North Wilkesboro Mortgage Rates & Closing Costs

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.