Charleston - Mattoon Mortgage Rates & Closing Costs

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  • Trends
  • Rates vs. Fees
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  • Loan Attributes
    • 30yr Fixed Rate 15yr Fixed Rate FHA USDA VA 5/1 ARM

    30 Year Fixed Rate mortgages in Charleston - Mattoon averaged 6.88% for the week of 2025-04-10, compared to the national average of 6.62% for the same period.

    The average rate for the prior week (2025-04-03) was 6.8% and one month ago for the week of 2025-03-06, the average rate was 6.49%.

    Charleston - Mattoon's average rate one year ago was 6.68%.

    For refis of the same type during the week of 2025-04-10, the average rate was 6.72%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2025-04-10 6.62%
    Charleston - Mattoon 30 Year Fixed Rate 2025-04-10 6.88%
    Charleston - Mattoon 30 Year Fixed Rate Refi 2025-04-10 6.72%
    Charleston - Mattoon 15 Year Fixed Rate 2025-04-10 5.72%
    Charleston - Mattoon 15 Year Fixed Rate Refi 2025-04-10 5.82%
    Charleston - Mattoon 30 Year FHA 2025-04-10 6.23%
    Charleston - Mattoon 30 Year FHA Refi 2025-04-10 6.33%
    Charleston - Mattoon 30 Year USDA 2025-04-10 6.25%
    Charleston - Mattoon 30 Year USDA Refi 2025-04-10 6.25%
    Charleston - Mattoon 30 Year VA 2025-04-10 6.19%
    Charleston - Mattoon 30 Year VA Refi 2025-04-10 6.39%
    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Charleston-Mattoon, IL.

    Charleston - Mattoon 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 Charleston-Mattoon, IL 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
    First Mid Bank & Trust 70 6.68% $2,138
    Prairie State Bank and Trust 26 6.50% $1,839
    QUICKEN LOANS, LLC 18 6.95% $4,524
    FLAT BRANCH MORTGAGE, INC. 16 6.79% $3,078
    BROKER SOLUTIONS, INC. 9 7.23% $3,700
    First Financial Bank 8 6.67% $2,805
    U.S. Bank 8 6.97% $2,564
    CROSSCOUNTRY MORTGAGE, LLC 4 7.02% $3,167
    Farm Credit Mid-America, ACA 4 7.13% $5,420
    Petefish, Skiles & Co. 4 6.66% $3,102
    Midland States Bank 4 7.38% $2,595
    NAVY FEDERAL CREDIT UNION 3 6.63% $2,230
    ZILLOW HOME LOANS, LLC 3 7.42% $3,555
    Community Mortgage Banc Corporation 3 6.58% $2,904
    Busey Bank 3 6.71% $2,366
    ROYAL UNITED MORTGAGE LLC 2 7.19% $6,389
    CITIZENS EQUITY FIRST 2 6.81% $1,420
    Fifth Third Bank 2 6.25% $2,743
    JPMorgan Chase Bank 2 7.68% $2,185
    First National Bank of Waterloo 1 6.50% $2,525
    Heartland Bank and Trust Company 1 7.13% $2,621
    ILLINOIS STATE CREDIT UNION 1 6.25% $2,048
    Arvest Bank 1 7.13% $4,401
    LAKEVIEW LOAN SERVICING, LLC 1 7.63% $7,016
    LOANDEPOT.COM, LLC 1 6.63% $6,291
    First Farmers Bank and Trust Company 1 6.63% $2,044
    Mortgage Research Center, LLC 1 6.63% $8,598
    Morton Community Bank 1 6.00% $2,276
    MUTUAL OF OMAHA MORTGAGE, INC. 1 6.99% $3,342
    Nations Lending Corporation 1 5.50% $8,851
    NATIONWIDE MORTGAGE BANKERS, INC. 1 6.99% $4,189
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 1 7.75% $3,414
    Northwest Bank 1 6.75% $3,281
    PENNYMAC LOAN SERVICES, LLC 1 7.12% $6,142
    Discover Bank 1 6.98% $0
    PNC Bank 1 6.50% $2,423
    POINT Mortgage 1 6.63% $3,491
    DECATUR EARTHMOVER CREDIT UNION 1 6.60% $2,354
    PREMIA MORTGAGE, LLC 1 7.63% $962
    PRIMELENDING, A PLAINSCAPITAL COMPANY 1 7.49% $3,662
    CORPORATE AMERICA FAMILY 1 6.63% $3,385
    AFFORDABLE MORTGAGE ADVISORS, LLC. 1 6.38% $2,910
    RUOFF MORTGAGE COMPANY, INC. 1 6.50% $2,858
    The Huntington National Bank 1 6.85% $2,751
    Truist 1 7.63% $2,035
    UNITED WHOLESALE MORTGAGE, LLC 1 7.63% $2,068
    CHURCHILL MORTGAGE CORPORATION 1 6.63% $4,000
    Flagstar Bank, FSB 1 7.63% $3,224

    Charleston - Mattoon Average Closing Costs & Other Stats

    Charleston-Mattoon, IL's 48 lenders originated 621 loans during 2024. The total origination value was $82,585,000, with an average loan value of $132,987.

    Charleston - Mattoon's average closing costs are $3,336.

    The top Charleston - Mattoon lender as defined by loan originations is First Mid Bank & Trust, with 70 loans originated. Their average total fees are $2,138, which is $299 higher than the next largest lender, Prairie State Bank and Trust.

    The lowest fee Charleston - Mattoon lenders (with over 10 loans originated) are Prairie State Bank and Trust ($1,839), First Mid Bank & Trust ($2,138), FLAT BRANCH MORTGAGE, INC. ($3,078), QUICKEN LOANS, LLC ($4,524) and .

    The lowest rate Charleston - Mattoon lenders (with over 10 loans originated) are Prairie State Bank and Trust (6.50%), First Mid Bank & Trust (6.68%), FLAT BRANCH MORTGAGE, INC. (6.79%), QUICKEN LOANS, LLC (6.95%) and .

    Charleston-Mattoon, IL 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
    First Mid Bank & Trust $13,265,000 $22,485,000 69.5% 27.2%
    Prairie State Bank and Trust $3,265,000 $5,145,000 57.6% 6.2%
    FLAT BRANCH MORTGAGE, INC. $6,380,000 $4,520,000 -29.2% 5.5%
    QUICKEN LOANS, LLC $4,320,000 $4,425,000 2.4% 5.4%
    Mortgage Research Center, LLC $3,680,000 $3,350,000 -9.0% 4.1%
    BROKER SOLUTIONS, INC. $320,000 $3,265,000 920.3% 4.0%
    Dieterich Bank $1,135,000 $2,505,000 120.7% 3.0%
    U.S. Bank $620,000 $2,065,000 233.1% 2.5%
    PENNYMAC LOAN SERVICES, LLC $525,000 $2,060,000 292.4% 2.5%
    FREEDOM MORTGAGE CORPORATION $195,000 $1,585,000 712.8% 1.9%
    UNITED WHOLESALE MORTGAGE, LLC $380,000 $1,505,000 296.1% 1.8%
    First Financial Bank $115,000 $1,465,000 1,173.9% 1.8%
    CROSSCOUNTRY MORTGAGE, LLC $1,725,000 $1,405,000 -18.6% 1.7%
    Bank of Hillsboro $1,320,000 n/a 1.6%
    Farm Credit Mid-America, ACA $480,000 $1,260,000 162.5% 1.5%
    First State Bank $75,000 $1,260,000 1,580.0% 1.5%
    Midland States Bank $475,000 $985,000 107.4% 1.2%
    Community Mortgage Banc Corporation $1,020,000 $900,000 -11.8% 1.1%
    Fifth Third Bank $1,175,000 $850,000 -27.7% 1.0%
    Mr. Cooper ( Nationstar Mortgage ) $785,000 n/a 1.0%
    NAVY FEDERAL CREDIT UNION $845,000 $735,000 -13.0% 0.9%
    The Huntington National Bank $210,000 $710,000 238.1% 0.9%
    MUTUAL OF OMAHA MORTGAGE, INC. $705,000 n/a 0.9%
    TRIAD FINANCIAL SERVICES, INC. $1,295,000 $705,000 -45.6% 0.9%
    Busey Bank $565,000 $695,000 23.0% 0.8%
    Petefish, Skiles & Co. $95,000 $640,000 573.7% 0.8%
    1786 $1,245,000 $620,000 -50.2% 0.8%
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION $540,000 $605,000 12.0% 0.7%
    GERSHMAN INVESTMENT CORP. $430,000 $570,000 32.6% 0.7%
    Iroquois Federal Savings and Loan Association $4,700,000 $560,000 -88.1% 0.7%
    ZILLOW HOME LOANS, LLC $315,000 $540,000 71.4% 0.7%
    ROYAL UNITED MORTGAGE LLC $85,000 $455,000 435.3% 0.6%
    CITIZENS EQUITY FIRST $160,000 $435,000 171.9% 0.5%
    VILLAGE CAPITAL MORTGAGE $285,000 $420,000 47.4% 0.5%
    PRIMELENDING, A PLAINSCAPITAL COMPANY $370,000 n/a 0.4%
    Arvest Bank $350,000 $365,000 4.3% 0.4%
    LAKEVIEW LOAN SERVICING, LLC $175,000 $340,000 94.3% 0.4%
    Heritage Bank $325,000 n/a 0.4%
    NEW DAY FINANCIAL, LLC $165,000 $320,000 93.9% 0.4%
    HOMESIDE FINANCIAL, LLC $315,000 n/a 0.4%
    Heartland Bank and Trust Company $1,010,000 $310,000 -69.3% 0.4%
    PNC Bank $165,000 $310,000 87.9% 0.4%
    PREMIA MORTGAGE, LLC $295,000 n/a 0.4%
    Morton Community Bank $2,140,000 $275,000 -87.1% 0.3%
    STOCKTON MORTGAGE CORPORATION $255,000 n/a 0.3%
    VANDERBILT MORTGAGE AND FINANCE, INC. $580,000 $250,000 -56.9% 0.3%
    Wells Fargo Bank $570,000 $250,000 -56.1% 0.3%
    AXIA FINANCIAL, LLC $245,000 n/a 0.3%
    JPMorgan Chase Bank $510,000 $245,000 -52.0% 0.3%
    USAA Federal Savings Bank $695,000 $225,000 -67.6% 0.3%
    First Farmers Bank and Trust Company $255,000 $215,000 -15.7% 0.3%
    Nations Lending Corporation $330,000 $215,000 -34.8% 0.3%
    Discover Bank $65,000 $210,000 223.1% 0.3%
    United Community Bank $595,000 $210,000 -64.7% 0.3%
    The Peoples State Bank of Newton, Illinois $205,000 n/a 0.2%
    Bankers' Bank $195,000 n/a 0.2%
    Carrington Mortgage Services, LLC $520,000 $195,000 -62.5% 0.2%
    POINT Mortgage $195,000 n/a 0.2%
    Flanagan State Bank $180,000 n/a 0.2%
    First National Bank of Pana $400,000 $175,000 -56.3% 0.2%
    Prospect Bank $275,000 $170,000 -38.2% 0.2%
    American Mortgage & Equity Consultants, Inc. $165,000 n/a 0.2%
    NBKC BANK $225,000 $165,000 -26.7% 0.2%
    Bank of Springfield $125,000 $160,000 28.0% 0.2%
    First National Bank of Waterloo $805,000 $155,000 -80.7% 0.2%
    PLANET HOME LENDING, LLC $155,000 n/a 0.2%
    Northwest Bank $145,000 n/a 0.2%
    Truist $145,000 n/a 0.2%
    GUILD MORTGAGE COMPANY $135,000 n/a 0.2%
    ILLINOIS STATE CREDIT UNION $135,000 n/a 0.2%
    Regions Bank $135,000 n/a 0.2%
    Figure Lending LLC $125,000 $130,000 4.0% 0.2%
    Flagstar Bank, FSB $310,000 $130,000 -58.1% 0.2%
    DECATUR EARTHMOVER CREDIT UNION $125,000 $125,000 0.0% 0.2%
    First State Bank of Forrest $125,000 n/a 0.2%
    Scott State Bank $105,000 $125,000 19.0% 0.2%
    LOANDEPOT.COM, LLC $115,000 n/a 0.1%
    Coastal Community Bank $110,000 n/a 0.1%
    FIRST STATE MORTGAGE SERVICES, LLC $350,000 $105,000 -70.0% 0.1%
    Municipal Trust and Savings Bank $105,000 n/a 0.1%
    BMO Harris Bank $95,000 n/a 0.1%
    The Fisher National Bank $665,000 $95,000 -85.7% 0.1%
    EVANSVILLE TEACHERS $100,000 $85,000 -15.0% 0.1%
    Mid-Continent Funding, Inc. $85,000 n/a 0.1%
    MLD MORTGAGE INC. $85,000 n/a 0.1%
    RUOFF MORTGAGE COMPANY, INC. $460,000 $85,000 -81.5% 0.1%
    21ST MORTGAGE CORPORATION $155,000 $75,000 -51.6% 0.1%
    PENTAGON FEDERAL CREDIT UNION $75,000 n/a 0.1%
    CORPORATE AMERICA FAMILY $65,000 n/a 0.1%
    NATIONWIDE MORTGAGE BANKERS, INC. $65,000 n/a 0.1%
    UNIVERSITY OF ILLINOIS COMMUNITY $65,000 n/a 0.1%
    Credit Union 1 $60,000 n/a 0.1%
    AFFORDABLE MORTGAGE ADVISORS, LLC. $55,000 n/a 0.1%
    CHURCHILL MORTGAGE CORPORATION $55,000 n/a 0.1%
    Buena Vista National Bank $35,000 n/a 0.0%

    Charleston - Mattoon's top lender by overall market share is First Mid Bank & Trust, with 27.2% market share. In second place, with 6.2%, is Prairie State Bank and Trust, having originated $5,145,000 in loans. In third place, with 5.5%, is FLAT BRANCH MORTGAGE, INC., having originated $4,520,000 in loans. In fourth place, with 5.4%, is QUICKEN LOANS, LLC, having originated $4,425,000 in loans. In fifth place, with 4.1%, is Mortgage Research Center, LLC, having originated $3,350,000 in loans.

    Charleston - Mattoon Housing Market Trends (Median, Average Prices & Listing Count)

    Realtor.com - Charleston - Mattoon (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 $79,900 (0.0%) $116,210 (9.2%) 0.00 211
    2018-02-01 $79,900 (-3.4%) $113,290 (0.8%) 0.00 226
    2018-03-01 $84,250 (-0.5%) $117,764 (3.9%) 0.00 243
    2018-04-01 $89,250 (6.6%) $122,585 (9.2%) 0.00 247
    2018-05-01 $90,550 (13.3%) $121,626 (9.3%) 0.00 254
    2018-06-01 $95,000 (17.3%) $121,778 (5.7%) 0.00 276
    2018-07-01 $93,900 (10.9%) $119,170 (-2.1%) 0.00 294
    2018-08-01 $92,850 (9.8%) $119,307 (-3.9%) 0.00 302
    2018-09-01 $89,900 (6.5%) $117,708 (-4.7%) 0.00 297
    2018-10-01 $86,150 (7.8%) $115,839 (-1.8%) 0.00 273
    2018-11-01 $89,800 (8.0%) $117,127 (-1.9%) 0.00 268
    2018-12-01 $85,000 (6.4%) $114,309 (-3.5%) 0.00 256
    2019-01-01 $83,650 (4.7%) $111,885 (-3.7%) 0.00 253
    2019-02-01 $83,900 (5.0%) $114,055 (0.7%) 0.00 257
    2019-03-01 $85,714 (1.7%) $118,112 (0.3%) 0.00 241
    2019-04-01 $86,250 (-3.4%) $120,833 (-1.4%) 0.00 222
    2019-05-01 $92,225 (1.9%) $126,545 (4.0%) 0.00 219
    2019-06-01 $94,000 (-1.1%) $124,049 (1.9%) 0.00 227
    2019-07-01 $99,125 (5.6%) $122,318 (2.6%) 0.00 269
    2019-08-01 $101,600 (9.4%) $120,754 (1.2%) 0.00 273
    2019-09-01 $104,750 (16.5%) $120,210 (2.1%) 0.00 270
    2019-10-01 $106,000 (23.0%) $119,717 (3.4%) 0.00 263
    2019-11-01 $96,750 (7.7%) $117,082 (0.0%) 0.00 241
    2019-12-01 $89,900 (5.8%) $114,294 (0.0%) 0.00 230
    2020-01-01 $89,500 (7.0%) $114,607 (2.4%) 0.00 214
    2020-02-01 $89,500 (6.7%) $112,168 (-1.7%) 0.00 202
    2020-03-01 $99,500 (16.1%) $119,981 (1.6%) 0.00 194
    2020-04-01 $95,450 (10.7%) $121,188 (0.3%) 0.00 189
    2020-05-01 $94,450 (2.4%) $123,930 (-2.1%) 0.00 175
    2020-06-01 $97,400 (3.6%) $122,054 (-1.6%) 0.00 165
    2020-07-01 $92,750 (-6.4%) $119,791 (-2.1%) 0.00 170
    2020-08-01 $92,250 (-9.2%) $116,050 (-3.9%) 0.00 163
    2020-09-01 $89,225 (-14.8%) $111,062 (-7.6%) 0.00 145
    2020-10-01 $87,000 (-17.9%) $113,473 (-5.2%) 0.00 147
    2020-11-01 $84,700 (-12.5%) $106,268 (-9.2%) 0.00 152
    2020-12-01 $80,175 (-10.8%) $101,426 (-11.3%) 0.00 126
    2021-01-01 $79,000 (-11.7%) $101,619 (-11.3%) 0.00 114
    2021-02-01 $83,800 (-6.4%) $108,978 (-2.8%) 0.00 98
    2021-03-01 $84,900 (-14.7%) $117,327 (-2.2%) 0.00 91
    2021-04-01 $87,925 (-7.9%) $124,159 (2.5%) 0.00 79
    2021-05-01 $84,900 (-10.1%) $127,318 (2.7%) 0.00 65
    2021-06-01 $84,900 (-12.8%) $130,020 (6.5%) 0.00 73
    2021-07-01 $84,900 (-8.5%) $125,271 (4.6%) 0.00 78
    2021-08-01 $79,975 (-13.3%) $113,839 (-1.9%) 0.00 85
    2021-09-01 $79,500 (-10.9%) $114,198 (2.8%) 0.00 77
    2021-10-01 $82,000 (-5.8%) $138,755 (22.3%) 0.00 87
    2021-11-01 $84,925 (0.3%) $139,116 (30.9%) 0.00 96
    2021-12-01 $84,425 (5.3%) $138,395 (36.5%) 0.00 75
    2022-01-01 $81,000 (2.5%) $134,567 (32.4%) 0.00 71
    2022-02-01 $74,925 (-10.6%) $125,657 (15.3%) 0.00 73
    2022-03-01 $70,675 (-16.8%) $131,671 (12.2%) 0.00 71
    2022-04-01 $77,000 (-12.4%) $142,902 (15.1%) 0.00 64
    2022-05-01 $84,925 (0.0%) $151,963 (19.4%) 0.00 62
    2022-06-01 $75,750 (-10.8%) $149,386 (14.9%) 0.00 56
    2022-07-01 $84,700 (-0.2%) $137,184 (9.5%) 0.00 64
    2022-08-01 $84,925 (6.2%) $162,116 (42.4%) 0.00 67
    2022-09-01 $89,675 (12.8%) $179,438 (57.1%) 0.00 71
    2022-10-01 $107,450 (31.0%) $177,352 (27.8%) 0.00 81
    2022-11-01 $109,500 (28.9%) $172,543 (24.0%) 0.00 74
    2022-12-01 $114,900 (36.1%) $190,147 (37.4%) 0.00 72
    2023-01-01 $121,800 (50.4%) $215,348 (60.0%) 0.00 69
    2023-02-01 $113,650 (51.7%) $218,230 (73.7%) 0.00 55
    2023-03-01 $134,725 (90.6%) $237,550 (80.4%) 0.00 53
    2023-04-01 $130,000 (68.8%) $239,387 (67.5%) 0.00 46
    2023-05-01 $139,950 (64.8%) $227,906 (50.0%) 0.00 44
    2023-06-01 $158,250 (108.9%) $239,989 (60.7%) 0.00 38
    2023-07-01 $155,000 (83.0%) $219,743 (60.2%) 0.00 44
    2023-08-01 $162,225 (91.0%) $232,431 (43.4%) 0.00 50
    2023-09-01 $144,500 (61.1%) $192,844 (7.5%) 0.00 61
    2023-10-01 $134,925 (25.6%) $171,180 (-3.5%) 0.00 64
    2023-11-01 $152,400 (39.2%) $172,971 (0.3%) 0.00 60
    2023-12-01 $136,500 (18.8%) $164,474 (-13.5%) 0.00 48
    2024-01-01 $109,250 (-10.3%) $154,647 (-28.2%) 0.00 33
    2024-02-01 $128,750 (13.3%) $163,386 (-25.1%) 0.00 37
    2024-03-01 $109,000 (-19.1%) $158,070 (-33.5%) 0.00 45
    2024-04-01 $105,000 (-19.2%) $136,267 (-43.1%) 0.00 41
    2024-05-01 $114,900 (-17.9%) $150,524 (-34.0%) 0.00 34
    2024-06-01 $124,900 (-21.1%) $162,113 (-32.5%) 0.00 41
    2024-07-01 $129,600 (-16.4%) $159,214 (-27.6%) 0.00 45
    2024-08-01 $131,250 (-19.1%) $154,961 (-33.3%) 0.00 46
    2024-09-01 $129,600 (-10.3%) $162,599 (-15.7%) 0.00 54
    2024-10-01 $142,700 (5.8%) $175,146 (2.3%) 0.00 55
    2024-11-01 $144,900 (-4.9%) $188,229 (8.8%) 0.00 65
    2024-12-01 $145,000 (6.2%) $192,905 (17.3%) 0.00 62
    2025-01-01 $144,400 (32.2%) $188,777 (22.1%) 0.00 60
    2025-02-01 $134,750 (4.7%) $196,311 (20.2%) 0.00 73
    2025-03-01 $145,900 (33.9%) $212,802 (34.6%) 0.00 53
    Charleston - Mattoon's median listing price for 2025-03-01 was $145,900, a difference of $36,900 (33.9%) versus the prior year and $11,150 versus the prior month.

    Charleston - Mattoon's median listing price comes in at 0% of the national average.

    Charleston - Mattoon's average listing price for 2025-03-01 was $212,802, a difference of $54,732 (34.6%) versus the prior year and $16,491 versus the prior month.

    For the 2025-03-01 period, Charleston - Mattoon had 53 MLS listings, a difference of -20 listings (-27%) versus the prior month and 8 listings (18%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Charleston - Mattoon (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,566 sqft
    2018-02-01 0 days 1,561 sqft
    2018-03-01 0 days 1,550 sqft
    2018-04-01 0 days 1,599 sqft
    2018-05-01 0 days 1,629 sqft
    2018-06-01 0 days 1,660 sqft
    2018-07-01 0 days 1,650 sqft
    2018-08-01 0 days 1,662 sqft
    2018-09-01 0 days 1,656 sqft
    2018-10-01 0 days 1,602 sqft
    2018-11-01 0 days 1,592 sqft
    2018-12-01 0 days 1,564 sqft
    2019-01-01 0 days 1,562 sqft
    2019-02-01 0 days 1,576 sqft
    2019-03-01 0 days 1,578 sqft
    2019-04-01 0 days 1,564 sqft
    2019-05-01 0 days 1,608 sqft
    2019-06-01 0 days 1,587 sqft
    2019-07-01 0 days 1,609 sqft
    2019-08-01 0 days 1,580 sqft
    2019-09-01 0 days 1,588 sqft
    2019-10-01 0 days 1,609 sqft
    2019-11-01 0 days 1,625 sqft
    2019-12-01 0 days 1,624 sqft
    2020-01-01 0 days 1,628 sqft
    2020-02-01 0 days 1,614 sqft
    2020-03-01 0 days 1,658 sqft
    2020-04-01 0 days 1,668 sqft
    2020-05-01 0 days 1,670 sqft
    2020-06-01 0 days 1,705 sqft
    2020-07-01 0 days 1,684 sqft
    2020-08-01 0 days 1,626 sqft
    2020-09-01 0 days 1,573 sqft
    2020-10-01 0 days 1,558 sqft
    2020-11-01 0 days 1,453 sqft
    2020-12-01 0 days 1,468 sqft
    2021-01-01 0 days 1,427 sqft
    2021-02-01 0 days 1,525 sqft
    2021-03-01 0 days 1,568 sqft
    2021-04-01 0 days 1,663 sqft
    2021-05-01 0 days 1,622 sqft
    2021-06-01 0 days 1,490 sqft
    2021-07-01 0 days 1,450 sqft
    2021-08-01 0 days 1,374 sqft
    2021-09-01 0 days 1,430 sqft
    2021-10-01 0 days 1,376 sqft
    2021-11-01 0 days 1,421 sqft
    2021-12-01 0 days 1,394 sqft
    2022-01-01 0 days 1,285 sqft
    2022-02-01 0 days 1,248 sqft
    2022-03-01 0 days 1,214 sqft
    2022-04-01 0 days 1,245 sqft
    2022-05-01 0 days 1,407 sqft
    2022-06-01 0 days 1,443 sqft
    2022-07-01 0 days 1,452 sqft
    2022-08-01 0 days 1,721 sqft
    2022-09-01 0 days 2,002 sqft
    2022-10-01 0 days 1,894 sqft
    2022-11-01 0 days 1,491 sqft
    2022-12-01 0 days 1,632 sqft
    2023-01-01 0 days 1,660 sqft
    2023-02-01 0 days 1,660 sqft
    2023-03-01 0 days 1,680 sqft
    2023-04-01 0 days 1,696 sqft
    2023-05-01 0 days 1,668 sqft
    2023-06-01 0 days 1,743 sqft
    2023-07-01 0 days 2,005 sqft
    2023-08-01 0 days 1,721 sqft
    2023-09-01 0 days 1,728 sqft
    2023-10-01 0 days 1,564 sqft
    2023-11-01 0 days 1,576 sqft
    2023-12-01 0 days 1,536 sqft
    2024-01-01 0 days 1,523 sqft
    2024-02-01 0 days 1,935 sqft
    2024-03-01 0 days 1,645 sqft
    2024-04-01 0 days 1,561 sqft
    2024-05-01 0 days 1,536 sqft
    2024-06-01 0 days 1,566 sqft
    2024-07-01 0 days 1,638 sqft
    2024-08-01 0 days 1,600 sqft
    2024-09-01 0 days 1,610 sqft
    2024-10-01 0 days 1,788 sqft
    2024-11-01 0 days 1,694 sqft
    2024-12-01 0 days 1,629 sqft
    2025-01-01 0 days 1,586 sqft
    2025-02-01 0 days 1,584 sqft
    2025-03-01 0 days 1,656 sqft
    Charleston - Mattoon's median listing age (time on market) for 2025-03-01 was 0 days.

    Charleston - Mattoon's median square footage for active listings during the 2025-03-01 period was 1,656 sqft. One year prior, the average listing was 1,645 sqft.

    Charleston-Mattoon, IL Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 433 $64,815,000 $149,688
    Refi 57 $8,075,000 $141,667
    Home Improvement 49 $2,505,000 $51,122
    Cash Out Refi 43 $4,775,000 $111,047
    Other 39 $2,415,000 $61,923

    Charleston - Mattoon's most frequently cited loan purpose was Home Purchase, with 433 originations. The 2nd most popular reason was Refi, with 57 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    6-7% 260 $36,310,000 $139,654
    7-8% 166 $25,060,000 $150,964
    Over 8% 90 $6,280,000 $69,778
    5-6% 52 $7,750,000 $149,038
    <2.5% 5 $45,000 $9,000
    4-5% 4 $700,000 $175,000
    2.5-3% 1 $125,000 $125,000

    During 2024, Charleston - Mattoon's most frequently originated rate bucket was 6-7%, with 260 originations.

    Loan Sizing (Charleston-Mattoon, IL MSA)

    Loan Size Originations Total Value Average Loan
    $100,000 or less 284 $15,450,000 $54,401
    $100k-200k 243 $33,175,000 $136,523
    $200k-400k 81 $21,125,000 $260,802
    $400k-600k 8 $3,870,000 $483,750
    $600k-1000k 3 $1,985,000 $661,667
    $Over $1MM 2 $6,980,000 $3,490,000

    Charleston - Mattoon's loan sizing saw the bucket of loans from $100,000 or less with 284 originations, totaling $15,450,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 285 $43,025,000 $150,965
    60-80% 102 $18,800,000 $184,314
    20-40% 73 $4,645,000 $63,630
    40-60% 38 $4,670,000 $122,895
    Under 20% 34 $960,000 $28,235
    Over 100% 7 $1,155,000 $165,000

    Charleston - Mattoon's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 285 originations, totaling $43,025,000 in origination value.