North Wilkesboro Mortgage Rates

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

30 Year Fixed Rate mortgages in North Wilkesboro averaged 6.06% 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 6.37% and one month ago for the week of 2022-05-26, the average rate was 5.66%.

North Wilkesboro's average rate one year ago was 3.27%.

For refis of the same type during the week of 2022-06-30, the average rate was 5.91%.

Loan Type Date Rate
US 30 Year Fixed Rate 2022-06-30 5.7%
North Wilkesboro 30 Year Fixed Rate 2022-06-30 6.06%
North Wilkesboro 30 Year Fixed Rate Refi 2022-06-30 5.91%
North Wilkesboro 15 Year Fixed Rate 2022-06-30 5.63%
North Wilkesboro 15 Year Fixed Rate Refi 2022-06-30 5.18%
North Wilkesboro 30 Year FHA 2022-06-30 5.7%
North Wilkesboro 30 Year FHA Refi 2022-06-30 5.56%
North Wilkesboro 30 Year USDA 2022-06-30 5.74%
North Wilkesboro 30 Year USDA Refi 2022-06-30 5.36%
North Wilkesboro 30 Year VA 2022-06-30 5.53%
North Wilkesboro 30 Year VA Refi 2022-06-30 5.27%
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 lendor, 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 2021 Avg. 30yFix Rate 2021 Avg. Total Fees
STATE EMPLOYEES' 151 3.27% $3,523
QUICKEN LOANS, LLC 91 3.14% $4,484
Truist Bank 39 3.02% $3,921
Wells Fargo Bank 34 3.14% $3,325
LOCAL GOVERNMENT FEDERAL CREDIT UNION 32 3.36% $3,424
Alcova Mortgage LLC 28 3.27% $2,627
MOVEMENT MORTGAGE, LLC 22 3.07% $3,793
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 22 3.24% $4,234
Piedmont Federal Savings Bank 17 2.99% $3,168
ATLANTIC BAY MORTGAGE GROUP, L.L.C. 12 3.20% $4,790
First National Bank of Pennsylvania 9 2.96% $3,533
LOANDEPOT.COM, LLC 8 3.07% $4,436
BETTER MORTGAGE CORPORATION 8 2.98% $2,688
Blue Ridge Bank 8 3.34% $4,331
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 7 2.96% $4,071
BROKER SOLUTIONS, INC. 7 2.92% $3,587
First-Citizens Bank & Trust Company 6 3.02% $3,373
First Community Bank 5 3.03% $3,817
Northpointe Bank 5 3.59% $4,314
UNITED WHOLESALE MORTGAGE, LLC 4 3.07% $4,214
AgFirst Farm Credit Bank 4 2.94% $4,924
PENNYMAC LOAN SERVICES, LLC 4 2.97% $4,930
AMERISAVE MORTGAGE CORPORATION 4 3.06% $5,398
ZILLOW HOME LOANS, LLC 3 3.00% $4,308
Ameris Bank 3 2.96% $3,226
CALIBER HOME LOANS, INC. 3 3.29% $2,945
First Horizon Bank 3 3.13% $3,201
First Reliance Bank 3 2.58% $6,038
HOMESIDE FINANCIAL, LLC 3 3.46% $3,417
INTERCOASTAL MORTGAGE COMPANY 3 2.87% $5,501
JPMorgan Chase Bank 3 3.16% $852
PNC Bank 3 3.13% $2,284
Renasant Bank 3 3.54% $3,829
Uwharrie Bank 3 3.29% $3,596
InterContinental Capital Group, Inc 2 2.75% $4,328
GUARANTEED RATE, INC. 2 3.13% $2,012
HOME POINT FINANCIAL CORPORATION 2 3.25% $3,721
UNITED MORTGAGE CORP. 2 2.81% $3,928
KELLER MORTGAGE, LLC 2 2.69% $2,778
KS StateBank 2 2.88% $3,001
LOANPAL, LLC 2 3.12% $4,486
MUTUAL OF OMAHA MORTGAGE, INC. 2 2.56% $10,254
Bank of America 2 2.88% $3,292
Pinnacle Bank 2 3.00% $3,540
PRIMELENDING, A PLAINSCAPITAL COMPANY 2 3.18% $3,741
Prosperity Home Mortgage, LLC 2 3.13% $3,217
PROVIDENT FUNDING ASSOCIATES, L.P. 2 2.63% $2,286
AMERIFIRST FINANCIAL CORPORATION 2 3.44% $3,886
RELIANCE FIRST CAPITAL, LLC 2 3.00% $8,570
Allen Tate Mortgage Partners, LLC 2 3.75% $6,880
RESOURCE FINANCIAL SERVICES, INC. 2 3.06% $4,464
ROYAL UNITED MORTGAGE LLC 2 4.25% $5,989
SHARONVIEW FEDERAL CREDIT UNION 2 3.31% $4,700
Third Federal Savings and Loan Association of Cleveland 2 3.20% $148
AMERICAN FINANCING CORPORATION 2 3.25% $2,990
Truliant Federal Credit Union 2 3.38% $4,315
CROSSCOUNTRY MORTGAGE, LLC 2 3.31% $4,678
FIRST HOME MORTGAGE CORPORATION 2 3.69% $3,971
City National Bank of Florida 1 3.38% $3,798
SOVEREIGN LENDING GROUP INCORPORATED 1 2.50% $6,144
Carrington Mortgage Services, LLC 1 2.50% $6,302
Merchants Bank of Indiana 1 2.63% $2,762
MORTGAGE ACCESS CORP. 1 3.63% $3,766
MORTGAGE FINANCIAL GROUP, INC. 1 3.13% $3,383
Carolina Farm Credit, ACA 1 4.80% $5,733
Mr. Cooper ( Nationstar Mortgage ) 1 4.50% $3,780
American Security Mortgage Corp. 1 2.75% $3,846
NAVY FEDERAL CREDIT UNION 1 4.13% $2,036
New Peoples Bank, Inc. 1 3.50% $2,873
NEWREZ LLC 1 2.99% $3,605
Capital City Home Loans, LLC 1 3.50% $4,399
Paramount Residential Mortgage Group, Inc. 1 3.63% $11,121
Stifel Bank and Trust 1 3.00% $2,422
PENTAGON FEDERAL CREDIT UNION 1 2.75% $4,721
ANGEL OAK MORTGAGE SOLUTIONS LLC 1 5.63% $6,072
TD Bank 1 3.38% $3,120
Plains Commerce Bank 1 3.63% $4,305
Waterstone Mortgage Corporation 1 3.50% $3,587
PRIMARY RESIDENTIAL MORTGAGE, INC. 1 3.50% $4,783
TEACHERS CREDIT UNION 1 3.38% $2,991
FINANCE OF AMERICA MORTGAGE LLC 1 2.63% $4,632
TOP FLITE FINANCIAL, INC. 1 3.63% $7,730
First Federal Bank 1 3.38% $4,801
RAPID MORTGAGE COMPANY 1 3.25% $3,785
Regions Bank 1 3.25% $7,065
CREDIT UNION MORTGAGE ASSOCIATION, INC. 1 3.50% $3,525
COASTAL Federal Credit Union 1 4.00% $3,452
AMERICAN FINANCIAL NETWORK, INC. 1 2.88% $8,767
Flagstar Bank, FSB 1 3.08% $2,162
FLAT BRANCH MORTGAGE, INC. 1 3.38% $3,451
FOUNDERS FEDERAL CREDIT UNION 1 2.50% $8,873
FREEDOM MORTGAGE CORPORATION 1 3.50% $1,440
Gateway First Bank 1 3.25% $4,915
GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 1 2.75% $2,764
UNION HOME MORTGAGE CORP. 1 3.25% $2,632
GUILD MORTGAGE COMPANY 1 2.99% $2,789
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 1 3.63% $4,247
HOMEOWNERS FINANCIAL GROUP USA, LLC 1 3.63% $5,258
EQUITY RESOURCES, INC. 1 3.13% $3,935
USAA Federal Savings Bank 1 3.38% $3,607
HomeTrust Bank 1 3.13% $5,092
INLANTA MORTGAGE, INC. 1 3.25% $2,792
U.S. Bank 1 3.00% $3,222
Dollar Bank, Federal Savings Bank 1 3.25% $5,712
ALLEGACY FEDERAL CREDIT UNION 1 3.00% $4,795
Fifth Third Bank 1 3.13% $3,048
South State Bank 1 3.25% $5,637
LADERA LENDING, INC. 1 3.00% $1,823
LIBERTY HOME MORTGAGE CORPORATION 1 3.50% $5,108

North Wilkesboro, NC's 109 lenders originated 1,856 loans during 2021. The total origination value was $321,690,000, with an average loan value of $173,324.

The top North Wilkesboro lender as defined by loan originations is STATE EMPLOYEES', with 151 loans originated. Their average total fees are $3,523, which is $961 lower than the next largest lender, QUICKEN LOANS, LLC.

The lowest fee North Wilkesboro lenders (with over 10 loans originated) are Alcova Mortgage LLC ($2,627), Piedmont Federal Savings Bank ($3,168), Wells Fargo Bank ($3,325), LOCAL GOVERNMENT FEDERAL CREDIT UNION ($3,424) and STATE EMPLOYEES' ($3,523).

The lowest rate North Wilkesboro lenders (with over 10 loans originated) are Piedmont Federal Savings Bank (2.99%), Truist Bank (3.02%), MOVEMENT MORTGAGE, LLC (3.07%), QUICKEN LOANS, LLC (3.14%) and Wells Fargo Bank (3.14%).

North Wilkesboro, 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' $38,525,000 $56,625,000 47.0% 17.6%
QUICKEN LOANS, LLC $28,435,000 $35,800,000 25.9% 11.1%
Truist Bank $21,360,000 $22,430,000 5.0% 7.0%
First National Bank of Pennsylvania $15,125,000 $14,680,000 -2.9% 4.6%
Alcova Mortgage LLC $165,000 $13,475,000 8,066.7% 4.2%
LOCAL GOVERNMENT FEDERAL CREDIT UNION $8,320,000 $12,175,000 46.3% 3.8%
Wells Fargo Bank $10,000,000 $11,050,000 10.5% 3.4%
Piedmont Federal Savings Bank $6,355,000 $8,895,000 40.0% 2.8%
MOVEMENT MORTGAGE, LLC $6,415,000 $8,285,000 29.2% 2.6%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $8,365,000 $7,840,000 -6.3% 2.4%
FREEDOM MORTGAGE CORPORATION $7,315,000 $6,590,000 -9.9% 2.0%
ATLANTIC BAY MORTGAGE GROUP, L.L.C. $3,815,000 $5,720,000 49.9% 1.8%
Mortgage Research Center, LLC $3,045,000 $4,355,000 43.0% 1.4%
First Community Bank $3,230,000 $4,235,000 31.1% 1.3%
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $2,640,000 $3,835,000 45.3% 1.2%
First-Citizens Bank & Trust Company $3,370,000 $3,835,000 13.8% 1.2%
LOANDEPOT.COM, LLC $2,115,000 $3,770,000 78.3% 1.2%
BETTER MORTGAGE CORPORATION $315,000 $3,495,000 1,009.5% 1.1%
PENNYMAC LOAN SERVICES, LLC $1,475,000 $3,390,000 129.8% 1.1%
INTERCOASTAL MORTGAGE COMPANY $195,000 $2,705,000 1,287.2% 0.8%
Mr. Cooper ( Nationstar Mortgage ) $1,885,000 $2,585,000 37.1% 0.8%
BROKER SOLUTIONS, INC. $135,000 $2,520,000 1,766.7% 0.8%
Blue Ridge Bank $585,000 $2,495,000 326.5% 0.8%
UNITED WHOLESALE MORTGAGE, LLC $1,590,000 $2,400,000 50.9% 0.7%
First Horizon Bank $810,000 $2,135,000 163.6% 0.7%
JPMorgan Chase Bank $1,130,000 $2,060,000 82.3% 0.6%
AMERISAVE MORTGAGE CORPORATION $1,530,000 $1,905,000 24.5% 0.6%
HOMESIDE FINANCIAL, LLC $1,355,000 $1,840,000 35.8% 0.6%
PNC Bank $485,000 $1,775,000 266.0% 0.6%
VANDERBILT MORTGAGE AND FINANCE, INC. $1,945,000 $1,590,000 -18.3% 0.5%
NEWREZ LLC $985,000 $1,575,000 59.9% 0.5%
AgFirst Farm Credit Bank $3,700,000 $1,525,000 -58.8% 0.5%
CALIBER HOME LOANS, INC. $1,140,000 $1,395,000 22.4% 0.4%
NAVY FEDERAL CREDIT UNION $2,450,000 $1,375,000 -43.9% 0.4%
Carolina Farm Credit, ACA $225,000 $1,365,000 506.7% 0.4%
Northpointe Bank $125,000 $1,335,000 968.0% 0.4%
Pinnacle Bank $550,000 $1,335,000 142.7% 0.4%
USAA Federal Savings Bank $2,635,000 $1,265,000 -52.0% 0.4%
Renasant Bank $1,005,000 $1,240,000 23.4% 0.4%
VILLAGE CAPITAL & INVESTMENT LLC $1,100,000 $1,235,000 12.3% 0.4%
ALLEGACY FEDERAL CREDIT UNION $1,610,000 $1,215,000 -24.5% 0.4%
Uwharrie Bank $630,000 $1,155,000 83.3% 0.4%
Bank of America $2,630,000 $1,125,000 -57.2% 0.3%
Prosperity Home Mortgage, LLC $1,125,000 n/a 0.3%
FIRST HOME MORTGAGE CORPORATION $105,000 $1,105,000 952.4% 0.3%
HomeTrust Bank $1,070,000 n/a 0.3%
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. $255,000 $985,000 286.3% 0.3%
KELLER MORTGAGE, LLC $335,000 $930,000 177.6% 0.3%
LAKEVIEW LOAN SERVICING, LLC $800,000 $930,000 16.3% 0.3%
LOANPAL, LLC $145,000 $930,000 541.4% 0.3%
The Federal Savings Bank $565,000 $905,000 60.2% 0.3%
PENTAGON FEDERAL CREDIT UNION $105,000 $900,000 757.1% 0.3%
Ameris Bank $510,000 $805,000 57.8% 0.3%
RELIANCE FIRST CAPITAL, LLC $565,000 $800,000 41.6% 0.2%
CROSSCOUNTRY MORTGAGE, LLC $350,000 $795,000 127.1% 0.2%
HOME POINT FINANCIAL CORPORATION $1,130,000 $770,000 -31.9% 0.2%
MID AMERICA MORTGAGE, INC. $355,000 $745,000 109.9% 0.2%
Skyline National Bank $2,375,000 $730,000 -69.3% 0.2%
Truliant Federal Credit Union $830,000 $705,000 -15.1% 0.2%
United Bank $705,000 n/a 0.2%
MUTUAL OF OMAHA MORTGAGE, INC. $300,000 $665,000 121.7% 0.2%
NEW DAY FINANCIAL, LLC $1,010,000 $655,000 -35.1% 0.2%
City National Bank of Florida $650,000 n/a 0.2%
Gateway First Bank $135,000 $640,000 374.1% 0.2%
AMERIFIRST FINANCIAL CORPORATION $2,330,000 $630,000 -73.0% 0.2%
GUARANTEED RATE, INC. $1,290,000 $625,000 -51.6% 0.2%
SWBC MORTGAGE CORPORATION $605,000 n/a 0.2%
InterContinental Capital Group, Inc $1,205,000 $585,000 -51.5% 0.2%
T2 FINANCIAL LLC $585,000 n/a 0.2%
ZILLOW HOME LOANS, LLC $565,000 n/a 0.2%
Barrington Bank & Trust Company, N.A. $115,000 $545,000 373.9% 0.2%
Capital City Home Loans, LLC $545,000 n/a 0.2%
KS StateBank $540,000 n/a 0.2%
21ST MORTGAGE CORPORATION $65,000 $535,000 723.1% 0.2%
BM Real Estate Services, Inc. $535,000 n/a 0.2%
PRIMELENDING, A PLAINSCAPITAL COMPANY $340,000 $530,000 55.9% 0.2%
Allen Tate Mortgage Partners, LLC $520,000 n/a 0.2%
ALLIED MORTGAGE GROUP, INC. $520,000 n/a 0.2%
Carrington Mortgage Services, LLC $295,000 $520,000 76.3% 0.2%
Stifel Bank and Trust $515,000 n/a 0.2%
HOMEBRIDGE FINANCIAL SERVICES, INC. $510,000 n/a 0.2%
UNITED MORTGAGE CORP. $510,000 n/a 0.2%
COASTAL Federal Credit Union $445,000 $500,000 12.4% 0.2%
FOUNDERS FEDERAL CREDIT UNION $495,000 n/a 0.2%
TD Bank $495,000 n/a 0.2%
First Reliance Bank $1,150,000 $485,000 -57.8% 0.2%
Paramount Residential Mortgage Group, Inc. $1,000,000 $485,000 -51.5% 0.2%
LADERA LENDING, INC. $295,000 $480,000 62.7% 0.1%
Citizens Bank $635,000 $470,000 -26.0% 0.1%
EQUITY RESOURCES, INC. $470,000 n/a 0.1%
MCLEAN MORTGAGE CORPORATION $300,000 $465,000 55.0% 0.1%
Nations Lending Corporation $870,000 $465,000 -46.6% 0.1%
Regions Bank $135,000 $465,000 244.4% 0.1%
RESOURCE FINANCIAL SERVICES, INC. $375,000 $465,000 24.0% 0.1%
AMERICAN ADVISORS GROUP $35,000 $455,000 1,200.0% 0.1%
Low VA Rates, LLC $625,000 $455,000 -27.2% 0.1%
American National Bank and Trust Company $435,000 n/a 0.1%
PROVIDENT FUNDING ASSOCIATES, L.P. $155,000 $415,000 167.7% 0.1%
SOVEREIGN LENDING GROUP INCORPORATED $395,000 n/a 0.1%
TOP FLITE FINANCIAL, INC. $370,000 n/a 0.1%
MORTGAGE ACCESS CORP. $365,000 n/a 0.1%
First Federal Bank $355,000 n/a 0.1%
SHARONVIEW FEDERAL CREDIT UNION $340,000 n/a 0.1%
Bank of England $335,000 n/a 0.1%
ROYAL UNITED MORTGAGE LLC $105,000 $335,000 219.0% 0.1%
United Texas Credit Union $335,000 n/a 0.1%
SUN WEST MORTGAGE COMPANY, INC. $320,000 $330,000 3.1% 0.1%
PREMIA MORTGAGE, LLC $370,000 $325,000 -12.2% 0.1%
SUCCESS MORTGAGE PARTNERS, INC. $260,000 $320,000 23.1% 0.1%
Dollar Bank, Federal Savings Bank $760,000 $315,000 -58.6% 0.1%
Flagstar Bank, FSB $280,000 $315,000 12.5% 0.1%
GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION $315,000 n/a 0.1%
AMERICAN FINANCIAL NETWORK, INC. $175,000 $310,000 77.1% 0.1%
AMERICAN FINANCING CORPORATION $115,000 $310,000 169.6% 0.1%
PRIMARY RESIDENTIAL MORTGAGE, INC. $125,000 $305,000 144.0% 0.1%
American Security Mortgage Corp. $975,000 $300,000 -69.2% 0.1%
UNION HOME MORTGAGE CORP. $260,000 $300,000 15.4% 0.1%
FIRST BANCORP, INC. $135,000 $280,000 107.4% 0.1%
Manufacturers and Traders Trust Company $135,000 $270,000 100.0% 0.1%
FLAT BRANCH MORTGAGE, INC. $265,000 n/a 0.1%
CREDIT UNION MORTGAGE ASSOCIATION, INC. $155,000 $255,000 64.5% 0.1%
HOMESPIRE MORTGAGE CORPORATION $255,000 n/a 0.1%
ANGEL OAK MORTGAGE SOLUTIONS LLC $245,000 n/a 0.1%
Third Federal Savings and Loan Association of Cleveland $230,000 n/a 0.1%
LENDINGHOME FUNDING CORPORATION $225,000 n/a 0.1%
LIBERTY HOME MORTGAGE CORPORATION $375,000 $225,000 -40.0% 0.1%
New Peoples Bank, Inc. $225,000 n/a 0.1%
TIAA, FSB $490,000 $225,000 -54.1% 0.1%
MORTGAGE SOLUTIONS OF COLORADO, LLC $460,000 $215,000 -53.3% 0.1%
Wyndham Capital Mortgage, Inc. $395,000 $215,000 -45.6% 0.1%
Plains Commerce Bank $205,000 $205,000 0.0% 0.1%
RAPID MORTGAGE COMPANY $205,000 n/a 0.1%
TEACHERS CREDIT UNION $205,000 n/a 0.1%
Amerifirst Financial, Inc. $215,000 $195,000 -9.3% 0.1%
First Guaranty Mortgage Corporation $520,000 $185,000 -64.4% 0.1%
Fifth Third Bank $375,000 $180,000 -52.0% 0.1%
FINANCE OF AMERICA MORTGAGE LLC $175,000 n/a 0.1%
GUILD MORTGAGE COMPANY $175,000 n/a 0.1%
JAMES B. NUTTER & COMPANY $175,000 n/a 0.1%
Peoples Bank $85,000 $175,000 105.9% 0.1%
BAYSHORE MORTGAGE FUNDING, LLC $165,000 n/a 0.1%
CLEARPATH LENDING $575,000 $165,000 -71.3% 0.1%
SELF-HELP Credit Union $165,000 n/a 0.1%
LOANLEADERS OF AMERICA, INC. $155,000 n/a 0.0%
Magnolia Bank $155,000 n/a 0.0%
Mid-Continent Funding, Inc. $155,000 n/a 0.0%
PANORAMA MORTGAGE GROUP, LLC $155,000 n/a 0.0%
South State Bank $155,000 n/a 0.0%
LENDUS, LLC $145,000 n/a 0.0%
Merchants Bank of Indiana $145,000 n/a 0.0%
NFM, INC. $250,000 $145,000 -42.0% 0.0%
SOUTHWEST STAGE FUNDING, LLC $145,000 n/a 0.0%
ALL REVERSE MORTGAGE, INC. $135,000 n/a 0.0%
CHURCHILL MORTGAGE CORPORATION $165,000 $135,000 -18.2% 0.0%
Evolve Bank & Trust $135,000 n/a 0.0%
HAMILTON HOME LOANS, INC. $135,000 n/a 0.0%
HOMEOWNERS FINANCIAL GROUP USA, LLC $135,000 n/a 0.0%
Waterstone Mortgage Corporation $135,000 n/a 0.0%
INLANTA MORTGAGE, INC. $125,000 n/a 0.0%
GENEVA FINANCIAL, LLC $115,000 n/a 0.0%
U.S. Bank $210,000 $115,000 -45.2% 0.0%
UNITED $180,000 $110,000 -38.9% 0.0%
West Town Bank & Trust $105,000 n/a 0.0%
Ally Bank $555,000 $95,000 -82.9% 0.0%
AMERICAN FINANCIAL RESOURCES, INC. $500,000 $95,000 -81.0% 0.0%
DOMINION FINANCIAL SERVICES, LLC $95,000 n/a 0.0%
MORTGAGE FINANCIAL GROUP, INC. $155,000 $95,000 -38.7% 0.0%
BANKSOUTH MORTGAGE COMPANY, LLC $65,000 n/a 0.0%
Figure Lending LLC $65,000 n/a 0.0%
Discover Bank $35,000 n/a 0.0%
CORNING $125,000 $25,000 -80.0% 0.0%
Telco Community Credit Union $55,000 $15,000 -72.7% 0.0%

North Wilkesboro's top lender by overall market share is STATE EMPLOYEES', with 17.6% market share. In second place, with 11.1%, is QUICKEN LOANS, LLC, having originated $35,800,000 in loans. In third place, with 7.0%, is Truist Bank, having originated $22,430,000 in loans. In third place, with 4.6%, is First National Bank of Pennsylvania, having originated $14,680,000 in loans. In third place, with 4.2%, is Alcova Mortgage LLC, having originated $13,475,000 in loans.


North Wilkesboro, NC Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Refi 770 $123,670,000 $160,610
Home Purchase 707 $140,725,000 $199,045
Cash Out Refi 215 $41,535,000 $193,186
Other 85 $8,105,000 $95,353
Home Improvement 79 $7,655,000 $96,899

North Wilkesboro's most frequently cited loan purpose was Refi, with 770 originations. The 2nd most popular reason was Home Purchase, with 707 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
2.5-3% 815 $135,805,000 $166,632
3-4% 672 $121,310,000 $180,521
<2.5% 257 $50,445,000 $196,284
4-5% 63 $8,845,000 $140,397
Over 8% 17 $2,495,000 $146,765
5-6% 9 $985,000 $109,444
6-7% 7 $665,000 $95,000
7-8% 3 $365,000 $121,667

During 2021, North Wilkesboro's most frequently originated rate bucket was 2.5-3%, with 815 originations.

Loan Sizing (North Wilkesboro, NC MSA)

Loan Size Originations Total Value Average Loan
$100k-200k 840 $122,540,000 $145,881
$200k-400k 481 $127,475,000 $265,021
$100,000 or less 457 $29,625,000 $64,825
$400k-600k 64 $31,140,000 $486,563
$600k-1000k 12 $8,720,000 $726,667
$Over $1MM 2 $2,190,000 $1,095,000

North Wilkesboro's loan sizing saw the bucket of loans from $100k-200k with 840 originations, totaling $122,540,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 699 $136,595,000 $195,415
60-80% 539 $106,055,000 $196,763
40-60% 296 $45,520,000 $153,784
20-40% 160 $15,910,000 $99,438
Under 20% 90 $3,540,000 $39,333
Over 100% 22 $4,800,000 $218,182

North Wilkesboro's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 699 originations, totaling $136,595,000 in origination value.


Market Conditions (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 $239,950 (9.1%) $370,627 (18.7%) 0.00 214
2018-02-01 $229,000 (4.6%) $354,702 (13.3%) 0.00 226
2018-03-01 $229,900 (2.2%) $337,608 (5.0%) 0.00 227
2018-04-01 $229,900 (2.2%) $344,165 (5.4%) 0.00 228
2018-05-01 $249,450 (16.1%) $357,925 (12.9%) 0.00 243
2018-06-01 $259,900 (30.2%) $368,857 (17.2%) 0.00 271
2018-07-01 $252,250 (26.2%) $339,818 (6.1%) 0.00 305
2018-08-01 $229,900 (1.3%) $320,746 (-1.8%) 0.00 314
2018-09-01 $245,000 (7.9%) $333,822 (0.0%) 0.00 316
2018-10-01 $245,000 (5.2%) $338,923 (0.7%) 0.00 324
2018-11-01 $229,900 (0.4%) $346,395 (1.9%) 0.00 304
2018-12-01 $224,000 (-6.6%) $341,741 (-4.3%) 0.00 296
2019-01-01 $212,450 (-11.5%) $329,694 (-11.0%) 0.00 273
2019-02-01 $234,700 (2.5%) $354,330 (-0.1%) 0.00 266
2019-03-01 $244,186 (6.2%) $365,784 (8.4%) 0.00 264
2019-04-01 $249,900 (8.7%) $373,984 (8.7%) 0.00 251
2019-05-01 $255,400 (2.4%) $364,189 (1.8%) 0.00 257
2019-06-01 $269,500 (3.7%) $370,893 (0.6%) 0.00 269
2019-07-01 $252,450 (0.1%) $358,924 (5.6%) 0.00 265
2019-08-01 $259,243 (12.8%) $360,212 (12.3%) 0.00 264
2019-09-01 $264,193 (7.8%) $362,927 (8.7%) 0.00 259
2019-10-01 $269,950 (10.2%) $366,244 (8.1%) 0.00 245
2019-11-01 $269,900 (17.4%) $373,807 (7.9%) 0.00 230
2019-12-01 $272,400 (21.6%) $376,619 (10.2%) 0.00 218
2020-01-01 $262,450 (23.5%) $372,249 (12.9%) 0.00 200
2020-02-01 $259,000 (10.4%) $360,505 (1.7%) 0.00 202
2020-03-01 $289,900 (18.7%) $382,076 (4.5%) 0.00 179
2020-04-01 $294,900 (18.0%) $386,302 (3.3%) 0.00 186
2020-05-01 $321,500 (25.9%) $382,556 (5.0%) 0.00 160
2020-06-01 $344,450 (27.8%) $402,517 (8.5%) 0.00 146
2020-07-01 $359,450 (42.4%) $453,814 (26.4%) 0.00 140
2020-08-01 $379,000 (46.2%) $481,954 (33.8%) 0.00 118
2020-09-01 $383,700 (45.2%) $451,333 (24.4%) 0.00 118
2020-10-01 $349,000 (29.3%) $432,785 (18.2%) 0.00 116
2020-11-01 $359,450 (33.2%) $451,663 (20.8%) 0.00 102
2020-12-01 $399,350 (46.6%) $476,339 (26.5%) 0.00 91
2021-01-01 $399,900 (52.4%) $486,297 (30.6%) 0.00 78
2021-02-01 $389,350 (50.3%) $483,437 (34.1%) 0.00 62
2021-03-01 $292,450 (0.9%) $444,915 (16.5%) 0.00 45
2021-04-01 $277,450 (-5.9%) $358,987 (-7.1%) 0.00 58
2021-05-01 $310,000 (-3.6%) $376,380 (-1.6%) 0.00 54
2021-06-01 $294,450 (-14.5%) $373,363 (-7.2%) 0.00 70
2021-07-01 $294,700 (-18.0%) $399,048 (-12.1%) 0.00 71
2021-08-01 $249,950 (-34.1%) $404,848 (-16.0%) 0.00 76
2021-09-01 $278,450 (-27.4%) $438,790 (-2.8%) 0.00 79
2021-10-01 $258,000 (-26.1%) $428,969 (-0.9%) 0.00 88
2021-11-01 $252,500 (-29.8%) $421,316 (-6.7%) 0.00 91
2021-12-01 $262,450 (-34.3%) $413,411 (-13.2%) 0.00 80
2022-01-01 $269,900 (-32.5%) $423,564 (-12.9%) 0.00 57
2022-02-01 $269,900 (-30.7%) $454,988 (-5.9%) 0.00 51
2022-03-01 $260,950 (-10.8%) $493,418 (10.9%) 0.00 42
2022-04-01 $330,000 (18.9%) $524,502 (46.1%) 0.00 49
2022-05-01 $462,000 (49.0%) $547,935 (45.6%) 0.00 66
2022-06-01 $407,000 (38.2%) $520,589 (39.4%) 0.00 77
North Wilkesboro's median listing price for 2022-06-01 was $407,000, a difference of $112,550 (38.2%) versus the prior year and $-55,000 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 2022-06-01 was $520,589, a difference of $147,226 (39.4%) versus the prior year and $-27,346 versus the prior month.

For the 2022-06-01 period, North Wilkesboro had 77 MLS listings, a difference of 11 listings (17%) versus the prior month and 7 listings (10%) 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 1,977 sqft
2018-02-01 0 days 2,003 sqft
2018-03-01 0 days 2,018 sqft
2018-04-01 0 days 2,040 sqft
2018-05-01 0 days 2,146 sqft
2018-06-01 0 days 2,175 sqft
2018-07-01 0 days 2,154 sqft
2018-08-01 0 days 2,255 sqft
2018-09-01 0 days 2,260 sqft
2018-10-01 0 days 2,406 sqft
2018-11-01 0 days 2,184 sqft
2018-12-01 0 days 2,207 sqft
2019-01-01 0 days 2,130 sqft
2019-02-01 0 days 2,131 sqft
2019-03-01 0 days 2,190 sqft
2019-04-01 0 days 2,347 sqft
2019-05-01 0 days 2,494 sqft
2019-06-01 0 days 2,502 sqft
2019-07-01 0 days 2,567 sqft
2019-08-01 0 days 2,423 sqft
2019-09-01 0 days 2,277 sqft
2019-10-01 0 days 2,256 sqft
2019-11-01 0 days 2,460 sqft
2019-12-01 0 days 2,502 sqft
2020-01-01 0 days 2,640 sqft
2020-02-01 0 days 2,453 sqft
2020-03-01 0 days 2,457 sqft
2020-04-01 0 days 2,313 sqft
2020-05-01 0 days 2,124 sqft
2020-06-01 0 days 2,040 sqft
2020-07-01 0 days 2,040 sqft
2020-08-01 0 days 1,992 sqft
2020-09-01 0 days 1,992 sqft
2020-10-01 0 days 1,992 sqft
2020-11-01 0 days 2,032 sqft
2020-12-01 0 days 2,226 sqft
2021-01-01 0 days 2,962 sqft
2021-02-01 0 days 2,215 sqft
2021-03-01 0 days 2,102 sqft
2021-04-01 0 days 1,960 sqft
2021-05-01 0 days 2,226 sqft
2021-06-01 0 days 2,143 sqft
2021-07-01 0 days 1,957 sqft
2021-08-01 0 days 2,013 sqft
2021-09-01 0 days 2,065 sqft
2021-10-01 0 days 2,065 sqft
2021-11-01 0 days 2,097 sqft
2021-12-01 0 days 2,149 sqft
2022-01-01 0 days 2,272 sqft
2022-02-01 0 days 2,531 sqft
2022-03-01 0 days 2,694 sqft
2022-04-01 0 days 2,962 sqft
2022-05-01 0 days 2,800 sqft
2022-06-01 0 days 2,433 sqft
North Wilkesboro's median listing age (time on market) for 2022-06-01 was 0 days.

North Wilkesboro's median square footage for active listings during the 2022-06-01 period was 2,433 sqft. One year prior, the average listing was 2,143 sqft.