Mount Pleasant VA Loan Rates, Closing Costs & Stats
Mount Pleasant, TX
A VA loan is a mortgage loan that’s backed by the Department of Veterans Affairs (VA) for those who have served or are presently serving in the U.S. military. The VA does not directly lend, it guarantees the loans made by private lenders to veterans, active military personnel, and qualifying military spouses.
The most obvious benefit of VA loans is that no downpayment is necessary to purchase a home. They will also typically have significantly lower fees-- meaning that if you're eligible to receive a VA loan, it will likely be the most favorable option. VA loans come in 3 varities: purchase, refinance and cash out refis.
For additional benefits of VA loans, click here.
Mount Pleasant's 17 lenders originated 30 VA loans during 2023. The total origination value was $10,830,000, with an average VA loan value of $361,000.
Mount Pleasant VA Loans, 30 Year Fixed Rates
30 Year VA mortgages in Mount Pleasant
averaged
6.13%
for the week of 2024-12-13, compared to the national average (all VA variants) of
6.077% for the same period.
Mount Pleasant's average VA mortgage closing costs are $6,038.
The average rate for the prior week (2024-12-06) was
6.27% and
one month ago for the week of 2024-11-08, the
average rate was 6.36%.
The average rate one year ago was 6.51%.
For refis of the same type during the week of 2024-12-13, the average rate
was 6.18%.
Mount Pleasant VA Loan Lenders by Rates & Fees
The below table looks at the average fees/closing costs and rates for VA 30 Year Fixed Rate (purchase, first lien) mortgages originated by each lender at the Mount Pleasant level.
Name | # of Loans | 2023 Avg. 30yFix Rate | 2023 Avg. Closing Costs |
---|---|---|---|
Mortgage Research Center, LLC | 9 | 7.11% | $5,472 |
UNITED WHOLESALE MORTGAGE, LLC | 4 | 6.54% | $5,226 |
PENNYMAC LOAN SERVICES, LLC | 2 | 5.44% | $4,851 |
FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 2 | 6.62% | $9,979 |
DRAPER AND KRAMER MORTGAGE CORP. | 1 | 5.63% | $6,279 |
GERSHMAN INVESTMENT CORP. | 1 | 5.88% | $1,622 |
GUARANTEED RATE, INC. | 1 | 6.25% | $12,516 |
AMERICAN PACIFIC MORTGAGE CORPORATION | 1 | 6.25% | $7,931 |
INTERLINC MORTGAGE SERVICES, LLC | 1 | 5.50% | $2,282 |
MORTGAGE FINANCIAL SERVICES, LLC | 1 | 5.75% | $18,077 |
NAVY FEDERAL CREDIT UNION | 1 | 4.88% | $3,530 |
QUICKEN LOANS, LLC | 1 | 6.13% | $10,066 |
SECURITYNATIONAL MORTGAGE COMPANY | 1 | 5.63% | $8,887 |
Guaranty Bank & Trust, N.A. | 1 | 6.63% | $2,678 |
Barrington Bank & Trust Company, N.A. | 1 | 6.13% | $14,607 |
BNC National Bank | 1 | 5.25% | $4,945 |
CROSSCOUNTRY MORTGAGE, LLC | 1 | 6.75% | $9,735 |
The top Mount Pleasant VA lender as defined by loan originations is Mortgage Research Center, LLC, with
9 VA loans originated. Their average total fees are
$5,472, which is $246
higher than the next largest lender,
UNITED WHOLESALE MORTGAGE, LLC.
The lowest fee Mount Pleasant VA lenders (with over 10 loans originated) are
.
The lowest rate Mount Pleasant VA lenders (with over 10 loans originated) are
.
Market Conditions (Median, Average Prices & Listing Count)
Realtor.com - Mount Pleasant (CBSA) retrieved from FRED, Federal Reserve Bank of St. LouisDate | Median Listing Price (YoY Change) | Average Listing Price (YoY) | MSA/US Median Price Ratio | Active Listings |
---|---|---|---|---|
2018-01-01 | $181,950 (4.0%) | $313,834 (-2.2%) | 0.00 | 219 |
2018-02-01 | $194,700 (8.8%) | $316,703 (-2.9%) | 0.00 | 224 |
2018-03-01 | $189,900 (1.5%) | $312,552 (-5.7%) | 0.00 | 249 |
2018-04-01 | $217,400 (16.6%) | $330,412 (0.8%) | 0.00 | 251 |
2018-05-01 | $227,450 (26.4%) | $340,051 (4.3%) | 0.00 | 265 |
2018-06-01 | $229,900 (23.9%) | $329,271 (6.4%) | 0.00 | 266 |
2018-07-01 | $222,400 (19.3%) | $332,738 (7.4%) | 0.00 | 238 |
2018-08-01 | $219,650 (13.2%) | $334,607 (5.4%) | 0.00 | 227 |
2018-09-01 | $229,950 (19.5%) | $360,105 (14.1%) | 0.00 | 234 |
2018-10-01 | $230,450 (14.4%) | $369,597 (13.2%) | 0.00 | 227 |
2018-11-01 | $224,975 (22.0%) | $378,408 (18.3%) | 0.00 | 211 |
2018-12-01 | $229,900 (24.4%) | $371,238 (18.4%) | 0.00 | 192 |
2019-01-01 | $227,475 (25.0%) | $395,642 (26.1%) | 0.00 | 183 |
2019-02-01 | $226,175 (16.2%) | $395,639 (24.9%) | 0.00 | 174 |
2019-03-01 | $244,450 (28.7%) | $401,377 (28.4%) | 0.00 | 171 |
2019-04-01 | $244,450 (12.4%) | $400,381 (21.2%) | 0.00 | 170 |
2019-05-01 | $270,700 (19.0%) | $422,098 (24.1%) | 0.00 | 173 |
2019-06-01 | $250,000 (8.7%) | $412,741 (25.4%) | 0.00 | 167 |
2019-07-01 | $229,100 (3.0%) | $319,615 (-3.9%) | 0.00 | 149 |
2019-08-01 | $227,070 (3.4%) | $332,978 (-0.5%) | 0.00 | 148 |
2019-09-01 | $223,501 (-2.8%) | $341,717 (-5.1%) | 0.00 | 149 |
2019-10-01 | $233,209 (1.2%) | $346,397 (-6.3%) | 0.00 | 145 |
2019-11-01 | $222,450 (-1.1%) | $284,495 (-24.8%) | 0.00 | 125 |
2019-12-01 | $248,225 (8.0%) | $294,307 (-20.7%) | 0.00 | 114 |
2020-01-01 | $242,450 (6.6%) | $285,636 (-27.8%) | 0.00 | 109 |
2020-02-01 | $239,900 (6.1%) | $289,359 (-26.9%) | 0.00 | 126 |
2020-03-01 | $223,850 (-8.4%) | $274,328 (-31.7%) | 0.00 | 128 |
2020-04-01 | $216,000 (-11.6%) | $263,888 (-34.1%) | 0.00 | 138 |
2020-05-01 | $217,000 (-19.8%) | $273,805 (-35.1%) | 0.00 | 132 |
2020-06-01 | $229,225 (-8.3%) | $295,057 (-28.5%) | 0.00 | 119 |
2020-07-01 | $225,000 (-1.8%) | $298,435 (-6.6%) | 0.00 | 111 |
2020-08-01 | $227,000 (0.0%) | $300,622 (-9.7%) | 0.00 | 95 |
2020-09-01 | $238,125 (6.5%) | $313,792 (-8.2%) | 0.00 | 82 |
2020-10-01 | $239,000 (2.5%) | $321,342 (-7.2%) | 0.00 | 78 |
2020-11-01 | $225,000 (1.2%) | $327,865 (15.2%) | 0.00 | 74 |
2020-12-01 | $232,175 (-6.5%) | $328,168 (11.5%) | 0.00 | 74 |
2021-01-01 | $249,999 (3.1%) | $378,630 (32.6%) | 0.00 | 71 |
2021-02-01 | $248,225 (3.5%) | $466,602 (61.3%) | 0.00 | 67 |
2021-03-01 | $254,900 (13.9%) | $419,669 (53.0%) | 0.00 | 58 |
2021-04-01 | $246,250 (14.0%) | $394,062 (49.3%) | 0.00 | 57 |
2021-05-01 | $272,400 (25.5%) | $402,474 (47.0%) | 0.00 | 54 |
2021-06-01 | $271,225 (18.3%) | $408,752 (38.5%) | 0.00 | 53 |
2021-07-01 | $270,400 (20.2%) | $389,879 (30.6%) | 0.00 | 56 |
2021-08-01 | $257,033 (13.2%) | $374,272 (24.5%) | 0.00 | 68 |
2021-09-01 | $267,625 (12.4%) | $430,711 (37.3%) | 0.00 | 77 |
2021-10-01 | $268,500 (12.3%) | $444,612 (38.4%) | 0.00 | 78 |
2021-11-01 | $277,450 (23.3%) | $407,428 (24.3%) | 0.00 | 68 |
2021-12-01 | $308,250 (32.8%) | $423,270 (29.0%) | 0.00 | 68 |
2022-01-01 | $314,000 (25.6%) | $453,340 (19.7%) | 0.00 | 66 |
2022-02-01 | $303,000 (22.1%) | $451,751 (-3.2%) | 0.00 | 59 |
2022-03-01 | $326,225 (28.0%) | $526,900 (25.6%) | 0.00 | 60 |
2022-04-01 | $359,500 (46.0%) | $585,176 (48.5%) | 0.00 | 66 |
2022-05-01 | $340,000 (24.8%) | $520,560 (29.3%) | 0.00 | 84 |
2022-06-01 | $349,225 (28.8%) | $508,782 (24.5%) | 0.00 | 97 |
2022-07-01 | $334,990 (23.9%) | $503,745 (29.2%) | 0.00 | 113 |
2022-08-01 | $334,945 (30.3%) | $467,227 (24.8%) | 0.00 | 130 |
2022-09-01 | $349,175 (30.5%) | $449,445 (4.4%) | 0.00 | 128 |
2022-10-01 | $266,900 (-0.6%) | $408,153 (-8.2%) | 0.00 | 146 |
2022-11-01 | $266,900 (-3.8%) | $397,040 (-2.6%) | 0.00 | 140 |
2022-12-01 | $266,900 (-13.4%) | $399,060 (-5.7%) | 0.00 | 132 |
2023-01-01 | $288,750 (-8.0%) | $387,834 (-14.5%) | 0.00 | 129 |
2023-02-01 | $289,000 (-4.6%) | $396,500 (-12.2%) | 0.00 | 129 |
2023-03-01 | $309,500 (-5.1%) | $422,274 (-19.9%) | 0.00 | 135 |
2023-04-01 | $345,000 (-4.0%) | $503,987 (-13.9%) | 0.00 | 148 |
2023-05-01 | $342,000 (0.6%) | $532,149 (2.2%) | 0.00 | 153 |
2023-06-01 | $364,950 (4.5%) | $534,106 (5.0%) | 0.00 | 159 |
2023-07-01 | $347,450 (3.7%) | $521,127 (3.5%) | 0.00 | 170 |
2023-08-01 | $338,975 (1.2%) | $502,339 (7.5%) | 0.00 | 171 |
2023-09-01 | $335,000 (-4.1%) | $488,198 (8.6%) | 0.00 | 165 |
2023-10-01 | $349,950 (31.1%) | $471,758 (15.6%) | 0.00 | 155 |
2023-11-01 | $349,950 (31.1%) | $483,670 (21.8%) | 0.00 | 146 |
2023-12-01 | $350,000 (31.1%) | $487,257 (22.1%) | 0.00 | 139 |
2024-01-01 | $338,675 (17.3%) | $481,762 (24.2%) | 0.00 | 139 |
2024-02-01 | $329,000 (13.8%) | $486,991 (22.8%) | 0.00 | 151 |
2024-03-01 | $329,450 (6.5%) | $490,503 (16.2%) | 0.00 | 159 |
2024-04-01 | $324,975 (-5.8%) | $482,807 (-4.2%) | 0.00 | 183 |
2024-05-01 | $326,000 (-4.7%) | $477,339 (-10.3%) | 0.00 | 201 |
2024-06-01 | $327,000 (-10.4%) | $472,520 (-11.5%) | 0.00 | 210 |
2024-07-01 | $325,000 (-6.5%) | $469,740 (-9.9%) | 0.00 | 210 |
2024-08-01 | $329,000 (-2.9%) | $449,097 (-10.6%) | 0.00 | 206 |
2024-09-01 | $343,650 (2.6%) | $465,026 (-4.8%) | 0.00 | 197 |
2024-10-01 | $342,425 (-2.2%) | $455,142 (-3.5%) | 0.00 | 194 |
2024-11-01 | $304,999 (-12.8%) | $428,064 (-11.5%) | 0.00 | 207 |
Mount Pleasant's median listing price comes in at 0% of the national average.
Mount Pleasant's average listing price for 2024-11-01 was $428,064, a difference of $-55,606 (-11.5%) versus the prior year and $-27,078 versus the prior month.
For the 2024-11-01 period, Mount Pleasant had 207 MLS listings, a difference of 13 listings (7%) versus the prior month and 61 listings (42%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - Mount Pleasant (CBSA) retrieved from FRED, Federal Reserve Bank of St. LouisDate | Median Listing Time on Market | Median Square Footage |
---|---|---|
2018-01-01 | 0 days | 2,126 sqft |
2018-02-01 | 0 days | 2,201 sqft |
2018-03-01 | 0 days | 2,136 sqft |
2018-04-01 | 0 days | 2,198 sqft |
2018-05-01 | 0 days | 2,212 sqft |
2018-06-01 | 0 days | 2,223 sqft |
2018-07-01 | 0 days | 2,257 sqft |
2018-08-01 | 0 days | 2,276 sqft |
2018-09-01 | 0 days | 2,329 sqft |
2018-10-01 | 0 days | 2,284 sqft |
2018-11-01 | 0 days | 2,262 sqft |
2018-12-01 | 0 days | 2,247 sqft |
2019-01-01 | 0 days | 2,240 sqft |
2019-02-01 | 0 days | 2,245 sqft |
2019-03-01 | 0 days | 2,221 sqft |
2019-04-01 | 0 days | 2,190 sqft |
2019-05-01 | 0 days | 2,319 sqft |
2019-06-01 | 0 days | 2,310 sqft |
2019-07-01 | 0 days | 2,191 sqft |
2019-08-01 | 0 days | 2,199 sqft |
2019-09-01 | 0 days | 2,174 sqft |
2019-10-01 | 0 days | 2,236 sqft |
2019-11-01 | 0 days | 2,253 sqft |
2019-12-01 | 0 days | 2,296 sqft |
2020-01-01 | 0 days | 2,204 sqft |
2020-02-01 | 0 days | 2,253 sqft |
2020-03-01 | 0 days | 2,080 sqft |
2020-04-01 | 0 days | 2,029 sqft |
2020-05-01 | 0 days | 2,075 sqft |
2020-06-01 | 0 days | 2,188 sqft |
2020-07-01 | 0 days | 2,254 sqft |
2020-08-01 | 0 days | 2,252 sqft |
2020-09-01 | 0 days | 2,370 sqft |
2020-10-01 | 0 days | 2,238 sqft |
2020-11-01 | 0 days | 2,194 sqft |
2020-12-01 | 0 days | 2,170 sqft |
2021-01-01 | 0 days | 2,258 sqft |
2021-02-01 | 0 days | 2,396 sqft |
2021-03-01 | 0 days | 2,264 sqft |
2021-04-01 | 0 days | 2,345 sqft |
2021-05-01 | 0 days | 2,339 sqft |
2021-06-01 | 0 days | 2,071 sqft |
2021-07-01 | 0 days | 2,097 sqft |
2021-08-01 | 0 days | 2,084 sqft |
2021-09-01 | 0 days | 2,012 sqft |
2021-10-01 | 0 days | 1,992 sqft |
2021-11-01 | 0 days | 2,067 sqft |
2021-12-01 | 0 days | 2,090 sqft |
2022-01-01 | 0 days | 2,058 sqft |
2022-02-01 | 0 days | 2,000 sqft |
2022-03-01 | 0 days | 2,008 sqft |
2022-04-01 | 0 days | 2,000 sqft |
2022-05-01 | 0 days | 2,000 sqft |
2022-06-01 | 0 days | 2,009 sqft |
2022-07-01 | 0 days | 2,024 sqft |
2022-08-01 | 0 days | 2,000 sqft |
2022-09-01 | 0 days | 2,000 sqft |
2022-10-01 | 0 days | 1,753 sqft |
2022-11-01 | 0 days | 1,771 sqft |
2022-12-01 | 0 days | 1,782 sqft |
2023-01-01 | 0 days | 1,796 sqft |
2023-02-01 | 0 days | 1,753 sqft |
2023-03-01 | 0 days | 1,888 sqft |
2023-04-01 | 0 days | 2,074 sqft |
2023-05-01 | 0 days | 2,055 sqft |
2023-06-01 | 0 days | 2,063 sqft |
2023-07-01 | 0 days | 2,069 sqft |
2023-08-01 | 0 days | 2,078 sqft |
2023-09-01 | 0 days | 2,065 sqft |
2023-10-01 | 0 days | 2,023 sqft |
2023-11-01 | 0 days | 2,009 sqft |
2023-12-01 | 0 days | 2,009 sqft |
2024-01-01 | 0 days | 2,002 sqft |
2024-02-01 | 0 days | 1,985 sqft |
2024-03-01 | 0 days | 2,006 sqft |
2024-04-01 | 0 days | 2,004 sqft |
2024-05-01 | 0 days | 2,015 sqft |
2024-06-01 | 0 days | 2,019 sqft |
2024-07-01 | 0 days | 2,010 sqft |
2024-08-01 | 0 days | 1,960 sqft |
2024-09-01 | 0 days | 1,950 sqft |
2024-10-01 | 0 days | 1,921 sqft |
2024-11-01 | 0 days | 1,855 sqft |
Mount Pleasant's median square footage for active listings during the 2024-11-01 period was 1,855 sqft. One year prior, the average listing was 2,009 sqft.