North Wilkesboro Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in North Wilkesboro averaged
6.89%
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
6.84% and
one month ago for the week of 2025-04-17, the
average rate was 6.76%.
North Wilkesboro's average rate one year ago was 7.25%.
For refis of the same type during the week of 2025-05-22, the average rate
was 7.46%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-05-22 | 6.86% |
| North Wilkesboro 30 Year Fixed Rate | 2025-05-22 | 6.89% |
| North Wilkesboro 30 Year Fixed Rate Refi | 2025-05-22 | 7.46% |
| North Wilkesboro 15 Year Fixed Rate | 2025-05-22 | 6.11% |
| North Wilkesboro 15 Year Fixed Rate Refi | 2025-05-22 | 6.51% |
| North Wilkesboro 30 Year FHA | 2025-05-22 | 6.76% |
| North Wilkesboro 30 Year FHA Refi | 2025-05-22 | 6.41% |
| North Wilkesboro 30 Year USDA | 2025-05-22 | 6.23% |
| North Wilkesboro 30 Year USDA Refi | 2025-05-22 | 6.33% |
| North Wilkesboro 30 Year VA | 2025-05-22 | 6.52% |
| North Wilkesboro 30 Year VA Refi | 2025-05-22 | 6.52% |
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.).
North Wilkesboro Average Closing Costs & Other Stats
North Wilkesboro, NC's 77 lenders originated 933
loans during 2024. The total origination value was $189,725,000, with an average loan value of
$203,349.
North Wilkesboro's average closing costs are $4,671.
The top North Wilkesboro lender as defined by loan originations is STATE EMPLOYEES', with
113 loans originated. Their average total fees are
$4,037, which is $2,322
lower than the next largest lender,
QUICKEN LOANS, LLC.
The lowest fee North Wilkesboro lenders (with over 10 loans originated) are
Truist ($3,833), STATE EMPLOYEES' ($4,037), Alcova Mortgage LLC ($4,159), FAIRWAY INDEPENDENT MORTGAGE CORPORATION ($5,569) and Wells Fargo Bank ($5,909).
The lowest rate North Wilkesboro lenders (with over 10 loans originated) are
STATE EMPLOYEES' (6.37%), Wells Fargo Bank (6.74%), Truist (6.80%), QUICKEN LOANS, LLC (6.80%) and FAIRWAY INDEPENDENT MORTGAGE CORPORATION (6.82%).
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 | 2023 Loan Value | 2024 Loan Value | % Change | 2024 Market Share |
|---|---|---|---|---|
| STATE EMPLOYEES' | $37,790,000 | $39,995,000 | 5.8% | 21.1% |
| QUICKEN LOANS, LLC | $12,660,000 | $11,950,000 | -5.6% | 6.3% |
| First Horizon Bank | $1,935,000 | $10,080,000 | 420.9% | 5.3% |
| Truist | $7,955,000 | $8,400,000 | 5.6% | 4.4% |
| First National Bank of Pennsylvania | $9,355,000 | $7,045,000 | -24.7% | 3.7% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | $3,850,000 | $6,595,000 | 71.3% | 3.5% |
| MOVEMENT MORTGAGE, LLC | $5,530,000 | $5,000,000 | -9.6% | 2.6% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $4,620,000 | $4,900,000 | 6.1% | 2.6% |
| UNITED WHOLESALE MORTGAGE, LLC | $5,975,000 | $4,640,000 | -22.3% | 2.4% |
| Alcova Mortgage LLC | $3,775,000 | $4,440,000 | 17.6% | 2.3% |
| Mortgage Research Center, LLC | $4,905,000 | $4,310,000 | -12.1% | 2.3% |
| First-Citizens Bank & Trust Company | $4,050,000 | $3,650,000 | -9.9% | 1.9% |
| CROSSCOUNTRY MORTGAGE, LLC | $1,465,000 | $3,205,000 | 118.8% | 1.7% |
| PENNYMAC LOAN SERVICES, LLC | $645,000 | $3,125,000 | 384.5% | 1.6% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | $1,485,000 | $3,060,000 | 106.1% | 1.6% |
| Wells Fargo Bank | $2,435,000 | $3,020,000 | 24.0% | 1.6% |
| FREEDOM MORTGAGE CORPORATION | $1,680,000 | $2,915,000 | 73.5% | 1.5% |
| LOCAL GOVERNMENT FEDERAL CREDIT UNION | $5,515,000 | $2,805,000 | -49.1% | 1.5% |
| NAVY FEDERAL CREDIT UNION | $1,675,000 | $2,010,000 | 20.0% | 1.1% |
| COASTAL Federal Credit Union | $225,000 | $1,840,000 | 717.8% | 1.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $2,520,000 | $1,765,000 | -30.0% | 0.9% |
| AgFirst Farm Credit Bank | $785,000 | $1,635,000 | 108.3% | 0.9% |
| CARDINAL FINANCIAL | $330,000 | $1,595,000 | 383.3% | 0.8% |
| AMERICAN FINANCIAL NETWORK, INC. | $1,545,000 | n/a | 0.8% | |
| Skyline National Bank | $2,195,000 | $1,455,000 | -33.7% | 0.8% |
| JPMorgan Chase Bank | $985,000 | $1,430,000 | 45.2% | 0.8% |
| New Peoples Bank, Inc. | $365,000 | $1,405,000 | 284.9% | 0.7% |
| GUILD MORTGAGE COMPANY | $195,000 | $1,325,000 | 579.5% | 0.7% |
| Summit Mortgage Corporation | $1,310,000 | n/a | 0.7% | |
| NBKC BANK | $1,280,000 | n/a | 0.7% | |
| GUARANTEED RATE, INC. | $1,315,000 | $1,265,000 | -3.8% | 0.7% |
| NEWREZ LLC | $215,000 | $1,265,000 | 488.4% | 0.7% |
| Ameris Bank | $500,000 | $1,205,000 | 141.0% | 0.6% |
| LOANDEPOT.COM, LLC | $720,000 | $1,185,000 | 64.6% | 0.6% |
| Mr. Cooper ( Nationstar Mortgage ) | $1,110,000 | $1,140,000 | 2.7% | 0.6% |
| LENDINGHOME FUNDING CORPORATION | $1,055,000 | n/a | 0.6% | |
| INTERCOASTAL MORTGAGE COMPANY | $5,990,000 | $1,040,000 | -82.6% | 0.5% |
| Piedmont Federal Savings Bank | $1,115,000 | $1,040,000 | -6.7% | 0.5% |
| USAA Federal Savings Bank | $1,010,000 | $980,000 | -3.0% | 0.5% |
| LENOX FINANCIAL MORTGAGE CORPORATION | $970,000 | n/a | 0.5% | |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | $965,000 | n/a | 0.5% | |
| Morgan Stanley Private Bank | $865,000 | n/a | 0.5% | |
| Bank of America | $150,000 | $855,000 | 470.0% | 0.5% |
| RESIDENTIAL BANCORP | $55,000 | $790,000 | 1,336.4% | 0.4% |
| Truliant Federal Credit Union | $535,000 | $770,000 | 43.9% | 0.4% |
| FOUNDERS FEDERAL CREDIT UNION | $85,000 | $765,000 | 800.0% | 0.4% |
| DIGITAL Federal Credit Union | $755,000 | n/a | 0.4% | |
| ALLIANT CREDIT UNION | $725,000 | n/a | 0.4% | |
| BROKER SOLUTIONS, INC. | $595,000 | $705,000 | 18.5% | 0.4% |
| First Community Bank | $350,000 | $705,000 | 101.4% | 0.4% |
| Towne Bank | $625,000 | n/a | 0.3% | |
| Atlantic Union Bank | $620,000 | n/a | 0.3% | |
| AMERICAN FINANCING CORPORATION | $535,000 | n/a | 0.3% | |
| 21ST MORTGAGE CORPORATION | $250,000 | $510,000 | 104.0% | 0.3% |
| Fifth Third Bank | $1,425,000 | $495,000 | -65.3% | 0.3% |
| TRIAD FINANCIAL SERVICES, INC. | $475,000 | n/a | 0.3% | |
| ALLEGACY FEDERAL CREDIT UNION | $25,000 | $470,000 | 1,780.0% | 0.2% |
| AMERISAVE MORTGAGE CORPORATION | $440,000 | $465,000 | 5.7% | 0.2% |
| PLANET HOME LENDING, LLC | $95,000 | $465,000 | 389.5% | 0.2% |
| AgSouth Farm Credit, ACA | $910,000 | $455,000 | -50.0% | 0.2% |
| The Federal Savings Bank | $325,000 | $455,000 | 40.0% | 0.2% |
| Renasant Bank | $440,000 | n/a | 0.2% | |
| FIRST HOME MORTGAGE CORPORATION | $400,000 | n/a | 0.2% | |
| LAKEVIEW LOAN SERVICING, LLC | $105,000 | $395,000 | 276.2% | 0.2% |
| NP, Inc. | $395,000 | n/a | 0.2% | |
| Meridian Bank Corporation | $375,000 | $385,000 | 2.7% | 0.2% |
| blueharbor bank | $375,000 | n/a | 0.2% | |
| ENVOY MORTGAGE, LTD | $370,000 | n/a | 0.2% | |
| Plains Commerce Bank | $365,000 | n/a | 0.2% | |
| MORTGAGE INVESTORS GROUP, INC. | $350,000 | n/a | 0.2% | |
| UNION HOME MORTGAGE CORP. | $1,000,000 | $350,000 | -65.0% | 0.2% |
| T2 FINANCIAL LLC | $1,130,000 | $340,000 | -69.9% | 0.2% |
| TD Bank | $1,970,000 | $340,000 | -82.7% | 0.2% |
| Lakeview Community Capital, LLC | $325,000 | n/a | 0.2% | |
| Mid-Continent Funding, Inc. | $325,000 | n/a | 0.2% | |
| AMERICAN FINANCIAL RESOURCES, INC. | $320,000 | n/a | 0.2% | |
| Carrington Mortgage Services, LLC | $365,000 | $320,000 | -12.3% | 0.2% |
| TOWNE MORTGAGE COMPANY | $320,000 | n/a | 0.2% | |
| VILLAGE CAPITAL MORTGAGE | $315,000 | n/a | 0.2% | |
| Summit Credit Union | $310,000 | n/a | 0.2% | |
| Discover Bank | $65,000 | $305,000 | 369.2% | 0.2% |
| First Bank | $275,000 | n/a | 0.1% | |
| AmeriHome Mortgage Company, LLC | $265,000 | n/a | 0.1% | |
| Flagstar Bank, FSB | $35,000 | $265,000 | 657.1% | 0.1% |
| Nations Lending Corporation | $260,000 | n/a | 0.1% | |
| Armed Forces Bank | $255,000 | n/a | 0.1% | |
| AXIA FINANCIAL, LLC | $255,000 | n/a | 0.1% | |
| CAPITAL CENTER, L.L.C. | $255,000 | n/a | 0.1% | |
| POINT Mortgage | $255,000 | n/a | 0.1% | |
| GoPrime Mortgage, Inc. | $560,000 | $245,000 | -56.3% | 0.1% |
| Ixonia Bank | $245,000 | n/a | 0.1% | |
| NEW DAY FINANCIAL, LLC | $315,000 | $245,000 | -22.2% | 0.1% |
| HomeTrust Bank | $235,000 | n/a | 0.1% | |
| VERITAS FUNDING, LLC | $215,000 | $235,000 | 9.3% | 0.1% |
| CALCON MUTUAL MORTGAGE LLC | $225,000 | n/a | 0.1% | |
| CMG MORTGAGE, INC. | $175,000 | $215,000 | 22.9% | 0.1% |
| HOWARD HANNA FINANCIAL SERVICES, INC. | $205,000 | n/a | 0.1% | |
| American Security Mortgage Corp. | $195,000 | n/a | 0.1% | |
| BETTER MORTGAGE CORPORATION | $195,000 | n/a | 0.1% | |
| Prosperity Home Mortgage, LLC | $620,000 | $195,000 | -68.5% | 0.1% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | $185,000 | $195,000 | 5.4% | 0.1% |
| TOP FLITE FINANCIAL, INC. | $220,000 | $195,000 | -11.4% | 0.1% |
| EMM LOANS LLC | $230,000 | $185,000 | -19.6% | 0.1% |
| SECURITYNATIONAL MORTGAGE COMPANY | $180,000 | n/a | 0.1% | |
| SHARONVIEW FEDERAL CREDIT UNION | $180,000 | n/a | 0.1% | |
| LATINO COMMUNITY CREDIT UNION | $565,000 | $175,000 | -69.0% | 0.1% |
| ZILLOW HOME LOANS, LLC | $355,000 | $175,000 | -50.7% | 0.1% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $285,000 | $170,000 | -40.4% | 0.1% |
| Century Mortgage Company DBA Century Lending Company | $155,000 | n/a | 0.1% | |
| Deere Employees Credit Union | $55,000 | $155,000 | 181.8% | 0.1% |
| First Federal Savings and Loan Association of Lakewood | $155,000 | n/a | 0.1% | |
| PLAZA HOME MORTGAGE, INC. | $155,000 | n/a | 0.1% | |
| STOCKTON MORTGAGE CORPORATION | $155,000 | n/a | 0.1% | |
| COUNTRYPLACE MORTGAGE, LTD. | $370,000 | $145,000 | -60.8% | 0.1% |
| United Community Bank | $75,000 | $145,000 | 93.3% | 0.1% |
| Barrington Bank & Trust Company, N.A. | $125,000 | $125,000 | 0.0% | 0.1% |
| DOMINION FINANCIAL SERVICES, LLC | $125,000 | n/a | 0.1% | |
| LOANPAL, LLC | $125,000 | n/a | 0.1% | |
| Pinnacle Bank | $125,000 | n/a | 0.1% | |
| Coastal Community Bank | $115,000 | n/a | 0.1% | |
| Citizens Bank | $35,000 | $105,000 | 200.0% | 0.1% |
| LONGBRIDGE FINANCIAL, LLC | $95,000 | n/a | 0.1% | |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $415,000 | $85,000 | -79.5% | 0.0% |
| Peoples Bank | $1,215,000 | $75,000 | -93.8% | 0.0% |
| First Reliance Bank | $305,000 | $65,000 | -78.7% | 0.0% |
| QUORUM FEDERAL CREDIT UNION | $65,000 | n/a | 0.0% | |
| TOWER | $65,000 | n/a | 0.0% | |
| Telco Community Credit Union | $55,000 | n/a | 0.0% | |
| Figure Lending LLC | $25,000 | $25,000 | 0.0% | 0.0% |
| PNC Bank | $55,000 | $25,000 | -54.5% | 0.0% |
| Third Federal Savings and Loan Association of Cleveland | $105,000 | $25,000 | -76.2% | 0.0% |
North Wilkesboro's top lender by overall market share is STATE EMPLOYEES', with 21.1% market share. In second place, with 6.3%, is QUICKEN LOANS, LLC, having originated $11,950,000 in loans. In third place, with 5.3%, is First Horizon Bank, having originated $10,080,000 in loans. In fourth place, with 4.4%, is Truist, having originated $8,400,000 in loans. In fifth place, with 3.7%, is First National Bank of Pennsylvania, having originated $7,045,000 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 | $230,175 (5.5%) | $331,965 (4.5%) | 0.00 | 216 |
| 2018-02-01 | $229,000 (6.2%) | $329,462 (4.4%) | 0.00 | 221 |
| 2018-03-01 | $229,900 (4.0%) | $320,161 (0.3%) | 0.00 | 221 |
| 2018-04-01 | $227,750 (1.2%) | $319,302 (-2.5%) | 0.00 | 222 |
| 2018-05-01 | $249,000 (16.0%) | $336,036 (5.7%) | 0.00 | 229 |
| 2018-06-01 | $249,950 (26.1%) | $356,771 (15.4%) | 0.00 | 241 |
| 2018-07-01 | $229,700 (14.9%) | $321,902 (3.3%) | 0.00 | 265 |
| 2018-08-01 | $219,900 (-3.6%) | $300,279 (-4.2%) | 0.00 | 281 |
| 2018-09-01 | $229,000 (0.0%) | $310,329 (-2.0%) | 0.00 | 276 |
| 2018-10-01 | $227,375 (-4.9%) | $307,626 (-3.9%) | 0.00 | 271 |
| 2018-11-01 | $209,450 (-10.9%) | $305,083 (-5.1%) | 0.00 | 256 |
| 2018-12-01 | $199,900 (-14.9%) | $303,165 (-8.0%) | 0.00 | 254 |
| 2019-01-01 | $194,575 (-15.5%) | $291,049 (-12.3%) | 0.00 | 243 |
| 2019-02-01 | $212,450 (-7.2%) | $314,892 (-4.4%) | 0.00 | 228 |
| 2019-03-01 | $232,786 (1.3%) | $337,834 (5.5%) | 0.00 | 220 |
| 2019-04-01 | $249,800 (9.7%) | $364,153 (14.1%) | 0.00 | 218 |
| 2019-05-01 | $249,900 (0.4%) | $358,440 (6.7%) | 0.00 | 222 |
| 2019-06-01 | $255,450 (2.2%) | $360,506 (1.1%) | 0.00 | 237 |
| 2019-07-01 | $249,950 (8.8%) | $345,908 (7.5%) | 0.00 | 243 |
| 2019-08-01 | $249,936 (13.7%) | $346,544 (15.4%) | 0.00 | 242 |
| 2019-09-01 | $249,916 (9.1%) | $350,234 (12.9%) | 0.00 | 238 |
| 2019-10-01 | $252,452 (11.0%) | $359,624 (16.9%) | 0.00 | 227 |
| 2019-11-01 | $257,000 (22.7%) | $373,178 (22.3%) | 0.00 | 207 |
| 2019-12-01 | $255,725 (27.9%) | $372,316 (22.8%) | 0.00 | 183 |
| 2020-01-01 | $249,225 (28.1%) | $359,256 (23.4%) | 0.00 | 170 |
| 2020-02-01 | $249,000 (17.2%) | $351,821 (11.7%) | 0.00 | 163 |
| 2020-03-01 | $287,175 (23.4%) | $384,494 (13.8%) | 0.00 | 146 |
| 2020-04-01 | $299,000 (19.7%) | $391,937 (7.6%) | 0.00 | 152 |
| 2020-05-01 | $323,200 (29.3%) | $401,999 (12.2%) | 0.00 | 131 |
| 2020-06-01 | $349,450 (36.8%) | $425,487 (18.0%) | 0.00 | 124 |
| 2020-07-01 | $349,900 (40.0%) | $477,836 (38.1%) | 0.00 | 117 |
| 2020-08-01 | $379,450 (51.8%) | $497,573 (43.6%) | 0.00 | 96 |
| 2020-09-01 | $361,950 (44.8%) | $474,218 (35.4%) | 0.00 | 96 |
| 2020-10-01 | $334,900 (32.7%) | $450,442 (25.3%) | 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 | 72 |
| 2021-01-01 | $384,900 (54.4%) | $486,179 (35.3%) | 0.00 | 63 |
| 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 (-19.0%) | $462,220 (-2.5%) | 0.00 | 72 |
| 2021-10-01 | $288,800 (-13.8%) | $459,750 (2.1%) | 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 (-27.4%) | $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%) | $1,043,739 (96.1%) | 0.00 | 72 |
| 2023-06-01 | $353,725 (-6.3%) | $1,622,667 (210.9%) | 0.00 | 75 |
| 2023-07-01 | $380,000 (10.1%) | $1,553,502 (250.7%) | 0.00 | 85 |
| 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 |
| 2023-11-01 | $380,000 (10.5%) | $1,603,022 (207.9%) | 0.00 | 82 |
| 2023-12-01 | $380,000 (27.0%) | $1,670,868 (230.4%) | 0.00 | 79 |
| 2024-01-01 | $356,200 (4.6%) | $1,663,915 (253.8%) | 0.00 | 79 |
| 2024-02-01 | $378,500 (8.2%) | $1,698,515 (275.4%) | 0.00 | 76 |
| 2024-03-01 | $374,500 (20.3%) | $1,664,598 (286.6%) | 0.00 | 74 |
| 2024-04-01 | $350,000 (0.3%) | $515,265 (15.3%) | 0.00 | 74 |
| 2024-05-01 | $399,450 (5.1%) | $589,304 (-43.5%) | 0.00 | 82 |
| 2024-06-01 | $409,900 (15.9%) | $588,165 (-63.8%) | 0.00 | 97 |
| 2024-07-01 | $419,925 (10.5%) | $608,270 (-60.9%) | 0.00 | 110 |
| 2024-08-01 | $389,900 (6.9%) | $602,131 (-58.9%) | 0.00 | 115 |
| 2024-09-01 | $412,400 (8.5%) | $632,289 (-60.5%) | 0.00 | 119 |
| 2024-10-01 | $399,200 (0.7%) | $610,820 (-60.4%) | 0.00 | 125 |
| 2024-11-01 | $375,000 (-1.3%) | $579,301 (-63.9%) | 0.00 | 132 |
| 2024-12-01 | $353,725 (-6.9%) | $569,367 (-65.9%) | 0.00 | 126 |
| 2025-01-01 | $349,950 (-1.8%) | $577,798 (-65.3%) | 0.00 | 121 |
| 2025-02-01 | $349,900 (-7.6%) | $595,651 (-64.9%) | 0.00 | 111 |
| 2025-03-01 | $339,900 (-9.2%) | $572,468 (-65.6%) | 0.00 | 104 |
| 2025-04-01 | $363,700 (3.9%) | $552,048 (7.1%) | 0.00 | 114 |
North Wilkesboro's median listing price comes in at 0% of the national average.
North Wilkesboro's average listing price for 2025-04-01 was $552,048, a difference of $36,783 (7.1%) versus the prior year and $-20,420 versus the prior month.
For the 2025-04-01 period, North Wilkesboro had 114 MLS listings, a difference of 10 listings (10%) versus the prior month and 40 listings (54%) 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 | 1,876 sqft |
| 2018-02-01 | 0 days | 1,968 sqft |
| 2018-03-01 | 0 days | 1,953 sqft |
| 2018-04-01 | 0 days | 1,975 sqft |
| 2018-05-01 | 0 days | 2,067 sqft |
| 2018-06-01 | 0 days | 2,154 sqft |
| 2018-07-01 | 0 days | 2,148 sqft |
| 2018-08-01 | 0 days | 2,170 sqft |
| 2018-09-01 | 0 days | 2,142 sqft |
| 2018-10-01 | 0 days | 2,156 sqft |
| 2018-11-01 | 0 days | 2,092 sqft |
| 2018-12-01 | 0 days | 2,142 sqft |
| 2019-01-01 | 0 days | 2,041 sqft |
| 2019-02-01 | 0 days | 2,114 sqft |
| 2019-03-01 | 0 days | 2,071 sqft |
| 2019-04-01 | 0 days | 2,008 sqft |
| 2019-05-01 | 0 days | 2,024 sqft |
| 2019-06-01 | 0 days | 2,024 sqft |
| 2019-07-01 | 0 days | 2,019 sqft |
| 2019-08-01 | 0 days | 1,987 sqft |
| 2019-09-01 | 0 days | 1,975 sqft |
| 2019-10-01 | 0 days | 2,000 sqft |
| 2019-11-01 | 0 days | 2,109 sqft |
| 2019-12-01 | 0 days | 2,184 sqft |
| 2020-01-01 | 0 days | 2,060 sqft |
| 2020-02-01 | 0 days | 2,060 sqft |
| 2020-03-01 | 0 days | 2,203 sqft |
| 2020-04-01 | 0 days | 2,194 sqft |
| 2020-05-01 | 0 days | 2,104 sqft |
| 2020-06-01 | 0 days | 2,120 sqft |
| 2020-07-01 | 0 days | 2,091 sqft |
| 2020-08-01 | 0 days | 2,063 sqft |
| 2020-09-01 | 0 days | 2,040 sqft |
| 2020-10-01 | 0 days | 1,951 sqft |
| 2020-11-01 | 0 days | 1,989 sqft |
| 2020-12-01 | 0 days | 2,088 sqft |
| 2021-01-01 | 0 days | 2,206 sqft |
| 2021-02-01 | 0 days | 1,939 sqft |
| 2021-03-01 | 0 days | 1,903 sqft |
| 2021-04-01 | 0 days | 1,681 sqft |
| 2021-05-01 | 0 days | 1,584 sqft |
| 2021-06-01 | 0 days | 1,687 sqft |
| 2021-07-01 | 0 days | 1,695 sqft |
| 2021-08-01 | 0 days | 1,781 sqft |
| 2021-09-01 | 0 days | 1,779 sqft |
| 2021-10-01 | 0 days | 1,800 sqft |
| 2021-11-01 | 0 days | 1,796 sqft |
| 2021-12-01 | 0 days | 1,797 sqft |
| 2022-01-01 | 0 days | 1,982 sqft |
| 2022-02-01 | 0 days | 1,882 sqft |
| 2022-03-01 | 0 days | 1,830 sqft |
| 2022-04-01 | 0 days | 1,898 sqft |
| 2022-05-01 | 0 days | 2,002 sqft |
| 2022-06-01 | 0 days | 2,033 sqft |
| 2022-07-01 | 0 days | 1,826 sqft |
| 2022-08-01 | 0 days | 2,017 sqft |
| 2022-09-01 | 0 days | 1,854 sqft |
| 2022-10-01 | 0 days | 1,892 sqft |
| 2022-11-01 | 0 days | 1,972 sqft |
| 2022-12-01 | 0 days | 1,869 sqft |
| 2023-01-01 | 0 days | 1,786 sqft |
| 2023-02-01 | 0 days | 1,888 sqft |
| 2023-03-01 | 0 days | 1,768 sqft |
| 2023-04-01 | 0 days | 1,944 sqft |
| 2023-05-01 | 0 days | 2,005 sqft |
| 2023-06-01 | 0 days | 1,873 sqft |
| 2023-07-01 | 0 days | 2,005 sqft |
| 2023-08-01 | 0 days | 2,005 sqft |
| 2023-09-01 | 0 days | 2,005 sqft |
| 2023-10-01 | 0 days | 2,005 sqft |
| 2023-11-01 | 0 days | 2,005 sqft |
| 2023-12-01 | 0 days | 1,963 sqft |
| 2024-01-01 | 0 days | 2,005 sqft |
| 2024-02-01 | 0 days | 2,093 sqft |
| 2024-03-01 | 0 days | 2,005 sqft |
| 2024-04-01 | 0 days | 1,987 sqft |
| 2024-05-01 | 0 days | 2,299 sqft |
| 2024-06-01 | 0 days | 2,019 sqft |
| 2024-07-01 | 0 days | 1,800 sqft |
| 2024-08-01 | 0 days | 1,847 sqft |
| 2024-09-01 | 0 days | 2,022 sqft |
| 2024-10-01 | 0 days | 2,066 sqft |
| 2024-11-01 | 0 days | 2,076 sqft |
| 2024-12-01 | 0 days | 2,113 sqft |
| 2025-01-01 | 0 days | 2,199 sqft |
| 2025-02-01 | 0 days | 2,133 sqft |
| 2025-03-01 | 0 days | 1,959 sqft |
| 2025-04-01 | 0 days | 1,856 sqft |
North Wilkesboro's median square footage for active listings during the 2025-04-01 period was 1,856 sqft. One year prior, the average listing was 1,987 sqft.
North Wilkesboro, NC Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 472 | $123,020,000 | $260,636 |
| Refi | 148 | $27,110,000 | $183,176 |
| Cash Out Refi | 116 | $22,680,000 | $195,517 |
| Other | 113 | $9,575,000 | $84,735 |
| Home Improvement | 84 | $7,340,000 | $87,381 |
North Wilkesboro's most frequently cited loan purpose was Home Purchase, with 472 originations. The 2nd most popular reason was Refi, with 148 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 386 | $91,100,000 | $236,010 |
| 7-8% | 250 | $48,140,000 | $192,560 |
| 5-6% | 145 | $34,085,000 | $235,069 |
| Over 8% | 117 | $12,935,000 | $110,556 |
| <2.5% | 14 | $200,000 | $14,286 |
| 4-5% | 6 | $1,470,000 | $245,000 |
During 2024, North Wilkesboro's most frequently originated rate bucket was 6-7%, with 386 originations.
Loan Sizing (North Wilkesboro, NC MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $100k-200k | 307 | $45,055,000 | $146,759 |
| $200k-400k | 298 | $80,130,000 | $268,893 |
| $100,000 or less | 250 | $14,240,000 | $56,960 |
| $400k-600k | 57 | $26,965,000 | $473,070 |
| $600k-1000k | 17 | $12,635,000 | $743,235 |
| $Over $1MM | 4 | $10,700,000 | $2,675,000 |
North Wilkesboro's loan sizing saw the bucket of loans from $100k-200k with 307 originations, totaling $45,055,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 357 | $93,305,000 | $261,359 |
| 60-80% | 167 | $49,405,000 | $295,838 |
| 20-40% | 141 | $14,405,000 | $102,163 |
| Under 20% | 124 | $5,790,000 | $46,694 |
| 40-60% | 101 | $17,515,000 | $173,416 |
| Over 100% | 20 | $5,030,000 | $251,500 |
North Wilkesboro's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 357 originations, totaling $93,305,000 in origination value.