Wilson Mortgage Rates

30yr Fixed Rate 15yr Fixed Rate FHA USDA VA 5/1 ARM

30 Year Fixed Rate mortgages in Wilson averaged 6.47% for the week of 2022-06-23, compared to the national average of 5.81% for the same period.

The average rate for the prior week (2022-06-16) was 6.34% and one month ago for the week of 2022-05-19, the average rate was 5.71%.

Wilson's average rate one year ago was 3.51%.

For refis of the same type during the week of 2022-06-23, the average rate was 6.15%.

Loan Type Date Rate
US 30 Year Fixed Rate 2022-06-23 5.81%
Wilson 30 Year Fixed Rate 2022-06-23 6.47%
Wilson 30 Year Fixed Rate Refi 2022-06-23 6.15%
Wilson 15 Year Fixed Rate 2022-06-23 5.73%
Wilson 15 Year Fixed Rate Refi 2022-06-23 5.12%
Wilson 30 Year FHA 2022-06-23 -0.18%
Wilson 30 Year FHA Refi 2022-06-23 0%
Wilson 30 Year USDA 2022-06-23 0.15%
Wilson 30 Year USDA Refi 2022-06-23 3.22%
Wilson 30 Year VA 2022-06-23 0.52%
Wilson 30 Year VA Refi 2022-06-23 -0.07%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Wilson, NC.

Wilson Top Lenders by Rates & Fees

The below table looks at the consensus average rates and fees provided by each lendor, for only loans originated in the Wilson, 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 2021 Avg. 30yFix Rate 2021 Avg. Total Fees
STATE EMPLOYEES' 250 3.35% $3,490
QUICKEN LOANS, LLC 100 3.10% $4,547
PRIMELENDING, A PLAINSCAPITAL COMPANY 91 3.38% $3,847
Wells Fargo Bank 47 3.28% $2,414
ANGEL OAK HOME LOANS LLC 47 3.26% $3,538
Truist Bank 47 3.00% $3,599
LOCAL GOVERNMENT FEDERAL CREDIT UNION 33 3.49% $3,540
Southern Bank and Trust Company 24 3.08% $3,238
MOVEMENT MORTGAGE, LLC 22 3.20% $3,171
First-Citizens Bank & Trust Company 20 3.30% $3,350
Alcova Mortgage LLC 17 3.08% $2,957
LOANDEPOT.COM, LLC 16 3.12% $4,135
UNITED WHOLESALE MORTGAGE, LLC 13 3.01% $3,212
ATLANTIC BAY MORTGAGE GROUP, L.L.C. 13 3.28% $3,614
NAVY FEDERAL CREDIT UNION 12 3.75% $3,710
Mr. Cooper ( Nationstar Mortgage ) 10 3.41% $4,702
CORNERSTONE HOME LENDING, INC. 10 3.19% $4,125
COASTAL Federal Credit Union 10 3.39% $3,078
AMERICAN FINANCIAL NETWORK, INC. 9 3.11% $6,495
BETTER MORTGAGE CORPORATION 8 3.08% $2,601
GUARANTEED RATE, INC. 8 3.23% $4,172
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 6 3.00% $3,460
Bank of America 6 2.44% $4,016
AMERISAVE MORTGAGE CORPORATION 6 3.17% $3,533
North State Bank 6 3.19% $2,898
JPMorgan Chase Bank 6 3.04% $1,589
HOME POINT FINANCIAL CORPORATION 5 3.08% $5,081
CALIBER HOME LOANS, INC. 5 3.37% $3,789
PNC Bank 5 3.03% $3,587
Prosperity Home Mortgage, LLC 5 3.40% $3,993
GoPrime Mortgage, Inc. 5 3.28% $3,993
AMERICAN FINANCING CORPORATION 5 3.00% $3,453
KELLER MORTGAGE, LLC 4 3.19% $2,048
Mortgage Research Center, LLC 4 2.75% $3,739
Atlantic Home Loans, Inc. 4 3.31% $3,969
NEWREZ LLC 4 3.12% $5,059
Hometown Lenders, Inc. 4 3.28% $3,311
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 3 3.17% $8,498
BROKER SOLUTIONS, INC. 3 3.75% $4,753
Flagstar Bank, FSB 3 3.04% $4,527
EQUITY RESOURCES, INC. 3 2.96% $2,881
PRIMARY RESIDENTIAL MORTGAGE, INC. 3 3.58% $4,293
American Security Mortgage Corp. 3 2.96% $3,065
PENNYMAC LOAN SERVICES, LLC 3 3.33% $4,980
HOMESIDE FINANCIAL, LLC 3 3.38% $3,988
DHI MORTGAGE COMPANY, LTD. 3 2.99% $2,793
CROSSCOUNTRY MORTGAGE, LLC 3 3.04% $3,604
LATINO COMMUNITY CREDIT UNION 3 6.00% $3,424
ROYAL UNITED MORTGAGE LLC 3 3.33% $5,340
BAYSHORE MORTGAGE FUNDING, LLC 2 2.88% $3,777
Towne Mortgage of the Carolinas, LLC 2 3.38% $3,852
Corporate Investors Mortgage Group, Inc. 2 3.19% $2,627
HOMESPIRE MORTGAGE CORPORATION 2 3.06% $4,243
United Community Bank 2 3.38% $2,529
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 2 3.31% $3,226
MUTUAL OF OMAHA MORTGAGE, INC. 2 2.94% $3,819
RESIDENTIAL MORTGAGE SERVICES, INC. 2 3.06% $3,204
Renasant Bank 2 2.94% $3,610
U.S. Bank 2 2.94% $2,717
Paramount Residential Mortgage Group, Inc. 2 3.31% $3,786
FREEDOM MORTGAGE CORPORATION 2 3.06% $1,508
ARC HOME LLC 2 2.75% $3,194
SUN WEST MORTGAGE COMPANY, INC. 2 3.19% $2,854
The Federal Savings Bank 2 3.06% $3,170
THE MORTGAGE FIRM, INC. 2 3.16% $3,297
TIAA, FSB 2 3.13% $3,666
Regions Bank 2 3.25% $5,661
INTERCOASTAL MORTGAGE COMPANY 1 3.13% $3,446
AgCarolina Farm Credit, FLCA 1 4.06% $4,402
ALLIED MORTGAGE GROUP, INC. 1 2.88% $5,616
Alpha Mortgage Corporation 1 3.38% $3,163
American National Bank and Trust Company 1 2.88% $3,176
Ameris Bank 1 2.75% $3,930
ANGEL OAK MORTGAGE SOLUTIONS LLC 1 5.50% $18,843
Austin Capital Bank SSB 1 2.75% $4,068
BNC National Bank 1 3.50% $3,064
Carrington Mortgage Services, LLC 1 3.50% $5,052
C & F Mortgage Corporation 1 3.00% $3,278
CHURCHILL MORTGAGE CORPORATION 1 3.25% $3,320
Citadel Servicing Corporation 1 5.63% $5,818
CMG MORTGAGE, INC. 1 2.88% $3,910
Colonial Savings, F.A. 1 3.13% $1,230
CREDIT UNION MORTGAGE ASSOCIATION, INC. 1 2.75% $4,358
CRESCENT MORTGAGE COMPANY 1 3.63% $2,787
Discover Bank 1 4.25% $0
EMBRACE HOME LOANS, INC. 1 2.99% $2,154
EMM LOANS LLC 1 3.63% $6,460
Encompass Lending Group, LP 1 3.88% $3,684
EVERETT FINANCIAL, INC. 1 3.75% $2,332
First Bank 1 2.88% $5,434
First Guaranty Mortgage Corporation 1 2.88% $2,777
First Heritage Mortgage, LLC 1 2.75% $6,149
First Horizon Bank 1 3.00% $3,890
First Internet Bank of Indiana 1 3.25% $2,968
First National Bank of Pennsylvania 1 4.00% $3,355
Gateway First Bank 1 2.63% $1,911
HAMILTON HOME LOANS, INC. 1 3.63% $4,382
HOMESTAR FINANCIAL CORPORATION 1 3.25% $4,054
HOMESTEAD FUNDING CORP. 1 3.63% $2,956
ACADEMY MORTGAGE CORPORATION 1 3.00% $3,101
NASA Federal Credit Union 1 2.75% $2,818
Nations Lending Corporation 1 2.50% $7,495
NEW DAY FINANCIAL, LLC 1 2.50% $3,356
Northpointe Bank 1 3.13% $3,245
NP, Inc. 1 3.00% $8,850
ON Q FINANCIAL, INC. 1 2.99% $6,046
POLARIS HOME FUNDING CORP. 1 3.50% $6,941
PREMIA MORTGAGE, LLC 1 2.75% $0
PROVIDENT FUNDING ASSOCIATES, L.P. 1 2.63% $2,385
RELIANCE FIRST CAPITAL, LLC 1 3.88% $5,151
RUOFF MORTGAGE COMPANY, INC. 1 3.25% $2,454
Sandy Spring Bank 1 4.50% $5,330
SECURITYNATIONAL MORTGAGE COMPANY 1 3.25% $3,775
Service Federal Credit Union 1 2.13% $5,609
SIRVA MORTGAGE, INC. 1 3.13% $0
SOUTHERN TRUST MORTGAGE, LLC 1 2.75% $4,834
SPRING EQ, LLC 1 2.88% $0
STEARNS LENDING, LLC 1 2.88% $5,489
Stifel Bank and Trust 1 3.38% $2,195
SUCCESS MORTGAGE PARTNERS, INC. 1 2.75% $3,322
SUMMIT FUNDING, INC. 1 3.38% $5,060
TOP FLITE FINANCIAL, INC. 1 3.50% $5,628
Towne Bank 1 3.63% $2,799
UIF CORPORATION 1 4.00% $5,307
UNITED PREMIER FUNDING, LLC 1 3.13% $3,249
Waterstone Mortgage Corporation 1 3.00% $3,229
Wolfe Financial, Inc 1 3.25% $2,312
ZILLOW HOME LOANS, LLC 1 3.13% $3,347

Wilson, NC's 128 lenders originated 2,595 loans during 2021. The total origination value was $441,195,000, with an average loan value of $170,017.

The top Wilson lender as defined by loan originations is STATE EMPLOYEES', with 250 loans originated. Their average total fees are $3,490, which is $1,057 lower than the next largest lender, QUICKEN LOANS, LLC.

The lowest fee Wilson lenders (with over 10 loans originated) are Wells Fargo Bank ($2,414), Alcova Mortgage LLC ($2,957), COASTAL Federal Credit Union ($3,078), MOVEMENT MORTGAGE, LLC ($3,171) and UNITED WHOLESALE MORTGAGE, LLC ($3,212).

The lowest rate Wilson lenders (with over 10 loans originated) are Truist Bank (3.00%), UNITED WHOLESALE MORTGAGE, LLC (3.01%), Southern Bank and Trust Company (3.08%), Alcova Mortgage LLC (3.08%) and QUICKEN LOANS, LLC (3.10%).

Wilson, NC Lender 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' $43,815,000 $77,105,000 76.0% 17.5%
QUICKEN LOANS, LLC $26,515,000 $39,445,000 48.8% 8.9%
Truist Bank $32,075,000 $25,600,000 -20.2% 5.8%
PRIMELENDING, A PLAINSCAPITAL COMPANY $23,845,000 $24,325,000 2.0% 5.5%
Southern Bank and Trust Company $24,915,000 $17,965,000 -27.9% 4.1%
ANGEL OAK HOME LOANS LLC $19,525,000 $16,670,000 -14.6% 3.8%
Wells Fargo Bank $12,955,000 $15,170,000 17.1% 3.4%
First-Citizens Bank & Trust Company $10,810,000 $12,525,000 15.9% 2.8%
Carter Bank & Trust $14,085,000 $11,655,000 -17.3% 2.6%
FREEDOM MORTGAGE CORPORATION $13,025,000 $10,825,000 -16.9% 2.5%
Mortgage Research Center, LLC $4,265,000 $8,600,000 101.6% 1.9%
LOCAL GOVERNMENT FEDERAL CREDIT UNION $6,370,000 $8,295,000 30.2% 1.9%
LOANDEPOT.COM, LLC $2,255,000 $8,210,000 264.1% 1.9%
MOVEMENT MORTGAGE, LLC $7,045,000 $7,280,000 3.3% 1.7%
UNITED WHOLESALE MORTGAGE, LLC $1,595,000 $5,195,000 225.7% 1.2%
Mr. Cooper ( Nationstar Mortgage ) $2,460,000 $5,170,000 110.2% 1.2%
Alcova Mortgage LLC $2,970,000 $4,950,000 66.7% 1.1%
NAVY FEDERAL CREDIT UNION $3,715,000 $4,945,000 33.1% 1.1%
PENNYMAC LOAN SERVICES, LLC $2,910,000 $4,190,000 44.0% 0.9%
ATLANTIC BAY MORTGAGE GROUP, L.L.C. $655,000 $4,125,000 529.8% 0.9%
North State Bank $3,845,000 $3,385,000 -12.0% 0.8%
CORNERSTONE HOME LENDING, INC. $2,435,000 $3,230,000 32.6% 0.7%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $2,665,000 $3,100,000 16.3% 0.7%
COASTAL Federal Credit Union $2,110,000 $2,890,000 37.0% 0.7%
DHI MORTGAGE COMPANY, LTD. $2,820,000 n/a 0.6%
GUARANTEED RATE, INC. $940,000 $2,815,000 199.5% 0.6%
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $500,000 $2,635,000 427.0% 0.6%
AMERICAN FINANCIAL NETWORK, INC. $1,195,000 $2,575,000 115.5% 0.6%
PNC Bank $4,475,000 $2,435,000 -45.6% 0.6%
BETTER MORTGAGE CORPORATION $1,335,000 $2,215,000 65.9% 0.5%
USAA Federal Savings Bank $2,220,000 $2,105,000 -5.2% 0.5%
Towne Mortgage of the Carolinas, LLC $745,000 $2,015,000 170.5% 0.5%
JPMorgan Chase Bank $1,470,000 $2,000,000 36.1% 0.5%
Arbor Realty Trust, Inc. $1,995,000 n/a 0.5%
VILLAGE CAPITAL & INVESTMENT LLC $835,000 $1,960,000 134.7% 0.4%
PRIMARY RESIDENTIAL MORTGAGE, INC. $1,140,000 $1,875,000 64.5% 0.4%
BROKER SOLUTIONS, INC. $485,000 $1,870,000 285.6% 0.4%
CALIBER HOME LOANS, INC. $550,000 $1,855,000 237.3% 0.4%
The Federal Savings Bank $515,000 $1,815,000 252.4% 0.4%
HOME POINT FINANCIAL CORPORATION $590,000 $1,775,000 200.8% 0.4%
VANDERBILT MORTGAGE AND FINANCE, INC. $1,490,000 $1,770,000 18.8% 0.4%
Bank of America $1,285,000 $1,760,000 37.0% 0.4%
Prosperity Home Mortgage, LLC $210,000 $1,760,000 738.1% 0.4%
SUN WEST MORTGAGE COMPANY, INC. $555,000 $1,735,000 212.6% 0.4%
HOMESIDE FINANCIAL, LLC $1,185,000 $1,715,000 44.7% 0.4%
AMERISAVE MORTGAGE CORPORATION $1,945,000 $1,700,000 -12.6% 0.4%
United Bank $1,065,000 $1,670,000 56.8% 0.4%
LAKEVIEW LOAN SERVICING, LLC $885,000 $1,640,000 85.3% 0.4%
NEW DAY FINANCIAL, LLC $430,000 $1,595,000 270.9% 0.4%
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC $1,090,000 $1,490,000 36.7% 0.3%
NP, Inc. $650,000 $1,415,000 117.7% 0.3%
U.S. Bank $1,015,000 $1,415,000 39.4% 0.3%
Carrington Mortgage Services, LLC $1,890,000 $1,300,000 -31.2% 0.3%
RELIANCE FIRST CAPITAL, LLC $1,185,000 $1,260,000 6.3% 0.3%
Barrington Bank & Trust Company, N.A. $1,035,000 $1,160,000 12.1% 0.3%
CROSSCOUNTRY MORTGAGE, LLC $595,000 $1,140,000 91.6% 0.3%
Atlantic Home Loans, Inc. $1,095,000 n/a 0.2%
Regions Bank $710,000 $1,090,000 53.5% 0.2%
GoPrime Mortgage, Inc. $795,000 $1,070,000 34.6% 0.2%
AMERICAN FINANCING CORPORATION $320,000 $1,045,000 226.6% 0.2%
Benchmark Community Bank $230,000 $1,030,000 347.8% 0.2%
ACOPIA, LLC $1,015,000 n/a 0.2%
NEWREZ LLC $985,000 $970,000 -1.5% 0.2%
EQUITY RESOURCES, INC. $675,000 $930,000 37.8% 0.2%
First National Bank of Pennsylvania $430,000 $925,000 115.1% 0.2%
SECURITYNATIONAL MORTGAGE COMPANY $905,000 n/a 0.2%
Renasant Bank $1,230,000 $880,000 -28.5% 0.2%
KELLER MORTGAGE, LLC $565,000 $830,000 46.9% 0.2%
HOMESPIRE MORTGAGE CORPORATION $125,000 $825,000 560.0% 0.2%
First Bank $25,000 $795,000 3,080.0% 0.2%
RESIDENTIAL MORTGAGE SERVICES, INC. $545,000 $795,000 45.9% 0.2%
Ameris Bank $115,000 $750,000 552.2% 0.2%
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. $750,000 n/a 0.2%
AMERICAN FINANCIAL RESOURCES, INC. $765,000 $740,000 -3.3% 0.2%
EMM LOANS LLC $420,000 $730,000 73.8% 0.2%
Hometown Lenders, Inc. $165,000 $730,000 342.4% 0.2%
Paramount Residential Mortgage Group, Inc. $395,000 $730,000 84.8% 0.2%
SHELTER HOME MORTGAGE, LLC $125,000 $725,000 480.0% 0.2%
CLEARPATH LENDING $1,170,000 $710,000 -39.3% 0.2%
SOUTHWEST STAGE FUNDING, LLC $445,000 $710,000 59.6% 0.2%
Towne Bank $545,000 $650,000 19.3% 0.1%
MORTGAGE SOLUTIONS OF COLORADO, LLC $905,000 $645,000 -28.7% 0.1%
InterContinental Capital Group, Inc $540,000 $615,000 13.9% 0.1%
LATINO COMMUNITY CREDIT UNION $155,000 $610,000 293.5% 0.1%
CAPITAL CENTER, L.L.C. $105,000 $600,000 471.4% 0.1%
Bank of England $595,000 n/a 0.1%
TIAA, FSB $65,000 $595,000 815.4% 0.1%
T2 FINANCIAL LLC $185,000 $585,000 216.2% 0.1%
1ST SIGNATURE LENDING, LLC $575,000 n/a 0.1%
First Heritage Mortgage, LLC $665,000 $570,000 -14.3% 0.1%
Northpointe Bank $185,000 $570,000 208.1% 0.1%
HOMEBRIDGE FINANCIAL SERVICES, INC. $820,000 $565,000 -31.1% 0.1%
21ST MORTGAGE CORPORATION $165,000 $560,000 239.4% 0.1%
CHURCHILL MORTGAGE CORPORATION $415,000 $560,000 34.9% 0.1%
Low VA Rates, LLC $1,055,000 $555,000 -47.4% 0.1%
United Community Bank $390,000 $555,000 42.3% 0.1%
PREMIA MORTGAGE, LLC $545,000 n/a 0.1%
ANGEL OAK MORTGAGE SOLUTIONS LLC $535,000 n/a 0.1%
Flagstar Bank, FSB $105,000 $535,000 409.5% 0.1%
Lakeview Community Capital, LLC $530,000 n/a 0.1%
American Security Mortgage Corp. $875,000 $515,000 -41.1% 0.1%
SELF-HELP Credit Union $330,000 $515,000 56.1% 0.1%
MUTUAL OF OMAHA MORTGAGE, INC. $500,000 n/a 0.1%
SUMMIT FUNDING, INC. $215,000 $490,000 127.9% 0.1%
THE MORTGAGE FIRM, INC. $535,000 $490,000 -8.4% 0.1%
BAYSHORE MORTGAGE FUNDING, LLC $185,000 $485,000 162.2% 0.1%
Third Federal Savings and Loan Association of Cleveland $545,000 $480,000 -11.9% 0.1%
CALCON MUTUAL MORTGAGE LLC $145,000 $465,000 220.7% 0.1%
GSF Mortgage Corporation $380,000 $455,000 19.7% 0.1%
Alpha Mortgage Corporation $445,000 n/a 0.1%
UIF CORPORATION $445,000 n/a 0.1%
Fifth Third Bank $385,000 $435,000 13.0% 0.1%
Manufacturers and Traders Trust Company $95,000 $410,000 331.6% 0.1%
RUOFF MORTGAGE COMPANY, INC. $405,000 $405,000 0.0% 0.1%
TOP FLITE FINANCIAL, INC. $400,000 n/a 0.1%
FINANCE OF AMERICA MORTGAGE LLC $155,000 $385,000 148.4% 0.1%
AgCarolina Farm Credit, FLCA $510,000 $370,000 -27.5% 0.1%
SIRVA MORTGAGE, INC. $430,000 $365,000 -15.1% 0.1%
Select Bank & Trust Company $815,000 $355,000 -56.4% 0.1%
LIMA ONE CAPITAL, LLC $190,000 $335,000 76.3% 0.1%
ALLIED MORTGAGE GROUP, INC. $330,000 n/a 0.1%
AMWEST FUNDING CORP. $320,000 n/a 0.1%
ARC HOME LLC $320,000 n/a 0.1%
SHARONVIEW FEDERAL CREDIT UNION $125,000 $320,000 156.0% 0.1%
INOVA FEDERAL CREDIT UNION $315,000 n/a 0.1%
First Guaranty Mortgage Corporation $185,000 $310,000 67.6% 0.1%
Ally Bank $145,000 $305,000 110.3% 0.1%
PROVIDENT FUNDING ASSOCIATES, L.P. $305,000 n/a 0.1%
ROYAL UNITED MORTGAGE LLC $400,000 $305,000 -23.8% 0.1%
INTERCOASTAL MORTGAGE COMPANY $675,000 $290,000 -57.0% 0.1%
HAMILTON HOME LOANS, INC. $285,000 n/a 0.1%
Nations Lending Corporation $705,000 $280,000 -60.3% 0.1%
AMCAP MORTGAGE, LTD. $270,000 n/a 0.1%
Citadel Servicing Corporation $265,000 n/a 0.1%
Service Federal Credit Union $265,000 n/a 0.1%
Hometown Equity Mortgage, LLC $260,000 n/a 0.1%
AMERICAN PACIFIC MORTGAGE CORPORATION $255,000 n/a 0.1%
HOMESTAR FINANCIAL CORPORATION $255,000 n/a 0.1%
Citizens Bank $245,000 n/a 0.1%
Colonial Savings, F.A. $215,000 n/a 0.0%
HOMESTEAD FUNDING CORP. $500,000 $215,000 -57.0% 0.0%
WRIGHT PATMAN CONGRESSIONAL FEDERAL CREDIT UNION $215,000 n/a 0.0%
DATA MORTGAGE, INC. $210,000 n/a 0.0%
American National Bank and Trust Company $205,000 n/a 0.0%
CRESCENT MORTGAGE COMPANY $205,000 $205,000 0.0% 0.0%
Corporate Investors Mortgage Group, Inc. $510,000 $200,000 -60.8% 0.0%
EMBRACE HOME LOANS, INC. $165,000 $195,000 18.2% 0.0%
Gateway First Bank $195,000 n/a 0.0%
Touchstone Bank $195,000 n/a 0.0%
C & F Mortgage Corporation $185,000 n/a 0.0%
CREDIT UNION MORTGAGE ASSOCIATION, INC. $185,000 n/a 0.0%
First Horizon Bank $165,000 $185,000 12.1% 0.0%
First Internet Bank of Indiana $185,000 n/a 0.0%
Mid-Continent Funding, Inc. $115,000 $185,000 60.9% 0.0%
The Fidelity Bank $185,000 n/a 0.0%
THRIVE MORTGAGE, LLC $185,000 n/a 0.0%
AMERICAN ADVISORS GROUP $165,000 $175,000 6.1% 0.0%
POLARIS HOME FUNDING CORP. $175,000 $175,000 0.0% 0.0%
Allen Tate Mortgage Partners, LLC $235,000 $165,000 -29.8% 0.0%
AmeriHome Mortgage Company, LLC $165,000 n/a 0.0%
Austin Capital Bank SSB $215,000 $165,000 -23.3% 0.0%
DAS Acquisition Company, LLC $165,000 n/a 0.0%
ON Q FINANCIAL, INC. $755,000 $165,000 -78.1% 0.0%
Stifel Bank and Trust $125,000 $165,000 32.0% 0.0%
Waterstone Mortgage Corporation $165,000 n/a 0.0%
ZILLOW HOME LOANS, LLC $135,000 $165,000 22.2% 0.0%
ALLEGACY FEDERAL CREDIT UNION $155,000 $160,000 3.2% 0.0%
KS Bank, Inc. $1,210,000 $160,000 -86.8% 0.0%
ACADEMY MORTGAGE CORPORATION $155,000 n/a 0.0%
AMERIFIRST FINANCIAL CORPORATION $155,000 n/a 0.0%
Citibank $155,000 n/a 0.0%
Encompass Lending Group, LP $155,000 n/a 0.0%
FIRST FLIGHT FEDERAL CREDIT UNION $155,000 n/a 0.0%
Advisors Mortgage Group, L.L.C. $145,000 n/a 0.0%
Colten Mortgage, LLC $145,000 n/a 0.0%
MID AMERICA MORTGAGE, INC. $145,000 n/a 0.0%
NATIONWIDE MORTGAGE BANKERS, INC. $145,000 n/a 0.0%
UNITED PREMIER FUNDING, LLC $145,000 n/a 0.0%
Wyndham Capital Mortgage, Inc. $490,000 $145,000 -70.4% 0.0%
BNC National Bank $135,000 n/a 0.0%
GUILD MORTGAGE COMPANY $135,000 n/a 0.0%
INSPIRE HOME LOANS INC. $530,000 $135,000 -74.5% 0.0%
NASA Federal Credit Union $135,000 n/a 0.0%
SUCCESS MORTGAGE PARTNERS, INC. $135,000 n/a 0.0%
Blue Ridge Bank $390,000 $125,000 -67.9% 0.0%
CMG MORTGAGE, INC. $410,000 $125,000 -69.5% 0.0%
Marine Federal Credit Union $125,000 n/a 0.0%
Pinnacle Bank $125,000 n/a 0.0%
SIGNATURE MORTGAGE CORPORATION $125,000 n/a 0.0%
SOFI LENDING CORP. $125,000 n/a 0.0%
STEARNS LENDING, LLC $235,000 $125,000 -46.8% 0.0%
Wolfe Financial, Inc $125,000 n/a 0.0%
FINANCE OF AMERICA COMMERCIAL LLC $115,000 n/a 0.0%
FINANCE OF AMERICA REVERSE LLC $115,000 n/a 0.0%
First Carolina Bank $940,000 $115,000 -87.8% 0.0%
PHH Mortgage Corporation $85,000 $115,000 35.3% 0.0%
PLANET HOME LENDING, LLC $465,000 $115,000 -75.3% 0.0%
SOUTHERN TRUST MORTGAGE, LLC $850,000 $115,000 -86.5% 0.0%
Discover Bank $275,000 $105,000 -61.8% 0.0%
FIRST HOME MORTGAGE CORPORATION $95,000 n/a 0.0%
PENTAGON FEDERAL CREDIT UNION $60,000 $95,000 58.3% 0.0%
TD Bank $95,000 n/a 0.0%
ALL WESTERN MORTGAGE, INC. $85,000 n/a 0.0%
EVERETT FINANCIAL, INC. $85,000 n/a 0.0%
Sandy Spring Bank $85,000 n/a 0.0%
CIVIC FINANCIAL SERVICES, LLC $75,000 n/a 0.0%
CNB Bank $75,000 n/a 0.0%
Figure Lending LLC $65,000 n/a 0.0%
SPRING EQ, LLC $310,000 $65,000 -79.0% 0.0%
TRIAD FINANCIAL SERVICES, INC. $65,000 n/a 0.0%
Home Loan Investment Bank, F.S.B. $15,000 $50,000 233.3% 0.0%
American Airlines Federal Credit Union $45,000 n/a 0.0%
ALLIANT CREDIT UNION $35,000 n/a 0.0%
BancorpSouth Bank $25,000 n/a 0.0%

Wilson's top lender by overall market share is STATE EMPLOYEES', with 17.5% market share. In second place, with 8.9%, is QUICKEN LOANS, LLC, having originated $39,445,000 in loans. In third place, with 5.8%, is Truist Bank, having originated $25,600,000 in loans. In third place, with 5.5%, is PRIMELENDING, A PLAINSCAPITAL COMPANY, having originated $24,325,000 in loans. In third place, with 4.1%, is Southern Bank and Trust Company, having originated $17,965,000 in loans.


Wilson, NC Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 1,087 $217,185,000 $199,802
Refi 975 $159,835,000 $163,933
Cash Out Refi 300 $48,330,000 $161,100
Other 129 $9,735,000 $75,465
Home Improvement 104 $6,110,000 $58,750

Wilson's most frequently cited loan purpose was Home Purchase, with 1,087 originations. The 2nd most popular reason was Refi, with 975 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
3-4% 1,083 $189,935,000 $175,379
2.5-3% 983 $155,445,000 $158,133
<2.5% 334 $56,060,000 $167,844
4-5% 137 $33,145,000 $241,934
5-6% 18 $2,360,000 $131,111
Over 8% 12 $1,220,000 $101,667
6-7% 10 $1,360,000 $136,000
7-8% 9 $555,000 $61,667

During 2021, Wilson's most frequently originated rate bucket was 3-4%, with 1,083 originations.

Loan Sizing (Wilson, NC MSA)

Loan Size Originations Total Value Average Loan
$100k-200k 1,258 $187,240,000 $148,839
$200k-400k 686 $174,830,000 $254,854
$100,000 or less 594 $36,770,000 $61,902
$400k-600k 45 $20,775,000 $461,667
$600k-1000k 8 $5,260,000 $657,500
$Over $1MM 4 $16,320,000 $4,080,000

Wilson's loan sizing saw the bucket of loans from $100k-200k with 1,258 originations, totaling $187,240,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 1,106 $215,420,000 $194,774
60-80% 745 $129,145,000 $173,349
40-60% 295 $42,375,000 $143,644
20-40% 178 $25,510,000 $143,315
Under 20% 136 $3,770,000 $27,721
Over 100% 46 $10,140,000 $220,435

Wilson's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 1,106 originations, totaling $215,420,000 in origination value.


Market Conditions (Median, Average Prices & Listing Count)

Realtor.com - Wilson (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 $129,450 (3.6%) $158,385 (0.5%) 0.00 269
2018-02-01 $134,000 (8.1%) $161,165 (1.3%) 0.00 263
2018-03-01 $135,000 (2.3%) $154,203 (-7.3%) 0.00 265
2018-04-01 $131,250 (-4.8%) $151,347 (-11.3%) 0.00 269
2018-05-01 $123,750 (-8.3%) $154,749 (-9.1%) 0.00 270
2018-06-01 $120,990 (-11.3%) $161,749 (-6.3%) 0.00 243
2018-07-01 $120,990 (-16.6%) $167,107 (-4.5%) 0.00 237
2018-08-01 $122,400 (-10.5%) $168,071 (-0.6%) 0.00 245
2018-09-01 $134,900 (2.2%) $173,040 (4.5%) 0.00 243
2018-10-01 $135,200 (2.0%) $169,001 (2.7%) 0.00 248
2018-11-01 $135,950 (-2.9%) $169,430 (-1.5%) 0.00 257
2018-12-01 $135,000 (4.7%) $164,120 (-1.0%) 0.00 246
2019-01-01 $132,450 (2.3%) $163,856 (3.5%) 0.00 237
2019-02-01 $139,400 (4.0%) $172,763 (7.2%) 0.00 218
2019-03-01 $143,657 (6.4%) $174,810 (13.4%) 0.00 195
2019-04-01 $153,200 (16.7%) $180,932 (19.6%) 0.00 180
2019-05-01 $162,995 (31.7%) $198,468 (28.3%) 0.00 187
2019-06-01 $175,000 (44.6%) $215,038 (33.0%) 0.00 192
2019-07-01 $175,000 (44.6%) $221,671 (32.7%) 0.00 175
2019-08-01 $189,500 (54.8%) $229,024 (36.3%) 0.00 169
2019-09-01 $184,700 (36.9%) $226,171 (30.7%) 0.00 161
2019-10-01 $174,500 (29.1%) $217,039 (28.4%) 0.00 163
2019-11-01 $169,900 (25.0%) $205,675 (21.4%) 0.00 156
2019-12-01 $169,900 (25.9%) $200,574 (22.2%) 0.00 162
2020-01-01 $156,950 (18.5%) $191,229 (16.7%) 0.00 151
2020-02-01 $169,500 (21.6%) $208,249 (20.5%) 0.00 152
2020-03-01 $167,000 (16.3%) $204,083 (16.8%) 0.00 154
2020-04-01 $175,000 (14.2%) $215,659 (19.2%) 0.00 152
2020-05-01 $194,900 (19.6%) $217,301 (9.5%) 0.00 156
2020-06-01 $189,900 (8.5%) $222,916 (3.7%) 0.00 129
2020-07-01 $199,900 (14.2%) $238,329 (7.5%) 0.00 106
2020-08-01 $205,900 (8.7%) $254,556 (11.2%) 0.00 95
2020-09-01 $246,700 (33.6%) $298,473 (32.0%) 0.00 82
2020-10-01 $225,000 (28.9%) $311,825 (43.7%) 0.00 74
2020-11-01 $207,500 (22.1%) $264,074 (28.4%) 0.00 81
2020-12-01 $222,450 (30.9%) $275,615 (37.4%) 0.00 69
2021-01-01 $220,000 (40.2%) $276,173 (44.4%) 0.00 70
2021-02-01 $225,200 (32.9%) $275,151 (32.1%) 0.00 67
2021-03-01 $222,500 (33.2%) $274,223 (34.4%) 0.00 60
2021-04-01 $225,000 (28.6%) $286,950 (33.1%) 0.00 54
2021-05-01 $215,856 (10.8%) $259,180 (19.3%) 0.00 40
2021-06-01 $212,495 (11.9%) $246,024 (10.4%) 0.00 60
2021-07-01 $199,900 (0.0%) $246,118 (3.3%) 0.00 68
2021-08-01 $209,950 (2.0%) $252,289 (-0.9%) 0.00 70
2021-09-01 $207,500 (-15.9%) $250,501 (-16.1%) 0.00 64
2021-10-01 $229,900 (2.2%) $260,614 (-16.4%) 0.00 78
2021-11-01 $207,450 (0.0%) $249,607 (-5.5%) 0.00 74
2021-12-01 $235,000 (5.6%) $262,817 (-4.6%) 0.00 67
2022-01-01 $239,900 (9.1%) $260,662 (-5.6%) 0.00 47
2022-02-01 $203,250 (-9.8%) $241,055 (-12.4%) 0.00 34
2022-03-01 $247,450 (11.2%) $268,037 (-2.3%) 0.00 36
2022-04-01 $235,000 (4.4%) $279,645 (-2.6%) 0.00 50
2022-05-01 $252,450 (17.0%) $314,195 (21.2%) 0.00 50
Wilson's median listing price for 2022-05-01 was $252,450, a difference of $36,594 (17.0%) versus the prior year and $17,450 versus the prior month.

Wilson's median listing price comes in at 0% of the national average.

Wilson's average listing price for 2022-05-01 was $314,195, a difference of $55,015 (21.2%) versus the prior year and $34,550 versus the prior month.

For the 2022-05-01 period, Wilson had 50 MLS listings, a difference of 0 listings (0%) versus the prior month and 10 listings (25%) versus the prior year.

Median Listing Time on Market & Square Footage

Realtor.com - Wilson (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Time on Market Median Square Footage
2018-01-01 0 days 1,693 sqft
2018-02-01 0 days 1,670 sqft
2018-03-01 0 days 1,680 sqft
2018-04-01 0 days 1,656 sqft
2018-05-01 0 days 1,586 sqft
2018-06-01 0 days 1,536 sqft
2018-07-01 0 days 1,551 sqft
2018-08-01 0 days 1,535 sqft
2018-09-01 0 days 1,602 sqft
2018-10-01 0 days 1,583 sqft
2018-11-01 0 days 1,581 sqft
2018-12-01 0 days 1,552 sqft
2019-01-01 0 days 1,527 sqft
2019-02-01 0 days 1,611 sqft
2019-03-01 0 days 1,651 sqft
2019-04-01 0 days 1,745 sqft
2019-05-01 0 days 2,023 sqft
2019-06-01 0 days 2,060 sqft
2019-07-01 0 days 2,096 sqft
2019-08-01 0 days 2,139 sqft
2019-09-01 0 days 2,111 sqft
2019-10-01 0 days 2,009 sqft
2019-11-01 0 days 1,815 sqft
2019-12-01 0 days 1,876 sqft
2020-01-01 0 days 1,715 sqft
2020-02-01 0 days 1,845 sqft
2020-03-01 0 days 1,755 sqft
2020-04-01 0 days 1,905 sqft
2020-05-01 0 days 1,888 sqft
2020-06-01 0 days 1,894 sqft
2020-07-01 0 days 1,942 sqft
2020-08-01 0 days 2,078 sqft
2020-09-01 0 days 2,309 sqft
2020-10-01 0 days 2,386 sqft
2020-11-01 0 days 2,034 sqft
2020-12-01 0 days 2,017 sqft
2021-01-01 0 days 1,958 sqft
2021-02-01 0 days 1,884 sqft
2021-03-01 0 days 1,794 sqft
2021-04-01 0 days 1,870 sqft
2021-05-01 0 days 1,602 sqft
2021-06-01 0 days 1,670 sqft
2021-07-01 0 days 1,760 sqft
2021-08-01 0 days 1,719 sqft
2021-09-01 0 days 1,673 sqft
2021-10-01 0 days 1,771 sqft
2021-11-01 0 days 1,634 sqft
2021-12-01 0 days 1,762 sqft
2022-01-01 0 days 1,878 sqft
2022-02-01 0 days 1,743 sqft
2022-03-01 0 days 1,846 sqft
2022-04-01 0 days 1,777 sqft
2022-05-01 0 days 1,692 sqft
Wilson's median listing age (time on market) for 2022-05-01 was 0 days.

Wilson's median square footage for active listings during the 2022-05-01 period was 1,692 sqft. One year prior, the average listing was 1,602 sqft.