Cullowhee Mortgage Rates

30yr Fixed Rate 15yr Fixed Rate FHA USDA VA 5/1 ARM

30 Year Fixed Rate mortgages in Cullowhee averaged 6.09% for the week of 2022-06-30, compared to the national average of 5.7% for the same period.

The average rate for the prior week (2022-06-23) was 6.1% and one month ago for the week of 2022-05-26, the average rate was 5.29%.

Cullowhee's average rate one year ago was 3.14%.

For refis of the same type during the week of 2022-06-30, the average rate was 5.94%.

Loan Type Date Rate
US 30 Year Fixed Rate 2022-06-30 5.7%
Cullowhee 30 Year Fixed Rate 2022-06-30 6.09%
Cullowhee 30 Year Fixed Rate Refi 2022-06-30 5.94%
Cullowhee 15 Year Fixed Rate 2022-06-30 5.49%
Cullowhee 15 Year Fixed Rate Refi 2022-06-30 5.21%
Cullowhee 30 Year FHA 2022-06-30 5.95%
Cullowhee 30 Year FHA Refi 2022-06-30 5.81%
Cullowhee 30 Year USDA 2022-06-30 5.74%
Cullowhee 30 Year USDA Refi 2022-06-30 4.97%
Cullowhee 30 Year VA 2022-06-30 5.43%
Cullowhee 30 Year VA Refi 2022-06-30 5.39%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Cullowhee, NC.

Cullowhee Top Lenders by Rates & Fees

The below table looks at the consensus average rates and fees provided by each lendor, for only loans originated in the Cullowhee, NC market. This includes FHA, Conventional, USDA and VA loans, as well as refis. All terms in the below chart are 30 year fixed rate. Unless noted otherwise, other data is all inclusive (FHA, ARM, 15-yr, etc.).

Name # of Loans 2021 Avg. 30yFix Rate 2021 Avg. Total Fees
STATE EMPLOYEES' 152 3.27% $4,130
QUICKEN LOANS, LLC 126 3.05% $5,515
HOMESTAR FINANCIAL CORPORATION 55 3.33% $3,746
First-Citizens Bank & Trust Company 53 3.03% $5,777
Wells Fargo Bank 47 3.03% $3,336
ATLANTIC BAY MORTGAGE GROUP, L.L.C. 45 3.30% $5,552
United Community Bank 41 3.11% $5,394
MOVEMENT MORTGAGE, LLC 36 3.24% $4,438
Truist Bank 28 2.86% $4,853
Regions Bank 27 3.01% $6,293
Champion Credit Union 24 3.35% $5,282
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 23 3.12% $4,258
UNITED WHOLESALE MORTGAGE, LLC 22 2.97% $5,870
Bank of America 20 2.56% $4,139
LOANDEPOT.COM, LLC 20 3.06% $7,207
KELLER MORTGAGE, LLC 20 2.86% $3,933
LOCAL GOVERNMENT FEDERAL CREDIT UNION 19 3.33% $4,098
NAVY FEDERAL CREDIT UNION 18 3.09% $4,026
JPMorgan Chase Bank 16 2.80% $3,530
HomeTrust Bank 15 2.96% $3,919
Morgan Stanley Private Bank 15 2.58% $4,581
BETTER MORTGAGE CORPORATION 14 2.90% $3,989
Renasant Bank 13 3.06% $5,223
Ameris Bank 13 3.27% $5,250
AMERISAVE MORTGAGE CORPORATION 12 3.12% $5,615
U.S. Bank 12 2.93% $8,088
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 10 3.22% $3,890
South State Bank 10 3.04% $7,105
GUARANTEED RATE, INC. 10 3.24% $5,210
TD Bank 8 3.06% $5,076
Nations Lending Corporation 8 3.17% $5,842
HOMESIDE FINANCIAL, LLC 8 3.05% $3,807
PENNYMAC LOAN SERVICES, LLC 8 3.00% $5,328
PRIMELENDING, A PLAINSCAPITAL COMPANY 8 3.20% $4,334
UBS Bank USA 8 2.89% $5,495
Citizens Bank 8 3.00% $6,202
First Horizon Bank 8 3.03% $5,823
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 7 3.04% $7,057
Charles Schwab Bank, SSB 7 2.38% $4,121
Pinnacle Bank 7 3.09% $5,082
BANKSOUTH MORTGAGE COMPANY, LLC 6 3.04% $8,415
First Federal Bank 6 3.15% $7,902
LENDUS, LLC 6 3.30% $4,801
American Security Mortgage Corp. 6 2.77% $3,927
NBKC BANK 5 2.78% $3,252
Magnolia Bank 5 2.78% $4,165
Fifth Third Bank 5 3.07% $6,737
NEWREZ LLC 5 3.27% $6,237
BROKER SOLUTIONS, INC. 5 3.19% $3,858
Gateway First Bank 4 3.28% $2,773
Mr. Cooper ( Nationstar Mortgage ) 4 3.13% $4,861
Northpointe Bank 4 3.94% $6,133
CALIBER HOME LOANS, INC. 4 3.09% $4,755
AgFirst Farm Credit Bank 4 3.03% $5,232
Southern First Bank 4 2.91% $6,867
Wyndham Capital Mortgage, Inc. 4 3.09% $3,205
PNC Bank 4 2.97% $6,416
ROYAL UNITED MORTGAGE LLC 3 3.83% $5,542
Capital City Home Loans, LLC 3 3.54% $7,960
ZILLOW HOME LOANS, LLC 3 2.88% $3,031
Prosperity Home Mortgage, LLC 3 3.00% $3,954
PHH Mortgage Corporation 3 3.21% $8,930
BNY Mellon 3 2.46% $5,027
BNC National Bank 3 3.13% $5,238
CRESCENT MORTGAGE COMPANY 3 3.13% $5,523
CROSSCOUNTRY MORTGAGE, LLC 3 2.99% $4,678
Stifel Bank and Trust 3 2.67% $4,626
Synovus Bank 3 2.96% $12,724
Bank of England 3 3.54% $5,051
HOME POINT FINANCIAL CORPORATION 3 2.67% $6,110
Republic Bank & Trust Company 3 2.67% $3,783
THE MORTGAGE FIRM, INC. 2 3.31% $4,163
ACOPIA, LLC 2 3.62% $4,196
AMERICAN FINANCIAL NETWORK, INC. 2 3.00% $6,853
AmeriHome Mortgage Company, LLC 2 2.75% $3,736
ANGEL OAK HOME LOANS LLC 2 2.75% $15,273
BAYSHORE MORTGAGE FUNDING, LLC 2 3.50% $4,989
CALCON MUTUAL MORTGAGE LLC 2 3.25% $4,652
CHURCHILL MORTGAGE CORPORATION 2 3.25% $4,154
CIBC Bank USA 2 2.25% $6,859
Corporate Investors Mortgage Group, Inc. 2 3.06% $4,246
Dollar Bank, Federal Savings Bank 2 2.94% $6,182
EQUITY RESOURCES, INC. 2 2.94% $4,387
FAIR WAY LENDING LLC 2 3.31% $4,748
FBC MORTGAGE, LLC 2 3.18% $7,051
FINANCE OF AMERICA MORTGAGE LLC 2 2.88% $2,897
FREEDOM MORTGAGE CORPORATION 2 3.25% $2,261
Goldman Sachs Bank USA 2 2.53% $6,067
Goldwater Bank, N.A. 2 3.63% $6,825
InterContinental Capital Group, Inc 2 3.25% $7,109
LADERA LENDING, INC. 2 3.25% $5,317
LOANPAL, LLC 2 3.50% $7,802
MCLEAN MORTGAGE CORPORATION 2 3.06% $3,431
MILEND, INC. 2 3.13% $6,467
MORTGAGE FINANCIAL GROUP, INC. 2 3.13% $8,520
Mortgage Research Center, LLC 2 2.56% $2,397
MUTUAL OF OMAHA MORTGAGE, INC. 2 3.18% $4,581
NFM, INC. 2 3.44% $3,137
NP, Inc. 2 3.25% $5,320
Paramount Residential Mortgage Group, Inc. 2 3.12% $5,171
PRIMARY RESIDENTIAL MORTGAGE, INC. 2 3.00% $4,129
RESIDENTIAL MORTGAGE SERVICES, INC. 2 3.25% $3,683
SeaTrust Mortgage Company 2 3.06% $5,455
SHARONVIEW FEDERAL CREDIT UNION 2 2.94% $3,769
Sierra Pacific Mortgage Company, Inc. 2 3.75% $7,682
STEARNS LENDING, LLC 2 2.75% $6,844
Towne Bank 2 3.44% $6,576
Truliant Federal Credit Union 2 3.19% $4,050
UNION HOME MORTGAGE CORP. 2 3.00% $3,521
Valley National Bank 2 3.13% $6,667
First National Bank of Pennsylvania 1 2.63% $5,495
First Internet Bank of Indiana 1 3.13% $2,738
TOP FLITE FINANCIAL, INC. 1 3.25% $7,652
FIRST HOME MORTGAGE CORPORATION 1 3.63% $5,002
First Home Bank 1 3.00% $7,931
AMERICAN FEDERAL MORTGAGE CORPORATION 1 2.75% $3,510
TOWNE MORTGAGE COMPANY 1 3.25% $2,695
FirstBank 1 3.13% $2,139
MORTGAGE EQUITY PARTNERS LLC 1 3.25% $3,799
Atlantic Home Loans, Inc. 1 2.75% $4,856
Mortgage Network, Inc. 1 2.88% $6,389
West Town Bank & Trust 1 2.75% $2,978
First American Bank and Trust Company 1 2.50% $3,383
Financial Federal Bank 1 3.13% $4,162
ARK-LA-TEX FINANCIAL SERVICES, LLC. 1 3.38% $4,386
EMBRACE HOME LOANS, INC. 1 2.63% $3,788
DELTA COMMUNITY CREDIT UNION 1 2.88% $4,331
DAS Acquisition Company, LLC 1 3.00% $2,827
Countybank 1 2.75% $2,951
UIF CORPORATION 1 3.00% $6,064
North American Savings Bank, F.S.B. 1 2.63% $917
CORNERSTONE HOME LENDING, INC. 1 2.75% $4,763
Northwest Federal Credit Union 1 2.63% $2,995
Alpha Mortgage Corporation 1 3.25% $4,059
Old National Bank 1 3.50% $3,297
UNITED 1 4.00% $8,116
Commerce Bank 1 2.63% $6,127
Colten Mortgage, LLC 1 2.75% $2,789
Coastal Carolina National Bank 1 5.00% $4,081
PLUS RELOCATION MORTGAGE, LLC 1 3.38% $2,714
CMG MORTGAGE, INC. 1 4.38% $3,720
PREMIA MORTGAGE, LLC 1 3.50% $4,673
ANGEL OAK MORTGAGE SOLUTIONS LLC 1 5.87% $25,605
City National Bank of Florida 1 2.38% $5,039
CITY FIRST MORTGAGE SERVICES, L.L.C. 1 3.63% $4,974
Citizens & Northern Bank 1 3.25% $3,874
Christensen Financial, Inc. 1 3.25% $4,052
RELIANCE FIRST CAPITAL, LLC 1 3.99% $4,643
Cf Bank 1 3.00% $1,814
CERTAINTY HOME LOANS, LLC 1 2.99% $7,516
United Nations Federal Credit Union 1 2.88% $3,380
RESOURCE FINANCIAL SERVICES, INC. 1 2.63% $3,185
Centennial Bank 1 4.00% $3,259
AMERIFIRST FINANCIAL CORPORATION 1 3.38% $5,065
AMERICAN FINANCING CORPORATION 1 2.63% $12,971
US MORTGAGE CORPORATION 1 3.50% $2,794
Silicon Valley Bank 1 2.13% $7,840
SIRVA MORTGAGE, INC. 1 2.88% $5,952
South Atlantic Bank 1 3.13% $4,188
SOUTH CAROLINA FEDERAL CREDIT UNION 1 2.75% $6,351
CAROLINAS TELCO FEDERAL CREDIT UNION 1 3.38% $4,564
SOUTHPOINT FINANCIAL SERVICES, INC. 1 2.50% $9,347
BMO Harris Bank 1 2.38% $8,076
Blue Ridge Bank 1 2.88% $2,731
Advisors Mortgage Group, L.L.C. 1 3.25% $4,586
BAY EQUITY LLC 1 2.99% $5,355
Stride Bank 1 2.88% $5,022
Strong Home Mortgage, LLC 1 3.25% $1,632
SUCCESS MORTGAGE PARTNERS, INC. 1 2.75% $10,007
SUN WEST MORTGAGE COMPANY, INC. 1 3.35% $2,196
Baxter Credit Union 1 3.88% $3,242
Bank of Tennessee 1 3.21% $12,606
THE EQUITABLE MORTGAGE CORPORATION 1 2.88% $2,255
The Fidelity Bank 1 3.00% $4,589
1st National Bank 1 3.00% $750
The Northern Trust Company 1 3.00% $4,181
GMFS LLC 1 3.00% $3,441
The Park National Bank 1 3.00% $3,496
GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 1 2.99% $8,075
The Union Bank Company 1 3.00% $3,550
GoPrime Mortgage, Inc. 1 2.75% $3,867
GENISYS 1 3.38% $4,978
Gulf Coast Bank and Trust Company 1 2.88% $4,678
GENEVA FINANCIAL, LLC 1 3.50% $8,266
HOMEBRIDGE FINANCIAL SERVICES, INC. 1 3.25% $7,659
HOMEOWNERS FINANCIAL GROUP USA, LLC 1 3.38% $2,598
FOUNDERS FEDERAL CREDIT UNION 1 2.50% $6,516
Florida Capital Bank 1 3.00% $4,051
Flagstar Bank, FSB 1 2.99% $8,299
HOMESTEAD FUNDING CORP. 1 3.00% $3,141
First Western Trust Bank 1 2.63% $3,691
INTERCOASTAL MORTGAGE COMPANY 1 2.88% $9,095
TIAA, FSB 1 3.13% $3,843
INTERLINC MORTGAGE SERVICES, LLC 1 3.50% $5,077
JMAC LENDING, INC. 1 4.50% $19,953
FIRST SAVINGS MORTGAGE CORPORATION 1 3.00% $4,365
First Republic Bank 1 2.75% $4,171
TJC Mortgage, Inc. 1 3.13% $4,512
LENDERFI, INC. 1 2.63% $1,758

Cullowhee, NC's 199 lenders originated 2,398 loans during 2021. The total origination value was $757,850,000, with an average loan value of $316,034.

The top Cullowhee lender as defined by loan originations is STATE EMPLOYEES', with 152 loans originated. Their average total fees are $4,130, which is $1,385 lower than the next largest lender, QUICKEN LOANS, LLC.

The lowest fee Cullowhee lenders (with over 10 loans originated) are Wells Fargo Bank ($3,336), JPMorgan Chase Bank ($3,530), HOMESTAR FINANCIAL CORPORATION ($3,746), CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP ($3,890) and HomeTrust Bank ($3,919).

The lowest rate Cullowhee lenders (with over 10 loans originated) are Bank of America (2.56%), Morgan Stanley Private Bank (2.58%), JPMorgan Chase Bank (2.80%), Truist Bank (2.86%) and KELLER MORTGAGE, LLC (2.86%).

Cullowhee, NC Lender Market Share & Volume

Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.

Name 2020 Loan Value 2021 Loan Value % Change 2021 Market Share
STATE EMPLOYEES' $33,235,000 $60,870,000 83.2% 8.0%
QUICKEN LOANS, LLC $48,070,000 $49,560,000 3.1% 6.5%
United Community Bank $39,455,000 $39,080,000 -1.0% 5.2%
First-Citizens Bank & Trust Company $34,100,000 $34,940,000 2.5% 4.6%
Truist Bank $23,710,000 $24,675,000 4.1% 3.3%
Wells Fargo Bank $20,880,000 $23,960,000 14.8% 3.2%
HOMESTAR FINANCIAL CORPORATION $14,385,000 $20,910,000 45.4% 2.8%
Bank of America $19,715,000 $19,075,000 -3.2% 2.5%
Regions Bank $12,370,000 $18,985,000 53.5% 2.5%
ATLANTIC BAY MORTGAGE GROUP, L.L.C. $10,715,000 $17,345,000 61.9% 2.3%
U.S. Bank $12,660,000 $16,665,000 31.6% 2.2%
JPMorgan Chase Bank $12,545,000 $15,175,000 21.0% 2.0%
MOVEMENT MORTGAGE, LLC $8,430,000 $14,885,000 76.6% 2.0%
Morgan Stanley Private Bank $7,140,000 $13,475,000 88.7% 1.8%
South State Bank $10,740,000 $11,550,000 7.5% 1.5%
LOANDEPOT.COM, LLC $4,430,000 $10,255,000 131.5% 1.4%
UNITED WHOLESALE MORTGAGE, LLC $3,915,000 $10,010,000 155.7% 1.3%
Renasant Bank $3,645,000 $9,000,000 146.9% 1.2%
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. $9,615,000 $8,650,000 -10.0% 1.1%
KELLER MORTGAGE, LLC $7,185,000 $7,470,000 4.0% 1.0%
Ameris Bank $9,665,000 $7,325,000 -24.2% 1.0%
Pinnacle Bank $5,170,000 $7,320,000 41.6% 1.0%
Charles Schwab Bank, SSB $5,350,000 $6,685,000 25.0% 0.9%
Citizens Bank $455,000 $6,505,000 1,329.7% 0.9%
First Horizon Bank $335,000 $6,155,000 1,737.3% 0.8%
Champion Credit Union $7,620,000 $6,120,000 -19.7% 0.8%
LOCAL GOVERNMENT FEDERAL CREDIT UNION $3,205,000 $6,080,000 89.7% 0.8%
NAVY FEDERAL CREDIT UNION $3,930,000 $6,010,000 52.9% 0.8%
Mortgage Research Center, LLC $3,940,000 $5,965,000 51.4% 0.8%
HomeTrust Bank $1,245,000 $5,870,000 371.5% 0.8%
UBS Bank USA $2,425,000 $5,860,000 141.6% 0.8%
FREEDOM MORTGAGE CORPORATION $6,515,000 $5,850,000 -10.2% 0.8%
PENNYMAC LOAN SERVICES, LLC $905,000 $5,680,000 527.6% 0.7%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $1,125,000 $5,545,000 392.9% 0.7%
TD Bank $4,245,000 $5,515,000 29.9% 0.7%
AgFirst Farm Credit Bank $5,080,000 $5,495,000 8.2% 0.7%
Southern First Bank $740,000 $5,210,000 604.1% 0.7%
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $4,205,000 $4,995,000 18.8% 0.7%
BETTER MORTGAGE CORPORATION $3,515,000 $4,860,000 38.3% 0.6%
Synovus Bank $1,605,000 $4,825,000 200.6% 0.6%
Mr. Cooper ( Nationstar Mortgage ) $780,000 $4,695,000 501.9% 0.6%
Select Bank & Trust Company $1,915,000 $4,415,000 130.5% 0.6%
First National Bank of Pennsylvania $1,005,000 $4,350,000 332.8% 0.6%
PNC Bank $2,670,000 $4,330,000 62.2% 0.6%
Goldman Sachs Bank USA $1,725,000 $4,180,000 142.3% 0.6%
Guaranty Bank and Trust Company $3,515,000 n/a 0.5%
BNY Mellon $4,780,000 $3,510,000 -26.6% 0.5%
BANKSOUTH MORTGAGE COMPANY, LLC $450,000 $3,505,000 678.9% 0.5%
AMERISAVE MORTGAGE CORPORATION $1,190,000 $3,465,000 191.2% 0.5%
PRIMELENDING, A PLAINSCAPITAL COMPANY $3,155,000 $3,455,000 9.5% 0.5%
Fifth Third Bank $1,845,000 $3,440,000 86.4% 0.5%
Morris Bank $3,115,000 n/a 0.4%
VANDERBILT MORTGAGE AND FINANCE, INC. $1,670,000 $3,035,000 81.7% 0.4%
GUARANTEED RATE, INC. $5,735,000 $2,970,000 -48.2% 0.4%
BROKER SOLUTIONS, INC. $1,160,000 $2,955,000 154.7% 0.4%
NEWREZ LLC $715,000 $2,945,000 311.9% 0.4%
NEW DAY FINANCIAL, LLC $785,000 $2,925,000 272.6% 0.4%
MUTUAL OF OMAHA MORTGAGE, INC. $1,430,000 $2,915,000 103.8% 0.4%
ANGEL OAK HOME LOANS LLC $445,000 $2,665,000 498.9% 0.4%
MID AMERICA MORTGAGE, INC. $1,550,000 $2,650,000 71.0% 0.3%
CIBC Bank USA $3,915,000 $2,630,000 -32.8% 0.3%
5TH STREET CAPITAL, INC. $2,625,000 n/a 0.3%
American Security Mortgage Corp. $1,925,000 $2,530,000 31.4% 0.3%
Capital City Home Loans, LLC $510,000 $2,455,000 381.4% 0.3%
Stifel Bank and Trust $925,000 $2,445,000 164.3% 0.3%
LENDUS, LLC $450,000 $2,420,000 437.8% 0.3%
NBKC BANK $885,000 $2,405,000 171.8% 0.3%
CALIBER HOME LOANS, INC. $1,285,000 $2,370,000 84.4% 0.3%
First Federal Bank $710,000 $2,200,000 209.9% 0.3%
The Piedmont Bank $2,105,000 n/a 0.3%
HOMESIDE FINANCIAL, LLC $1,605,000 $2,090,000 30.2% 0.3%
Northpointe Bank $2,870,000 $2,015,000 -29.8% 0.3%
FineMark National Bank & Trust $2,005,000 n/a 0.3%
Silicon Valley Bank $1,965,000 n/a 0.3%
UNITED $2,540,000 $1,905,000 -25.0% 0.3%
Magnolia Bank $5,520,000 $1,850,000 -66.5% 0.2%
LAKEVIEW LOAN SERVICING, LLC $455,000 $1,845,000 305.5% 0.2%
Wyndham Capital Mortgage, Inc. $2,025,000 $1,815,000 -10.4% 0.2%
Visio Financial Services Inc. $1,810,000 n/a 0.2%
Nations Lending Corporation $1,795,000 n/a 0.2%
FINANCE OF AMERICA REVERSE LLC $215,000 $1,775,000 725.6% 0.2%
COASTAL Federal Credit Union $1,720,000 n/a 0.2%
Progressive Bank $675,000 $1,665,000 146.7% 0.2%
CROSSCOUNTRY MORTGAGE, LLC $3,755,000 $1,590,000 -57.7% 0.2%
Kleberg Bank, N.A $1,565,000 n/a 0.2%
HOME POINT FINANCIAL CORPORATION $855,000 $1,555,000 81.9% 0.2%
UNION HOME MORTGAGE CORP. $745,000 $1,530,000 105.4% 0.2%
Comerica Bank $1,505,000 n/a 0.2%
First Home Bank $1,165,000 $1,460,000 25.3% 0.2%
CRESCENT MORTGAGE COMPANY $1,420,000 n/a 0.2%
ALABAMA CREDIT UNION $1,335,000 n/a 0.2%
PHH Mortgage Corporation $450,000 $1,265,000 181.1% 0.2%
North State Bank $1,210,000 n/a 0.2%
Gateway First Bank $1,140,000 n/a 0.2%
Valley National Bank $315,000 $1,130,000 258.7% 0.1%
BNC National Bank $325,000 $1,110,000 241.5% 0.1%
ServisFirst Bank $1,100,000 n/a 0.1%
FAIR WAY LENDING LLC $210,000 $1,070,000 409.5% 0.1%
JMAC LENDING, INC. $1,055,000 n/a 0.1%
SUN WEST MORTGAGE COMPANY, INC. $1,755,000 $1,050,000 -40.2% 0.1%
Bank of England $655,000 $1,030,000 57.3% 0.1%
VILLAGE CAPITAL & INVESTMENT LLC $310,000 $1,025,000 230.6% 0.1%
AMERICAN FINANCIAL NETWORK, INC. $885,000 $1,020,000 15.3% 0.1%
Corporate Investors Mortgage Group, Inc. $1,015,000 n/a 0.1%
ANGEL OAK MORTGAGE SOLUTIONS LLC $1,005,000 n/a 0.1%
Flagstar Bank, FSB $2,145,000 $1,005,000 -53.1% 0.1%
FBC MORTGAGE, LLC $460,000 $995,000 116.3% 0.1%
Commerce Bank $980,000 n/a 0.1%
BMO Harris Bank $1,955,000 $975,000 -50.1% 0.1%
THE MORTGAGE FIRM, INC. $420,000 $975,000 132.1% 0.1%
ZILLOW HOME LOANS, LLC $460,000 $965,000 109.8% 0.1%
ACOPIA, LLC $315,000 $945,000 200.0% 0.1%
INTERLINC MORTGAGE SERVICES, LLC $930,000 n/a 0.1%
NP, Inc. $930,000 n/a 0.1%
SeaTrust Mortgage Company $920,000 n/a 0.1%
First US Bank $915,000 n/a 0.1%
USAA Federal Savings Bank $2,720,000 $905,000 -66.7% 0.1%
21ST MORTGAGE CORPORATION $570,000 $855,000 50.0% 0.1%
RESIDENTIAL MORTGAGE SERVICES, INC. $175,000 $810,000 362.9% 0.1%
BAYSHORE MORTGAGE FUNDING, LLC $795,000 n/a 0.1%
First Republic Bank $795,000 n/a 0.1%
Prosperity Home Mortgage, LLC $575,000 $775,000 34.8% 0.1%
FirstBank $155,000 $765,000 393.5% 0.1%
Marine Bank & Trust Company $765,000 n/a 0.1%
Towne Bank $695,000 $760,000 9.4% 0.1%
City National Bank of Florida $755,000 n/a 0.1%
InterContinental Capital Group, Inc $175,000 $745,000 325.7% 0.1%
LADERA LENDING, INC. $740,000 n/a 0.1%
Bank of Tennessee $735,000 n/a 0.1%
RESOURCE FINANCIAL SERVICES, INC. $1,285,000 $735,000 -42.8% 0.1%
STEARNS LENDING, LLC $725,000 n/a 0.1%
SUCCESS MORTGAGE PARTNERS, INC. $555,000 $690,000 24.3% 0.1%
BankSouth $680,000 n/a 0.1%
MILEND, INC. $275,000 $675,000 145.5% 0.1%
Truliant Federal Credit Union $35,000 $675,000 1,828.6% 0.1%
First Guaranty Mortgage Corporation $770,000 $665,000 -13.6% 0.1%
TJC Mortgage, Inc. $305,000 $660,000 116.4% 0.1%
Cf Bank $1,170,000 $645,000 -44.9% 0.1%
United Nations Federal Credit Union $645,000 n/a 0.1%
BAY EQUITY LLC $640,000 n/a 0.1%
DIRECT MORTGAGE LOANS, LLC $620,000 n/a 0.1%
GENISYS $605,000 n/a 0.1%
FINANCE OF AMERICA MORTGAGE LLC $105,000 $600,000 471.4% 0.1%
MORTGAGE FINANCIAL GROUP, INC. $1,180,000 $600,000 -49.2% 0.1%
The Fidelity Bank $600,000 n/a 0.1%
GENEVA FINANCIAL, LLC $590,000 n/a 0.1%
The Northern Trust Company $1,005,000 $575,000 -42.8% 0.1%
EQUITY RESOURCES, INC. $335,000 $565,000 68.7% 0.1%
CMG MORTGAGE, INC. $155,000 $550,000 254.8% 0.1%
North American Savings Bank, F.S.B. $545,000 n/a 0.1%
South Atlantic Bank $545,000 n/a 0.1%
Paramount Residential Mortgage Group, Inc. $1,655,000 $540,000 -67.4% 0.1%
Dollar Bank, Federal Savings Bank $1,030,000 $530,000 -48.5% 0.1%
AmeriHome Mortgage Company, LLC $705,000 $515,000 -27.0% 0.1%
Cadence Bank, N.A. $1,440,000 $515,000 -64.2% 0.1%
CORNERSTONE HOME LENDING, INC. $515,000 n/a 0.1%
PRIMARY RESIDENTIAL MORTGAGE, INC. $515,000 $510,000 -1.0% 0.1%
Republic Bank & Trust Company $480,000 $505,000 5.2% 0.1%
MCLEAN MORTGAGE CORPORATION $500,000 n/a 0.1%
INTERCOASTAL MORTGAGE COMPANY $495,000 n/a 0.1%
CHURCHILL MORTGAGE CORPORATION $510,000 $485,000 -4.9% 0.1%
HOMESTEAD FUNDING CORP. $295,000 $465,000 57.6% 0.1%
Mortgage Network, Inc. $465,000 n/a 0.1%
Florida Capital Bank $205,000 $445,000 117.1% 0.1%
CALCON MUTUAL MORTGAGE LLC $430,000 n/a 0.1%
Strong Home Mortgage, LLC $425,000 n/a 0.1%
The Park National Bank $1,300,000 $425,000 -67.3% 0.1%
GMFS LLC $485,000 $415,000 -14.4% 0.1%
HAMILTON HOME LOANS, INC. $415,000 n/a 0.1%
The Central Trust Bank $265,000 $405,000 52.8% 0.1%
SHARONVIEW FEDERAL CREDIT UNION $400,000 n/a 0.1%
Coastal Carolina National Bank $395,000 n/a 0.1%
GEORGIA UNITED $395,000 n/a 0.1%
Thomasville National Bank $385,000 $395,000 2.6% 0.1%
First Bank $840,000 $380,000 -54.8% 0.1%
LOANPAL, LLC $840,000 $380,000 -54.8% 0.1%
BELEM SERVICING LLC $375,000 n/a 0.0%
Financial Federal Bank $770,000 $375,000 -51.3% 0.0%
PREMIA MORTGAGE, LLC $375,000 n/a 0.0%
FIRST SAVINGS MORTGAGE CORPORATION $365,000 n/a 0.0%
The Bank of South Carolina $365,000 n/a 0.0%
UIF CORPORATION $365,000 n/a 0.0%
Alpha Mortgage Corporation $360,000 n/a 0.0%
BancorpSouth Bank $605,000 $355,000 -41.3% 0.0%
FOUNDERS FEDERAL CREDIT UNION $440,000 $355,000 -19.3% 0.0%
SOFI LENDING CORP. $420,000 $355,000 -15.5% 0.0%
TOWNE MORTGAGE COMPANY $360,000 $355,000 -1.4% 0.0%
First Reliance Bank $625,000 $350,000 -44.0% 0.0%
PANORAMA MORTGAGE GROUP, LLC $345,000 n/a 0.0%
Sierra Pacific Mortgage Company, Inc. $340,000 n/a 0.0%
First Community Bank $610,000 $335,000 -45.1% 0.0%
RELIANCE FIRST CAPITAL, LLC $875,000 $330,000 -62.3% 0.0%
CapStar Bank $325,000 n/a 0.0%
ROYAL UNITED MORTGAGE LLC $145,000 $325,000 124.1% 0.0%
AMERIFIRST FINANCIAL CORPORATION $315,000 n/a 0.0%
ARK-LA-TEX FINANCIAL SERVICES, LLC. $315,000 n/a 0.0%
CERTAINTY HOME LOANS, LLC $315,000 n/a 0.0%
CITY FIRST MORTGAGE SERVICES, L.L.C. $315,000 $315,000 0.0% 0.0%
NFM, INC. $225,000 $310,000 37.8% 0.0%
1st National Bank $305,000 n/a 0.0%
AMERICAN FINANCING CORPORATION $685,000 $305,000 -55.5% 0.0%
The Citizens Bank $305,000 n/a 0.0%
The First National Bank of Pandora $95,000 $305,000 221.1% 0.0%
FIRST HOME MORTGAGE CORPORATION $295,000 n/a 0.0%
HOMEOWNERS FINANCIAL GROUP USA, LLC $295,000 n/a 0.0%
Uwharrie Bank $925,000 $295,000 -68.1% 0.0%
EVANSVILLE TEACHERS $285,000 n/a 0.0%
Origin Bank $705,000 $285,000 -59.6% 0.0%
AMERICAN FEDERAL MORTGAGE CORPORATION $275,000 n/a 0.0%
Evolve Bank & Trust $125,000 $275,000 120.0% 0.0%
Goldwater Bank, N.A. $270,000 n/a 0.0%
Ally Bank $1,915,000 $255,000 -86.7% 0.0%
Gulf Coast Bank and Trust Company $255,000 n/a 0.0%
HOMEBRIDGE FINANCIAL SERVICES, INC. $495,000 $255,000 -48.5% 0.0%
Stride Bank $255,000 n/a 0.0%
Third Federal Savings and Loan Association of Cleveland $130,000 $250,000 92.3% 0.0%
Peoples Bank $205,000 $245,000 19.5% 0.0%
West Town Bank & Trust $245,000 n/a 0.0%
Barrington Bank & Trust Company, N.A. $145,000 $235,000 62.1% 0.0%
LENDERFI, INC. $235,000 n/a 0.0%
United Bank $155,000 $235,000 51.6% 0.0%
CAROLINAS TELCO FEDERAL CREDIT UNION $225,000 n/a 0.0%
Independence Bank of Kentucky $225,000 n/a 0.0%
ALLIED MORTGAGE GROUP, INC. $215,000 $215,000 0.0% 0.0%
ARC HOME LLC $185,000 $215,000 16.2% 0.0%
Centennial Bank $505,000 $215,000 -57.4% 0.0%
Commonwealth Bank and Trust Company $215,000 n/a 0.0%
THE EQUITABLE MORTGAGE CORPORATION $215,000 n/a 0.0%
The Union Bank Company $195,000 $215,000 10.3% 0.0%
US MORTGAGE CORPORATION $215,000 n/a 0.0%
Carrington Mortgage Services, LLC $520,000 $210,000 -59.6% 0.0%
GoPrime Mortgage, Inc. $1,190,000 $210,000 -82.4% 0.0%
AMERICAN ADVISORS GROUP $65,000 $205,000 215.4% 0.0%
Christensen Financial, Inc. $770,000 $205,000 -73.4% 0.0%
Citizens & Northern Bank $205,000 n/a 0.0%
GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION $440,000 $205,000 -53.4% 0.0%
Mid-Continent Funding, Inc. $205,000 n/a 0.0%
Old National Bank $205,000 n/a 0.0%
OWNERSCHOICE FUNDING, INCORPORATED $205,000 n/a 0.0%
SOUTHPOINT FINANCIAL SERVICES, INC. $145,000 $205,000 41.4% 0.0%
Atlantic Home Loans, Inc. $195,000 n/a 0.0%
SOVEREIGN LENDING GROUP INCORPORATED $195,000 n/a 0.0%
Colten Mortgage, LLC $185,000 n/a 0.0%
EMBRACE HOME LOANS, INC. $410,000 $185,000 -54.9% 0.0%
First Internet Bank of Indiana $185,000 n/a 0.0%
First Western Trust Bank $185,000 n/a 0.0%
SIRVA MORTGAGE, INC. $185,000 n/a 0.0%
SOUTH CAROLINA FEDERAL CREDIT UNION $345,000 $185,000 -46.4% 0.0%
TIAA, FSB $635,000 $185,000 -70.9% 0.0%
Citibank $1,760,000 $175,000 -90.1% 0.0%
ENVOY MORTGAGE, LTD $1,155,000 $175,000 -84.8% 0.0%
KeyBank $165,000 n/a 0.0%
PLUS RELOCATION MORTGAGE, LLC $165,000 n/a 0.0%
First American Bank and Trust Company $645,000 $155,000 -76.0% 0.0%
TOP FLITE FINANCIAL, INC. $155,000 n/a 0.0%
Blue Ridge Bank $590,000 $145,000 -75.4% 0.0%
MORTGAGE EQUITY PARTNERS LLC $145,000 n/a 0.0%
Advisors Mortgage Group, L.L.C. $135,000 n/a 0.0%
Atlantic Coast Mortgage, LLC $135,000 n/a 0.0%
DAS Acquisition Company, LLC $245,000 $135,000 -44.9% 0.0%
DELTA COMMUNITY CREDIT UNION $1,000,000 $135,000 -86.5% 0.0%
AMERICAN FINANCIAL RESOURCES, INC. $425,000 $125,000 -70.6% 0.0%
Axos Bank $125,000 n/a 0.0%
First State Community Bank $125,000 n/a 0.0%
Baxter Credit Union $115,000 n/a 0.0%
Hometown Lenders, Inc. $275,000 $115,000 -58.2% 0.0%
Abbott Laboratories Employees Credit Union $105,000 n/a 0.0%
ALLIANT CREDIT UNION $105,000 n/a 0.0%
Northwest Federal Credit Union $345,000 $105,000 -69.6% 0.0%
ALL REVERSE MORTGAGE, INC. $95,000 n/a 0.0%
CIS Financial Services, Inc. $95,000 n/a 0.0%
PENTAGON FEDERAL CREDIT UNION $1,180,000 $95,000 -91.9% 0.0%
Community First Bank, Inc. $85,000 n/a 0.0%
Countybank $505,000 $75,000 -85.1% 0.0%
American National Bank and Trust Company $355,000 $65,000 -81.7% 0.0%
Bank OZK $45,000 n/a 0.0%

Cullowhee's top lender by overall market share is STATE EMPLOYEES', with 8.0% market share. In second place, with 6.5%, is QUICKEN LOANS, LLC, having originated $49,560,000 in loans. In third place, with 5.2%, is United Community Bank, having originated $39,080,000 in loans. In third place, with 4.6%, is First-Citizens Bank & Trust Company, having originated $34,940,000 in loans. In third place, with 3.3%, is Truist Bank, having originated $24,675,000 in loans.


Cullowhee, NC Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 1,046 $384,480,000 $367,572
Refi 839 $220,295,000 $262,569
Cash Out Refi 303 $97,365,000 $321,337
Other 114 $40,310,000 $353,596
Home Improvement 96 $15,400,000 $160,417

Cullowhee's most frequently cited loan purpose was Home Purchase, with 1,046 originations. The 2nd most popular reason was Refi, with 839 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
2.5-3% 989 $295,005,000 $298,286
3-4% 907 $274,995,000 $303,192
<2.5% 363 $136,305,000 $375,496
4-5% 72 $22,060,000 $306,389
Over 8% 15 $1,645,000 $109,667
5-6% 13 $3,995,000 $307,308
6-7% 12 $1,340,000 $111,667
7-8% 6 $660,000 $110,000

During 2021, Cullowhee's most frequently originated rate bucket was 2.5-3%, with 989 originations.

Loan Sizing (Cullowhee, NC MSA)

Loan Size Originations Total Value Average Loan
$200k-400k 930 $256,860,000 $276,194
$100k-200k 739 $112,825,000 $152,673
$100,000 or less 259 $16,825,000 $64,961
$400k-600k 257 $123,195,000 $479,358
$600k-1000k 111 $83,715,000 $754,189
$Over $1MM 102 $164,430,000 $1,612,059

Cullowhee's loan sizing saw the bucket of loans from $200k-400k with 930 originations, totaling $256,860,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
60-80% 862 $320,250,000 $371,520
80-100% 787 $227,955,000 $289,651
40-60% 385 $124,755,000 $324,039
20-40% 181 $39,645,000 $219,033
Under 20% 103 $8,445,000 $81,990
Over 100% 25 $6,265,000 $250,600

Cullowhee's loan sizing saw loans grouped in the 60-80% Loan-to-value bucket with 862 originations, totaling $320,250,000 in origination value.


Market Conditions (Median, Average Prices & Listing Count)

Realtor.com - Cullowhee (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Price (YoY Change) Average Listing Price (YoY) MSA/US Median Price Ratio Active Listings
2018-01-01 $374,950 (7.4%) $662,079 (12.7%) 0.00 910
2018-02-01 $379,000 (8.4%) $666,351 (13.4%) 0.00 807
2018-03-01 $374,900 (3.0%) $674,333 (13.3%) 0.00 801
2018-04-01 $379,450 (0.4%) $676,781 (7.0%) 0.00 812
2018-05-01 $399,000 (2.6%) $669,557 (3.3%) 0.00 844
2018-06-01 $399,999 (1.1%) $672,797 (1.4%) 0.00 901
2018-07-01 $400,000 (0.3%) $661,548 (-1.8%) 0.00 944
2018-08-01 $419,500 (5.8%) $668,138 (0.6%) 0.00 935
2018-09-01 $424,500 (6.4%) $666,856 (-0.6%) 0.00 930
2018-10-01 $421,750 (6.3%) $665,141 (0.3%) 0.00 938
2018-11-01 $424,750 (8.4%) $674,757 (2.4%) 0.00 879
2018-12-01 $425,000 (10.4%) $664,476 (-0.2%) 0.00 848
2019-01-01 $417,250 (11.3%) $658,498 (-0.5%) 0.00 740
2019-02-01 $413,000 (9.0%) $651,560 (-2.2%) 0.00 748
2019-03-01 $411,286 (9.7%) $649,125 (-3.7%) 0.00 764
2019-04-01 $410,045 (8.1%) $640,664 (-5.3%) 0.00 805
2019-05-01 $417,000 (4.5%) $637,461 (-4.8%) 0.00 899
2019-06-01 $418,000 (4.5%) $621,607 (-7.6%) 0.00 924
2019-07-01 $417,000 (4.3%) $632,688 (-4.4%) 0.00 919
2019-08-01 $416,371 (-0.8%) $643,749 (-3.7%) 0.00 897
2019-09-01 $420,921 (-0.8%) $656,282 (-1.6%) 0.00 858
2019-10-01 $416,950 (-1.1%) $664,050 (-0.2%) 0.00 850
2019-11-01 $408,000 (-3.9%) $673,214 (-0.2%) 0.00 793
2019-12-01 $399,000 (-6.1%) $652,404 (-1.8%) 0.00 766
2020-01-01 $393,500 (-5.7%) $634,430 (-3.7%) 0.00 688
2020-02-01 $399,500 (-3.3%) $642,792 (-1.4%) 0.00 644
2020-03-01 $417,000 (1.4%) $651,826 (0.4%) 0.00 661
2020-04-01 $424,950 (3.6%) $667,366 (4.2%) 0.00 672
2020-05-01 $448,500 (7.6%) $700,261 (9.9%) 0.00 667
2020-06-01 $454,700 (8.8%) $737,437 (18.6%) 0.00 631
2020-07-01 $435,000 (4.3%) $766,437 (21.1%) 0.00 562
2020-08-01 $448,500 (7.7%) $782,403 (21.5%) 0.00 462
2020-09-01 $448,750 (6.6%) $784,081 (19.5%) 0.00 411
2020-10-01 $499,900 (19.9%) $802,615 (20.9%) 0.00 399
2020-11-01 $530,000 (29.9%) $841,017 (24.9%) 0.00 356
2020-12-01 $564,500 (41.5%) $896,243 (37.4%) 0.00 320
2021-01-01 $574,900 (46.1%) $896,980 (41.4%) 0.00 275
2021-02-01 $574,950 (43.9%) $934,572 (45.4%) 0.00 240
2021-03-01 $615,000 (47.5%) $1,003,828 (54.0%) 0.00 213
2021-04-01 $598,750 (40.9%) $1,033,923 (54.9%) 0.00 215
2021-05-01 $625,000 (39.4%) $1,049,529 (49.9%) 0.00 214
2021-06-01 $582,000 (28.0%) $1,045,610 (41.8%) 0.00 263
2021-07-01 $637,450 (46.5%) $1,105,109 (44.2%) 0.00 279
2021-08-01 $622,500 (38.8%) $1,073,993 (37.3%) 0.00 270
2021-09-01 $622,500 (38.7%) $1,096,108 (39.8%) 0.00 258
2021-10-01 $649,000 (29.8%) $1,195,614 (49.0%) 0.00 246
2021-11-01 $625,000 (17.9%) $1,144,442 (36.1%) 0.00 239
2021-12-01 $644,450 (14.2%) $1,173,450 (30.9%) 0.00 212
2022-01-01 $645,000 (12.2%) $1,251,372 (39.5%) 0.00 176
2022-02-01 $679,900 (18.3%) $1,337,148 (43.1%) 0.00 168
2022-03-01 $689,500 (12.1%) $1,290,754 (28.6%) 0.00 165
2022-04-01 $685,000 (14.4%) $1,282,220 (24.0%) 0.00 175
2022-05-01 $639,500 (2.3%) $1,215,421 (15.8%) 0.00 211
2022-06-01 $662,500 (13.8%) $1,277,007 (22.1%) 0.00 253
Cullowhee's median listing price for 2022-06-01 was $662,500, a difference of $80,500 (13.8%) versus the prior year and $23,000 versus the prior month.

Cullowhee's median listing price comes in at 0% of the national average.

Cullowhee's average listing price for 2022-06-01 was $1,277,007, a difference of $231,397 (22.1%) versus the prior year and $61,586 versus the prior month.

For the 2022-06-01 period, Cullowhee had 253 MLS listings, a difference of 42 listings (20%) versus the prior month and -10 listings (-4%) versus the prior year.

Median Listing Time on Market & Square Footage

Realtor.com - Cullowhee (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Time on Market Median Square Footage
2018-01-01 0 days 2,444 sqft
2018-02-01 0 days 2,570 sqft
2018-03-01 0 days 2,570 sqft
2018-04-01 0 days 2,531 sqft
2018-05-01 0 days 2,250 sqft
2018-06-01 0 days 2,250 sqft
2018-07-01 0 days 2,250 sqft
2018-08-01 0 days 2,288 sqft
2018-09-01 0 days 2,260 sqft
2018-10-01 0 days 2,250 sqft
2018-11-01 0 days 2,275 sqft
2018-12-01 0 days 2,300 sqft
2019-01-01 0 days 2,255 sqft
2019-02-01 0 days 2,250 sqft
2019-03-01 0 days 2,339 sqft
2019-04-01 0 days 2,339 sqft
2019-05-01 0 days 2,250 sqft
2019-06-01 0 days 2,250 sqft
2019-07-01 0 days 2,250 sqft
2019-08-01 0 days 2,260 sqft
2019-09-01 0 days 2,250 sqft
2019-10-01 0 days 2,250 sqft
2019-11-01 0 days 2,250 sqft
2019-12-01 0 days 2,250 sqft
2020-01-01 0 days 2,250 sqft
2020-02-01 0 days 2,250 sqft
2020-03-01 0 days 2,250 sqft
2020-04-01 0 days 2,250 sqft
2020-05-01 0 days 2,250 sqft
2020-06-01 0 days 2,105 sqft
2020-07-01 0 days 1,975 sqft
2020-08-01 0 days 1,894 sqft
2020-09-01 0 days 1,873 sqft
2020-10-01 0 days 1,897 sqft
2020-11-01 0 days 1,949 sqft
2020-12-01 0 days 1,862 sqft
2021-01-01 0 days 1,896 sqft
2021-02-01 0 days 1,874 sqft
2021-03-01 0 days 1,897 sqft
2021-04-01 0 days 1,790 sqft
2021-05-01 0 days 1,826 sqft
2021-06-01 0 days 1,906 sqft
2021-07-01 0 days 2,056 sqft
2021-08-01 0 days 2,071 sqft
2021-09-01 0 days 1,871 sqft
2021-10-01 0 days 2,000 sqft
2021-11-01 0 days 1,906 sqft
2021-12-01 0 days 1,846 sqft
2022-01-01 0 days 1,750 sqft
2022-02-01 0 days 1,916 sqft
2022-03-01 0 days 1,904 sqft
2022-04-01 0 days 1,700 sqft
2022-05-01 0 days 1,845 sqft
2022-06-01 0 days 2,000 sqft
Cullowhee's median listing age (time on market) for 2022-06-01 was 0 days.

Cullowhee's median square footage for active listings during the 2022-06-01 period was 2,000 sqft. One year prior, the average listing was 1,906 sqft.