North Wilkesboro Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in North Wilkesboro averaged
6.96%
for the week of 2023-03-16, compared to the national average of
6.6% for the same period.
The average rate for the prior week (2023-03-09) was
6.99% and
one month ago for the week of 2023-02-09, the
average rate was 6.48%.
North Wilkesboro's average rate one year ago was 4.21%.
For refis of the same type during the week of 2023-03-16, the average rate
was 6.91%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2023-03-16 | 6.6% |
| North Wilkesboro 30 Year Fixed Rate | 2023-03-16 | 6.96% |
| North Wilkesboro 30 Year Fixed Rate Refi | 2023-03-16 | 6.91% |
| North Wilkesboro 15 Year Fixed Rate | 2023-03-16 | 6.4% |
| North Wilkesboro 15 Year Fixed Rate Refi | 2023-03-16 | 6.25% |
| North Wilkesboro 30 Year FHA | 2023-03-16 | 6.78% |
| North Wilkesboro 30 Year FHA Refi | 2023-03-16 | 6.34% |
| North Wilkesboro 30 Year USDA | 2023-03-16 | 6.34% |
| North Wilkesboro 30 Year USDA Refi | 2023-03-16 | 5.95% |
| North Wilkesboro 30 Year VA | 2023-03-16 | 6.65% |
| North Wilkesboro 30 Year VA Refi | 2023-03-16 | 5.89% |
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 109 lenders originated 1,856
loans during 2021. The total origination value was $321,690,000, with an average loan value of
$173,324.
North Wilkesboro's average closing costs are $3,948.
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 (3.02%), MOVEMENT MORTGAGE, LLC (3.07%), QUICKEN LOANS, LLC (3.14%) and Wells Fargo Bank (3.14%).
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 | 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 fourth place, with 4.6%, is First National Bank of Pennsylvania, having originated $14,680,000 in loans. In fifth place, with 4.2%, is Alcova Mortgage LLC, having originated $13,475,000 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 |
North Wilkesboro's median listing price comes in at 0% of the national average.
North Wilkesboro's average listing price for 2023-02-01 was $452,499, a difference of $-41,809 (-8.5%) versus the prior year and $-17,767 versus the prior month.
For the 2023-02-01 period, North Wilkesboro had 50 MLS listings, a difference of 1 listings (2%) versus the prior month and 4 listings (9%) 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 | 1,893 sqft |
| 2018-02-01 | 0 days | 1,970 sqft |
| 2018-03-01 | 0 days | 1,957 sqft |
| 2018-04-01 | 0 days | 1,982 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 | 2,132 sqft |
| 2019-04-01 | 0 days | 2,146 sqft |
| 2019-05-01 | 0 days | 2,122 sqft |
| 2019-06-01 | 0 days | 2,175 sqft |
| 2019-07-01 | 0 days | 2,330 sqft |
| 2019-08-01 | 0 days | 2,215 sqft |
| 2019-09-01 | 0 days | 2,181 sqft |
| 2019-10-01 | 0 days | 2,159 sqft |
| 2019-11-01 | 0 days | 2,276 sqft |
| 2019-12-01 | 0 days | 2,487 sqft |
| 2020-01-01 | 0 days | 2,418 sqft |
| 2020-02-01 | 0 days | 2,364 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 | 2,138 sqft |
| 2020-07-01 | 0 days | 2,132 sqft |
| 2020-08-01 | 0 days | 2,056 sqft |
| 2020-09-01 | 0 days | 2,059 sqft |
| 2020-10-01 | 0 days | 2,032 sqft |
| 2020-11-01 | 0 days | 2,201 sqft |
| 2020-12-01 | 0 days | 2,579 sqft |
| 2021-01-01 | 0 days | 2,696 sqft |
| 2021-02-01 | 0 days | 2,091 sqft |
| 2021-03-01 | 0 days | 2,140 sqft |
| 2021-04-01 | 0 days | 2,093 sqft |
| 2021-05-01 | 0 days | 1,960 sqft |
| 2021-06-01 | 0 days | 1,907 sqft |
| 2021-07-01 | 0 days | 1,684 sqft |
| 2021-08-01 | 0 days | 1,960 sqft |
| 2021-09-01 | 0 days | 2,023 sqft |
| 2021-10-01 | 0 days | 2,000 sqft |
| 2021-11-01 | 0 days | 2,113 sqft |
| 2021-12-01 | 0 days | 2,149 sqft |
| 2022-01-01 | 0 days | 2,320 sqft |
| 2022-02-01 | 0 days | 2,416 sqft |
| 2022-03-01 | 0 days | 2,319 sqft |
| 2022-04-01 | 0 days | 2,647 sqft |
| 2022-05-01 | 0 days | 2,416 sqft |
| 2022-06-01 | 0 days | 2,373 sqft |
| 2022-07-01 | 0 days | 2,305 sqft |
| 2022-08-01 | 0 days | 2,037 sqft |
| 2022-09-01 | 0 days | 1,883 sqft |
| 2022-10-01 | 0 days | 1,987 sqft |
| 2022-11-01 | 0 days | 2,244 sqft |
| 2022-12-01 | 0 days | 1,880 sqft |
| 2023-01-01 | 0 days | 1,738 sqft |
| 2023-02-01 | 0 days | 1,780 sqft |
North Wilkesboro's median square footage for active listings during the 2023-02-01 period was 1,780 sqft. One year prior, the average listing was 2,416 sqft.
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.