Who has the best mortgage rates in North Carolina?
I’m looking for a primary, single-family home in for , and credit score.
Insights
Negotiate everything—rates, fees, and terms are not set in stone.

Lenders with low rates in NC
TrueRate analyzed the rates lenders actually gave to buyers for the last three years and found only a few lenders likely to get you a good deal.
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Insights
Negotiate everything—rates, fees, and terms are not set in stone.

Lenders in NC likely to have high rates
We don’t accept advertising, so you can get the real lender story. TrueRate looked at 91 lenders and found that these lenders are likely to offer you a high rate.
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Insights
Whether a lender has high margins or is simply inefficient and passing their costs on to you, the result is the same—you’ll likely end up paying more for your home. Our data shows that if you choose these lenders you will likely regret it.

Lenders with average rates in NC
You deserve better than what these lenders historically provide.
Sorry, no lenders were found.
Methodology
We believe in transparency. Here’s how we crunched the numbers.
Based on lender data from 2023 with at least 10 loans similar to yours with 0 points for a 30-year fixed mortgage.
Don’t let lenders pull a fast one on you
Learn how really low rates often come with hidden fees. Drag the slider to see how rates and fees are connected.
Insights

TrueRate report
See how mortgage companies got home buyers to over-pay by billions.
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We believe in transparency. Here’s how we crunched the numbers.
Based on lender data from 2023 with at least 10 loans similar to yours with 0 points for a 30-year fixed mortgage.
Great time for home buyers in North Carolina
In 2023, mortgage rates in North Carolina, like much of the country, were on the rise. At the start of the year, rates for a 30-year fixed mortgage hovered between 6% and 6.5%. While these weren’t the historically low rates seen during the pandemic, they reflected the ongoing efforts to combat inflation, which continued to dominate financial headlines. Throughout the year, rates remained in that range, shifting slightly based on decisions made by the Federal Reserve.
By mid-2023, some mortgage rates even reached 7%, which marked a significant increase compared to previous years. For homebuyers, especially those entering the market for the first time, this rise in rates presented a challenge. Still, North Carolina’s housing market remained competitive. Cities like Raleigh, Charlotte, and Durham continued to experience strong demand. This resilience is largely due to the state’s relatively affordable cost of living and a growing job market, both of which continue to attract new residents.
As of late 2024, however, the outlook has improved. Interest rates have started to decline, offering some relief to prospective buyers—particularly those with strong credit scores. And while rates remain higher than during the pandemic, North Carolina home prices are still more reasonable compared to states like California. That means buyers aren’t facing the same level of financial pressure, even with higher borrowing costs.
For anyone looking to purchase a home in North Carolina, now is a promising time to explore options, take advantage of falling rates, and benefit from the state’s balanced mix of affordability and opportunity.