North Wilkesboro Mortgage Rates & Closing Costs

  • JUMP TO:
  • Trends
  • Rates vs. Fees
  • Top Lenders
  • Market Share
  • Market Conditions & Pricing
  • Time on Market/Property Size
  • Loan Attributes
    • 30yr Fixed Rate 15yr Fixed Rate FHA USDA VA 5/1 ARM

    30 Year Fixed Rate mortgages in North Wilkesboro averaged 6.5% for the week of 2023-11-22, compared to the national average of 7.29% for the same period.

    The average rate for the prior week (2023-11-16) was 6.65% and one month ago for the week of 2023-10-19, the average rate was 6.84%.

    North Wilkesboro's average rate one year ago was 6.02%.

    For refis of the same type during the week of 2023-11-22, the average rate was 5.95%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2023-11-22 7.29%
    North Wilkesboro 30 Year Fixed Rate 2023-11-22 6.5%
    North Wilkesboro 30 Year Fixed Rate Refi 2023-11-22 5.95%
    North Wilkesboro 15 Year Fixed Rate 2023-11-22 6.47%
    North Wilkesboro 15 Year Fixed Rate Refi 2023-11-22 6.57%
    North Wilkesboro 30 Year FHA 2023-11-22 -0.24%
    North Wilkesboro 30 Year FHA Refi 2023-11-22 0%
    North Wilkesboro 30 Year USDA 2023-11-22 0.1%
    North Wilkesboro 30 Year USDA Refi 2023-11-22 0.1%
    North Wilkesboro 30 Year VA 2023-11-22 0.1%
    North Wilkesboro 30 Year VA Refi 2023-11-22 0.2%
    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within North Wilkesboro, NC.

    North Wilkesboro 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 North Wilkesboro, 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 2022 Avg. 30yFix Rate 2022 Avg. Closing Costs
    STATE EMPLOYEES' 154 4.08% $3,562
    LOCAL GOVERNMENT FEDERAL CREDIT UNION 33 4.05% $3,137
    QUICKEN LOANS, LLC 23 4.99% $6,076
    Alcova Mortgage LLC 18 5.15% $4,311
    MOVEMENT MORTGAGE, LLC 16 4.81% $4,262
    Truist 16 5.02% $4,002
    Wells Fargo Bank 15 4.97% $3,808
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 14 5.13% $4,008
    UNITED WHOLESALE MORTGAGE, LLC 11 6.08% $6,305
    ATLANTIC BAY MORTGAGE GROUP, L.L.C. 9 5.16% $7,563
    JPMorgan Chase Bank 8 5.10% $4,285
    First National Bank of Pennsylvania 7 4.70% $3,723
    Piedmont Federal Savings Bank 7 4.27% $2,688
    Mr. Cooper ( Nationstar Mortgage ) 7 4.57% $6,799
    AgFirst Farm Credit Bank 6 4.31% $5,409
    INTERCOASTAL MORTGAGE COMPANY 5 4.20% $6,668
    VANDERBILT MORTGAGE AND FINANCE, INC. 5 6.75% $5,712
    CROSSCOUNTRY MORTGAGE, LLC 5 5.03% $5,832
    LOANDEPOT.COM, LLC 4 4.34% $7,517
    First-Citizens Bank & Trust Company 4 3.67% $4,773
    First Reliance Bank 3 4.38% $4,913
    AMERIFIRST FINANCIAL CORPORATION 3 5.71% $4,869
    CALIBER HOME LOANS, INC. 2 3.20% $5,765
    Northpointe Bank 2 5.56% $4,216
    Bank of America 2 4.50% $5,012
    HOME POINT FINANCIAL CORPORATION 2 4.06% $2,390
    Regions Bank 2 3.69% $2,685
    Wyndham Capital Mortgage, Inc. 2 4.31% $2,132
    First Community Bank 2 4.11% $2,238
    SeaTrust Mortgage Company 2 5.69% $6,052
    EMM LOANS LLC 2 6.50% $8,115
    LATINO COMMUNITY CREDIT UNION 2 6.00% $3,322
    NEWREZ LLC 2 6.00% $3,935
    LOANPAL, LLC 2 4.56% $9,143
    Hometown Lenders, Inc. 1 5.62% $7,756
    Bank of England 1 3.75% $3,946
    KELLER MORTGAGE, LLC 1 6.63% $3,716
    MCLEAN MORTGAGE CORPORATION 1 5.88% $2,816
    MILEND, INC. 1 3.75% $6,163
    MORTGAGE INVESTORS GROUP, INC. 1 6.25% $5,333
    Mortgage Research Center, LLC 1 5.38% $4,255
    ANGEL OAK HOME LOANS LLC 1 4.88% $6,468
    AMERISAVE MORTGAGE CORPORATION 1 4.50% $8,938
    MUTUAL OF OMAHA MORTGAGE, INC. 1 4.25% $3,207
    NAVY FEDERAL CREDIT UNION 1 5.25% $5,176
    NBKC BANK 1 2.88% $4,313
    NFM, INC. 1 5.88% $9,646
    NTFN, INC. 1 4.00% $4,509
    PNC Bank 1 3.88% $3,607
    PRIMELENDING, A PLAINSCAPITAL COMPANY 1 5.99% $5,351
    American Security Mortgage Corp. 1 4.88% $9,460
    RELIANCE FIRST CAPITAL, LLC 1 7.38% $4,282
    Renasant Bank 1 4.25% $2,763
    ROYAL UNITED MORTGAGE LLC 1 4.38% $7,171
    South State Bank 1 4.63% $3,303
    AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 1 4.88% $2,308
    Stifel Bank and Trust 1 3.38% $2,158
    SUN WEST MORTGAGE COMPANY, INC. 1 4.75% $4,787
    Towne Bank 1 3.88% $3,763
    AMERICAN FINANCING CORPORATION 1 4.63% $5,082
    Ukrainian Federal Credit Union 1 4.13% $6,971
    United Community Bank 1 3.00% $3,131
    Ally Bank 1 3.25% $7,784
    USAA Federal Savings Bank 1 5.50% $6,056
    Allen Tate Mortgage Partners, LLC 1 5.50% $9,086
    TOWNE MORTGAGE COMPANY 1 4.99% $7,739
    CAPITAL CENTER, L.L.C. 1 4.13% $1,706
    CARDINAL FINANCIAL 1 5.75% $8,737
    COASTAL Federal Credit Union 1 4.13% $2,817
    COMPASS MORTGAGE, INC. 1 6.00% $3,471
    CREDIT UNION MORTGAGE ASSOCIATION, INC. 1 7.63% $8,346
    Deere Employees Credit Union 1 5.25% $2,934
    Discover Bank 1 5.24% $0
    EMBRACE HOME LOANS, INC. 1 4.38% $2,515
    BROKER SOLUTIONS, INC. 1 5.24% $6,581
    Fifth Third Bank 1 2.50% $10,125
    First Heritage Mortgage, LLC 1 5.25% $5,239
    First Horizon Bank 1 3.75% $2,972
    Blue Ridge Bank 1 3.50% $4,427
    First Savings Bank 1 6.13% $5,037
    FOUNDERS FEDERAL CREDIT UNION 1 2.88% $5,760
    Gateway First Bank 1 4.25% $3,938
    GoPrime Mortgage, Inc. 1 5.99% $7,030
    HOMESIDE FINANCIAL, LLC 1 6.63% $4,769

    North Wilkesboro Average Closing Costs & Other Stats

    North Wilkesboro, NC's 84 lenders originated 1,277 loans during 2022. The total origination value was $225,735,000, with an average loan value of $176,770.

    North Wilkesboro's average closing costs are $4,210.

    The top North Wilkesboro lender as defined by loan originations is STATE EMPLOYEES', with 154 loans originated. Their average total fees are $3,562, which is $425 higher than the next largest lender, LOCAL GOVERNMENT FEDERAL CREDIT UNION.

    The lowest fee North Wilkesboro lenders (with over 10 loans originated) are LOCAL GOVERNMENT FEDERAL CREDIT UNION ($3,137), STATE EMPLOYEES' ($3,562), Wells Fargo Bank ($3,808), Truist ($4,002) and FAIRWAY INDEPENDENT MORTGAGE CORPORATION ($4,008).

    The lowest rate North Wilkesboro lenders (with over 10 loans originated) are LOCAL GOVERNMENT FEDERAL CREDIT UNION (4.05%), STATE EMPLOYEES' (4.08%), MOVEMENT MORTGAGE, LLC (4.81%), Wells Fargo Bank (4.97%) and QUICKEN LOANS, LLC (4.99%).

    North Wilkesboro, 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 2021 Loan Value 2022 Loan Value % Change 2022 Market Share
    STATE EMPLOYEES' $56,625,000 $41,620,000 -26.5% 18.4%
    First National Bank of Pennsylvania $14,680,000 $14,395,000 -1.9% 6.4%
    QUICKEN LOANS, LLC $35,800,000 $12,200,000 -65.9% 5.4%
    Truist $22,430,000 $10,395,000 -53.7% 4.6%
    LOCAL GOVERNMENT FEDERAL CREDIT UNION $12,175,000 $9,035,000 -25.8% 4.0%
    MOVEMENT MORTGAGE, LLC $8,285,000 $7,495,000 -9.5% 3.3%
    First-Citizens Bank & Trust Company $3,835,000 $6,935,000 80.8% 3.1%
    Alcova Mortgage LLC $13,475,000 $6,810,000 -49.5% 3.0%
    ATLANTIC BAY MORTGAGE GROUP, L.L.C. $5,720,000 $5,795,000 1.3% 2.6%
    Wells Fargo Bank $11,050,000 $5,660,000 -48.8% 2.5%
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION $7,840,000 $4,550,000 -42.0% 2.0%
    Skyline National Bank $730,000 $4,515,000 518.5% 2.0%
    UNITED WHOLESALE MORTGAGE, LLC $2,400,000 $4,045,000 68.5% 1.8%
    Piedmont Federal Savings Bank $8,895,000 $3,510,000 -60.5% 1.6%
    Mortgage Research Center, LLC $4,355,000 $3,355,000 -23.0% 1.5%
    LOANDEPOT.COM, LLC $3,770,000 $2,930,000 -22.3% 1.3%
    INTERCOASTAL MORTGAGE COMPANY $2,705,000 $2,905,000 7.4% 1.3%
    Carolina Farm Credit, ACA $1,365,000 $2,840,000 108.1% 1.3%
    JPMorgan Chase Bank $2,060,000 $2,650,000 28.6% 1.2%
    VANDERBILT MORTGAGE AND FINANCE, INC. $1,590,000 $2,385,000 50.0% 1.1%
    AgFirst Farm Credit Bank $1,525,000 $2,235,000 46.6% 1.0%
    First Horizon Bank $2,135,000 $2,220,000 4.0% 1.0%
    Mr. Cooper ( Nationstar Mortgage ) $2,585,000 $2,135,000 -17.4% 0.9%
    Towne Bank $2,115,000 n/a 0.9%
    CROSSCOUNTRY MORTGAGE, LLC $795,000 $1,425,000 79.2% 0.6%
    CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $3,835,000 $1,420,000 -63.0% 0.6%
    NFM, INC. $145,000 $1,345,000 827.6% 0.6%
    NAVY FEDERAL CREDIT UNION $1,375,000 $1,300,000 -5.5% 0.6%
    Bank of America $1,125,000 $1,265,000 12.4% 0.6%
    ALLEGACY FEDERAL CREDIT UNION $1,215,000 $1,230,000 1.2% 0.5%
    CALIBER HOME LOANS, INC. $1,395,000 $1,210,000 -13.3% 0.5%
    United Community Bank $1,165,000 n/a 0.5%
    Truliant Federal Credit Union $705,000 $1,010,000 43.3% 0.4%
    Pinnacle Bank $1,335,000 $1,005,000 -24.7% 0.4%
    Ukrainian Federal Credit Union $1,005,000 n/a 0.4%
    Fifth Third Bank $180,000 $965,000 436.1% 0.4%
    First Reliance Bank $485,000 $920,000 89.7% 0.4%
    PENNYMAC LOAN SERVICES, LLC $3,390,000 $910,000 -73.2% 0.4%
    NEWREZ LLC $1,575,000 $885,000 -43.8% 0.4%
    ANGEL OAK HOME LOANS LLC $860,000 n/a 0.4%
    EMM LOANS LLC $860,000 n/a 0.4%
    PRIMARY RESIDENTIAL MORTGAGE, INC. $305,000 $840,000 175.4% 0.4%
    Wyndham Capital Mortgage, Inc. $215,000 $825,000 283.7% 0.4%
    AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC $805,000 n/a 0.4%
    T2 FINANCIAL LLC $585,000 $795,000 35.9% 0.4%
    North American Savings Bank, F.S.B. $770,000 n/a 0.3%
    USAA Federal Savings Bank $1,265,000 $765,000 -39.5% 0.3%
    FREEDOM MORTGAGE CORPORATION $6,590,000 $755,000 -88.5% 0.3%
    The Federal Savings Bank $905,000 $700,000 -22.7% 0.3%
    AMERIFIRST FINANCIAL CORPORATION $630,000 $680,000 7.9% 0.3%
    AMERISAVE MORTGAGE CORPORATION $1,905,000 $660,000 -65.4% 0.3%
    FOUNDERS FEDERAL CREDIT UNION $495,000 $650,000 31.3% 0.3%
    Ally Bank $95,000 $645,000 578.9% 0.3%
    First Community Bank $4,235,000 $620,000 -85.4% 0.3%
    Alliance Bank Central Texas $615,000 n/a 0.3%
    NBKC BANK $600,000 n/a 0.3%
    SeaTrust Mortgage Company $600,000 n/a 0.3%
    United Bank $705,000 $565,000 -19.9% 0.3%
    Figure Lending LLC $65,000 $555,000 753.8% 0.2%
    PNC Bank $1,775,000 $555,000 -68.7% 0.2%
    GoPrime Mortgage, Inc. $535,000 n/a 0.2%
    AMERICAN FINANCIAL RESOURCES, INC. $95,000 $515,000 442.1% 0.2%
    Northpointe Bank $1,335,000 $495,000 -62.9% 0.2%
    Carrington Mortgage Services, LLC $520,000 $490,000 -5.8% 0.2%
    EVERETT FINANCIAL, INC. $480,000 n/a 0.2%
    Renasant Bank $1,240,000 $475,000 -61.7% 0.2%
    GUARANTEED RATE, INC. $625,000 $470,000 -24.8% 0.2%
    Ameris Bank $805,000 $465,000 -42.2% 0.2%
    RELIANCE FIRST CAPITAL, LLC $800,000 $455,000 -43.1% 0.2%
    First Savings Bank $450,000 n/a 0.2%
    Allen Tate Mortgage Partners, LLC $520,000 $440,000 -15.4% 0.2%
    BROKER SOLUTIONS, INC. $2,520,000 $435,000 -82.7% 0.2%
    George Mason Mortgage, LLC $435,000 n/a 0.2%
    Low VA Rates, LLC $455,000 $435,000 -4.4% 0.2%
    Regions Bank $465,000 $430,000 -7.5% 0.2%
    LOANPAL, LLC $930,000 $420,000 -54.8% 0.2%
    U.S. Bank $115,000 $415,000 260.9% 0.2%
    KELLER MORTGAGE, LLC $930,000 $410,000 -55.9% 0.2%
    ENCORE BANK $385,000 n/a 0.2%
    AMERICAN ADVISORS GROUP $455,000 $380,000 -16.5% 0.2%
    OPEN MORTGAGE, LLC $375,000 n/a 0.2%
    Bank of England $335,000 $365,000 9.0% 0.2%
    NTFN, INC. $365,000 n/a 0.2%
    Gateway First Bank $640,000 $355,000 -44.5% 0.2%
    South State Bank $155,000 $340,000 119.4% 0.2%
    CMG MORTGAGE, INC. $325,000 n/a 0.1%
    RESOURCE FINANCIAL SERVICES, INC. $465,000 $325,000 -30.1% 0.1%
    AmRes Corporation $315,000 n/a 0.1%
    Stifel Bank and Trust $515,000 $310,000 -39.8% 0.1%
    RESIDENTIAL BANCORP. $305,000 n/a 0.1%
    Barrington Bank & Trust Company, N.A. $545,000 $300,000 -45.0% 0.1%
    The State Bank of Faribault $295,000 n/a 0.1%
    21ST MORTGAGE CORPORATION $535,000 $285,000 -46.7% 0.1%
    American Airlines Federal Credit Union $285,000 n/a 0.1%
    American Security Mortgage Corp. $300,000 $285,000 -5.0% 0.1%
    BAY EQUITY LLC $285,000 n/a 0.1%
    COASTAL Federal Credit Union $500,000 $275,000 -45.0% 0.1%
    MORTGAGE INVESTORS GROUP, INC. $275,000 n/a 0.1%
    HOMESIDE FINANCIAL, LLC $1,840,000 $270,000 -85.3% 0.1%
    SHARONVIEW FEDERAL CREDIT UNION $340,000 $270,000 -20.6% 0.1%
    PIEDMONT ADVANTAGE CREDIT UNION $265,000 n/a 0.1%
    Discover Bank $35,000 $250,000 614.3% 0.1%
    CREDIT UNION MORTGAGE ASSOCIATION, INC. $255,000 $245,000 -3.9% 0.1%
    LATINO COMMUNITY CREDIT UNION $240,000 n/a 0.1%
    LENDINGHOME FUNDING CORPORATION $225,000 $240,000 6.7% 0.1%
    CHURCHILL MORTGAGE CORPORATION $135,000 $235,000 74.1% 0.1%
    First Heritage Mortgage, LLC $235,000 n/a 0.1%
    COMPASS MORTGAGE, INC. $225,000 n/a 0.1%
    MILEND, INC. $225,000 n/a 0.1%
    HOME POINT FINANCIAL CORPORATION $770,000 $220,000 -71.4% 0.1%
    AmeriHome Mortgage Company, LLC $215,000 n/a 0.1%
    MUTUAL OF OMAHA MORTGAGE, INC. $665,000 $205,000 -69.2% 0.1%
    PROVIDENT FUNDING ASSOCIATES, L.P. $415,000 $205,000 -50.6% 0.1%
    Taylorsville Savings Bank SSB $205,000 n/a 0.1%
    ROYAL UNITED MORTGAGE LLC $335,000 $200,000 -40.3% 0.1%
    TOWNE MORTGAGE COMPANY $190,000 n/a 0.1%
    Blue Ridge Bank $2,495,000 $175,000 -93.0% 0.1%
    FirstBank $175,000 n/a 0.1%
    First Guaranty Mortgage Corporation $185,000 $175,000 -5.4% 0.1%
    GENEVA FINANCIAL, LLC $115,000 $165,000 43.5% 0.1%
    MICHIGAN MUTUAL, INC. $165,000 n/a 0.1%
    TD Bank $495,000 $165,000 -66.7% 0.1%
    Hometown Lenders, Inc. $155,000 n/a 0.1%
    MCLEAN MORTGAGE CORPORATION $465,000 $155,000 -66.7% 0.1%
    SPRING EQ, LLC $155,000 n/a 0.1%
    NEW DAY FINANCIAL, LLC $655,000 $145,000 -77.9% 0.1%
    PRIMELENDING, A PLAINSCAPITAL COMPANY $530,000 $145,000 -72.6% 0.1%
    SOUTHWEST STAGE FUNDING, LLC $145,000 $145,000 0.0% 0.1%
    Peoples Bank $175,000 $135,000 -22.9% 0.1%
    First Carolina Bank $125,000 n/a 0.1%
    Alpha Mortgage Corporation $115,000 n/a 0.1%
    American National Bank and Trust Company $435,000 $115,000 -73.6% 0.1%
    Flagstar Bank, FSB $315,000 $115,000 -63.5% 0.1%
    TRIAD FINANCIAL SERVICES, INC. $115,000 n/a 0.1%
    AMERICAN FINANCING CORPORATION $310,000 $105,000 -66.1% 0.0%
    CAPITAL CENTER, L.L.C. $105,000 n/a 0.0%
    CREDIT HUMAN FEDERAL CREDIT UNION $105,000 n/a 0.0%
    EMBRACE HOME LOANS, INC. $105,000 n/a 0.0%
    Nations Lending Corporation $465,000 $105,000 -77.4% 0.0%
    PENTAGON FEDERAL CREDIT UNION $900,000 $95,000 -89.4% 0.0%
    SUN WEST MORTGAGE COMPANY, INC. $330,000 $95,000 -71.2% 0.0%
    Uwharrie Bank $1,155,000 $95,000 -91.8% 0.0%
    Deere Employees Credit Union $90,000 n/a 0.0%
    ALLIANT CREDIT UNION $75,000 n/a 0.0%
    Arvest Bank $55,000 n/a 0.0%
    Home Loan Investment Bank, F.S.B. $25,000 n/a 0.0%

    North Wilkesboro's top lender by overall market share is STATE EMPLOYEES', with 18.4% market share. In second place, with 6.4%, is First National Bank of Pennsylvania, having originated $14,395,000 in loans. In third place, with 5.4%, is QUICKEN LOANS, LLC, having originated $12,200,000 in loans. In fourth place, with 4.6%, is Truist, having originated $10,395,000 in loans. In fifth place, with 4.0%, is LOCAL GOVERNMENT FEDERAL CREDIT UNION, having originated $9,035,000 in loans.

    North Wilkesboro Housing Market Trends (Median, Average Prices & Listing Count)

    Realtor.com - North Wilkesboro (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 $229,600 (6.5%) $332,236 (4.6%) 0.00 214
    2018-02-01 $227,975 (7.3%) $329,632 (4.4%) 0.00 219
    2018-03-01 $229,000 (4.4%) $320,273 (0.3%) 0.00 219
    2018-04-01 $225,875 (0.4%) $319,405 (-2.4%) 0.00 220
    2018-05-01 $246,750 (15.1%) $336,432 (5.7%) 0.00 228
    2018-06-01 $250,000 (27.2%) $357,392 (15.4%) 0.00 240
    2018-07-01 $229,925 (15.4%) $321,887 (3.3%) 0.00 265
    2018-08-01 $219,900 (-2.7%) $299,710 (-4.4%) 0.00 282
    2018-09-01 $229,000 (0.9%) $309,737 (-2.2%) 0.00 278
    2018-10-01 $227,375 (-4.0%) $307,032 (-4.2%) 0.00 273
    2018-11-01 $209,675 (-10.6%) $304,346 (-5.5%) 0.00 258
    2018-12-01 $199,945 (-13.4%) $302,236 (-8.4%) 0.00 257
    2019-01-01 $194,450 (-15.3%) $290,207 (-12.7%) 0.00 245
    2019-02-01 $212,450 (-6.8%) $313,491 (-4.9%) 0.00 230
    2019-03-01 $232,786 (1.7%) $336,808 (5.2%) 0.00 221
    2019-04-01 $249,900 (10.6%) $363,688 (13.9%) 0.00 219
    2019-05-01 $249,900 (1.3%) $358,020 (6.4%) 0.00 223
    2019-06-01 $255,900 (2.4%) $360,102 (0.8%) 0.00 238
    2019-07-01 $249,975 (8.7%) $345,732 (7.4%) 0.00 244
    2019-08-01 $249,936 (13.7%) $346,544 (15.6%) 0.00 242
    2019-09-01 $249,916 (9.1%) $350,234 (13.1%) 0.00 238
    2019-10-01 $252,452 (11.0%) $359,624 (17.1%) 0.00 227
    2019-11-01 $257,000 (22.6%) $373,178 (22.6%) 0.00 207
    2019-12-01 $255,725 (27.9%) $372,316 (23.2%) 0.00 183
    2020-01-01 $249,450 (28.3%) $358,977 (23.7%) 0.00 170
    2020-02-01 $249,000 (17.2%) $351,821 (12.2%) 0.00 163
    2020-03-01 $287,175 (23.4%) $384,494 (14.2%) 0.00 146
    2020-04-01 $299,000 (19.7%) $391,937 (7.8%) 0.00 152
    2020-05-01 $323,200 (29.3%) $401,999 (12.3%) 0.00 131
    2020-06-01 $349,450 (36.6%) $425,487 (18.2%) 0.00 124
    2020-07-01 $349,900 (40.0%) $477,836 (38.2%) 0.00 117
    2020-08-01 $379,450 (51.8%) $497,573 (43.6%) 0.00 96
    2020-09-01 $357,175 (42.9%) $472,968 (35.0%) 0.00 97
    2020-10-01 $334,900 (32.7%) $450,068 (25.2%) 0.00 98
    2020-11-01 $353,200 (37.4%) $463,519 (24.2%) 0.00 89
    2020-12-01 $379,225 (48.3%) $473,684 (27.2%) 0.00 73
    2021-01-01 $379,900 (52.3%) $486,179 (35.4%) 0.00 64
    2021-02-01 $382,175 (53.5%) $491,981 (39.8%) 0.00 54
    2021-03-01 $386,950 (34.7%) $483,873 (25.9%) 0.00 42
    2021-04-01 $299,900 (0.3%) $370,173 (-5.6%) 0.00 50
    2021-05-01 $349,900 (8.3%) $388,552 (-3.4%) 0.00 48
    2021-06-01 $299,000 (-14.4%) $390,213 (-8.3%) 0.00 63
    2021-07-01 $299,900 (-14.3%) $412,383 (-13.7%) 0.00 64
    2021-08-01 $287,050 (-24.4%) $428,128 (-14.0%) 0.00 64
    2021-09-01 $293,200 (-17.9%) $462,220 (-2.3%) 0.00 72
    2021-10-01 $288,800 (-13.8%) $459,750 (2.2%) 0.00 78
    2021-11-01 $270,000 (-23.6%) $465,551 (0.4%) 0.00 75
    2021-12-01 $277,450 (-26.8%) $461,052 (-2.7%) 0.00 68
    2022-01-01 $279,450 (-26.4%) $467,396 (-3.9%) 0.00 53
    2022-02-01 $264,900 (-30.7%) $494,308 (0.5%) 0.00 46
    2022-03-01 $250,425 (-35.3%) $486,932 (0.6%) 0.00 40
    2022-04-01 $294,450 (-1.8%) $517,978 (39.9%) 0.00 43
    2022-05-01 $398,475 (13.9%) $532,304 (37.0%) 0.00 58
    2022-06-01 $377,350 (26.2%) $521,863 (33.7%) 0.00 67
    2022-07-01 $345,000 (15.0%) $442,993 (7.4%) 0.00 74
    2022-08-01 $349,450 (21.7%) $452,485 (5.7%) 0.00 71
    2022-09-01 $337,000 (14.9%) $474,883 (2.7%) 0.00 69
    2022-10-01 $329,900 (14.2%) $494,628 (7.6%) 0.00 68
    2022-11-01 $343,975 (27.4%) $520,659 (11.8%) 0.00 67
    2022-12-01 $299,250 (7.9%) $505,675 (9.7%) 0.00 62
    2023-01-01 $340,495 (21.8%) $470,266 (0.6%) 0.00 49
    2023-02-01 $349,975 (32.1%) $452,499 (-8.5%) 0.00 50
    2023-03-01 $311,250 (24.3%) $430,535 (-11.6%) 0.00 49
    2023-04-01 $349,000 (18.5%) $447,006 (-13.7%) 0.00 58
    2023-05-01 $380,000 (-4.6%) $1,053,975 (98.0%) 0.00 71
    2023-06-01 $353,500 (-6.3%) $1,614,882 (209.5%) 0.00 76
    2023-07-01 $380,000 (10.1%) $1,553,502 (250.7%) 0.00 86
    2023-08-01 $364,725 (4.4%) $1,463,251 (223.4%) 0.00 90
    2023-09-01 $380,000 (12.8%) $1,601,835 (237.3%) 0.00 79
    2023-10-01 $396,500 (20.2%) $1,543,245 (212.0%) 0.00 90
    North Wilkesboro's median listing price for 2023-10-01 was $396,500, a difference of $66,600 (20.2%) versus the prior year and $16,500 versus the prior month.

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

    North Wilkesboro's average listing price for 2023-10-01 was $1,543,245, a difference of $1,048,617 (212.0%) versus the prior year and $-58,590 versus the prior month.

    For the 2023-10-01 period, North Wilkesboro had 90 MLS listings, a difference of 11 listings (14%) versus the prior month and 22 listings (32%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - North Wilkesboro (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,904 sqft
    2018-02-01 0 days 1,971 sqft
    2018-03-01 0 days 1,961 sqft
    2018-04-01 0 days 1,988 sqft
    2018-05-01 0 days 2,077 sqft
    2018-06-01 0 days 2,154 sqft
    2018-07-01 0 days 2,148 sqft
    2018-08-01 0 days 2,172 sqft
    2018-09-01 0 days 2,142 sqft
    2018-10-01 0 days 2,156 sqft
    2018-11-01 0 days 2,106 sqft
    2018-12-01 0 days 2,141 sqft
    2019-01-01 0 days 2,044 sqft
    2019-02-01 0 days 2,114 sqft
    2019-03-01 0 days 2,186 sqft
    2019-04-01 0 days 2,264 sqft
    2019-05-01 0 days 2,138 sqft
    2019-06-01 0 days 2,179 sqft
    2019-07-01 0 days 2,297 sqft
    2019-08-01 0 days 2,168 sqft
    2019-09-01 0 days 2,164 sqft
    2019-10-01 0 days 2,166 sqft
    2019-11-01 0 days 2,314 sqft
    2019-12-01 0 days 2,496 sqft
    2020-01-01 0 days 2,492 sqft
    2020-02-01 0 days 2,458 sqft
    2020-03-01 0 days 2,491 sqft
    2020-04-01 0 days 2,472 sqft
    2020-05-01 0 days 2,355 sqft
    2020-06-01 0 days 2,121 sqft
    2020-07-01 0 days 2,092 sqft
    2020-08-01 0 days 2,024 sqft
    2020-09-01 0 days 2,024 sqft
    2020-10-01 0 days 2,024 sqft
    2020-11-01 0 days 2,159 sqft
    2020-12-01 0 days 2,518 sqft
    2021-01-01 0 days 2,461 sqft
    2021-02-01 0 days 2,022 sqft
    2021-03-01 0 days 2,098 sqft
    2021-04-01 0 days 1,960 sqft
    2021-05-01 0 days 1,783 sqft
    2021-06-01 0 days 1,818 sqft
    2021-07-01 0 days 1,684 sqft
    2021-08-01 0 days 1,910 sqft
    2021-09-01 0 days 2,000 sqft
    2021-10-01 0 days 1,968 sqft
    2021-11-01 0 days 2,127 sqft
    2021-12-01 0 days 2,198 sqft
    2022-01-01 0 days 2,368 sqft
    2022-02-01 0 days 2,406 sqft
    2022-03-01 0 days 2,319 sqft
    2022-04-01 0 days 2,563 sqft
    2022-05-01 0 days 2,288 sqft
    2022-06-01 0 days 2,364 sqft
    2022-07-01 0 days 2,172 sqft
    2022-08-01 0 days 2,037 sqft
    2022-09-01 0 days 1,893 sqft
    2022-10-01 0 days 2,039 sqft
    2022-11-01 0 days 2,324 sqft
    2022-12-01 0 days 1,880 sqft
    2023-01-01 0 days 1,738 sqft
    2023-02-01 0 days 1,756 sqft
    2023-03-01 0 days 1,824 sqft
    2023-04-01 0 days 1,968 sqft
    2023-05-01 0 days 1,867 sqft
    2023-06-01 0 days 1,996 sqft
    2023-07-01 0 days 2,131 sqft
    2023-08-01 0 days 2,024 sqft
    2023-09-01 0 days 2,005 sqft
    2023-10-01 0 days 2,026 sqft
    North Wilkesboro's median listing age (time on market) for 2023-10-01 was 0 days.

    North Wilkesboro's median square footage for active listings during the 2023-10-01 period was 2,026 sqft. One year prior, the average listing was 2,039 sqft.

    North Wilkesboro, NC Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 616 $138,020,000 $224,058
    Refi 278 $44,580,000 $160,360
    Cash Out Refi 133 $23,575,000 $177,256
    Other 131 $10,385,000 $79,275
    Home Improvement 119 $9,175,000 $77,101

    North Wilkesboro's most frequently cited loan purpose was Home Purchase, with 616 originations. The 2nd most popular reason was Refi, with 278 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    3-4% 400 $68,440,000 $171,100
    4-5% 246 $48,290,000 $196,301
    5-6% 229 $43,365,000 $189,367
    2.5-3% 182 $21,060,000 $115,714
    6-7% 90 $17,480,000 $194,222
    7-8% 41 $6,155,000 $150,122
    <2.5% 39 $13,725,000 $351,923
    Over 8% 23 $1,455,000 $63,261

    During 2022, North Wilkesboro's most frequently originated rate bucket was 3-4%, with 400 originations.

    Loan Sizing (North Wilkesboro, NC MSA)

    Loan Size Originations Total Value Average Loan
    $100k-200k 490 $70,580,000 $144,041
    $100,000 or less 389 $22,975,000 $59,062
    $200k-400k 337 $90,355,000 $268,116
    $400k-600k 39 $18,415,000 $472,179
    $600k-1000k 17 $11,935,000 $702,059
    $Over $1MM 5 $11,475,000 $2,295,000

    North Wilkesboro's loan sizing saw the bucket of loans from $100k-200k with 490 originations, totaling $70,580,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 456 $97,700,000 $214,254
    60-80% 290 $60,210,000 $207,621
    20-40% 189 $16,795,000 $88,862
    40-60% 167 $27,355,000 $163,802
    Under 20% 123 $5,095,000 $41,423
    Over 100% 23 $12,295,000 $534,565

    North Wilkesboro's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 456 originations, totaling $97,700,000 in origination value.