North Carolina Mortgage Rates (2026)

Current average mortgage rates, median home prices, and top lenders in North Carolina. Rates apply to primary residence purchases with good credit (740+).

30yr Fixed

7.04%

Avg APR

15yr Fixed

6.44%

Avg APR

Median Price

$340,000

Median home

Monthly P&I

$1,813

30yr at 80% LTV

Top Mortgage Lenders in North Carolina

Rocket Mortgage

Online convenience

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30yr Fixed

15yr Fixed

6.4%

Min Down

Chase

Existing customers

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30yr Fixed

6.9%

15yr Fixed

6.3%

Min Down

Wells Fargo

Branch access

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30yr Fixed

7.1%

15yr Fixed

6.5%

Min Down

Bank of America

Preferred Rewards

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30yr Fixed

15yr Fixed

6.4%

Min Down

loanDepot

Low down payment

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30yr Fixed

6.9%

15yr Fixed

6.3%

Min Down

First-Time Buyer Programs in North Carolina

✓NC Home Advantage Mortgage
✓NC 1st Home Advantage Down Payment
✓Durham Homebuyer Program

Mortgage Requirements in North Carolina

•Min 640 credit score for NCHFA programs
•Income limits apply
•Homebuyer education required for DPA

North Carolina Housing Market Facts

Charlotte and Raleigh-Durham are among the fastest growing US metro areas.

NCHFA provides down payment assistance up to $15,000.

No transfer tax makes closing costs relatively modest.

Compare Mortgage Rates in Other States

Alabama7.05%Alaska7.12%Arizona7.02%Arkansas7.08%California6.95%Colorado7%Connecticut6.98%Delaware7%Florida7.05%Georgia7.03%Hawaii6.88%Idaho7%

View all 50 states →