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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% — the national average is 6.88%. We track ALLEGACY daily and refresh rates every morning.

    Rates as of Sep 11, 2026

    Today's rates from ALLEGACY

    ProductRateAPRPointsAs ofSource
    30 Year Fixed7%7.127%0.125Sep 11, 2026Visit
    15 Year Fixed6.375%6.553%—Sep 11, 2026Visit
    5 Year ARM6.25%6.583%—Sep 11, 2026Visit
    7 Year ARM6.5%6.682%0.125Sep 11, 2026Visit
    10 Year ARM6.25%6.496%0.125Sep 11, 2026Visit
    15 Year ARM5.875%6.215%—Sep 11, 2026Visit
    FHA 30 Year Fixed6.625%6.733%0.125Sep 11, 2026Visit
    VA 30 Year Fixed6.75%6.845%—Sep 11, 2026Visit
    7 Year ARM Jumbo6.75%6.76%0.125Sep 11, 2026Visit
    10 Year ARM Jumbo6.5%6.61%0.125Sep 11, 2026Visit
    Visit ALLEGACY's rates page

    Rate history

    Lowest daily rate ALLEGACY advertised for each product, 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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