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15-Year Fixed Conforming Mortgage Refinance

North Carolina 15-Year Fixed Mortgage Refinance Rates 2025

Compare North Carolina 15-Year Fixed Conforming Mortgage Refinance Rates with a loan amount of $320,000. Use the search box below to change the mortgage product or the loan amount. Click the lender name to view more information.

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North Carolina 15-Year Fixed Conforming Mortgage Refinance

December 19, 2025
Average: 5.88% APR

Advertiser Disclosure

Lender	APR	Rate (%)	Monthly Payment^?
Refi.com NMLS ID: 1907	Keep more money in your pocket by rolling closing costs into your loan Maximize your savings with custom options that fit your financial goals Tap into your home’s equity with a cash-out refinance 15 Yr Fixed		$0	Learn More
Tithe Lending NMLS ID: 2439006	4.916% 15 Yr Fixed	4.750% Fees & Points $3,610 Total 0.750 Pts: $2,400 $1,210 Fees	$2,490	Learn More See Table View
Pure Rate Mortgage NMLS ID: 2578474	4.920% 15 Yr Fixed	4.750% Fees & Points $3,610 Total 0.800 Pts: $2,560 $1,050 Fees	$2,490	Learn More See Table View
Carolinas Capital Lending Inc NMLS ID: 2715366 License#: B-228944	4.949% 15 Yr Fixed	4.750% Fees & Points $4,250 Total 1.000 Pts: $3,200 $1,050 Fees	$2,490	Learn More See Table View
Northpointe Bank NMLS ID: 447490	5.063% 15 Yr Fixed	4.875% Fees & Points $3,997 Total 0.813 Pts: $2,602 $1,395 Fees	$2,510	Learn More See Table View
Home Simply NMLS ID: 2473786 License#: L-223685	5.066% 15 Yr Fixed	4.875% Fees & Points $4,055 Total 0.925 Pts: $2,960 $1,095 Fees	$2,510	Learn More See Table View
River City Mortgage LLC NMLS ID: 142954 License#: L-192632	5.106% 15 Yr Fixed	4.875% Fees & Points $5,001 Total 0.941 Pts: $3,011 $1,990 Fees	$2,510	Learn More See Table View
LoanFlight Lending, LLC NMLS ID: 1522344 License#: L-202969	5.125% 15 Yr Fixed	4.990% Fees & Points $2,858 Total 0.893 Pts: $2,858 $0 Fees	$2,529	Learn More See Table View
Allied Mortgage Group, Inc. NMLS ID: 1067	5.141% 15 Yr Fixed	4.990% Fees & Points $3,190 Total 0.997 Pts: $3,190 $0 Fees	$2,529	Learn More See Table View
Reliant Home Funding, Inc. NMLS ID: 292473	5.223% 15 Yr Fixed	4.990% Fees & Points $4,936 Total 0.919 Pts: $2,941 $1,995 Fees	$2,529	Learn More See Table View
PenFed Credit Union NMLS ID: 401822	5.264% 15 Yr Fixed	5.000% Fees & Points $5,600 Total 0.750 Pts: $2,400 $3,200 Fees	$2,531	Learn More See Table View
Farmers Bank of Kansas City NMLS ID: 613839	5.334% 15 Yr Fixed	5.125% Fees & Points $4,415 Total 0.790 Pts: $2,528 $1,887 Fees	$2,552	Learn More See Table View
Mutual of Omaha Mortgage, Inc. NMLS ID: 1025894	5.514% 15 Yr Fixed	5.375% Fees & Points $2,908 Total 0.690 Pts: $2,208 $700 Fees	$2,594	Learn More See Table View
Refi.com NMLS ID: 1907 License#: North Carolina	5.587% 15 Yr Fixed	5.500% Fees & Points $1,802 Total 0.563 Pts: $1,802 $0 Fees	$2,615	Learn More See Table View
Beeline Loans, Inc. NMLS ID: 1799947	5.750% 15 Yr Fixed	5.750% Fees & Points $0 Total 0.000 Pts: $0 $0 Fees	$2,658	Learn More See Table View
Filo Mortgage, L.L.C. NMLS ID: 1928741	6.647% 15 Yr Fixed	6.500% Fees & Points $2,986 Total 0.933 Pts: $2,986 $0 Fees	$2,788	Learn More See Table View
Beeline Loans, Inc. NMLS ID: 1799947	Apply in less than 10 minutes. Fast, stress-free closing in as little as 14 days More loan types so you’re more likely to qualify "The smoothest refi experience I’ve ever had" - TR, Houston 15 Yr Fixed			Learn More
Veterans United Home Loans NMLS ID: 1907	Use your VA Loan benefits to get cash from your home equity Get a personalized quote fast with instant uploads and 24/7 access Over 300,000 verified 5-star reviews 15 Yr Fixed			Learn More
CrossCountry Mortgage NMLS ID: 3029	Top 3 Lender: Trusted and established. 19K+ 5-star reviews: Proven customer satisfaction. Wide mortgage selection: Tailored solutions. Unmatched expertise: Your path to homeownership. 15 Yr Fixed			Learn More
Quicken Loans NMLS ID: 167283	Homeowners best kept secret for cash See if a HELOAN could lower payments Access cash without a changing your rate It costs $0 to see how much you could get with a lender 15 Yr Fixed			Learn More
Rocket Mortgage NMLS ID: 3030	Turn home equity you've earned into cash Single, convenient monthly payments Reduce interest with shorter loan terms Get personalized solutions for your goals 15 Yr Fixed			Learn More
Rate data provided by RateUpdate.com. Displayed by ICB, a division of Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes, insurance premiums or private mortgage insurance if applicable. Actual payments will be greater with taxes and insurance included. Click here for more information on rates and product details.
First Bank Updated 10/19/2022	4.39%	4.13% 1.00 points $0.00 fees	$2,387.10	Learn MoreShow Less See Table View
Pnc Bank, National Association Updated 10/04/2022	5.66%	5.38% 0.00 points $3,210.00 fees	$2,593.49	Learn MoreShow Less See Table View
U.s. Bank National Association Updated 05/07/2023	5.66%	5.38% 0.77 points $0.00 fees	$2,593.49	Learn MoreShow Less See Table View
State Employees' Credit Union Updated 10/13/2023 Restrictions	6.78%	5.53% 0.00 points $0.00 fees	$2,619.59	Learn MoreShow Less See Table View
Charles Schwab Bank, Ssb Updated 09/08/2023	7.17%	5.94% 2.00 points $3,210.00 fees	$2,689.46	Learn MoreShow Less See Table View
Santander Bank, N.a. Updated 12/20/2022	6.52%	5.99% 2.13 points $4,250.00 fees	$2,698.61	Learn MoreShow Less See Table View
Bank Of America, National Association Updated 05/07/2023	6.29%	6.00% 0.78 points $0.00 fees	$2,700.34	Learn MoreShow Less See Table View
Pentagon Credit Union Updated 06/15/2022 Restrictions	6.00%	6.00% 0.00 points $2,784.00 fees	$2,700.34	Learn MoreShow Less See Table View
Jovia Financial Credit Union Updated 02/28/2023 Restrictions	6.42%	6.25% 0.00 points $0.00 fees	$2,743.75	Learn MoreShow Less See Table View
Td Bank, National Association Updated 10/10/2022	6.65%	6.38% 0.00 points $4,266.00 fees	$2,765.60	Learn MoreShow Less See Table View
Citibank, National Association Updated 10/18/2024	6.06%	6.48% 1.00 points $2,739.00 fees	$2,783.67	Learn MoreShow Less See Table View
United Nations Credit Union Updated 06/15/2022 Restrictions	6.55%	6.50% 0.00 points $2,784.00 fees	$2,787.54	Learn MoreShow Less See Table View
Virginia Credit Union, Inc., Credit Union Updated 06/15/2022 Restrictions	6.67%	6.50% 0.38 points $2,784.00 fees	$2,787.54	Learn MoreShow Less See Table View
Navy Federal Credit Union Credit Union Updated 01/30/2023 Restrictions	6.84%	6.63% 0.50 points $0.00 fees	$2,809.58	Learn MoreShow Less See Table View
Coastal Credit Union Updated 06/15/2022 Restrictions	6.67%	6.63% 0.00 points $2,196.00 fees	$2,809.58	Learn MoreShow Less See Table View
Eastman Credit Union Updated 06/15/2022 Restrictions	6.91%	6.63% 1.00 points $2,784.00 fees	$2,810.46	Learn MoreShow Less See Table View
Jpmorgan Chase Bank, National Association Updated 02/21/2024	6.91%	6.75% 0.00 points $0.00 fees	$2,831.71	Learn MoreShow Less See Table View
Riverside Savings Bank, Ssb Updated 06/15/2022	7.12%	6.75% 0.00 points $3,241.00 fees	$2,831.71	Learn MoreShow Less See Table View
Roxboro Savings Bank, Ssb Updated 06/15/2022	6.90%	6.75% 0.00 points $3,241.00 fees	$2,831.71	Learn MoreShow Less See Table View
State Employees Cu Of Maryland, Inc Credit Union Updated 06/15/2022 Restrictions	6.83%	6.75% 0.00 points $2,784.00 fees	$2,831.71	Learn MoreShow Less See Table View
Data provided by BestCashCow

Advertiser Disclosure: The lenders whose rates and other terms appear on this chart are ICB's advertising partners. They provide their rate information to our data partner RateUpdate.com. Unless adjusted by the consumer, advertisers are sorted by APR from lowest to highest. For any advertising partners that do not provide their rate they are listed in advertisement display units at the bottom of the chart. Advertising partners may not pay to improve the frequency priority or prominence of their display. The interest rates, annual percentage rates and other terms advertised here are estimates provided by those advertising partners based on the information you entered above and do not bind. Any lender Monthly payment amounts stated do not include amounts for taxes and insurance premiums. The actual payment obligation will be greater if taxes and insurance are included. Although our data partner RateUpdate.com collects the information from the financial institutions themselves, the accuracy of the data cannot be guaranteed. Rates may change without notice and can change intraday. Some of the information contained in the rate tables including but not limited to special marketing notes is provided directly by the lenders. Please verify the rates and offers before applying for a loan with the financial institution themselves. No rate is binding until locked by a lender.

¹ Rate data provided by RateUpdate.com. Displayed by ICB, a division of Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes, insurance premiums or private mortgage insurance if applicable. Actual payments will be greater with taxes and insurance included. Click here for more information on rates and product details.

Rates from this table are based on loan amount of $320,000 and a variety of factors including credit score and loan to value ratios. Rates may change at any time and are not guaranteed to be correct. For specific requirements please check with the lender.

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North Carolina 15-Year Fixed Mortgage Refinance Rates 2025

North Carolina 15-Year Fixed Conforming Mortgage Refinance

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