Centralia VA Loan Rates, Closing Costs & Stats

Centralia, WA

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    • 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.

    Centralia's 57 lenders originated 247 VA loans during 2024. The total origination value was $106,785,000, with an average VA loan value of $432,328.

    Centralia VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Centralia averaged 0.34% for the week of 2025-06-20, compared to the national average (all VA variants) of 0% for the same period.

    Centralia's average VA mortgage closing costs are $7,300.

    The average rate for the prior week (2025-06-13) was 7.09% and one month ago for the week of 2025-05-16, the average rate was 7.05%.

    The average rate one year ago was 6.85%.

    For refis of the same type during the week of 2025-06-20, the average rate was -0.02%.

    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations.

    Centralia 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 Centralia level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    UNITED WHOLESALE MORTGAGE, LLC 37 5.88% $10,422
    Mortgage Research Center, LLC 29 6.24% $5,169
    FREEDOM MORTGAGE CORPORATION 14 5.88% $6,601
    QUICKEN LOANS, LLC 13 5.90% $10,912
    PENNYMAC LOAN SERVICES, LLC 12 5.65% $7,244
    MOVEMENT MORTGAGE, LLC 11 6.31% $13,401
    SUMMIT FUNDING, INC. 10 6.30% $15,903
    GUILD MORTGAGE COMPANY 10 6.23% $10,097
    NEWREZ LLC 8 5.95% $6,426
    CROSSCOUNTRY MORTGAGE, LLC 7 6.36% $7,802
    NAVY FEDERAL CREDIT UNION 6 6.00% $6,371
    EVERGREEN MONEYSOURCE MORTGAGE COMPANY 4 6.34% $28,741
    VILLAGE CAPITAL MORTGAGE 4 5.59% $6,136
    NEW DAY FINANCIAL, LLC 4 7.68% $24,371
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 4 6.34% $9,839
    PLANET HOME LENDING, LLC 3 5.74% $3,377
    Carrington Mortgage Services, LLC 3 6.08% $14,089
    MLD MORTGAGE INC. 3 5.96% $10,851
    MORTGAGE SOLUTIONS OF COLORADO, LLC 3 7.25% $2,572
    NATIONS DIRECT MORTGAGE, LLC 3 6.29% $13,152
    USAA Federal Savings Bank 3 5.75% $7,277
    BAY EQUITY LLC 2 5.50% $7,111
    NFM, INC. 2 5.63% $29,503
    The Federal Savings Bank 2 6.25% $15,640
    S1L, Inc. 2 6.25% $15,968
    NETWORK CAPITAL FUNDING CORPORATION 2 5.75% $32,900
    CMG MORTGAGE, INC. 2 6.13% $26,277
    LOANDEPOT.COM, LLC 2 5.56% $5,911
    CORNERSTONE HOME LENDING, INC. 1 6.75% $6,364
    AMERICAN FINANCING CORPORATION 1 7.75% $14,091
    Nations Lending Corporation 1 6.75% $0
    Cornerstone First Mortgage, Inc 1 5.75% $26,771
    CLEARPATH LENDING 1 5.50% $14,048
    Northpointe Bank 1 6.63% $19,878
    NORWICH COMMERCIAL GROUP, INC. 1 6.25% $4,459
    NOVA FINANCIAL & INVESTMENT CORPORATION 1 6.25% $11,499
    CARDINAL FINANCIAL 1 5.75% $10,303
    PHH Mortgage Corporation 1 5.49% $4,960
    AMERICAN FINANCIAL RESOURCES, INC. 1 7.63% $11,958
    PREMIER MORTGAGE RESOURCES, L.L.C. 1 7.25% $8,186
    ROYAL UNITED MORTGAGE LLC 1 6.13% $16,845
    SeaTrust Mortgage Company 1 7.13% $1,799
    AMERISAVE MORTGAGE CORPORATION 1 6.00% $14,372
    Sunflower Bank 1 4.99% $25,084
    SUN WEST MORTGAGE COMPANY, INC. 1 6.25% $19,609
    T2 FINANCIAL LLC 1 5.75% $15,572
    FIRST COLONY MORTGAGE CORPORATION 1 6.25% $13,498
    Gateway First Bank 1 6.25% $5,548
    GoPrime Mortgage, Inc. 1 5.75% $13,163
    HomeStreet Bank 1 5.50% $21,860
    Equity Prime Mortgage LLC 1 5.88% $19,663
    LAKEVIEW LOAN SERVICING, LLC 1 5.25% $12,844
    LEADERONE FINANCIAL CORPORATION 1 5.75% $32,060
    LOANPAL, LLC 1 6.50% $5,253
    The Loan Store, Inc. 1 5.38% $6,834
    Credence Funding Corporation 1 6.38% $2,188
    AMERICAN PACIFIC MORTGAGE CORPORATION 1 6.25% $11,036

    The top Centralia VA lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with 37 VA loans originated. Their average total fees are $10,422, which is $5,254 higher than the next largest lender, Mortgage Research Center, LLC.

    The lowest fee Centralia VA lenders (with over 10 loans originated) are Mortgage Research Center, LLC ($5,169), FREEDOM MORTGAGE CORPORATION ($6,601), PENNYMAC LOAN SERVICES, LLC ($7,244), GUILD MORTGAGE COMPANY ($10,097) and UNITED WHOLESALE MORTGAGE, LLC ($10,422).

    The lowest rate Centralia VA lenders (with over 10 loans originated) are PENNYMAC LOAN SERVICES, LLC (5.65%), UNITED WHOLESALE MORTGAGE, LLC (5.88%), FREEDOM MORTGAGE CORPORATION (5.88%), QUICKEN LOANS, LLC (5.90%) and GUILD MORTGAGE COMPANY (6.23%).

    VA Loan Features

  • No down payment required
  • Negotiable and competitive interest rate.
  • Ability to finance the VA funding fee (plus reduced funding fees with a down payment of at least 5 percent and exemption for veterans receiving VA compensation).
  • VA rules limit the amount you can be charged for closing costs.
  • Closing costs are comparable with other financing types (and may be lower).
  • Closing costs may be paid by the seller.
  • No private mortgage insurance premiums are required.
  • An assumable mortgage.
  • Right to prepay your mortgage without penalty.
  • For homes inspected by VA during construction, a warranty from builder and assistance from VA to obtain cooperation of builder.
  • VA assistance to veteran borrowers in default due to temporary financial difficulty.