Wilson Mortgage Rates & Closing Costs

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

30 Year Fixed Rate mortgages in Wilson averaged 6.88% 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 6.81% and one month ago for the week of 2025-05-15, the average rate was 6.58%.

Wilson's average rate one year ago was 6.92%.

For refis of the same type during the week of 2025-06-18, the average rate was 6.71%.

Loan Type Date Rate
US 30 Year Fixed Rate 2025-06-18 6.81%
Wilson 30 Year Fixed Rate 2025-06-18 6.88%
Wilson 30 Year Fixed Rate Refi 2025-06-18 6.71%
Wilson 15 Year Fixed Rate 2025-06-18 5.76%
Wilson 15 Year Fixed Rate Refi 2025-06-18 6.06%
Wilson 30 Year FHA 2025-06-18 -0.37%
Wilson 30 Year FHA Refi 2025-06-18 0.1%
Wilson 30 Year USDA 2025-06-18 0.1%
Wilson 30 Year USDA Refi 2025-06-18 0.1%
Wilson 30 Year VA 2025-06-18 0.24%
Wilson 30 Year VA Refi 2025-06-18 0%
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 lender, 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 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
STATE EMPLOYEES' 85 6.36% $3,899
QUICKEN LOANS, LLC 33 6.72% $5,546
Integrity Home Mortgage Corp 25 6.85% $5,900
T2 FINANCIAL LLC 21 6.93% $6,920
Truist 21 6.42% $4,861
ATLANTIC BAY MORTGAGE GROUP, L.L.C. 14 6.77% $6,032
JPMorgan Chase Bank 12 6.25% $4,468
Southern Bank and Trust Company 11 6.59% $5,045
American Security Mortgage Corp. 11 6.77% $4,809
DHI MORTGAGE COMPANY, LTD. 10 5.95% $2,343
VELOCIO MORTGAGE L.L.C. 10 5.74% $3,217
First-Citizens Bank & Trust Company 8 6.41% $4,946
UNITED WHOLESALE MORTGAGE, LLC 8 6.43% $5,588
NAVY FEDERAL CREDIT UNION 6 6.69% $3,204
MOVEMENT MORTGAGE, LLC 6 6.90% $5,555
INTERCOASTAL MORTGAGE COMPANY 5 6.90% $4,676
Alcova Mortgage LLC 5 7.27% $4,666
NEWREZ LLC 5 6.30% $9,417
Bank of America 4 6.00% $2,685
Wells Fargo Bank 3 6.79% $4,113
Mr. Cooper ( Nationstar Mortgage ) 3 6.08% $6,917
ZILLOW HOME LOANS, LLC 3 7.04% $5,036
Mortgage Research Center, LLC 3 7.08% $5,444
LOCAL GOVERNMENT FEDERAL CREDIT UNION 3 8.30% $3,090
Flagstar Bank, FSB 3 6.88% $4,050
PNC Bank 3 6.33% $4,400
FREEDOM MORTGAGE CORPORATION 2 7.69% $7,564
CAPITAL CENTER, L.L.C. 2 6.31% $2,070
CMG MORTGAGE, INC. 2 6.63% $8,496
COASTAL Federal Credit Union 2 7.31% $5,663
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 2 6.68% $8,969
Gateway First Bank 2 6.75% $3,489
JAMS-01, INC. 2 6.81% $3,994
LOANDEPOT.COM, LLC 2 6.13% $6,594
MICHIGAN MUTUAL, INC. 2 6.25% $4,140
PRIMELENDING, A PLAINSCAPITAL COMPANY 2 7.31% $4,515
Stifel Bank and Trust 2 5.94% $2,707
The Central Trust Bank 2 7.75% $3,508
Towne Bank 2 5.94% $5,142
VANDERBILT MORTGAGE AND FINANCE, INC. 2 8.25% $5,873
HOMESPIRE MORTGAGE CORPORATION 1 6.50% $3,618
Fifth Third Bank 1 6.38% $2,235
EQUITY RESOURCES, INC. 1 6.50% $3,433
AMERICAN FINANCIAL RESOURCES, INC. 1 6.63% $5,513
DELMAR FINANCIAL COMPANY 1 6.38% $6,341
LATINO COMMUNITY CREDIT UNION 1 8.50% $4,020
United Community Bank 1 6.63% $6,771
Deere Employees Credit Union 1 5.74% $3,455
Ally Bank 1 5.38% $8,315
Morgan Stanley Private Bank 1 7.30% $3,220
MORIA DEVELOPMENT, INC. 1 6.99% $5,196
MORTGAGE INVESTORS GROUP, INC. 1 7.38% $3,595
CROSSCOUNTRY MORTGAGE, LLC 1 7.00% $5,255
CORNERSTONE HOME LENDING, INC. 1 7.13% $3,760
Centra Credit Union 1 6.88% $4,808
MUTUAL OF OMAHA MORTGAGE, INC. 1 7.13% $5,751
CANOPY MORTGAGE, LLC 1 6.88% $4,212
CALCON MUTUAL MORTGAGE LLC 1 7.63% $7,805
NFM, INC. 1 6.99% $5,513
Northpointe Bank 1 6.00% $14,301
Northwest Federal Credit Union 1 6.00% $2,938
ONY GLO, INC. 1 8.88% $4,316
Paramount Bank 1 6.38% $3,689
Paramount Residential Mortgage Group, Inc. 1 7.50% $6,270
PENNYMAC LOAN SERVICES, LLC 1 6.88% $12,614
PENTAGON FEDERAL CREDIT UNION 1 7.50% $3,799
Performance Financial, Inc. 1 8.63% $11,851
Pinnacle Bank 1 7.13% $3,644
BROKER SOLUTIONS, INC. 1 7.00% $8,585
POINT Mortgage 1 6.50% $3,373
PRIMARY RESIDENTIAL MORTGAGE, INC. 1 7.50% $5,730
AFFORDABLE MORTGAGE ADVISORS, LLC. 1 6.00% $4,485
Blue Ridge Bank 1 6.88% $5,753
RELIANCE FIRST CAPITAL, LLC 1 7.50% $8,229
ROYAL UNITED MORTGAGE LLC 1 7.25% $6,992
Sierra Pacific Mortgage Company, Inc. 1 6.63% $13,290
BETTER MORTGAGE CORPORATION 1 6.25% $2,639
South State Bank 1 6.00% $4,452
AMERICAN INTERNET MORTGAGE, INC. 1 6.38% $3,729
ALLIANT CREDIT UNION 1 6.13% $7,120
AMERICAN FINANCING CORPORATION 1 6.99% $3,958
V.I.P. MORTGAGE, INC. 1 6.38% $2,178
The Farmers National Bank of Canfield 1 6.63% $4,030
The Federal Savings Bank 1 7.88% $6,935
The Fidelity Bank 1 6.63% $3,319
AgCarolina Farm Credit, FLCA 1 7.62% $7,859
First Heritage Mortgage, LLC 1 5.98% $5,166
First National Bank of America 1 9.63% $10,434
First National Bank of Pennsylvania 1 6.88% $3,454
FIRST STATE MORTGAGE SERVICES, LLC 1 6.99% $3,643
FIRST BANCORP 1 7.38% $5,641
ACOPIA, LLC 1 6.63% $5,509
Towne Mortgage of the Carolinas, LLC 1 7.00% $4,193
GUARANTEED RATE, INC. 1 6.75% $6,244
HOMESIDE FINANCIAL, LLC 1 6.13% $6,569

Wilson Average Closing Costs & Other Stats

Wilson, NC's 95 lenders originated 1,533 loans during 2024. The total origination value was $335,795,000, with an average loan value of $219,044.

Wilson's average closing costs are $4,891.

The top Wilson lender as defined by loan originations is STATE EMPLOYEES', with 85 loans originated. Their average total fees are $3,899, which is $1,647 lower than the next largest lender, QUICKEN LOANS, LLC.

The lowest fee Wilson lenders (with over 10 loans originated) are DHI MORTGAGE COMPANY, LTD. ($2,343), VELOCIO MORTGAGE L.L.C. ($3,217), STATE EMPLOYEES' ($3,899), JPMorgan Chase Bank ($4,468) and American Security Mortgage Corp. ($4,809).

The lowest rate Wilson lenders (with over 10 loans originated) are VELOCIO MORTGAGE L.L.C. (5.74%), DHI MORTGAGE COMPANY, LTD. (5.95%), JPMorgan Chase Bank (6.25%), STATE EMPLOYEES' (6.36%) and Truist (6.42%).

Wilson, 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
Arbor Realty Trust, Inc. $41,815,000 n/a 12.5%
STATE EMPLOYEES' $44,715,000 $38,135,000 -14.7% 11.4%
VELOCIO MORTGAGE L.L.C. $3,125,000 $16,755,000 436.2% 5.0%
T2 FINANCIAL LLC $14,385,000 n/a 4.3%
Truist $11,065,000 $13,475,000 21.8% 4.0%
QUICKEN LOANS, LLC $12,400,000 $13,105,000 5.7% 3.9%
Southern Bank and Trust Company $14,680,000 $12,895,000 -12.2% 3.8%
UNITED WHOLESALE MORTGAGE, LLC $3,020,000 $10,185,000 237.3% 3.0%
Integrity Home Mortgage Corp $3,920,000 $9,980,000 154.6% 3.0%
DHI MORTGAGE COMPANY, LTD. $8,130,000 $9,020,000 10.9% 2.7%
First-Citizens Bank & Trust Company $7,475,000 $8,060,000 7.8% 2.4%
ATLANTIC BAY MORTGAGE GROUP, L.L.C. $15,105,000 $7,970,000 -47.2% 2.4%
Mortgage Research Center, LLC $6,555,000 $7,315,000 11.6% 2.2%
American Security Mortgage Corp. $4,225,000 $6,080,000 43.9% 1.8%
FREEDOM MORTGAGE CORPORATION $1,060,000 $4,720,000 345.3% 1.4%
VELOCITY COMMERCIAL CAPITAL, LLC $1,015,000 $4,645,000 357.6% 1.4%
PENNYMAC LOAN SERVICES, LLC $1,955,000 $4,095,000 109.5% 1.2%
NAVY FEDERAL CREDIT UNION $2,450,000 $3,290,000 34.3% 1.0%
Providence Bank $5,595,000 $2,760,000 -50.7% 0.8%
MOVEMENT MORTGAGE, LLC $3,125,000 $2,725,000 -12.8% 0.8%
JPMorgan Chase Bank $515,000 $2,715,000 427.2% 0.8%
CROSSCOUNTRY MORTGAGE, LLC $2,875,000 $2,585,000 -10.1% 0.8%
LENDINGHOME FUNDING CORPORATION $775,000 $2,550,000 229.0% 0.8%
LOANDEPOT.COM, LLC $1,785,000 $2,435,000 36.4% 0.7%
GUARANTEED RATE, INC. $2,620,000 $2,395,000 -8.6% 0.7%
PNC Bank $1,395,000 $2,385,000 71.0% 0.7%
AgCarolina Farm Credit, FLCA $930,000 $2,235,000 140.3% 0.7%
INTERCOASTAL MORTGAGE COMPANY $2,435,000 $2,210,000 -9.2% 0.7%
KS Bank, Inc. $1,805,000 $2,180,000 20.8% 0.6%
NEWREZ LLC $665,000 $2,075,000 212.0% 0.6%
CORNERSTONE HOME LENDING, INC. $1,575,000 $1,945,000 23.5% 0.6%
COASTAL Federal Credit Union $1,270,000 $1,820,000 43.3% 0.5%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $2,455,000 $1,780,000 -27.5% 0.5%
21ST MORTGAGE CORPORATION $305,000 $1,760,000 477.0% 0.5%
VILLAGE CAPITAL MORTGAGE $590,000 $1,740,000 194.9% 0.5%
LIMA ONE CAPITAL, LLC $1,160,000 $1,730,000 49.1% 0.5%
Mr. Cooper ( Nationstar Mortgage ) $1,655,000 $1,715,000 3.6% 0.5%
MORTGAGE SOLUTIONS OF COLORADO, LLC $505,000 $1,675,000 231.7% 0.5%
Towne Bank $640,000 $1,605,000 150.8% 0.5%
LOCAL GOVERNMENT FEDERAL CREDIT UNION $3,200,000 $1,500,000 -53.1% 0.4%
Bank of America $1,335,000 $1,495,000 12.0% 0.4%
LOANPAL, LLC $350,000 $1,340,000 282.9% 0.4%
Flagstar Bank, FSB $460,000 $1,335,000 190.2% 0.4%
Alcova Mortgage LLC $1,375,000 $1,280,000 -6.9% 0.4%
NEW DAY FINANCIAL, LLC $870,000 $1,225,000 40.8% 0.4%
Keystone Funding, Inc. $1,110,000 n/a 0.3%
SUMMIT FUNDING, INC. $1,110,000 n/a 0.3%
VANDERBILT MORTGAGE AND FINANCE, INC. $1,435,000 $1,105,000 -23.0% 0.3%
United Community Bank $1,090,000 n/a 0.3%
SELF-HELP Credit Union $115,000 $1,045,000 808.7% 0.3%
ZILLOW HOME LOANS, LLC $370,000 $1,040,000 181.1% 0.3%
AMWEST FUNDING CORP. $770,000 $1,035,000 34.4% 0.3%
Nicolet National Bank $1,005,000 n/a 0.3%
Carrington Mortgage Services, LLC $1,325,000 $975,000 -26.4% 0.3%
PRIMELENDING, A PLAINSCAPITAL COMPANY $320,000 $950,000 196.9% 0.3%
RELIANCE FIRST CAPITAL, LLC $795,000 $920,000 15.7% 0.3%
CMG MORTGAGE, INC. $1,060,000 $870,000 -17.9% 0.3%
Gateway First Bank $110,000 $870,000 690.9% 0.3%
First Bank $1,410,000 $865,000 -38.7% 0.3%
Wells Fargo Bank $1,840,000 $860,000 -53.3% 0.3%
FBC MORTGAGE, LLC $855,000 n/a 0.3%
GUILD MORTGAGE COMPANY $105,000 $840,000 700.0% 0.3%
First Heritage Mortgage, LLC $480,000 $825,000 71.9% 0.2%
BROKER SOLUTIONS, INC. $115,000 $805,000 600.0% 0.2%
MUTUAL OF OMAHA MORTGAGE, INC. $780,000 $790,000 1.3% 0.2%
NFM, INC. $1,775,000 $785,000 -55.8% 0.2%
Stifel Bank and Trust $730,000 n/a 0.2%
OAKTREE FUNDING CORP. $720,000 n/a 0.2%
EMM LOANS LLC $225,000 $700,000 211.1% 0.2%
First National Bank of Pennsylvania $1,220,000 $685,000 -43.9% 0.2%
Prosperity Home Mortgage, LLC $535,000 $685,000 28.0% 0.2%
MICHIGAN MUTUAL, INC. $165,000 $680,000 312.1% 0.2%
AFFORDABLE MORTGAGE ADVISORS, LLC. $670,000 n/a 0.2%
CAPITAL CENTER, L.L.C. $670,000 n/a 0.2%
TEMPLE VIEW CAPITAL FUNDING, LP $655,000 n/a 0.2%
Towne Mortgage of the Carolinas, LLC $1,605,000 $650,000 -59.5% 0.2%
Century Mortgage Company DBA Century Lending Company $225,000 $640,000 184.4% 0.2%
Performance Financial, Inc. $620,000 n/a 0.2%
U.S. Bank $615,000 n/a 0.2%
Northpointe Bank $455,000 $600,000 31.9% 0.2%
ROYAL UNITED MORTGAGE LLC $585,000 n/a 0.2%
UNION HOME MORTGAGE CORP. $125,000 $545,000 336.0% 0.2%
Deere Employees Credit Union $540,000 n/a 0.2%
OPEN MORTGAGE, LLC $540,000 n/a 0.2%
AMERISAVE MORTGAGE CORPORATION $755,000 $505,000 -33.1% 0.2%
Residential Acceptance Corporation $505,000 n/a 0.2%
POINT Mortgage $490,000 $500,000 2.0% 0.1%
AMERICAN FINANCIAL RESOURCES, INC. $250,000 $495,000 98.0% 0.1%
LATINO COMMUNITY CREDIT UNION $1,390,000 $485,000 -65.1% 0.1%
ABSOLUTE HOME MORTGAGE CORPORATION $475,000 n/a 0.1%
Atlantic Coast Mortgage, LLC $465,000 n/a 0.1%
SOUTHWEST STAGE FUNDING, LLC $350,000 $400,000 14.3% 0.1%
TOWER $400,000 n/a 0.1%
ALLIANT CREDIT UNION $390,000 n/a 0.1%
Texana Bank $390,000 n/a 0.1%
V.I.P. MORTGAGE, INC. $390,000 n/a 0.1%
AmRes Corporation $380,000 n/a 0.1%
PRIMARY RESIDENTIAL MORTGAGE, INC. $430,000 $360,000 -16.3% 0.1%
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. $235,000 $335,000 42.6% 0.1%
The Central Trust Bank $115,000 $330,000 187.0% 0.1%
USAA Federal Savings Bank $1,320,000 $330,000 -75.0% 0.1%
MORIA DEVELOPMENT, INC. $325,000 n/a 0.1%
The Farmers National Bank of Canfield $325,000 n/a 0.1%
PLAZA HOME MORTGAGE, INC. $315,000 n/a 0.1%
Equity Prime Mortgage LLC $1,090,000 $310,000 -71.6% 0.1%
AMERICAN INTERNET MORTGAGE, INC. $305,000 n/a 0.1%
Barrington Bank & Trust Company, N.A. $850,000 $305,000 -64.1% 0.1%
MORTGAGE INVESTORS GROUP, INC. $305,000 n/a 0.1%
TOWNE MORTGAGE COMPANY $305,000 n/a 0.1%
CARDINAL FINANCIAL $460,000 $290,000 -37.0% 0.1%
ACOPIA, LLC $285,000 n/a 0.1%
DELMAR FINANCIAL COMPANY $225,000 $285,000 26.7% 0.1%
JAMS-01, INC. $280,000 n/a 0.1%
RF Renovo Management Company, LLC $1,595,000 $280,000 -82.4% 0.1%
FIRST STATE MORTGAGE SERVICES, LLC $275,000 n/a 0.1%
North State Bank $390,000 $270,000 -30.8% 0.1%
American Mortgage & Equity Consultants, Inc. $265,000 n/a 0.1%
HOMESPIRE MORTGAGE CORPORATION $435,000 $255,000 -41.4% 0.1%
HOWARD HANNA FINANCIAL SERVICES, INC. $255,000 n/a 0.1%
South State Bank $400,000 $255,000 -36.3% 0.1%
Loan Simple, Inc. $250,000 n/a 0.1%
Discover Bank $260,000 $245,000 -5.8% 0.1%
The Fidelity Bank $245,000 n/a 0.1%
EQUITY RESOURCES, INC. $465,000 $235,000 -49.5% 0.1%
FIRST COLONY MORTGAGE CORPORATION $235,000 n/a 0.1%
GoPrime Mortgage, Inc. $970,000 $235,000 -75.8% 0.1%
HOMESIDE FINANCIAL, LLC $670,000 $235,000 -64.9% 0.1%
HOMEXPRESS MORTGAGE CORP. $125,000 $235,000 88.0% 0.1%
UNIVERSITY Federal Credit Union $235,000 n/a 0.1%
Pinnacle Bank $34,345,000 $225,000 -99.3% 0.1%
AmeriHome Mortgage Company, LLC $215,000 n/a 0.1%
First National Bank of America $370,000 $215,000 -41.9% 0.1%
Sierra Pacific Mortgage Company, Inc. $215,000 n/a 0.1%
RUOFF MORTGAGE COMPANY, INC. $210,000 n/a 0.1%
FIRST BANCORP $205,000 n/a 0.1%
Blue Ridge Bank $490,000 $195,000 -60.2% 0.1%
CALCON MUTUAL MORTGAGE LLC $135,000 $195,000 44.4% 0.1%
GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION $195,000 n/a 0.1%
Lakeview Community Capital, LLC $335,000 $195,000 -41.8% 0.1%
Morgan Stanley Private Bank $195,000 n/a 0.1%
PENTAGON FEDERAL CREDIT UNION $125,000 $190,000 52.0% 0.1%
Bank of England $185,000 n/a 0.1%
ONY GLO, INC. $185,000 n/a 0.1%
SeaTrust Mortgage Company $175,000 $185,000 5.7% 0.1%
CLEARPATH LENDING $385,000 $175,000 -54.5% 0.1%
MY MORTGAGE, INC. $175,000 n/a 0.1%
Paramount Bank $175,000 n/a 0.1%
STOCKTON MORTGAGE CORPORATION $175,000 n/a 0.1%
1ST SIGNATURE LENDING, LLC $165,000 n/a 0.0%
BETTER MORTGAGE CORPORATION $165,000 n/a 0.0%
LONGBRIDGE FINANCIAL, LLC $165,000 n/a 0.0%
Northwest Federal Credit Union $165,000 n/a 0.0%
Ally Bank $155,000 n/a 0.0%
DOMINION FINANCIAL SERVICES, LLC $155,000 n/a 0.0%
Fifth Third Bank $155,000 n/a 0.0%
PLANET HOME LENDING, LLC $415,000 $155,000 -62.7% 0.0%
The Federal Savings Bank $245,000 $155,000 -36.7% 0.0%
Paramount Residential Mortgage Group, Inc. $490,000 $145,000 -70.4% 0.0%
Centra Credit Union $125,000 n/a 0.0%
TOP FLITE FINANCIAL, INC. $515,000 $115,000 -77.7% 0.0%
HOMEBRIDGE FINANCIAL SERVICES, INC. $200,000 $110,000 -45.0% 0.0%
CANOPY MORTGAGE, LLC $105,000 n/a 0.0%
Nations Lending Corporation $685,000 $105,000 -84.7% 0.0%
United States Senate Federal Credit Union $105,000 n/a 0.0%
AMERICAN HERITAGE LENDING, INC. $220,000 $95,000 -56.8% 0.0%
MILLENNIUM FINANCIAL GROUP, INC. $95,000 n/a 0.0%
SUCCESS MORTGAGE PARTNERS, INC. $135,000 $95,000 -29.6% 0.0%
FINANCE OF AMERICA REVERSE LLC $105,000 $85,000 -19.0% 0.0%
SHARONVIEW FEDERAL CREDIT UNION $75,000 n/a 0.0%
Figure Lending LLC $240,000 $70,000 -70.8% 0.0%
Coastal Community Bank $65,000 n/a 0.0%
The Loan Store, Inc. $65,000 n/a 0.0%
TRIAD FINANCIAL SERVICES, INC. $125,000 $65,000 -48.0% 0.0%
AMERICAN FINANCING CORPORATION $105,000 $55,000 -47.6% 0.0%
CSL Financial, LLC $55,000 n/a 0.0%
United Bank $2,000,000 $50,000 -97.5% 0.0%
Bethpage Federal Credit Union $35,000 n/a 0.0%
NATIONAL INSTITUTES OF HEALTH FEDERAL CREDIT UNION $35,000 n/a 0.0%
State Department Federal Credit Union $25,000 n/a 0.0%
Regions Bank $15,000 n/a 0.0%

Wilson's top lender by overall market share is Arbor Realty Trust, Inc., with 12.5% market share. In second place, with 11.4%, is STATE EMPLOYEES', having originated $38,135,000 in loans. In third place, with 5.0%, is VELOCIO MORTGAGE L.L.C., having originated $16,755,000 in loans. In fourth place, with 4.3%, is T2 FINANCIAL LLC, having originated $14,385,000 in loans. In fifth place, with 4.0%, is Truist, having originated $13,475,000 in loans.

Wilson, NC Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 835 $196,475,000 $235,299
Cash Out Refi 196 $79,290,000 $404,541
Refi 185 $34,395,000 $185,919
Other 161 $13,545,000 $84,130
Home Improvement 156 $12,090,000 $77,500

Wilson's most frequently cited loan purpose was Home Purchase, with 835 originations. The 2nd most popular reason was Cash Out Refi, with 196 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
6-7% 534 $166,630,000 $312,041
7-8% 418 $59,970,000 $143,469
5-6% 244 $55,320,000 $226,721
Over 8% 210 $28,010,000 $133,381
4-5% 49 $13,595,000 $277,449
<2.5% 26 $370,000 $14,231
3-4% 22 $6,350,000 $288,636
2.5-3% 2 $560,000 $280,000

During 2024, Wilson's most frequently originated rate bucket was 6-7%, with 534 originations.

Loan Sizing (Wilson, NC MSA)

Loan Size Originations Total Value Average Loan
$200k-400k 579 $158,315,000 $273,428
$100k-200k 465 $68,595,000 $147,516
$100,000 or less 408 $22,390,000 $54,877
$400k-600k 56 $25,670,000 $458,393
$600k-1000k 19 $12,975,000 $682,895
$Over $1MM 6 $47,850,000 $7,975,000

Wilson's loan sizing saw the bucket of loans from $200k-400k with 579 originations, totaling $158,315,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 639 $162,015,000 $253,545
60-80% 313 $110,295,000 $352,380
20-40% 197 $17,085,000 $86,726
Under 20% 185 $7,175,000 $38,784
40-60% 126 $18,760,000 $148,889
Over 100% 23 $7,545,000 $328,043

Wilson's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 639 originations, totaling $162,015,000 in origination value.