Charlotte mortgage rates
What borrowers in the Charlotte–Concord–Gastonia, NC–SC area actually paid: median note rates on originated purchase mortgages from 2024 HMDA data (the rates lenders reported to the CFPB), by product. This is a 2024 retrospective, not a live quote — for today’s rates see the live terminal.
| Product | 2024 median | U.S. median | vs U.S. | Typical range | Loans |
|---|---|---|---|---|---|
| 30yr Fixed · Conforming | 6.625 | 6.625 | ±0.00 | 5.875–7.375 | 23,622 |
| 15yr Fixed · Conforming | 5.875 | 6.625 | ▾ -0.750 | 4.990–6.875 | 808 |
| 30yr Fixed · FHA | 6.250 | 6.270 | ▾ -0.020 | 5.250–7.125 | 6,100 |
| 30yr Fixed · VA | 6.250 | 6.250 | ±0.00 | 5.490–7.000 | 2,498 |
Median note rate on originated purchase loans (primary residence, single unit), Charlotte–Concord–Gastonia, NC–SC, 2024 HMDA. “U.S. median” is the same-method 2024 HMDA median across a geographically-diverse state sample; “vs U.S.” is this metro minus that baseline (▾ below / ▴ above). “Typical range” = 10th–90th percentile. All figures %, informational only — not offers of credit.
Top Charlotte lenders by volume (2024)
| Lender | Product | 2024 median rate |
|---|---|---|
| Bank Of America, National Association | 30yr Fixed · Conforming | 6.250 |
| Jpmorgan Chase Bank, National Association | 30yr Fixed · Conforming | 6.500 |
| Wells Fargo Bank, National Association | 30yr Fixed · Conforming | 6.500 |
| State Employees' | 30yr Fixed · Conforming | 6.525 |
| Truist Bank | 30yr Fixed · Conforming | 6.575 |
| American Security Mortgage Corp. | 30yr Fixed · Conforming | 6.625 |
| Nvr Mortgage Finance, Inc. | 30yr Fixed · Conforming | 6.625 |
| Rocket Mortgage, LLC | 30yr Fixed · Conforming | 6.625 |
| United Shore Financial Services, LLC | 30yr Fixed · Conforming | 6.625 |
| Atlantic Bay Mortgage Group, L.l.c. | 30yr Fixed · Conforming | 6.750 |
| Movement Mortgage, LLC | 30yr Fixed · Conforming | 6.875 |
| Fairway Independent Mortgage Corporation | 30yr Fixed · Conforming | 6.990 |
Lenders ranked by originated-loan volume in the metro; rate = that lender’s median note rate on the product shown. HMDA public data carries no APR or points. 2024 vintage.
How Charlotte compares
| Metro | 30-yr median (2024) | vs U.S. | Loans |
|---|---|---|---|
| United States (2024 HMDA) | 6.625 | — | 105,922 |
| San Jose | 6.375 | ▾ -0.250 | 9,970 |
| Austin | 6.500 | ▾ -0.125 | 19,203 |
| San Francisco | 6.500 | ▾ -0.125 | 6,256 |
| Denver | 6.625 | ±0.00 | 25,422 |
| Colorado Springs | 6.625 | ±0.00 | 4,396 |
| Tampa | 6.625 | ±0.00 | 21,786 |
| Fort Myers | 6.625 | ±0.00 | 6,149 |
| Phoenix | 6.625 | ±0.00 | 33,758 |
| Atlanta | 6.625 | ±0.00 | 30,504 |
| Dallas | 6.625 | ±0.00 | 39,477 |
| Houston | 6.625 | ±0.00 | 40,679 |
| Las Vegas | 6.625 | ±0.00 | 14,213 |
| Nashville | 6.625 | ±0.00 | 17,448 |
| Seattle | 6.625 | ±0.00 | 16,535 |
| New York | 6.625 | ±0.00 | 31,690 |
| Washington DC | 6.625 | ±0.00 | 9,150 |
| Boston | 6.625 | ±0.00 | 10,808 |
| Philadelphia | 6.625 | ±0.00 | 10,520 |
| Charlotte | 6.625 | ±0.00 | 23,622 |
| San Diego | 6.625 | ±0.00 | 13,189 |
| Portland | 6.625 | ±0.00 | 17,217 |
| Detroit | 6.750 | ▴ +0.125 | 28,941 |
| Los Angeles | 6.750 | ▴ +0.125 | 27,539 |
| Chicago | 6.875 | ▴ +0.250 | 44,825 |
| Miami | 6.875 | ▴ +0.250 | 10,787 |
See every metro side by side on the Rates by City hub →
Ready to cite
Methodology & honest limits
- Source: the CFPB/FFIEC HMDA Data Browser — every U.S. mortgage lender reports the note rate on each originated loan. We pool the Charlotte–Concord–Gastonia, NC–SC metropolitan area, keep originated purchase loans on a primary 1-unit home, and take the median per product.
- Retrospective, not live: HMDA is annual and lags ~1 year, so these are 2024 medians — a solid picture of what the area actually paid, not today’s quote. Today’s rates are on the live terminal and the RallyRates Index.
- Neutral: no lender pays to appear or to rank; lenders are ordered by real loan volume.
- Not advice: informational only — not an offer of credit, not a substitute for a lender’s own quote for your scenario.