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    Home state: North Carolina
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    Lends in 17 states

    ALLEGACY mortgage rates

    ALLEGACY's lowest publicly advertised 30-year fixed rate today is 7.494% APR — the national average is 7.147%. We read ALLEGACY's rates every weekday, starting around 11 a.m. Central.

    We last read ALLEGACY's rates page on Nov 2, 2026. ALLEGACY dates its published rate sheet Nov 2, 2026.

    Today's rates from ALLEGACY

    ProductRateAPRPointsWe readSource
    30 Year Fixed7.375%7.494%—Nov 2, 2026Visit
    15 Year Fixed6.75%6.953%0.125Nov 2, 2026Visit
    5 Year ARM6.625%6.972%0.125Nov 2, 2026Visit
    7 Year ARM6.875%7.06%0.125Nov 2, 2026Visit
    15 Year ARM6.125%6.484%—Nov 2, 2026Visit
    FHA 30 Year Fixed7%7.1%—Nov 2, 2026Visit
    VA 30 Year Fixed7%7.11%0.125Nov 2, 2026Visit
    7 Year ARM Jumbo7.125%7.139%0.125Nov 2, 2026Visit
    10 Year ARM — educators6.5%6.8%0.25Nov 2, 2026Visit
    10 Year ARM Jumbo — medical professionals6.75%6.915%0.25Nov 2, 2026Visit
    Visit ALLEGACY's rates page

    Rate history

    Lowest daily APR, or rate when APR is not published, for each product over the past 90 days.

    Collecting data — the trend chart appears after a few days of tracking.

    Who can join ALLEGACY

    Membership is open to individuals who live, work, worship, or attend school in designated communities within North Carolina. Employees or retirees of eligible companies (Select Employee Groups) are also eligible. Additionally, individuals residing in North Carolina can join through membership with the American Consumer Council (ACC). Family members—including spouses, children, stepchildren, siblings, parents, step-parents, grandparents, and grandchildren—as well as household members of current Allegacy members, are also eligible.

    Open membership. Anyone in the U.S. can join — no employer, geographic or association requirement.
    Association / SEG
    American Consumer Council

    Where ALLEGACY writes mortgages

    ALLEGACY publishes mortgage lending in 17 states.

    CaliforniaConnecticutDistrict of ColumbiaDelawareFloridaGeorgiaIllinoisIndianaMarylandNorth CarolinaNew JerseyNew YorkPennsylvaniaSouth CarolinaTexasVirginiaWest Virginia

    Eligibility indicates likely eligibility only. Confirm membership and lending availability directly. See our methodology.

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