Compare Today’s Refinance Rates for Charlotte, North Carolina
Our search engine analyzes refinance lenders to give you the best real-time home refi rates for Charlotte, North Carolina 28299. Search for cash-out refi, lower interest rates, or a home equity loan. For 30-year amortization refinancing, expect lifetime cash savings are $4,617 or $13 / month in Charlotte and other areas of Mecklenburg county.
Pureloan analyzes all refinance loan options including HELOC, short home refinancing, and positive equity refinancing for Charlotte, North Carolina 28299.
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Summary of Average Refinance Terms in Charlotte, North Carolina 28299


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Interactive and Personalized Mortage Rates Analysis
For refinance rate forecasts and predictions in Charlotte, NC 28299, Pureloan has created an interactive chart to track the 5 largest local lenders for refi's and cash-out's. Historical rates are based on closed refinancings, and projections are based on proprietary modeling.
Refinance Rates for Charlotte, North Carolina 28299 from 2012 - 2019
Below are historical data on refinancing in Charlotte, North Carolina and around Mecklenburg county based on loan type, credit score, LTV and other parameters. This data is produced from actual closed home refinancings.
2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | |
---|---|---|---|---|---|---|---|---|
% 30 year fixed refinance | 58.94% | 48.28% | 48.05% | 55.50% | 56.80% | 57.36% | 55.40% | 48.46% |
avg refi rate | 4.81% | 4.51% | 3.91% | 3.70% | 4.50% | 4.06% | 3.89% | 3.95% |
% 15 year fixed refinance | 27.51% | 32.11% | 33.71% | 31.93% | 31.44% | 26.89% | 29.02% | 34.96% |
avg refi rate | 4.22% | 3.74% | 3.22% | 2.98% | 3.53% | 3.26% | 3.07% | 3.08% |
Avg credit score | 768.10 | 769.35 | 771.07 | 765.85 | 751.88 | 758.14 | 755.64 | 752.79 |
Avg LTV (loan to value) | 63.08% | 64.03% | 65.38% | 68.14% | 72.18% | 73.31% | 72.45% | 70.15% |
Avg DTI (debt to income) | 30.62 | 30.31 | 30.02 | 29.84 | 32.72 | 31.65 | 31.87 | 32.22 |
Avg refinance insurance % | 1.38% | 2.00% | 1.79% | 3.36% | 5.37% | 5.83% | 5.06% | 3.64% |
Data produced from the Financial Report of the US Government
Best Refinance Brokers Around Charlotte, North Carolina 28299
Whether you are looking to refinance your existing mortgage or obtain a cash-out refi in Charlotte, North Carolina 28299, we have compiled a list of the leading refinance brokers to guide you.
Nathan Wiles
Loan Officer
6115 Park South Dr. Suite 200
Charlotte, NC 28299
(888) 923-9911
nathan.wiles@wyndhamcapital.com
Matthew Vargochik
Loan Officer
6115 Park South Dr. Suite 200
Charlotte, NC 28299
(888) 923-9911
matthew.vargochik@wyndhamcapital.com
Chris Trueman
Loan Officer
6115 Park South Dr. Suite 200
Charlotte, NC 28299
(888) 923-9911
chris.trueman@wyndhamcapital.com
Daniel Toth
Loan Officer
6115 Park South Dr. Suite 200
Charlotte, NC 28299
(888) 923-9911
daniel.toth@wyndhamcapital.com
Matthew Richardson
Loan Officer
6115 Park South Dr. Suite 200
Charlotte, NC 28299
(888) 923-9911
matthew.richardson@wyndhamcapital.com
Address
6115 Park South Dr. Suite 200
Charlotte, NC
Contact
(888) 923-9911
Fax (301) 639-0804
nathan.wiles@wyndhamcapital.com
Address
6115 Park South Dr. Suite 200
Charlotte, NC
Contact
(888) 923-9911
Fax (301) 639-0804
matthew.vargochik@wyndhamcapital.com
Address
6115 Park South Dr. Suite 200
Charlotte, NC
Contact
(888) 923-9911
Fax (301) 639-0804
chris.trueman@wyndhamcapital.com