
Points1.000
UpdatedMar 20, 2026
Details
For a $300,000 mortgage loan for a term of:; Based on 80% loan to value and 1% Discount Points. Payment does not include taxes and insurance premiums. The actual payment amount will be greater. These payments are based on recent interest rates and can vary based on individual credit.; Adjustable interest rates and payments are subject to increase after the initial fixed-rate period (60 months for a 5/6 ARM, 7 years for a 7/6 ARM and 10 years for a 10/6 ARM).
Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.64%
803 Stiner Road, Fort Bragg, NC, 28307
Jumbo Loan
5.88%
6.02%
▼
Rate5.88%
APR6.02%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
ADVANCIAL
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
7521 Pineville Matthews Rd, Charlotte, NC, 28226
15 Yr Fixed Jumbo
5.88%
6.06%
▼
Rate5.88%
APR6.06%
Points0.730
UpdatedMar 17, 2026
Details
No additional details available.
ADVANCIAL
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
7521 Pineville Matthews Rd, Charlotte, NC, 28226
30 Yr Fixed Jumbo
6.00%
6.12%
▼
Rate6.00%
APR6.12%
Points0.790
UpdatedMar 17, 2026
Details
No additional details available.
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
3803 N Elm St, Greensboro, NC, 27455
Jumbo 30 Year Fixed
30
6.12%
6.26%
▼
Rate6.12%
APR6.26%
Points1.000
UpdatedMar 18, 2026
Details
As Low As
U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
1801 South Blvd, Charlotte, NC, 28078
Jumbo loans 15-year
15-year
6.25%
6.49%
▼
Rate6.25%
APR6.49%
Points0.640
UpdatedMar 15, 2026
Details
No additional details available.
U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
1801 South Blvd, Charlotte, NC, 28078
Jumbo loans 20-year
20-year
6.38%
6.58%
▼
Rate6.38%
APR6.58%
Points0.735
UpdatedMar 15, 2026
Details
No additional details available.
U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
1801 South Blvd, Charlotte, NC, 28078
Jumbo loans 30-year
30-year
6.50%
6.65%
▼
Rate6.50%
APR6.65%
Points0.685
UpdatedMar 15, 2026
Details
No additional details available.
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
100 Mast Dr, Aberdeen, NC, 27006
30-Year Jumbo
360
6.97%
7.11%
▼
Rate6.97%
APR7.11%
Points0.815
UpdatedMar 15, 2026
Details
No additional details available.
Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
100 Queens Rd, Advance, NC, 27006
FHA 30 Year (FHA)
6.12%
6.22%
▼
Rate6.12%
APR6.22%
Points0.125
UpdatedMar 17, 2026
Details
No additional details available.
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.64%
803 Stiner Road, Fort Bragg, NC, 28307
FHA Loan
5.38%
6.26%
▼
Rate5.38%
APR6.26%
Points0.000
UpdatedMar 15, 2026
Details
As Low As; Rates as low as 5.375% (6.265% APR)
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
6308 Falls of Neuse Rd, Raleigh, NC, 27615
30 Year FHA Fixed-Rate Mortgage
6.12%
6.33%
▼
Rate6.12%
APR6.33%
Points0.000
UpdatedMar 20, 2026
Details
No additional details available.
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
6308 Falls of Neuse Rd, Raleigh, NC, 27615
FHA 30
6.12%
6.33%
▼
Rate6.12%
APR6.33%
Points0.000
UpdatedMar 20, 2026
Details
No additional details available.
Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
1207 Bessemer City Rd, Charlotte, NC, 28052
30 Year FHA Fixed
5.75%
6.35%
▼
Rate5.75%
APR6.35%
Points0.000
UpdatedMar 18, 2026
Details
No additional details available.
U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
1801 South Blvd, Charlotte, NC, 28078
Federal Housing Administration (FHA) loans 30-year
30-year
5.88%
6.76%
▼
Rate5.88%
APR6.76%
Points0.932
UpdatedMar 15, 2026
Details
No additional details available.
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
100 Mast Dr, Aberdeen, NC, 27006
30-Year FHA
360
5.70%
6.91%
▼
Rate5.70%
APR6.91%
Points0.767
UpdatedMar 15, 2026
Details
No additional details available.
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
1475 N New Hope Rd, Gastonia, NC, 28054
30-Year FHA
5.88%
6.94%
▼
Rate5.88%
APR6.94%
Points0.000
UpdatedMar 20, 2026
Details
No additional details available.
Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.64%
803 Stiner Road, Fort Bragg, NC, 28307
VA Loan
5.38%
5.67%
▼
Rate5.38%
APR5.67%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1 Haywood St, Advance, NC, 27006
30-Year Fixed-Rate VA
5.62%
5.82%
▼
Rate5.62%
APR5.82%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
1207 Bessemer City Rd, Charlotte, NC, 28052
VA 30 Year Fixed
5.75%
5.98%
▼
Rate5.75%
APR5.98%
Points0.000
UpdatedMar 18, 2026
Details
No additional details available.
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
6308 Falls of Neuse Rd, Raleigh, NC, 27615
30 Year VA Fixed-Rate Mortgage
6.00%
6.21%
▼
Rate6.00%
APR6.21%
Points0.000
UpdatedMar 20, 2026
Details
No additional details available.
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
6308 Falls of Neuse Rd, Raleigh, NC, 27615
VA 30
6.00%
6.21%
▼
Rate6.00%
APR6.21%
Points0.000
UpdatedMar 20, 2026
Details
No additional details available.
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
100 Queens Rd, Advance, NC, 27006
VA 30 Year (VA)
6.12%
6.21%
▼
Rate6.12%
APR6.21%
Points0.250
UpdatedMar 17, 2026
Details
No additional details available.
U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
1801 South Blvd, Charlotte, NC, 28078
Veterans Affairs (VA) loans 30-year
30-year
6.12%
6.46%
▼
Rate6.12%
APR6.46%
Points0.509
UpdatedMar 15, 2026
Details
No additional details available.
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The mortgage rates displayed are verified and sourced directly from the official websites of the listed financial institutions. Your final approved rate will depend on your specific credit history, credit score, loan amount, and down payment.
Banks and Credit Unions: If you need to update your rate data or request removal from MonitorBankRates.com, please contact us here.
Banks and Credit Unions: If you need to update your rate data or request removal from MonitorBankRates.com, please contact us here.
Mortgage Calculators
Methodology & Data Sources
Direct-Sourced & Verified Mortgage Rate Data: We aggregate mortgage and refinance rates for North Carolina directly from the official websites of local lenders, credit unions, and national mortgage originators using our proprietary rate aggregation technology and a dedicated team of rate updaters. Every rate displayed is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available home loan products in North Carolina. We feature a comprehensive mix of licensed NMLS financial institutions — from neighborhood credit unions and competitive regional banks to large national originators available to borrowers in NC.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update mortgage rates daily. Because rates and APRs can fluctuate rapidly based on bond markets and economic conditions, every loan product features its own “last updated” date for full transparency.
Proprietary Lender Health & Safety Grades: Beyond tracking rates, MonitorBankRates evaluates the financial stability of every listed institution. Our Health Grades (A+ to F) and Star Ratings are composite metrics calculated using objective regulatory data — including the Texas Ratio — ensuring you compare rates from secure, reliable lenders.
Frequently Asked Questions about Mortgage Rates in North Carolina
How does my credit score affect my rate in North Carolina?
Your credit score is a major factor. Generally, borrowers in North Carolina with higher credit scores (760+) receive the lowest interest rates.
What is a 30-Year Fixed Mortgage?
A 30-year fixed-rate mortgage is a home loan where the interest rate remains the same for the entire 30-year term. It is the most popular type of mortgage in North Carolina because it offers lower monthly payments compared to shorter-term loans.
What are closing costs in North Carolina?
Closing costs are fees paid at the end of a real estate transaction, typically ranging from 2% to 5% of the loan amount. In North Carolina, these may include appraisal fees, title insurance, and recording fees.
Should I lock my mortgage rate?
If you are satisfied with the current rate and worried rates might rise before closing on your home in North Carolina, locking your rate is a good idea. It guarantees your rate for a specific period.
What is an Adjustable-Rate Mortgage (ARM)?
An ARM has an interest rate that can change over time. It usually starts with a lower fixed rate for a period (e.g., 5 years) before adjusting annually based on market indices.
What is a Jumbo Loan in North Carolina?
A Jumbo Loan exceeds the conforming loan limits set by the FHFA. In high-cost areas of North Carolina, these limits are higher. These loans typically require stronger credit and larger down payments.
Do I need 20% down to buy a house in North Carolina?
No. While 20% avoids Private Mortgage Insurance (PMI), many lenders in North Carolina offer loans with as little as 3% or 3.5% down (FHA). VA loans may require no down payment.
What is the difference between Interest Rate and APR?
The interest rate is the cost of borrowing the principal. The APR (Annual Percentage Rate) includes the interest rate plus other costs like points and fees, giving a truer cost of the loan.
How do I find the best lender in North Carolina?
Compare rates from multiple sources including local banks, credit unions, and online lenders using the tables on this page to find the best offer for your situation.
What are the best Mortgage rates in North Carolina?
- Carolinas Telco Federal Credit Union: 5.75% (Fixed Rate-First Mortgages 30-Year Fixed)
- Langley Federal Credit Union: 5.88% (30 Year Fixed Rate)
- Baxter Credit Union: 6.00% (30-Year Fixed Mortgage)
- Proponent Federal Credit Union: 5.88% (30-Year Fixed)
- Riverside Savings Bank: 5.88% (30 Year Fixed Conventional Primary Home)
Mortgage Rates reflect actual verified offers from lenders actively lending to North Carolina borrowers. Your final approved rate will depend on your credit profile, loan-to-value ratio, and daily market movements. Last Updated and Verified: March 20, 2026
Mortgage Rates by City in North Carolina
