North Wilkesboro Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in North Wilkesboro averaged
6.94%
for the week of 2025-06-18, compared to the national average of
6.81% for the same period.
The average rate for the prior week (2025-06-12) was
6.87% and
one month ago for the week of 2025-05-15, the
average rate was 6.64%.
North Wilkesboro's average rate one year ago was 7.18%.
For refis of the same type during the week of 2025-06-18, the average rate
was 7.31%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-06-18 | 6.81% |
| North Wilkesboro 30 Year Fixed Rate | 2025-06-18 | 6.94% |
| North Wilkesboro 30 Year Fixed Rate Refi | 2025-06-18 | 7.31% |
| North Wilkesboro 15 Year Fixed Rate | 2025-06-18 | 6.06% |
| North Wilkesboro 15 Year Fixed Rate Refi | 2025-06-18 | 6.26% |
| North Wilkesboro 30 Year FHA | 2025-06-18 | 0.45% |
| North Wilkesboro 30 Year FHA Refi | 2025-06-18 | -0.2% |
| North Wilkesboro 30 Year USDA | 2025-06-18 | 0% |
| North Wilkesboro 30 Year USDA Refi | 2025-06-18 | -0.2% |
| North Wilkesboro 30 Year VA | 2025-06-18 | 0.2% |
| North Wilkesboro 30 Year VA Refi | 2025-06-18 | -0.1% |
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, 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.