Mount Pleasant Mortgage Rates & Closing Costs

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

    30 Year Fixed Rate mortgages in Mount Pleasant averaged 6.66% for the week of 2025-02-13, compared to the national average of 6.87% for the same period.

    The average rate for the prior week (2025-02-06) was 6.78% and one month ago for the week of 2025-01-09, the average rate was 6.82%.

    Mount Pleasant's average rate one year ago was 6.83%.

    For refis of the same type during the week of 2025-02-13, the average rate was 7.07%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2025-02-13 6.87%
    Mount Pleasant 30 Year Fixed Rate 2025-02-13 6.66%
    Mount Pleasant 30 Year Fixed Rate Refi 2025-02-13 7.07%
    Mount Pleasant 15 Year Fixed Rate 2025-02-13 5.89%
    Mount Pleasant 15 Year Fixed Rate Refi 2025-02-13 6.19%
    Mount Pleasant 30 Year FHA 2025-02-13 6.13%
    Mount Pleasant 30 Year FHA Refi 2025-02-13 6.62%
    Mount Pleasant 30 Year USDA 2025-02-13 6.73%
    Mount Pleasant 30 Year USDA Refi 2025-02-13 6.53%
    Mount Pleasant 30 Year VA 2025-02-13 6.23%
    Mount Pleasant 30 Year VA Refi 2025-02-13 6.63%
    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Mount Pleasant, TX.

    Mount Pleasant 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 Mount Pleasant, TX 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
    QUICKEN LOANS, LLC 16 6.70% $8,691
    VeraBank 12 6.11% $3,925
    Guaranty Bank & Trust, N.A. 12 6.83% $4,773
    The City National Bank of Sulphur Springs 10 7.46% $2,436
    UNITED WHOLESALE MORTGAGE, LLC 7 7.11% $5,355
    DRAPER AND KRAMER MORTGAGE CORP. 6 6.44% $11,704
    HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 5 7.05% $9,261
    AMERISAVE MORTGAGE CORPORATION 4 6.47% $10,886
    HOMEBRIDGE FINANCIAL SERVICES, INC. 4 6.31% $5,826
    CMG MORTGAGE, INC. 4 6.56% $7,044
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 3 6.71% $10,423
    Mr. Cooper ( Nationstar Mortgage ) 3 6.79% $8,810
    OPEN MORTGAGE, LLC 2 6.38% $6,571
    CROSSCOUNTRY MORTGAGE, LLC 2 7.43% $8,475
    Discover Bank 2 6.49% $0
    RED RIVER EMPLOYEES 2 7.44% $4,128
    ROYAL UNITED MORTGAGE LLC 2 7.56% $13,170
    T2 FINANCIAL LLC 2 6.38% $6,616
    EAST TEXAS PROFESSIONAL Credit Union 2 6.50% $2,760
    EVERETT FINANCIAL, INC. 2 6.88% $8,877
    Bank of America 2 7.00% $7,161
    Citibank 2 7.00% $10,655
    Wells Fargo Bank 2 6.31% $6,002
    MUTUAL OF OMAHA MORTGAGE, INC. 1 7.25% $4,555
    Network Funding, L.P. 1 7.00% $5,934
    NTFN, INC. 1 7.50% $10,014
    PENNYMAC LOAN SERVICES, LLC 1 6.13% $7,370
    PRIMARY RESIDENTIAL MORTGAGE, INC. 1 6.25% $5,248
    PRIMELENDING, A PLAINSCAPITAL COMPANY 1 6.25% $15,577
    Prosperity Bank 1 7.75% $6,125
    RANDOLPH-BROOKS 1 8.75% $2,556
    SECURITYNATIONAL MORTGAGE COMPANY 1 6.25% $5,022
    SFMC, LP 1 6.50% $9,838
    The American National Bank of Texas 1 8.50% $12,304
    The Loan Store, Inc. 1 6.38% $7,575
    UNION HOME MORTGAGE CORP. 1 6.63% $4,525
    USAA Federal Savings Bank 1 7.63% $4,572
    U.S. Bank 1 6.13% $3,739
    VANDERBILT MORTGAGE AND FINANCE, INC. 1 9.25% $8,435
    ZILLOW HOME LOANS, LLC 1 6.50% $4,071
    ADVANCIAL 1 5.88% $5,662
    Zions Bank 1 7.00% $8,767
    Ally Bank 1 6.50% $4,091
    American Bank of Oklahoma 1 8.00% $5,274
    AMERICAN FINANCIAL NETWORK, INC. 1 7.38% $6,497
    American Mortgage & Equity Consultants, Inc. 1 6.88% $4,888
    AMERICAN PACIFIC MORTGAGE CORPORATION 1 7.00% $8,284
    AmeriHome Mortgage Company, LLC 1 7.63% $8,967
    Ameris Bank 1 6.99% $4,242
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 1 6.13% $6,020
    Austin Bank, Texas 1 7.15% $3,878
    BROKER SOLUTIONS, INC. 1 6.38% $6,704
    CARDINAL FINANCIAL 1 7.38% $12,309
    Commercial Bank of Texas 1 7.99% $7,035
    First Bank 1 7.63% $8,407
    FIRST COMMUNITY MORTGAGE, INC. 1 7.25% $8,038
    First United Bank and Trust Company 1 7.13% $10,307
    Flagstar Bank, FSB 1 5.50% $7,839
    Gateway First Bank 1 6.88% $7,769
    Golden Empire Mortgage, Inc. 1 6.25% $5,773
    GUILD MORTGAGE COMPANY 1 7.38% $4,654
    LOANDEPOT.COM, LLC 1 6.13% $15,447
    MANN FINANCIAL INC. 1 6.38% $4,204
    MORTGAGE FINANCIAL SERVICES, LLC 1 7.13% $6,646

    Mount Pleasant Average Closing Costs & Other Stats

    Mount Pleasant, TX's 64 lenders originated 549 loans during 2023. The total origination value was $116,015,000, with an average loan value of $211,321.

    Mount Pleasant's average closing costs are $6,379.

    The top Mount Pleasant lender as defined by loan originations is QUICKEN LOANS, LLC, with 16 loans originated. Their average total fees are $8,691, which is $4,767 higher than the next largest lender, VeraBank.

    The lowest fee Mount Pleasant lenders (with over 10 loans originated) are The City National Bank of Sulphur Springs ($2,436), VeraBank ($3,925), Guaranty Bank & Trust, N.A. ($4,773), QUICKEN LOANS, LLC ($8,691) and .

    The lowest rate Mount Pleasant lenders (with over 10 loans originated) are VeraBank (6.11%), QUICKEN LOANS, LLC (6.70%), Guaranty Bank & Trust, N.A. (6.83%), The City National Bank of Sulphur Springs (7.46%) and .

    Mount Pleasant, TX 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
    Guaranty Bank & Trust, N.A. $23,135,000 $13,935,000 -39.8% 12.0%
    Pilgrim Bank $12,710,000 $8,000,000 -37.1% 6.9%
    Cypress Bank, SSB $10,460,000 $7,750,000 -25.9% 6.7%
    VeraBank $2,615,000 $6,610,000 152.8% 5.7%
    DRAPER AND KRAMER MORTGAGE CORP. $11,325,000 $5,225,000 -53.9% 4.5%
    QUICKEN LOANS, LLC $6,550,000 $5,120,000 -21.8% 4.4%
    UNITED WHOLESALE MORTGAGE, LLC $2,835,000 $4,100,000 44.6% 3.5%
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION $2,745,000 $3,315,000 20.8% 2.9%
    HIGHLANDS RESIDENTIAL MORTGAGE, LTD. $620,000 $3,260,000 425.8% 2.8%
    The City National Bank of Sulphur Springs $3,780,000 $3,010,000 -20.4% 2.6%
    Mortgage Research Center, LLC $2,805,000 $2,975,000 6.1% 2.6%
    Citibank $2,060,000 n/a 1.8%
    First National Bank of East Texas $1,005,000 $2,005,000 99.5% 1.7%
    CMG MORTGAGE, INC. $935,000 $1,965,000 110.2% 1.7%
    T2 FINANCIAL LLC $1,280,000 $1,840,000 43.8% 1.6%
    AMERISAVE MORTGAGE CORPORATION $1,720,000 n/a 1.5%
    HOMEBRIDGE FINANCIAL SERVICES, INC. $735,000 $1,680,000 128.6% 1.4%
    Bank of America $725,000 $1,635,000 125.5% 1.4%
    21ST MORTGAGE CORPORATION $1,890,000 $1,315,000 -30.4% 1.1%
    CROSSCOUNTRY MORTGAGE, LLC $880,000 $1,310,000 48.9% 1.1%
    EVERETT FINANCIAL, INC. $590,000 $1,065,000 80.5% 0.9%
    Austin Bank, Texas $1,005,000 n/a 0.9%
    MORTGAGE FINANCIAL SERVICES, LLC $1,685,000 $955,000 -43.3% 0.8%
    Gateway First Bank $1,215,000 $920,000 -24.3% 0.8%
    PENNYMAC LOAN SERVICES, LLC $2,385,000 $920,000 -61.4% 0.8%
    Alliance Bank $450,000 $875,000 94.4% 0.8%
    Zions Bank $105,000 $825,000 685.7% 0.7%
    Wells Fargo Bank $1,855,000 $810,000 -56.3% 0.7%
    RED RIVER EMPLOYEES $700,000 n/a 0.6%
    OPEN MORTGAGE, LLC $790,000 $665,000 -15.8% 0.6%
    EAST TEXAS PROFESSIONAL Credit Union $980,000 $660,000 -32.7% 0.6%
    GUILD MORTGAGE COMPANY $1,465,000 $650,000 -55.6% 0.6%
    AMERICAN PACIFIC MORTGAGE CORPORATION $625,000 $630,000 0.8% 0.5%
    The American National Bank of Texas $145,000 $625,000 331.0% 0.5%
    SECURITYNATIONAL MORTGAGE COMPANY $610,000 n/a 0.5%
    ROYAL UNITED MORTGAGE LLC $125,000 $585,000 368.0% 0.5%
    First United Bank and Trust Company $1,465,000 $565,000 -61.4% 0.5%
    Prosperity Bank $135,000 $560,000 314.8% 0.5%
    Texas Bank and Trust Company $545,000 $550,000 0.9% 0.5%
    American Bank of Oklahoma $540,000 n/a 0.5%
    CARDINAL FINANCIAL $2,395,000 $525,000 -78.1% 0.5%
    Mr. Cooper ( Nationstar Mortgage ) $1,160,000 $525,000 -54.7% 0.5%
    USAA Federal Savings Bank $590,000 $450,000 -23.7% 0.4%
    UNITED BUILT HOMES, L.L.C. $395,000 $445,000 12.7% 0.4%
    FINANCE OF AMERICA REVERSE LLC $440,000 n/a 0.4%
    Town Square Mortgage & Investments, Inc. $460,000 $435,000 -5.4% 0.4%
    Discover Bank $95,000 $430,000 352.6% 0.4%
    FIRST COMMUNITY MORTGAGE, INC. $415,000 n/a 0.4%
    Golden Empire Mortgage, Inc. $415,000 n/a 0.4%
    ARK-LA-TEX FINANCIAL SERVICES, LLC. $470,000 $410,000 -12.8% 0.4%
    BROKER SOLUTIONS, INC. $175,000 $410,000 134.3% 0.4%
    ZILLOW HOME LOANS, LLC $410,000 n/a 0.4%
    PRIMELENDING, A PLAINSCAPITAL COMPANY $1,690,000 $405,000 -76.0% 0.3%
    BNC National Bank $395,000 n/a 0.3%
    PENTAGON FEDERAL CREDIT UNION $395,000 n/a 0.3%
    VANDERBILT MORTGAGE AND FINANCE, INC. $675,000 $395,000 -41.5% 0.3%
    Ally Bank $225,000 $375,000 66.7% 0.3%
    LOANDEPOT.COM, LLC $2,765,000 $375,000 -86.4% 0.3%
    First National Bank of Winnsboro $370,000 n/a 0.3%
    Network Funding, L.P. $145,000 $365,000 151.7% 0.3%
    Barrington Bank & Trust Company, N.A. $175,000 $360,000 105.7% 0.3%
    NAVY FEDERAL CREDIT UNION $145,000 $355,000 144.8% 0.3%
    LEADERONE FINANCIAL CORPORATION $350,000 n/a 0.3%
    ADVANCIAL $340,000 n/a 0.3%
    Legend Bank, N.A. $325,000 n/a 0.3%
    SFMC, LP $215,000 $320,000 48.8% 0.3%
    RANDOLPH-BROOKS $1,000,000 $310,000 -69.0% 0.3%
    TEXAR $115,000 $305,000 165.2% 0.3%
    TRIAD FINANCIAL SERVICES, INC. $1,360,000 $305,000 -77.6% 0.3%
    Nations Lending Corporation $5,585,000 $300,000 -94.6% 0.3%
    MUTUAL OF OMAHA MORTGAGE, INC. $220,000 $280,000 27.3% 0.2%
    First Bank $275,000 n/a 0.2%
    United Community Bank $135,000 $275,000 103.7% 0.2%
    Paramount Residential Mortgage Group, Inc. $1,640,000 $270,000 -83.5% 0.2%
    GUARANTEED RATE, INC. $1,295,000 $265,000 -79.5% 0.2%
    NTFN, INC. $265,000 n/a 0.2%
    CHURCHILL MORTGAGE CORPORATION $255,000 n/a 0.2%
    American Mortgage & Equity Consultants, Inc. $245,000 n/a 0.2%
    Commercial Bank of Texas $705,000 $245,000 -65.2% 0.2%
    Credit Union of Texas $475,000 $245,000 -48.4% 0.2%
    GERSHMAN INVESTMENT CORP. $245,000 n/a 0.2%
    AmeriHome Mortgage Company, LLC $235,000 n/a 0.2%
    NFM, INC. $235,000 n/a 0.2%
    Texas Heritage National Bank $225,000 n/a 0.2%
    U.S. Bank $195,000 $225,000 15.4% 0.2%
    INTERLINC MORTGAGE SERVICES, LLC $215,000 n/a 0.2%
    FIDELITY BANK $205,000 n/a 0.2%
    Spring Hill State Bank $405,000 $205,000 -49.4% 0.2%
    VAN DYK MORTGAGE CORPORATION $205,000 n/a 0.2%
    Ameris Bank $185,000 n/a 0.2%
    Citizens Bank $600,000 $185,000 -69.2% 0.2%
    Flagstar Bank, FSB $755,000 $185,000 -75.5% 0.2%
    AMCAP MORTGAGE, LTD. $175,000 n/a 0.2%
    UNION HOME MORTGAGE CORP. $175,000 n/a 0.2%
    Century Mortgage Company DBA Century Lending Company $355,000 $165,000 -53.5% 0.1%
    American Airlines Federal Credit Union $155,000 n/a 0.1%
    The First National Bank of Hughes Springs $55,000 $155,000 181.8% 0.1%
    The Loan Store, Inc. $155,000 n/a 0.1%
    MORTGAGE SOLUTIONS OF COLORADO, LLC $145,000 n/a 0.1%
    LENDINGHOME FUNDING CORPORATION $285,000 $135,000 -52.6% 0.1%
    AMERICAN FINANCIAL NETWORK, INC. $125,000 n/a 0.1%
    MANN FINANCIAL INC. $125,000 n/a 0.1%
    Texas Bank $315,000 $125,000 -60.3% 0.1%
    Carrington Mortgage Services, LLC $75,000 $105,000 40.0% 0.1%
    LOANPAL, LLC $480,000 $105,000 -78.1% 0.1%
    MID AMERICA MORTGAGE, INC. $380,000 $105,000 -72.4% 0.1%
    PRIMARY RESIDENTIAL MORTGAGE, INC. $105,000 n/a 0.1%
    SOUTHWEST STAGE FUNDING, LLC $260,000 $105,000 -59.6% 0.1%
    TEXANS $155,000 $105,000 -32.3% 0.1%
    Frost Bank $75,000 n/a 0.1%
    LONGBRIDGE FINANCIAL, LLC $205,000 $65,000 -68.3% 0.1%
    A+ Federal Credit Union $45,000 n/a 0.0%
    CHERRY CREEK MORTGAGE, LLC $25,000 n/a 0.0%

    Mount Pleasant's top lender by overall market share is Guaranty Bank & Trust, N.A., with 12.0% market share. In second place, with 6.9%, is Pilgrim Bank, having originated $8,000,000 in loans. In third place, with 6.7%, is Cypress Bank, SSB, having originated $7,750,000 in loans. In fourth place, with 5.7%, is VeraBank, having originated $6,610,000 in loans. In fifth place, with 4.5%, is DRAPER AND KRAMER MORTGAGE CORP., having originated $5,225,000 in loans.

    Mount Pleasant Housing Market Trends (Median, Average Prices & Listing Count)

    Realtor.com - Mount Pleasant (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 $159,900 (6.7%) $285,684 (-0.6%) 0.00 276
    2018-02-01 $162,500 (8.5%) $289,832 (-0.5%) 0.00 282
    2018-03-01 $164,950 (-1.2%) $283,581 (-6.2%) 0.00 312
    2018-04-01 $174,875 (3.6%) $296,019 (-1.4%) 0.00 318
    2018-05-01 $179,925 (13.4%) $299,453 (1.2%) 0.00 338
    2018-06-01 $184,900 (15.6%) $288,505 (1.0%) 0.00 345
    2018-07-01 $179,400 (12.1%) $290,280 (2.4%) 0.00 310
    2018-08-01 $180,000 (6.1%) $296,693 (2.7%) 0.00 295
    2018-09-01 $199,900 (17.8%) $320,862 (10.8%) 0.00 301
    2018-10-01 $195,325 (15.8%) $329,039 (12.3%) 0.00 289
    2018-11-01 $192,425 (20.5%) $336,873 (17.4%) 0.00 271
    2018-12-01 $197,500 (23.5%) $335,190 (18.3%) 0.00 241
    2019-01-01 $201,100 (25.8%) $347,658 (21.7%) 0.00 228
    2019-02-01 $201,100 (23.8%) $346,354 (19.5%) 0.00 220
    2019-03-01 $195,529 (18.5%) $344,515 (21.5%) 0.00 224
    2019-04-01 $184,754 (5.7%) $338,152 (14.2%) 0.00 228
    2019-05-01 $210,000 (16.7%) $356,791 (19.2%) 0.00 231
    2019-06-01 $188,500 (2.0%) $336,034 (16.5%) 0.00 229
    2019-07-01 $179,470 (0.0%) $278,955 (-3.9%) 0.00 213
    2019-08-01 $179,871 (-0.1%) $293,916 (-0.9%) 0.00 204
    2019-09-01 $179,828 (-10.0%) $307,563 (-4.1%) 0.00 197
    2019-10-01 $184,852 (-5.4%) $314,576 (-4.4%) 0.00 188
    2019-11-01 $179,295 (-6.8%) $264,557 (-21.5%) 0.00 171
    2019-12-01 $173,950 (-11.9%) $264,745 (-21.0%) 0.00 157
    2020-01-01 $177,900 (-11.5%) $265,297 (-23.7%) 0.00 151
    2020-02-01 $199,000 (-1.0%) $271,837 (-21.5%) 0.00 167
    2020-03-01 $195,000 (-0.3%) $259,448 (-24.7%) 0.00 168
    2020-04-01 $199,000 (7.7%) $257,280 (-23.9%) 0.00 173
    2020-05-01 $199,900 (-4.8%) $269,555 (-24.5%) 0.00 165
    2020-06-01 $209,900 (11.4%) $282,197 (-16.0%) 0.00 152
    2020-07-01 $209,125 (16.5%) $284,930 (2.1%) 0.00 142
    2020-08-01 $209,900 (16.7%) $283,521 (-3.5%) 0.00 125
    2020-09-01 $217,450 (20.9%) $284,289 (-7.6%) 0.00 117
    2020-10-01 $219,900 (19.0%) $290,940 (-7.5%) 0.00 110
    2020-11-01 $209,225 (16.7%) $300,849 (13.7%) 0.00 105
    2020-12-01 $222,425 (27.9%) $303,179 (14.5%) 0.00 104
    2021-01-01 $235,000 (32.1%) $340,718 (28.4%) 0.00 94
    2021-02-01 $237,625 (19.4%) $400,172 (47.2%) 0.00 88
    2021-03-01 $234,250 (20.1%) $373,447 (43.9%) 0.00 75
    2021-04-01 $232,000 (16.6%) $351,305 (36.6%) 0.00 74
    2021-05-01 $249,999 (25.1%) $373,136 (38.4%) 0.00 73
    2021-06-01 $247,925 (18.1%) $372,468 (32.0%) 0.00 76
    2021-07-01 $242,500 (16.0%) $363,448 (27.6%) 0.00 82
    2021-08-01 $236,200 (12.5%) $337,930 (19.2%) 0.00 103
    2021-09-01 $244,900 (12.6%) $369,046 (29.8%) 0.00 114
    2021-10-01 $249,900 (13.6%) $384,901 (32.3%) 0.00 112
    2021-11-01 $237,450 (13.5%) $355,384 (18.1%) 0.00 103
    2021-12-01 $235,000 (5.7%) $365,653 (20.6%) 0.00 98
    2022-01-01 $244,500 (4.0%) $396,634 (16.4%) 0.00 89
    2022-02-01 $247,475 (4.1%) $410,264 (2.5%) 0.00 87
    2022-03-01 $302,425 (29.1%) $481,211 (28.9%) 0.00 81
    2022-04-01 $314,000 (35.3%) $523,313 (49.0%) 0.00 87
    2022-05-01 $310,000 (24.0%) $489,413 (31.2%) 0.00 106
    2022-06-01 $315,000 (27.1%) $478,879 (28.6%) 0.00 124
    2022-07-01 $319,450 (31.7%) $484,262 (33.2%) 0.00 147
    2022-08-01 $329,950 (39.7%) $476,985 (41.2%) 0.00 162
    2022-09-01 $340,650 (39.1%) $463,255 (25.5%) 0.00 161
    2022-10-01 $265,000 (6.0%) $405,632 (5.4%) 0.00 182
    2022-11-01 $263,400 (10.9%) $399,443 (12.4%) 0.00 178
    2022-12-01 $263,750 (12.2%) $405,475 (10.9%) 0.00 167
    2023-01-01 $267,050 (9.2%) $394,303 (-0.6%) 0.00 166
    2023-02-01 $278,500 (12.5%) $408,128 (-0.5%) 0.00 165
    2023-03-01 $289,600 (-4.2%) $415,686 (-13.6%) 0.00 170
    2023-04-01 $325,000 (3.5%) $491,740 (-6.0%) 0.00 182
    2023-05-01 $327,350 (5.6%) $505,968 (3.4%) 0.00 194
    2023-06-01 $337,750 (7.2%) $500,438 (4.5%) 0.00 203
    2023-07-01 $329,450 (3.1%) $493,747 (2.0%) 0.00 218
    2023-08-01 $315,000 (-4.5%) $467,047 (-2.1%) 0.00 228
    2023-09-01 $307,400 (-9.8%) $452,149 (-2.4%) 0.00 220
    2023-10-01 $325,000 (22.6%) $436,963 (7.7%) 0.00 216
    2023-11-01 $329,225 (25.0%) $446,004 (11.7%) 0.00 207
    2023-12-01 $324,900 (23.2%) $441,385 (8.9%) 0.00 201
    2024-01-01 $294,450 (10.3%) $422,706 (7.2%) 0.00 205
    2024-02-01 $285,000 (2.3%) $424,889 (4.1%) 0.00 216
    2024-03-01 $289,900 (0.1%) $433,952 (4.4%) 0.00 224
    2024-04-01 $299,575 (-7.8%) $437,955 (-10.9%) 0.00 240
    2024-05-01 $304,850 (-6.9%) $438,339 (-13.4%) 0.00 259
    2024-06-01 $311,950 (-7.6%) $436,299 (-12.8%) 0.00 268
    2024-07-01 $294,250 (-10.7%) $434,148 (-12.1%) 0.00 269
    2024-08-01 $299,900 (-4.8%) $414,728 (-11.2%) 0.00 263
    2024-09-01 $299,900 (-2.4%) $426,486 (-5.7%) 0.00 258
    2024-10-01 $299,675 (-7.8%) $410,158 (-6.1%) 0.00 256
    2024-11-01 $279,000 (-15.3%) $384,413 (-13.8%) 0.00 283
    2024-12-01 $277,500 (-14.6%) $376,728 (-14.7%) 0.00 287
    2025-01-01 $275,000 (-6.6%) $368,433 (-12.8%) 0.00 269
    Mount Pleasant's median listing price for 2025-01-01 was $275,000, a difference of $-19,450 (-6.6%) versus the prior year and $-2,500 versus the prior month.

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

    Mount Pleasant's average listing price for 2025-01-01 was $368,433, a difference of $-54,273 (-12.8%) versus the prior year and $-8,295 versus the prior month.

    For the 2025-01-01 period, Mount Pleasant had 269 MLS listings, a difference of -18 listings (-6%) versus the prior month and 64 listings (31%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Mount Pleasant (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,983 sqft
    2018-02-01 0 days 2,021 sqft
    2018-03-01 0 days 1,972 sqft
    2018-04-01 0 days 2,001 sqft
    2018-05-01 0 days 2,000 sqft
    2018-06-01 0 days 2,023 sqft
    2018-07-01 0 days 2,013 sqft
    2018-08-01 0 days 2,028 sqft
    2018-09-01 0 days 2,160 sqft
    2018-10-01 0 days 2,139 sqft
    2018-11-01 0 days 2,119 sqft
    2018-12-01 0 days 2,115 sqft
    2019-01-01 0 days 2,113 sqft
    2019-02-01 0 days 2,135 sqft
    2019-03-01 0 days 2,095 sqft
    2019-04-01 0 days 2,072 sqft
    2019-05-01 0 days 2,140 sqft
    2019-06-01 0 days 2,122 sqft
    2019-07-01 0 days 2,073 sqft
    2019-08-01 0 days 2,077 sqft
    2019-09-01 0 days 2,065 sqft
    2019-10-01 0 days 2,075 sqft
    2019-11-01 0 days 2,070 sqft
    2019-12-01 0 days 2,121 sqft
    2020-01-01 0 days 2,120 sqft
    2020-02-01 0 days 2,124 sqft
    2020-03-01 0 days 2,039 sqft
    2020-04-01 0 days 2,019 sqft
    2020-05-01 0 days 2,050 sqft
    2020-06-01 0 days 2,124 sqft
    2020-07-01 0 days 2,148 sqft
    2020-08-01 0 days 2,159 sqft
    2020-09-01 0 days 2,088 sqft
    2020-10-01 0 days 2,064 sqft
    2020-11-01 0 days 2,050 sqft
    2020-12-01 0 days 2,073 sqft
    2021-01-01 0 days 2,180 sqft
    2021-02-01 0 days 2,202 sqft
    2021-03-01 0 days 2,155 sqft
    2021-04-01 0 days 2,266 sqft
    2021-05-01 0 days 2,196 sqft
    2021-06-01 0 days 2,050 sqft
    2021-07-01 0 days 2,030 sqft
    2021-08-01 0 days 1,992 sqft
    2021-09-01 0 days 1,910 sqft
    2021-10-01 0 days 1,970 sqft
    2021-11-01 0 days 1,950 sqft
    2021-12-01 0 days 1,985 sqft
    2022-01-01 0 days 2,000 sqft
    2022-02-01 0 days 1,989 sqft
    2022-03-01 0 days 1,986 sqft
    2022-04-01 0 days 1,920 sqft
    2022-05-01 0 days 1,961 sqft
    2022-06-01 0 days 1,966 sqft
    2022-07-01 0 days 2,000 sqft
    2022-08-01 0 days 1,994 sqft
    2022-09-01 0 days 2,042 sqft
    2022-10-01 0 days 1,753 sqft
    2022-11-01 0 days 1,795 sqft
    2022-12-01 0 days 1,800 sqft
    2023-01-01 0 days 1,798 sqft
    2023-02-01 0 days 1,794 sqft
    2023-03-01 0 days 1,881 sqft
    2023-04-01 0 days 2,041 sqft
    2023-05-01 0 days 1,989 sqft
    2023-06-01 0 days 2,024 sqft
    2023-07-01 0 days 2,029 sqft
    2023-08-01 0 days 2,070 sqft
    2023-09-01 0 days 2,023 sqft
    2023-10-01 0 days 1,979 sqft
    2023-11-01 0 days 1,977 sqft
    2023-12-01 0 days 1,987 sqft
    2024-01-01 0 days 1,975 sqft
    2024-02-01 0 days 1,931 sqft
    2024-03-01 0 days 1,942 sqft
    2024-04-01 0 days 1,946 sqft
    2024-05-01 0 days 1,950 sqft
    2024-06-01 0 days 1,960 sqft
    2024-07-01 0 days 1,952 sqft
    2024-08-01 0 days 1,939 sqft
    2024-09-01 0 days 1,917 sqft
    2024-10-01 0 days 1,885 sqft
    2024-11-01 0 days 1,806 sqft
    2024-12-01 0 days 1,765 sqft
    2025-01-01 0 days 1,764 sqft
    Mount Pleasant's median listing age (time on market) for 2025-01-01 was 0 days.

    Mount Pleasant's median square footage for active listings during the 2025-01-01 period was 1,764 sqft. One year prior, the average listing was 1,975 sqft.

    Mount Pleasant, TX Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 373 $88,605,000 $237,547
    Refi 58 $12,810,000 $220,862
    Home Improvement 45 $4,135,000 $91,889
    Cash Out Refi 45 $7,615,000 $169,222
    Other 28 $2,850,000 $101,786

    Mount Pleasant's most frequently cited loan purpose was Home Purchase, with 373 originations. The 2nd most popular reason was Refi, with 58 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    6-7% 165 $43,175,000 $261,667
    7-8% 143 $28,915,000 $202,203
    Over 8% 71 $9,305,000 $131,056
    5-6% 46 $11,690,000 $254,130
    4-5% 11 $1,875,000 $170,455

    During 2023, Mount Pleasant's most frequently originated rate bucket was 6-7%, with 165 originations.

    Loan Sizing (Mount Pleasant, TX MSA)

    Loan Size Originations Total Value Average Loan
    $100k-200k 187 $27,705,000 $148,155
    $200k-400k 184 $50,920,000 $276,739
    $100,000 or less 127 $7,645,000 $60,197
    $400k-600k 33 $15,705,000 $475,909
    $600k-1000k 15 $10,605,000 $707,000
    $Over $1MM 3 $3,435,000 $1,145,000

    Mount Pleasant's loan sizing saw the bucket of loans from $100k-200k with 187 originations, totaling $27,705,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 201 $49,785,000 $247,687
    60-80% 106 $26,680,000 $251,698
    20-40% 53 $7,305,000 $137,830
    40-60% 45 $9,045,000 $201,000
    Under 20% 28 $1,710,000 $61,071
    Over 100% 2 $390,000 $195,000

    Mount Pleasant's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 201 originations, totaling $49,785,000 in origination value.