Rates & market
North Carolina mortgage rates today
Product board for Concord, Charlotte, and North Carolina buyers — rate and APR by category, then a clear next step to see what you qualify for.
National averages come from the sources cited below and are not a rate offer. Rates with an APR are Mortgage Dream Team rates for the example shown. Your rate depends on your credit, down payment, and loan. Your Loan Estimate is the only formal disclosure.
| Product | Rate | APR | Type |
|---|---|---|---|
| 30-year fixed conventional | 7.24% | — | National average, Oct 29, 2026 |
| 15-year fixed conventional | 6.60% | — | National average, Oct 29, 2026 |
| 30-year FHA | 6.90% | — | National average, Nov 4, 2026 |
| 30-year VA | 6.76% | — | National average, Nov 4, 2026 |
| 30-year USDA | 7.04% | — | National average, Nov 4, 2026 |
- Source: 30-yr fixed and 15-yr fixed: Freddie Mac Primary Mortgage Market Survey® (PMMS®), U.S. weekly average, week of Oct 29, 2026.
- Source: FHA 30-yr: Optimal Blue, Optimal Blue 30-Year Fixed Rate FHA Mortgage Index [OBMMIFHA30YF], retrieved from FRED, Federal Reserve Bank of St. Louis, Nov 4, 2026.
- Source: VA 30-yr: Optimal Blue, Optimal Blue 30-Year Fixed Rate Veterans Affairs Mortgage Index [OBMMIVA30YF], retrieved from FRED, Federal Reserve Bank of St. Louis, Nov 4, 2026.
- Source: USDA 30-yr: Optimal Blue, Optimal Blue 30-Year Fixed Rate USDA Mortgage Index [OBMMIUSDA30YF], retrieved from FRED, Federal Reserve Bank of St. Louis, Nov 4, 2026.
Assumptions
- National averages are survey or index figures, not quotes, and have no APR
- Mortgage Dream Team rates list their own APR, points, and assumptions
- Your credit, down payment, and loan amount will change your rate
- Concord / Cabarrus and Charlotte / Mecklenburg buyers: confirm county limits on the loan pages
Important
Website rates are not a credit decision, lock, or Loan Estimate. Programs and pricing change. Equal Housing Opportunity. Next step is a file review with Mortgage Dream Team.
See what you qualify forPrefer a payment shape first? Open the mortgage calculator →
Lock in clarity — not a website rate
Twenty minutes. Clear options. No commitment required.