North Wilkesboro Mortgage Rates & Closing Costs

  • JUMP TO:
  • Trends
  • Rates vs. Fees
  • Top Lenders
  • Market Share
  • Market Conditions & Pricing
  • Time on Market/Property Size
  • Loan Attributes
    • 30yr Fixed Rate 15yr Fixed Rate FHA USDA VA 5/1 ARM

    30 Year Fixed Rate mortgages in North Wilkesboro averaged 6.59% for the week of 2024-04-18, compared to the national average of 7.1% for the same period.

    The average rate for the prior week (2024-04-11) was 6.37% and one month ago for the week of 2024-03-14, the average rate was 6.63%.

    North Wilkesboro's average rate one year ago was 5.86%.

    For refis of the same type during the week of 2024-04-18, the average rate was 7.3%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2024-04-18 7.1%
    North Wilkesboro 30 Year Fixed Rate 2024-04-18 6.59%
    North Wilkesboro 30 Year Fixed Rate Refi 2024-04-18 7.3%
    North Wilkesboro 15 Year Fixed Rate 2024-04-18 6.39%
    North Wilkesboro 15 Year Fixed Rate Refi 2024-04-18 6.29%
    North Wilkesboro 30 Year FHA 2024-04-18 6.96%
    North Wilkesboro 30 Year FHA Refi 2024-04-18 6.76%
    North Wilkesboro 30 Year USDA 2024-04-18 6.96%
    North Wilkesboro 30 Year USDA Refi 2024-04-18 6.66%
    North Wilkesboro 30 Year VA 2024-04-18 6.86%
    North Wilkesboro 30 Year VA Refi 2024-04-18 6.86%
    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 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    STATE EMPLOYEES' 114 5.99% $3,899
    QUICKEN LOANS, LLC 35 6.77% $6,237
    LOCAL GOVERNMENT FEDERAL CREDIT UNION 15 6.22% $3,440
    INTERCOASTAL MORTGAGE COMPANY 15 6.71% $6,409
    Truist 14 6.43% $4,242
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 14 6.92% $5,371
    UNITED WHOLESALE MORTGAGE, LLC 11 6.72% $7,044
    Wells Fargo Bank 10 6.43% $6,136
    Alcova Mortgage LLC 9 6.76% $3,441
    VANDERBILT MORTGAGE AND FINANCE, INC. 7 7.93% $7,153
    First National Bank of Pennsylvania 5 6.80% $3,398
    Piedmont Federal Savings Bank 5 5.73% $2,963
    MOVEMENT MORTGAGE, LLC 5 7.06% $6,283
    ATLANTIC BAY MORTGAGE GROUP, L.L.C. 5 6.92% $6,991
    HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 4 7.12% $5,907
    JPMorgan Chase Bank 4 6.78% $5,441
    LATINO COMMUNITY CREDIT UNION 3 7.33% $4,050
    LOANDEPOT.COM, LLC 3 7.50% $3,594
    Mortgage Research Center, LLC 3 6.92% $7,174
    Mr. Cooper ( Nationstar Mortgage ) 3 6.46% $5,546
    Fifth Third Bank 3 6.21% $3,571
    NAVY FEDERAL CREDIT UNION 3 6.54% $6,791
    First-Citizens Bank & Trust Company 3 6.41% $5,010
    First Horizon Bank 3 7.00% $4,837
    ACADEMY MORTGAGE CORPORATION 3 6.79% $6,526
    CROSSCOUNTRY MORTGAGE, LLC 3 7.04% $7,487
    U.S. Bank 2 6.75% $1,915
    DRAPER AND KRAMER MORTGAGE CORP. 2 7.50% $12,371
    TD Bank 2 6.69% $6,363
    Strong Home Mortgage, LLC 2 6.06% $11,003
    GoPrime Mortgage, Inc. 2 6.87% $8,313
    ZILLOW HOME LOANS, LLC 1 7.63% $5,407
    AgFirst Farm Credit Bank 1 6.63% $3,345
    AgSouth Farm Credit, ACA 1 8.25% $7,736
    Ameris Bank 1 8.63% $6,595
    Atlantic Coast Mortgage, LLC 1 5.63% $4,578
    Bank of America 1 5.88% $4,098
    Bank of England 1 7.88% $5,194
    BROKER SOLUTIONS, INC. 1 7.50% $4,740
    COASTAL Federal Credit Union 1 7.25% $4,320
    EMM LOANS LLC 1 7.88% $3,639
    EXCITE Credit Union 1 7.63% $3,534
    First Reliance Bank 1 6.75% $7,010
    GMFS LLC 1 8.13% $13,988
    GUARANTEED RATE, INC. 1 6.25% $10,427
    GUILD MORTGAGE COMPANY 1 7.13% $5,815
    Heritage Bank 1 6.13% $4,032
    HOMESIDE FINANCIAL, LLC 1 7.63% $1,727
    MUTUAL OF OMAHA MORTGAGE, INC. 1 5.88% $7,103
    NFM, INC. 1 7.00% $4,795
    Northpointe Bank 1 8.75% $6,306
    OCMBC, INC. 1 8.75% $7,082
    Prosperity Home Mortgage, LLC 1 6.88% $3,418
    RBC Bank, (Georgia) 1 5.88% $2,315
    ROYAL UNITED MORTGAGE LLC 1 6.63% $8,337
    Truliant Federal Credit Union 1 7.13% $4,576
    USAA Federal Savings Bank 1 6.50% $4,725
    21ST MORTGAGE CORPORATION 1 8.40% $5,931

    North Wilkesboro Average Closing Costs & Other Stats

    North Wilkesboro, NC's 58 lenders originated 1,002 loans during 2023. The total origination value was $170,030,000, with an average loan value of $169,691.

    North Wilkesboro's average closing costs are $4,488.

    The top North Wilkesboro lender as defined by loan originations is STATE EMPLOYEES', with 114 loans originated. Their average total fees are $3,899, which is $2,338 lower than the next largest lender, QUICKEN LOANS, LLC.

    The lowest fee North Wilkesboro lenders (with over 10 loans originated) are LOCAL GOVERNMENT FEDERAL CREDIT UNION ($3,440), STATE EMPLOYEES' ($3,899), Truist ($4,242), FAIRWAY INDEPENDENT MORTGAGE CORPORATION ($5,371) and Wells Fargo Bank ($6,136).

    The lowest rate North Wilkesboro lenders (with over 10 loans originated) are STATE EMPLOYEES' (5.99%), LOCAL GOVERNMENT FEDERAL CREDIT UNION (6.22%), Wells Fargo Bank (6.43%), Truist (6.43%) and INTERCOASTAL MORTGAGE COMPANY (6.71%).

    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 2022 Loan Value 2023 Loan Value % Change 2023 Market Share
    STATE EMPLOYEES' $41,620,000 $37,790,000 -9.2% 22.2%
    QUICKEN LOANS, LLC $12,200,000 $12,660,000 3.8% 7.4%
    First National Bank of Pennsylvania $14,395,000 $9,355,000 -35.0% 5.5%
    Truist $10,395,000 $7,955,000 -23.5% 4.7%
    INTERCOASTAL MORTGAGE COMPANY $2,905,000 $5,990,000 106.2% 3.5%
    UNITED WHOLESALE MORTGAGE, LLC $4,045,000 $5,975,000 47.7% 3.5%
    MOVEMENT MORTGAGE, LLC $7,495,000 $5,530,000 -26.2% 3.3%
    LOCAL GOVERNMENT FEDERAL CREDIT UNION $9,035,000 $5,515,000 -39.0% 3.2%
    Mortgage Research Center, LLC $3,355,000 $4,905,000 46.2% 2.9%
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION $4,550,000 $4,620,000 1.5% 2.7%
    First-Citizens Bank & Trust Company $6,935,000 $4,050,000 -41.6% 2.4%
    ATLANTIC BAY MORTGAGE GROUP, L.L.C. $5,795,000 $3,850,000 -33.6% 2.3%
    Alcova Mortgage LLC $6,810,000 $3,775,000 -44.6% 2.2%
    VANDERBILT MORTGAGE AND FINANCE, INC. $2,385,000 $2,520,000 5.7% 1.5%
    Wells Fargo Bank $5,660,000 $2,435,000 -57.0% 1.4%
    Skyline National Bank $4,515,000 $2,195,000 -51.4% 1.3%
    TD Bank $165,000 $1,970,000 1,093.9% 1.2%
    First Horizon Bank $2,220,000 $1,935,000 -12.8% 1.1%
    FREEDOM MORTGAGE CORPORATION $755,000 $1,680,000 122.5% 1.0%
    NAVY FEDERAL CREDIT UNION $1,300,000 $1,675,000 28.8% 1.0%
    ACADEMY MORTGAGE CORPORATION $1,560,000 n/a 0.9%
    HIGHLANDS RESIDENTIAL MORTGAGE, LTD. $1,485,000 n/a 0.9%
    CROSSCOUNTRY MORTGAGE, LLC $1,425,000 $1,465,000 2.8% 0.9%
    Fifth Third Bank $965,000 $1,425,000 47.7% 0.8%
    GUARANTEED RATE, INC. $470,000 $1,315,000 179.8% 0.8%
    Peoples Bank $135,000 $1,215,000 800.0% 0.7%
    U.S. Bank $415,000 $1,140,000 174.7% 0.7%
    T2 FINANCIAL LLC $795,000 $1,130,000 42.1% 0.7%
    Piedmont Federal Savings Bank $3,510,000 $1,115,000 -68.2% 0.7%
    Mr. Cooper ( Nationstar Mortgage ) $2,135,000 $1,110,000 -48.0% 0.7%
    USAA Federal Savings Bank $765,000 $1,010,000 32.0% 0.6%
    UNION HOME MORTGAGE CORP. $1,000,000 n/a 0.6%
    JPMorgan Chase Bank $2,650,000 $985,000 -62.8% 0.6%
    DRAPER AND KRAMER MORTGAGE CORP. $960,000 n/a 0.6%
    AgSouth Farm Credit, ACA $910,000 n/a 0.5%
    AgFirst Farm Credit Bank $2,235,000 $785,000 -64.9% 0.5%
    LOANDEPOT.COM, LLC $2,930,000 $720,000 -75.4% 0.4%
    Heritage Bank $675,000 n/a 0.4%
    PENNYMAC LOAN SERVICES, LLC $910,000 $645,000 -29.1% 0.4%
    FINANCE OF AMERICA REVERSE LLC $625,000 n/a 0.4%
    Prosperity Home Mortgage, LLC $620,000 n/a 0.4%
    BROKER SOLUTIONS, INC. $435,000 $595,000 36.8% 0.3%
    LATINO COMMUNITY CREDIT UNION $240,000 $565,000 135.4% 0.3%
    GoPrime Mortgage, Inc. $535,000 $560,000 4.7% 0.3%
    Taylorsville Savings Bank SSB $205,000 $550,000 168.3% 0.3%
    Truliant Federal Credit Union $1,010,000 $535,000 -47.0% 0.3%
    Strong Home Mortgage, LLC $530,000 n/a 0.3%
    Ameris Bank $465,000 $500,000 7.5% 0.3%
    MORTGAGE SOLUTIONS OF COLORADO, LLC $480,000 n/a 0.3%
    Blue Ridge Bank $175,000 $465,000 165.7% 0.3%
    Wolfe Financial, Inc $460,000 n/a 0.3%
    AMERISAVE MORTGAGE CORPORATION $660,000 $440,000 -33.3% 0.3%
    RELIANCE FIRST CAPITAL, LLC $455,000 $420,000 -7.7% 0.2%
    HOMEBRIDGE FINANCIAL SERVICES, INC. $415,000 n/a 0.2%
    GMFS LLC $385,000 n/a 0.2%
    Meridian Bank Corporation $375,000 n/a 0.2%
    COUNTRYPLACE MORTGAGE, LTD. $370,000 n/a 0.2%
    Carrington Mortgage Services, LLC $490,000 $365,000 -25.5% 0.2%
    New Peoples Bank, Inc. $365,000 n/a 0.2%
    ZILLOW HOME LOANS, LLC $355,000 n/a 0.2%
    First Community Bank $620,000 $350,000 -43.5% 0.2%
    CORNERSTONE HOME LENDING, INC. $345,000 n/a 0.2%
    CARDINAL FINANCIAL $1,420,000 $330,000 -76.8% 0.2%
    The Federal Savings Bank $700,000 $325,000 -53.6% 0.2%
    NEW DAY FINANCIAL, LLC $145,000 $315,000 117.2% 0.2%
    First Reliance Bank $920,000 $305,000 -66.8% 0.2%
    RBC Bank, (Georgia) $295,000 n/a 0.2%
    SeaTrust Mortgage Company $600,000 $295,000 -50.8% 0.2%
    MUTUAL OF OMAHA MORTGAGE, INC. $205,000 $285,000 39.0% 0.2%
    M&T Bank $275,000 n/a 0.2%
    PRIMARY RESIDENTIAL MORTGAGE, INC. $840,000 $255,000 -69.6% 0.1%
    21ST MORTGAGE CORPORATION $285,000 $250,000 -12.3% 0.1%
    HOMESIDE FINANCIAL, LLC $270,000 $240,000 -11.1% 0.1%
    NFM, INC. $1,345,000 $235,000 -82.5% 0.1%
    UNITED $235,000 n/a 0.1%
    EMM LOANS LLC $860,000 $230,000 -73.3% 0.1%
    COASTAL Federal Credit Union $275,000 $225,000 -18.2% 0.1%
    ROYAL UNITED MORTGAGE LLC $200,000 $220,000 10.0% 0.1%
    TOP FLITE FINANCIAL, INC. $220,000 n/a 0.1%
    Bank of England $365,000 $215,000 -41.1% 0.1%
    NEWREZ LLC $885,000 $215,000 -75.7% 0.1%
    VERITAS FUNDING, LLC $215,000 n/a 0.1%
    GUILD MORTGAGE COMPANY $195,000 n/a 0.1%
    Northpointe Bank $495,000 $195,000 -60.6% 0.1%
    EXCITE Credit Union $185,000 n/a 0.1%
    MILEND, INC. $225,000 $185,000 -17.8% 0.1%
    PROVIDENT FUNDING ASSOCIATES, L.P. $205,000 $185,000 -9.8% 0.1%
    CMG MORTGAGE, INC. $325,000 $175,000 -46.2% 0.1%
    MID AMERICA MORTGAGE, INC. $175,000 n/a 0.1%
    SOUTHPOINT FINANCIAL SERVICES, INC. $165,000 n/a 0.1%
    CLEARPATH LENDING $155,000 n/a 0.1%
    Bank of America $1,265,000 $150,000 -88.1% 0.1%
    Atlantic Coast Mortgage, LLC $145,000 n/a 0.1%
    LIMA ONE CAPITAL, LLC $145,000 n/a 0.1%
    Barrington Bank & Trust Company, N.A. $300,000 $125,000 -58.3% 0.1%
    OCMBC, INC. $125,000 n/a 0.1%
    RUOFF MORTGAGE COMPANY, INC. $125,000 n/a 0.1%
    CHARLOTTE METRO FEDERAL CREDIT UNION $105,000 n/a 0.1%
    LAKEVIEW LOAN SERVICING, LLC $105,000 n/a 0.1%
    Third Federal Savings and Loan Association of Cleveland $105,000 n/a 0.1%
    Apex Bank $95,000 n/a 0.1%
    PLANET HOME LENDING, LLC $95,000 n/a 0.1%
    FOUNDERS FEDERAL CREDIT UNION $650,000 $85,000 -86.9% 0.0%
    PROPONENT Federal Credit Union $85,000 n/a 0.0%
    United Community Bank $1,165,000 $75,000 -93.6% 0.0%
    Discover Bank $250,000 $65,000 -74.0% 0.0%
    Equity Prime Mortgage LLC $65,000 n/a 0.0%
    Deere Employees Credit Union $90,000 $55,000 -38.9% 0.0%
    PNC Bank $555,000 $55,000 -90.1% 0.0%
    RESIDENTIAL BANCORP $305,000 $55,000 -82.0% 0.0%
    Bethpage Federal Credit Union $35,000 n/a 0.0%
    Citizens Bank $35,000 n/a 0.0%
    Flagstar Bank, FSB $115,000 $35,000 -69.6% 0.0%
    ALLEGACY FEDERAL CREDIT UNION $1,230,000 $25,000 -98.0% 0.0%
    Figure Lending LLC $555,000 $25,000 -95.5% 0.0%

    North Wilkesboro's top lender by overall market share is STATE EMPLOYEES', with 22.2% market share. In second place, with 7.4%, is QUICKEN LOANS, LLC, having originated $12,660,000 in loans. In third place, with 5.5%, is First National Bank of Pennsylvania, having originated $9,355,000 in loans. In fourth place, with 4.7%, is Truist, having originated $7,955,000 in loans. In fifth place, with 3.5%, is INTERCOASTAL MORTGAGE COMPANY, having originated $5,990,000 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 (5.7%) $332,645 (5.0%) 0.00 214
    2018-02-01 $228,475 (6.9%) $329,893 (4.7%) 0.00 220
    2018-03-01 $229,450 (3.9%) $320,446 (0.6%) 0.00 220
    2018-04-01 $226,750 (0.8%) $319,581 (-2.4%) 0.00 221
    2018-05-01 $249,000 (16.0%) $336,381 (5.8%) 0.00 228
    2018-06-01 $249,950 (26.1%) $357,190 (15.5%) 0.00 240
    2018-07-01 $229,900 (15.0%) $322,208 (3.4%) 0.00 264
    2018-08-01 $219,900 (-3.6%) $300,491 (-4.1%) 0.00 280
    2018-09-01 $228,750 (0.1%) $310,616 (-1.9%) 0.00 275
    2018-10-01 $225,125 (-5.0%) $307,914 (-4.0%) 0.00 270
    2018-11-01 $206,950 (-11.7%) $304,152 (-5.6%) 0.00 254
    2018-12-01 $199,900 (-13.5%) $302,074 (-8.5%) 0.00 253
    2019-01-01 $193,450 (-15.7%) $289,974 (-12.8%) 0.00 242
    2019-02-01 $210,000 (-8.1%) $313,738 (-4.9%) 0.00 227
    2019-03-01 $232,757 (1.4%) $337,184 (5.2%) 0.00 219
    2019-04-01 $249,700 (10.1%) $364,379 (14.0%) 0.00 217
    2019-05-01 $249,900 (0.4%) $358,377 (6.5%) 0.00 221
    2019-06-01 $255,450 (2.2%) $360,506 (0.9%) 0.00 237
    2019-07-01 $250,000 (8.7%) $346,338 (7.5%) 0.00 243
    2019-08-01 $249,973 (13.7%) $347,423 (15.6%) 0.00 241
    2019-09-01 $249,932 (9.3%) $351,142 (13.1%) 0.00 237
    2019-10-01 $252,455 (12.1%) $360,619 (17.1%) 0.00 226
    2019-11-01 $259,000 (25.2%) $374,315 (23.1%) 0.00 206
    2019-12-01 $257,000 (28.6%) $373,666 (23.7%) 0.00 182
    2020-01-01 $249,225 (28.8%) $359,620 (24.0%) 0.00 170
    2020-02-01 $249,000 (18.6%) $351,821 (12.1%) 0.00 162
    2020-03-01 $287,400 (23.5%) $385,481 (14.3%) 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 (38.0%) 0.00 117
    2020-08-01 $379,450 (51.8%) $497,573 (43.2%) 0.00 96
    2020-09-01 $357,175 (42.9%) $472,968 (34.7%) 0.00 97
    2020-10-01 $334,900 (32.7%) $450,068 (24.8%) 0.00 98
    2020-11-01 $353,200 (36.4%) $463,519 (23.8%) 0.00 89
    2020-12-01 $379,225 (47.6%) $473,684 (26.8%) 0.00 73
    2021-01-01 $384,900 (54.4%) $487,261 (35.5%) 0.00 63
    2021-02-01 $385,950 (55.0%) $493,629 (40.3%) 0.00 53
    2021-03-01 $386,950 (34.6%) $483,873 (25.5%) 0.00 42
    2021-04-01 $301,175 (0.7%) $370,836 (-5.4%) 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 (-27.4%) $460,953 (-5.4%) 0.00 53
    2022-02-01 $259,900 (-32.7%) $476,536 (-3.5%) 0.00 46
    2022-03-01 $250,425 (-35.3%) $486,932 (0.6%) 0.00 40
    2022-04-01 $294,450 (-2.2%) $517,978 (39.7%) 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 (2.0%) 0.00 49
    2023-02-01 $349,975 (34.7%) $452,499 (-5.0%) 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 $353,500 (-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
    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
    North Wilkesboro's median listing price for 2024-03-01 was $374,500, a difference of $63,250 (20.3%) versus the prior year and $-4,000 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 2024-03-01 was $1,664,598, a difference of $1,234,063 (286.6%) versus the prior year and $-33,917 versus the prior month.

    For the 2024-03-01 period, North Wilkesboro had 74 MLS listings, a difference of -2 listings (-3%) versus the prior month and 25 listings (51%) 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 1,968 sqft
    2018-03-01 0 days 1,957 sqft
    2018-04-01 0 days 1,975 sqft
    2018-05-01 0 days 2,067 sqft
    2018-06-01 0 days 2,166 sqft
    2018-07-01 0 days 2,154 sqft
    2018-08-01 0 days 2,174 sqft
    2018-09-01 0 days 2,154 sqft
    2018-10-01 0 days 2,158 sqft
    2018-11-01 0 days 2,091 sqft
    2018-12-01 0 days 2,141 sqft
    2019-01-01 0 days 2,040 sqft
    2019-02-01 0 days 2,111 sqft
    2019-03-01 0 days 2,185 sqft
    2019-04-01 0 days 2,264 sqft
    2019-05-01 0 days 2,138 sqft
    2019-06-01 0 days 2,154 sqft
    2019-07-01 0 days 2,163 sqft
    2019-08-01 0 days 2,152 sqft
    2019-09-01 0 days 2,131 sqft
    2019-10-01 0 days 2,137 sqft
    2019-11-01 0 days 2,270 sqft
    2019-12-01 0 days 2,478 sqft
    2020-01-01 0 days 2,412 sqft
    2020-02-01 0 days 2,364 sqft
    2020-03-01 0 days 2,485 sqft
    2020-04-01 0 days 2,460 sqft
    2020-05-01 0 days 2,264 sqft
    2020-06-01 0 days 2,081 sqft
    2020-07-01 0 days 2,071 sqft
    2020-08-01 0 days 2,040 sqft
    2020-09-01 0 days 2,024 sqft
    2020-10-01 0 days 2,008 sqft
    2020-11-01 0 days 2,118 sqft
    2020-12-01 0 days 2,221 sqft
    2021-01-01 0 days 2,425 sqft
    2021-02-01 0 days 2,003 sqft
    2021-03-01 0 days 2,098 sqft
    2021-04-01 0 days 1,960 sqft
    2021-05-01 0 days 1,872 sqft
    2021-06-01 0 days 1,836 sqft
    2021-07-01 0 days 1,684 sqft
    2021-08-01 0 days 1,872 sqft
    2021-09-01 0 days 2,000 sqft
    2021-10-01 0 days 1,935 sqft
    2021-11-01 0 days 2,067 sqft
    2021-12-01 0 days 2,172 sqft
    2022-01-01 0 days 2,320 sqft
    2022-02-01 0 days 2,460 sqft
    2022-03-01 0 days 2,151 sqft
    2022-04-01 0 days 2,563 sqft
    2022-05-01 0 days 2,200 sqft
    2022-06-01 0 days 2,308 sqft
    2022-07-01 0 days 2,218 sqft
    2022-08-01 0 days 2,036 sqft
    2022-09-01 0 days 1,893 sqft
    2022-10-01 0 days 2,039 sqft
    2022-11-01 0 days 2,364 sqft
    2022-12-01 0 days 1,844 sqft
    2023-01-01 0 days 1,701 sqft
    2023-02-01 0 days 1,768 sqft
    2023-03-01 0 days 1,768 sqft
    2023-04-01 0 days 1,920 sqft
    2023-05-01 0 days 1,932 sqft
    2023-06-01 0 days 2,005 sqft
    2023-07-01 0 days 2,128 sqft
    2023-08-01 0 days 2,011 sqft
    2023-09-01 0 days 2,005 sqft
    2023-10-01 0 days 2,019 sqft
    2023-11-01 0 days 2,026 sqft
    2023-12-01 0 days 2,005 sqft
    2024-01-01 0 days 2,005 sqft
    2024-02-01 0 days 2,123 sqft
    2024-03-01 0 days 2,005 sqft
    North Wilkesboro's median listing age (time on market) for 2024-03-01 was 0 days.

    North Wilkesboro's median square footage for active listings during the 2024-03-01 period was 2,005 sqft. One year prior, the average listing was 1,768 sqft.

    North Wilkesboro, NC Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 518 $118,980,000 $229,691
    Refi 152 $18,100,000 $119,079
    Home Improvement 137 $10,345,000 $75,511
    Other 114 $9,300,000 $81,579
    Cash Out Refi 81 $13,305,000 $164,259

    North Wilkesboro's most frequently cited loan purpose was Home Purchase, with 518 originations. The 2nd most popular reason was Refi, with 152 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    6-7% 296 $62,280,000 $210,405
    7-8% 290 $45,410,000 $156,586
    5-6% 187 $36,805,000 $196,818
    4-5% 112 $11,240,000 $100,357
    Over 8% 79 $10,515,000 $133,101
    <2.5% 7 $295,000 $42,143
    2.5-3% 7 $525,000 $75,000

    During 2023, North Wilkesboro's most frequently originated rate bucket was 6-7%, with 296 originations.

    Loan Sizing (North Wilkesboro, NC MSA)

    Loan Size Originations Total Value Average Loan
    $100,000 or less 360 $20,140,000 $55,944
    $100k-200k 342 $50,310,000 $147,105
    $200k-400k 237 $64,615,000 $272,637
    $400k-600k 47 $21,965,000 $467,340
    $600k-1000k 12 $8,150,000 $679,167
    $Over $1MM 4 $4,850,000 $1,212,500

    North Wilkesboro's loan sizing saw the bucket of loans from $100,000 or less with 360 originations, totaling $20,140,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 365 $84,775,000 $232,260
    20-40% 196 $17,690,000 $90,255
    60-80% 154 $37,850,000 $245,779
    Under 20% 148 $6,000,000 $40,541
    40-60% 99 $14,835,000 $149,848
    Over 100% 22 $5,360,000 $243,636

    North Wilkesboro's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 365 originations, totaling $84,775,000 in origination value.