Mount Airy Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Mount Airy averaged
7.13%
for the week of 2025-05-22, compared to the national average of
6.86% for the same period.
The average rate for the prior week (2025-05-15) was
6.68% and
one month ago for the week of 2025-04-17, the
average rate was 7.1%.
Mount Airy's average rate one year ago was 7.19%.
For refis of the same type during the week of 2025-05-22, the average rate
was 7.26%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-05-22 | 6.86% |
| Mount Airy 30 Year Fixed Rate | 2025-05-22 | 7.13% |
| Mount Airy 30 Year Fixed Rate Refi | 2025-05-22 | 7.26% |
| Mount Airy 15 Year Fixed Rate | 2025-05-22 | 5.91% |
| Mount Airy 15 Year Fixed Rate Refi | 2025-05-22 | 6.51% |
| Mount Airy 30 Year FHA | 2025-05-22 | 6.88% |
| Mount Airy 30 Year FHA Refi | 2025-05-22 | 6.71% |
| Mount Airy 30 Year USDA | 2025-05-22 | 6.53% |
| Mount Airy 30 Year USDA Refi | 2025-05-22 | 6.43% |
| Mount Airy 30 Year VA | 2025-05-22 | 6.52% |
| Mount Airy 30 Year VA Refi | 2025-05-22 | 6.72% |
Mount Airy Top Lenders by Rates & Fees
The below table looks at the consensus average rates and fees provided by each lender, for only loans originated in the Mount Airy, 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.).
Mount Airy Average Closing Costs & Other Stats
Mount Airy, NC's 73 lenders originated 1,261
loans during 2024. The total origination value was $220,985,000, with an average loan value of
$175,246.
Mount Airy's average closing costs are $4,823.
The top Mount Airy lender as defined by loan originations is STATE EMPLOYEES', with
91 loans originated. Their average total fees are
$3,695, which is $2,721
lower than the next largest lender,
QUICKEN LOANS, LLC.
The lowest fee Mount Airy lenders (with over 10 loans originated) are
STATE EMPLOYEES' ($3,695), Wells Fargo Bank ($4,373), Truist ($4,680), ATLANTIC BAY MORTGAGE GROUP, L.L.C. ($5,751) and FAIRWAY INDEPENDENT MORTGAGE CORPORATION ($6,042).
The lowest rate Mount Airy lenders (with over 10 loans originated) are
STATE EMPLOYEES' (6.40%), FAIRWAY INDEPENDENT MORTGAGE CORPORATION (6.68%), QUICKEN LOANS, LLC (6.73%), Truist (6.88%) and ATLANTIC BAY MORTGAGE GROUP, L.L.C. (6.91%).
Mount Airy, NC Mortgage 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 | 2023 Loan Value | 2024 Loan Value | % Change | 2024 Market Share |
|---|---|---|---|---|
| STATE EMPLOYEES' | $36,400,000 | $33,985,000 | -6.6% | 15.4% |
| QUICKEN LOANS, LLC | $8,190,000 | $19,360,000 | 136.4% | 8.8% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | $14,310,000 | $15,165,000 | 6.0% | 6.9% |
| EMM LOANS LLC | $9,175,000 | $12,585,000 | 37.2% | 5.7% |
| First National Bank of Pennsylvania | $6,590,000 | $8,270,000 | 25.5% | 3.7% |
| ALLEGACY FEDERAL CREDIT UNION | $5,575,000 | $7,060,000 | 26.6% | 3.2% |
| Mortgage Research Center, LLC | $5,710,000 | $6,980,000 | 22.2% | 3.2% |
| Renasant Bank | $3,310,000 | $5,755,000 | 73.9% | 2.6% |
| Truist | $7,775,000 | $5,475,000 | -29.6% | 2.5% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $6,130,000 | $5,260,000 | -14.2% | 2.4% |
| AgFirst Farm Credit Bank | $4,830,000 | $5,255,000 | 8.8% | 2.4% |
| CROSSCOUNTRY MORTGAGE, LLC | $1,465,000 | $3,650,000 | 149.1% | 1.7% |
| First-Citizens Bank & Trust Company | $3,405,000 | $3,535,000 | 3.8% | 1.6% |
| UNITED WHOLESALE MORTGAGE, LLC | $2,365,000 | $3,075,000 | 30.0% | 1.4% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $3,035,000 | $3,075,000 | 1.3% | 1.4% |
| Truliant Federal Credit Union | $1,380,000 | $2,845,000 | 106.2% | 1.3% |
| MOVEMENT MORTGAGE, LLC | $2,945,000 | $2,710,000 | -8.0% | 1.2% |
| NAVY FEDERAL CREDIT UNION | $870,000 | $2,595,000 | 198.3% | 1.2% |
| Wells Fargo Bank | $2,215,000 | $2,415,000 | 9.0% | 1.1% |
| AMERICAN FINANCIAL RESOURCES, INC. | $755,000 | $2,375,000 | 214.6% | 1.1% |
| Skyline National Bank | $705,000 | $2,210,000 | 213.5% | 1.0% |
| PENNYMAC LOAN SERVICES, LLC | $915,000 | $2,115,000 | 131.1% | 1.0% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | $1,430,000 | $2,055,000 | 43.7% | 0.9% |
| Piedmont Federal Savings Bank | $955,000 | $1,860,000 | 94.8% | 0.8% |
| FIRST BANCORP | $1,060,000 | $1,740,000 | 64.2% | 0.8% |
| PNC Bank | $1,370,000 | $1,705,000 | 24.5% | 0.8% |
| FREEDOM MORTGAGE CORPORATION | $610,000 | $1,585,000 | 159.8% | 0.7% |
| UNION HOME MORTGAGE CORP. | $1,040,000 | $1,560,000 | 50.0% | 0.7% |
| GUARANTEED RATE, INC. | $1,190,000 | $1,520,000 | 27.7% | 0.7% |
| USAA Federal Savings Bank | $145,000 | $1,510,000 | 941.4% | 0.7% |
| Bank of America | $260,000 | $1,505,000 | 478.8% | 0.7% |
| LOCAL GOVERNMENT FEDERAL CREDIT UNION | $5,955,000 | $1,485,000 | -75.1% | 0.7% |
| INTERCOASTAL MORTGAGE COMPANY | $3,285,000 | $1,455,000 | -55.7% | 0.7% |
| LOANDEPOT.COM, LLC | $590,000 | $1,425,000 | 141.5% | 0.6% |
| ENVOY MORTGAGE, LTD | $1,365,000 | n/a | 0.6% | |
| CMG MORTGAGE, INC. | $700,000 | $1,340,000 | 91.4% | 0.6% |
| Prosperity Home Mortgage, LLC | $995,000 | $1,335,000 | 34.2% | 0.6% |
| First Community Bank | $1,900,000 | $1,315,000 | -30.8% | 0.6% |
| STANDARD MORTGAGE CORPORATION | $1,220,000 | n/a | 0.6% | |
| Mr. Cooper ( Nationstar Mortgage ) | $895,000 | $1,170,000 | 30.7% | 0.5% |
| GUILD MORTGAGE COMPANY | $1,150,000 | n/a | 0.5% | |
| MUTUAL OF OMAHA MORTGAGE, INC. | $1,420,000 | $1,015,000 | -28.5% | 0.5% |
| Carrington Mortgage Services, LLC | $335,000 | $975,000 | 191.0% | 0.4% |
| First Reliance Bank | $2,540,000 | $955,000 | -62.4% | 0.4% |
| Alcova Mortgage LLC | $125,000 | $845,000 | 576.0% | 0.4% |
| Blue Ridge Bank | $730,000 | $830,000 | 13.7% | 0.4% |
| Sound Bank | $805,000 | n/a | 0.4% | |
| SUMMIT FUNDING, INC. | $805,000 | n/a | 0.4% | |
| TOWNE MORTGAGE COMPANY | $2,145,000 | $800,000 | -62.7% | 0.4% |
| Atlantic Coast Mortgage, LLC | $540,000 | $785,000 | 45.4% | 0.4% |
| MID AMERICA MORTGAGE, INC. | $780,000 | n/a | 0.4% | |
| PROVIDENT FUNDING ASSOCIATES, L.P. | $965,000 | $745,000 | -22.8% | 0.3% |
| The Huntington National Bank | $745,000 | n/a | 0.3% | |
| CARDINAL FINANCIAL | $2,875,000 | $730,000 | -74.6% | 0.3% |
| Bank OZK | $670,000 | n/a | 0.3% | |
| First Horizon Bank | $4,005,000 | $590,000 | -85.3% | 0.3% |
| LEGEND LENDING CORPORATION | $575,000 | n/a | 0.3% | |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $120,000 | $575,000 | 379.2% | 0.3% |
| GUARANTEED RATE AFFINITY, LLC | $535,000 | n/a | 0.2% | |
| Mid-Continent Funding, Inc. | $255,000 | $520,000 | 103.9% | 0.2% |
| LENDINGHOME FUNDING CORPORATION | $360,000 | $515,000 | 43.1% | 0.2% |
| AmRes Corporation | $500,000 | n/a | 0.2% | |
| Discover Bank | $190,000 | $475,000 | 150.0% | 0.2% |
| EMBRACE HOME LOANS, INC. | $465,000 | n/a | 0.2% | |
| CALCON MUTUAL MORTGAGE LLC | $320,000 | $460,000 | 43.8% | 0.2% |
| VILLAGE CAPITAL MORTGAGE | $175,000 | $460,000 | 162.9% | 0.2% |
| Carter Bank & Trust | $245,000 | $445,000 | 81.6% | 0.2% |
| T2 FINANCIAL LLC | $440,000 | n/a | 0.2% | |
| United Community Bank | $440,000 | n/a | 0.2% | |
| M&T Bank | $435,000 | n/a | 0.2% | |
| The Union Bank Company | $435,000 | n/a | 0.2% | |
| ZILLOW HOME LOANS, LLC | $435,000 | n/a | 0.2% | |
| Anderson Brothers Bank | $420,000 | n/a | 0.2% | |
| AMERICAN FINANCING CORPORATION | $490,000 | $400,000 | -18.4% | 0.2% |
| AMERISAVE MORTGAGE CORPORATION | $1,490,000 | $400,000 | -73.2% | 0.2% |
| First Federal Bank | $275,000 | $385,000 | 40.0% | 0.2% |
| Flagstar Bank, FSB | $205,000 | $385,000 | 87.8% | 0.2% |
| HOMESIDE FINANCIAL, LLC | $1,025,000 | $385,000 | -62.4% | 0.2% |
| CANOPY MORTGAGE, LLC | $375,000 | n/a | 0.2% | |
| NEWREZ LLC | $630,000 | $375,000 | -40.5% | 0.2% |
| The Federal Savings Bank | $310,000 | $375,000 | 21.0% | 0.2% |
| NEW DAY FINANCIAL, LLC | $390,000 | $370,000 | -5.1% | 0.2% |
| AgSouth Farm Credit, ACA | $455,000 | $355,000 | -22.0% | 0.2% |
| The Fidelity Bank | $115,000 | $350,000 | 204.3% | 0.2% |
| Performance Financial, Inc. | $330,000 | n/a | 0.1% | |
| SECURITYNATIONAL MORTGAGE COMPANY | $325,000 | n/a | 0.1% | |
| CHARLOTTE METRO FEDERAL CREDIT UNION | $305,000 | n/a | 0.1% | |
| LAKEVIEW LOAN SERVICING, LLC | $115,000 | $305,000 | 165.2% | 0.1% |
| DIRECT MORTGAGE LOANS, LLC | $295,000 | n/a | 0.1% | |
| HOWARD HANNA FINANCIAL SERVICES, INC. | $290,000 | n/a | 0.1% | |
| MILEND, INC. | $290,000 | n/a | 0.1% | |
| Keystone Funding, Inc. | $265,000 | n/a | 0.1% | |
| Gateway First Bank | $185,000 | $255,000 | 37.8% | 0.1% |
| ON Q FINANCIAL, INC. | $255,000 | n/a | 0.1% | |
| American Airlines Federal Credit Union | $245,000 | n/a | 0.1% | |
| Commerce Home Mortgage, Inc. | $245,000 | n/a | 0.1% | |
| Cornerstone First Mortgage, Inc | $245,000 | n/a | 0.1% | |
| PLAZA HOME MORTGAGE, INC. | $285,000 | $245,000 | -14.0% | 0.1% |
| UNITED MORTGAGE CORP | $245,000 | n/a | 0.1% | |
| Coastal Community Bank | $240,000 | n/a | 0.1% | |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | $235,000 | n/a | 0.1% | |
| Nations Lending Corporation | $165,000 | $235,000 | 42.4% | 0.1% |
| Figure Lending LLC | $125,000 | $225,000 | 80.0% | 0.1% |
| POLARIS HOME FUNDING CORP. | $205,000 | $225,000 | 9.8% | 0.1% |
| UNITED | $225,000 | n/a | 0.1% | |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $215,000 | n/a | 0.1% | |
| CHURCHILL MORTGAGE CORPORATION | $440,000 | $205,000 | -53.4% | 0.1% |
| JPMorgan Chase Bank | $275,000 | $205,000 | -25.5% | 0.1% |
| The Bank of Marion | $420,000 | $205,000 | -51.2% | 0.1% |
| Ameris Bank | $740,000 | $195,000 | -73.6% | 0.1% |
| Mortgage Assurance Inc. | $195,000 | n/a | 0.1% | |
| PLANET HOME LENDING, LLC | $195,000 | n/a | 0.1% | |
| Summit Mortgage Corporation | $195,000 | n/a | 0.1% | |
| PENTAGON FEDERAL CREDIT UNION | $190,000 | n/a | 0.1% | |
| Equity Prime Mortgage LLC | $185,000 | n/a | 0.1% | |
| DAS Acquisition Company, LLC | $175,000 | n/a | 0.1% | |
| LOANPAL, LLC | $135,000 | $175,000 | 29.6% | 0.1% |
| PHH Mortgage Corporation | $65,000 | $175,000 | 169.2% | 0.1% |
| SeaTrust Mortgage Company | $175,000 | n/a | 0.1% | |
| CORNERSTONE HOME LENDING, INC. | $165,000 | n/a | 0.1% | |
| BROKER SOLUTIONS, INC. | $500,000 | $160,000 | -68.0% | 0.1% |
| MICHIGAN MUTUAL, INC. | $155,000 | n/a | 0.1% | |
| TOP FLITE FINANCIAL, INC. | $575,000 | $155,000 | -73.0% | 0.1% |
| GMFS LLC | $145,000 | n/a | 0.1% | |
| SUN WEST MORTGAGE COMPANY, INC. | $145,000 | n/a | 0.1% | |
| UNIFY FINANCIAL Credit Union | $145,000 | n/a | 0.1% | |
| AMWEST FUNDING CORP. | $135,000 | n/a | 0.1% | |
| Lakeview Community Capital, LLC | $60,000 | $135,000 | 125.0% | 0.1% |
| RELIANCE FIRST CAPITAL, LLC | $360,000 | $125,000 | -65.3% | 0.1% |
| COASTAL Federal Credit Union | $25,000 | $120,000 | 380.0% | 0.1% |
| TD Bank | $255,000 | $105,000 | -58.8% | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | $105,000 | n/a | 0.0% | |
| 21ST MORTGAGE CORPORATION | $185,000 | $85,000 | -54.1% | 0.0% |
| blueharbor bank | $85,000 | n/a | 0.0% | |
| AMERICAN HERITAGE LENDING, INC. | $280,000 | $75,000 | -73.2% | 0.0% |
| Fifth Third Bank | $375,000 | $75,000 | -80.0% | 0.0% |
| RESIDENTIAL BANCORP | $75,000 | n/a | 0.0% | |
| ROYAL UNITED MORTGAGE LLC | $110,000 | $75,000 | -31.8% | 0.0% |
| Atlantic Union Bank | $65,000 | n/a | 0.0% | |
| Citizens Bank | $350,000 | $55,000 | -84.3% | 0.0% |
| Telco Community Credit Union | $45,000 | n/a | 0.0% | |
| ALLIANT CREDIT UNION | $25,000 | n/a | 0.0% | |
| Home Loan Investment Bank, F.S.B. | $25,000 | n/a | 0.0% | |
| Regions Bank | $190,000 | $25,000 | -86.8% | 0.0% |
| Summit Credit Union | $170,000 | $25,000 | -85.3% | 0.0% |
| U.S. Bank | $145,000 | $25,000 | -82.8% | 0.0% |
Mount Airy's top lender by overall market share is STATE EMPLOYEES', with 15.4% market share. In second place, with 8.8%, is QUICKEN LOANS, LLC, having originated $19,360,000 in loans. In third place, with 6.9%, is ATLANTIC BAY MORTGAGE GROUP, L.L.C., having originated $15,165,000 in loans. In fourth place, with 5.7%, is EMM LOANS LLC, having originated $12,585,000 in loans. In fifth place, with 3.7%, is First National Bank of Pennsylvania, having originated $8,270,000 in loans.
Mount Airy Housing Market Trends (Median, Average Prices & Listing Count)
Realtor.com - Mount Airy (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 | $159,900 (0.3%) | $259,172 (10.2%) | 0.00 | 244 |
| 2018-02-01 | $159,900 (4.2%) | $269,508 (19.9%) | 0.00 | 243 |
| 2018-03-01 | $185,000 (22.1%) | $280,822 (23.9%) | 0.00 | 243 |
| 2018-04-01 | $191,430 (19.7%) | $288,820 (21.6%) | 0.00 | 240 |
| 2018-05-01 | $217,725 (28.2%) | $296,698 (20.2%) | 0.00 | 240 |
| 2018-06-01 | $199,000 (15.4%) | $285,064 (12.6%) | 0.00 | 239 |
| 2018-07-01 | $183,500 (2.0%) | $258,739 (0.8%) | 0.00 | 249 |
| 2018-08-01 | $165,925 (-9.9%) | $239,215 (-7.8%) | 0.00 | 193 |
| 2018-09-01 | $189,450 (5.3%) | $253,577 (-8.9%) | 0.00 | 175 |
| 2018-10-01 | $179,475 (4.4%) | $245,943 (-9.8%) | 0.00 | 177 |
| 2018-11-01 | $189,000 (11.2%) | $256,218 (-2.7%) | 0.00 | 159 |
| 2018-12-01 | $189,450 (5.3%) | $266,243 (-1.1%) | 0.00 | 143 |
| 2019-01-01 | $195,925 (22.5%) | $267,679 (3.3%) | 0.00 | 143 |
| 2019-02-01 | $191,900 (20.0%) | $269,452 (0.0%) | 0.00 | 141 |
| 2019-03-01 | $206,371 (11.6%) | $271,788 (-3.2%) | 0.00 | 143 |
| 2019-04-01 | $213,921 (11.8%) | $278,225 (-3.7%) | 0.00 | 147 |
| 2019-05-01 | $215,000 (-1.3%) | $277,604 (-6.4%) | 0.00 | 149 |
| 2019-06-01 | $204,900 (3.0%) | $289,405 (1.5%) | 0.00 | 143 |
| 2019-07-01 | $199,325 (8.6%) | $273,728 (5.8%) | 0.00 | 157 |
| 2019-08-01 | $198,359 (19.6%) | $273,591 (14.4%) | 0.00 | 154 |
| 2019-09-01 | $197,848 (4.4%) | $276,538 (9.1%) | 0.00 | 151 |
| 2019-10-01 | $201,232 (12.1%) | $284,288 (15.6%) | 0.00 | 147 |
| 2019-11-01 | $199,999 (5.8%) | $301,954 (17.9%) | 0.00 | 147 |
| 2019-12-01 | $219,450 (15.8%) | $302,161 (13.5%) | 0.00 | 136 |
| 2020-01-01 | $192,400 (-1.8%) | $301,927 (12.8%) | 0.00 | 130 |
| 2020-02-01 | $189,900 (-1.0%) | $285,010 (5.8%) | 0.00 | 133 |
| 2020-03-01 | $199,950 (-3.1%) | $286,727 (5.5%) | 0.00 | 123 |
| 2020-04-01 | $217,450 (1.7%) | $299,492 (7.6%) | 0.00 | 121 |
| 2020-05-01 | $229,900 (6.9%) | $305,226 (10.0%) | 0.00 | 112 |
| 2020-06-01 | $247,450 (20.8%) | $344,253 (19.0%) | 0.00 | 108 |
| 2020-07-01 | $242,925 (21.9%) | $327,286 (19.6%) | 0.00 | 114 |
| 2020-08-01 | $239,000 (20.5%) | $337,159 (23.2%) | 0.00 | 107 |
| 2020-09-01 | $238,675 (20.6%) | $334,358 (20.9%) | 0.00 | 101 |
| 2020-10-01 | $251,855 (25.2%) | $348,292 (22.5%) | 0.00 | 94 |
| 2020-11-01 | $241,300 (20.7%) | $340,198 (12.7%) | 0.00 | 92 |
| 2020-12-01 | $199,900 (-8.9%) | $320,487 (6.1%) | 0.00 | 78 |
| 2021-01-01 | $227,450 (18.2%) | $346,839 (14.9%) | 0.00 | 63 |
| 2021-02-01 | $263,475 (38.7%) | $360,935 (26.6%) | 0.00 | 58 |
| 2021-03-01 | $266,350 (33.2%) | $380,219 (32.6%) | 0.00 | 52 |
| 2021-04-01 | $257,400 (18.4%) | $388,227 (29.6%) | 0.00 | 53 |
| 2021-05-01 | $249,000 (8.3%) | $360,177 (18.0%) | 0.00 | 65 |
| 2021-06-01 | $257,400 (4.0%) | $379,835 (10.3%) | 0.00 | 71 |
| 2021-07-01 | $244,900 (0.8%) | $380,932 (16.4%) | 0.00 | 79 |
| 2021-08-01 | $251,750 (5.3%) | $355,332 (5.4%) | 0.00 | 90 |
| 2021-09-01 | $258,800 (8.4%) | $356,882 (6.7%) | 0.00 | 88 |
| 2021-10-01 | $259,900 (3.2%) | $362,545 (4.1%) | 0.00 | 83 |
| 2021-11-01 | $217,423 (-9.9%) | $327,529 (-3.7%) | 0.00 | 79 |
| 2021-12-01 | $212,000 (6.1%) | $318,446 (-0.6%) | 0.00 | 69 |
| 2022-01-01 | $236,000 (3.8%) | $324,053 (-6.6%) | 0.00 | 56 |
| 2022-02-01 | $238,675 (-9.4%) | $331,303 (-8.2%) | 0.00 | 53 |
| 2022-03-01 | $229,450 (-13.9%) | $349,483 (-8.1%) | 0.00 | 43 |
| 2022-04-01 | $219,500 (-14.7%) | $300,468 (-22.6%) | 0.00 | 40 |
| 2022-05-01 | $221,950 (-10.9%) | $300,499 (-16.6%) | 0.00 | 42 |
| 2022-06-01 | $259,450 (0.8%) | $334,455 (-12.0%) | 0.00 | 66 |
| 2022-07-01 | $293,000 (19.6%) | $348,949 (-8.4%) | 0.00 | 76 |
| 2022-08-01 | $295,000 (17.2%) | $389,123 (9.5%) | 0.00 | 88 |
| 2022-09-01 | $272,450 (5.3%) | $356,759 (0.0%) | 0.00 | 100 |
| 2022-10-01 | $269,000 (3.5%) | $368,523 (1.7%) | 0.00 | 102 |
| 2022-11-01 | $285,975 (31.5%) | $368,067 (12.4%) | 0.00 | 101 |
| 2022-12-01 | $275,500 (30.0%) | $348,445 (9.4%) | 0.00 | 93 |
| 2023-01-01 | $277,750 (17.7%) | $349,752 (7.9%) | 0.00 | 84 |
| 2023-02-01 | $274,900 (15.2%) | $340,632 (2.8%) | 0.00 | 76 |
| 2023-03-01 | $283,200 (23.4%) | $349,657 (0.1%) | 0.00 | 67 |
| 2023-04-01 | $289,900 (32.1%) | $357,186 (18.9%) | 0.00 | 59 |
| 2023-05-01 | $282,400 (27.2%) | $358,597 (19.3%) | 0.00 | 56 |
| 2023-06-01 | $287,400 (10.8%) | $363,768 (8.8%) | 0.00 | 57 |
| 2023-07-01 | $257,000 (-12.3%) | $338,811 (-2.9%) | 0.00 | 72 |
| 2023-08-01 | $296,725 (0.6%) | $362,308 (-6.9%) | 0.00 | 75 |
| 2023-09-01 | $310,000 (13.8%) | $381,502 (6.9%) | 0.00 | 69 |
| 2023-10-01 | $299,500 (11.3%) | $387,562 (5.2%) | 0.00 | 83 |
| 2023-11-01 | $299,450 (4.7%) | $382,577 (3.9%) | 0.00 | 101 |
| 2023-12-01 | $292,450 (6.2%) | $377,663 (8.4%) | 0.00 | 97 |
| 2024-01-01 | $318,675 (14.7%) | $402,941 (15.2%) | 0.00 | 87 |
| 2024-02-01 | $299,900 (9.1%) | $391,927 (15.1%) | 0.00 | 93 |
| 2024-03-01 | $299,950 (5.9%) | $387,697 (10.9%) | 0.00 | 92 |
| 2024-04-01 | $322,400 (11.2%) | $420,089 (17.6%) | 0.00 | 90 |
| 2024-05-01 | $324,925 (15.1%) | $429,153 (19.7%) | 0.00 | 96 |
| 2024-06-01 | $302,500 (5.3%) | $411,892 (13.2%) | 0.00 | 104 |
| 2024-07-01 | $301,250 (17.2%) | $408,393 (20.5%) | 0.00 | 104 |
| 2024-08-01 | $299,900 (1.1%) | $404,907 (11.8%) | 0.00 | 115 |
| 2024-09-01 | $292,000 (-5.8%) | $370,664 (-2.8%) | 0.00 | 128 |
| 2024-10-01 | $278,000 (-7.2%) | $357,191 (-7.8%) | 0.00 | 127 |
| 2024-11-01 | $277,000 (-7.5%) | $383,091 (0.1%) | 0.00 | 115 |
| 2024-12-01 | $279,000 (-4.6%) | $398,215 (5.4%) | 0.00 | 110 |
| 2025-01-01 | $294,925 (-7.5%) | $408,133 (1.3%) | 0.00 | 104 |
| 2025-02-01 | $296,950 (-1.0%) | $405,742 (3.5%) | 0.00 | 114 |
| 2025-03-01 | $279,000 (-7.0%) | $380,659 (-1.8%) | 0.00 | 114 |
| 2025-04-01 | $289,450 (-10.2%) | $393,921 (-6.2%) | 0.00 | 126 |
Mount Airy's median listing price comes in at 0% of the national average.
Mount Airy's average listing price for 2025-04-01 was $393,921, a difference of $-26,168 (-6.2%) versus the prior year and $13,262 versus the prior month.
For the 2025-04-01 period, Mount Airy had 126 MLS listings, a difference of 12 listings (11%) versus the prior month and 36 listings (40%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - Mount Airy (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Time on Market | Median Square Footage |
|---|---|---|
| 2018-01-01 | 0 days | 1,800 sqft |
| 2018-02-01 | 0 days | 1,813 sqft |
| 2018-03-01 | 0 days | 1,900 sqft |
| 2018-04-01 | 0 days | 2,007 sqft |
| 2018-05-01 | 0 days | 2,068 sqft |
| 2018-06-01 | 0 days | 2,048 sqft |
| 2018-07-01 | 0 days | 1,991 sqft |
| 2018-08-01 | 0 days | 1,932 sqft |
| 2018-09-01 | 0 days | 1,970 sqft |
| 2018-10-01 | 0 days | 1,974 sqft |
| 2018-11-01 | 0 days | 1,983 sqft |
| 2018-12-01 | 0 days | 1,987 sqft |
| 2019-01-01 | 0 days | 1,987 sqft |
| 2019-02-01 | 0 days | 2,047 sqft |
| 2019-03-01 | 0 days | 2,070 sqft |
| 2019-04-01 | 0 days | 2,057 sqft |
| 2019-05-01 | 0 days | 1,979 sqft |
| 2019-06-01 | 0 days | 2,157 sqft |
| 2019-07-01 | 0 days | 2,106 sqft |
| 2019-08-01 | 0 days | 2,053 sqft |
| 2019-09-01 | 0 days | 1,976 sqft |
| 2019-10-01 | 0 days | 1,934 sqft |
| 2019-11-01 | 0 days | 1,907 sqft |
| 2019-12-01 | 0 days | 1,900 sqft |
| 2020-01-01 | 0 days | 1,872 sqft |
| 2020-02-01 | 0 days | 1,812 sqft |
| 2020-03-01 | 0 days | 1,901 sqft |
| 2020-04-01 | 0 days | 1,955 sqft |
| 2020-05-01 | 0 days | 2,100 sqft |
| 2020-06-01 | 0 days | 2,125 sqft |
| 2020-07-01 | 0 days | 2,116 sqft |
| 2020-08-01 | 0 days | 2,086 sqft |
| 2020-09-01 | 0 days | 2,100 sqft |
| 2020-10-01 | 0 days | 2,209 sqft |
| 2020-11-01 | 0 days | 2,134 sqft |
| 2020-12-01 | 0 days | 2,075 sqft |
| 2021-01-01 | 0 days | 2,107 sqft |
| 2021-02-01 | 0 days | 2,008 sqft |
| 2021-03-01 | 0 days | 2,137 sqft |
| 2021-04-01 | 0 days | 1,979 sqft |
| 2021-05-01 | 0 days | 1,920 sqft |
| 2021-06-01 | 0 days | 1,951 sqft |
| 2021-07-01 | 0 days | 1,917 sqft |
| 2021-08-01 | 0 days | 1,898 sqft |
| 2021-09-01 | 0 days | 1,920 sqft |
| 2021-10-01 | 0 days | 1,900 sqft |
| 2021-11-01 | 0 days | 1,703 sqft |
| 2021-12-01 | 0 days | 1,624 sqft |
| 2022-01-01 | 0 days | 1,810 sqft |
| 2022-02-01 | 0 days | 1,621 sqft |
| 2022-03-01 | 0 days | 1,639 sqft |
| 2022-04-01 | 0 days | 1,500 sqft |
| 2022-05-01 | 0 days | 1,504 sqft |
| 2022-06-01 | 0 days | 1,631 sqft |
| 2022-07-01 | 0 days | 1,800 sqft |
| 2022-08-01 | 0 days | 1,905 sqft |
| 2022-09-01 | 0 days | 1,832 sqft |
| 2022-10-01 | 0 days | 1,813 sqft |
| 2022-11-01 | 0 days | 1,900 sqft |
| 2022-12-01 | 0 days | 1,920 sqft |
| 2023-01-01 | 0 days | 1,908 sqft |
| 2023-02-01 | 0 days | 1,910 sqft |
| 2023-03-01 | 0 days | 1,915 sqft |
| 2023-04-01 | 0 days | 1,864 sqft |
| 2023-05-01 | 0 days | 1,800 sqft |
| 2023-06-01 | 0 days | 1,746 sqft |
| 2023-07-01 | 0 days | 1,700 sqft |
| 2023-08-01 | 0 days | 1,673 sqft |
| 2023-09-01 | 0 days | 1,655 sqft |
| 2023-10-01 | 0 days | 1,559 sqft |
| 2023-11-01 | 0 days | 1,437 sqft |
| 2023-12-01 | 0 days | 1,425 sqft |
| 2024-01-01 | 0 days | 1,624 sqft |
| 2024-02-01 | 0 days | 1,673 sqft |
| 2024-03-01 | 0 days | 1,710 sqft |
| 2024-04-01 | 0 days | 1,842 sqft |
| 2024-05-01 | 0 days | 1,918 sqft |
| 2024-06-01 | 0 days | 1,691 sqft |
| 2024-07-01 | 0 days | 1,862 sqft |
| 2024-08-01 | 0 days | 1,749 sqft |
| 2024-09-01 | 0 days | 1,665 sqft |
| 2024-10-01 | 0 days | 1,792 sqft |
| 2024-11-01 | 0 days | 1,843 sqft |
| 2024-12-01 | 0 days | 1,859 sqft |
| 2025-01-01 | 0 days | 2,111 sqft |
| 2025-02-01 | 0 days | 2,222 sqft |
| 2025-03-01 | 0 days | 2,000 sqft |
| 2025-04-01 | 0 days | 1,597 sqft |
Mount Airy's median square footage for active listings during the 2025-04-01 period was 1,597 sqft. One year prior, the average listing was 1,842 sqft.
Mount Airy, NC Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 641 | $141,465,000 | $220,694 |
| Refi | 181 | $30,985,000 | $171,188 |
| Other | 151 | $12,255,000 | $81,159 |
| Cash Out Refi | 147 | $26,255,000 | $178,605 |
| Home Improvement | 141 | $10,025,000 | $71,099 |
Mount Airy's most frequently cited loan purpose was Home Purchase, with 641 originations. The 2nd most popular reason was Refi, with 181 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 477 | $106,335,000 | $222,925 |
| 7-8% | 321 | $51,925,000 | $161,760 |
| 5-6% | 229 | $40,145,000 | $175,306 |
| Over 8% | 177 | $17,585,000 | $99,350 |
| <2.5% | 28 | $400,000 | $14,286 |
| 4-5% | 6 | $1,020,000 | $170,000 |
| 3-4% | 1 | $175,000 | $175,000 |
During 2024, Mount Airy's most frequently originated rate bucket was 6-7%, with 477 originations.
Loan Sizing (Mount Airy, NC MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $100k-200k | 423 | $62,765,000 | $148,381 |
| $100,000 or less | 398 | $21,110,000 | $53,040 |
| $200k-400k | 368 | $98,750,000 | $268,342 |
| $400k-600k | 58 | $27,830,000 | $479,828 |
| $600k-1000k | 13 | $9,285,000 | $714,231 |
| $Over $1MM | 1 | $1,245,000 | $1,245,000 |
Mount Airy's loan sizing saw the bucket of loans from $100k-200k with 423 originations, totaling $62,765,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 440 | $106,680,000 | $242,455 |
| 60-80% | 248 | $56,720,000 | $228,710 |
| 20-40% | 216 | $18,910,000 | $87,546 |
| Under 20% | 181 | $6,765,000 | $37,376 |
| 40-60% | 134 | $21,660,000 | $161,642 |
| Over 100% | 20 | $4,580,000 | $229,000 |
Mount Airy's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 440 originations, totaling $106,680,000 in origination value.