Centralia VA Loan Rates, Closing Costs & Stats

Centralia, WA

  • JUMP TO:
  • Trends
  • Rates vs Fees
  • Top Lenders
  • Markets
  • Market Conditions & Pricing
  • Time on Market/Property Size

    • 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 59 lenders originated 188 VA loans during 2023. The total origination value was $72,020,000, with an average VA loan value of $383,085.

    Centralia VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Centralia averaged 6.51% for the week of 2025-02-14, compared to the national average (all VA variants) of 6.428% for the same period.

    Centralia's average VA mortgage closing costs are $6,977.

    The average rate for the prior week (2025-02-07) was 6.74% and one month ago for the week of 2025-01-10, the average rate was 6.88%.

    The average rate one year ago was 6.8%.

    For refis of the same type during the week of 2025-02-14, the average rate was 6.92%.

    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 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    UNITED WHOLESALE MORTGAGE, LLC 17 6.02% $7,695
    Mortgage Research Center, LLC 16 6.51% $8,790
    QUICKEN LOANS, LLC 12 6.32% $12,379
    SUMMIT FUNDING, INC. 9 6.57% $7,087
    NAVY FEDERAL CREDIT UNION 8 5.83% $7,168
    ACADEMY MORTGAGE CORPORATION 8 6.44% $14,937
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 7 6.37% $8,665
    EVERGREEN MONEYSOURCE MORTGAGE COMPANY 7 6.88% $12,090
    CROSSCOUNTRY MORTGAGE, LLC 6 6.58% $10,304
    FREEDOM MORTGAGE CORPORATION 6 5.90% $15,781
    Northpointe Bank 5 6.63% $9,325
    LOANDEPOT.COM, LLC 4 6.15% $22,984
    PENNYMAC LOAN SERVICES, LLC 4 5.50% $16,018
    NEWREZ LLC 4 6.38% $14,299
    MOVEMENT MORTGAGE, LLC 4 6.88% $12,485
    HOMEBRIDGE FINANCIAL SERVICES, INC. 3 5.75% $4,151
    CMG MORTGAGE, INC. 3 6.13% $13,320
    NOVA FINANCIAL & INVESTMENT CORPORATION 3 6.17% $3,715
    BAY EQUITY LLC 3 6.83% $7,317
    GUILD MORTGAGE COMPANY 3 6.54% $13,415
    MANN FINANCIAL INC. 3 6.50% $6,872
    The Federal Savings Bank 3 6.58% $16,110
    MASON MCDUFFIE MORTGAGE CORPORATION 2 6.75% $25,783
    CARDINAL FINANCIAL 2 7.00% $22,071
    U.S. Bank 2 5.75% $2,032
    MORTGAGE SOLUTIONS OF COLORADO, LLC 2 7.63% $6,138
    AMERISAVE MORTGAGE CORPORATION 2 5.81% $21,490
    SeaTrust Mortgage Company 1 7.88% $9,545
    SUN WEST MORTGAGE COMPANY, INC. 1 6.12% $3,256
    UNION HOME MORTGAGE CORP. 1 6.88% $29,760
    USAA Federal Savings Bank 1 6.38% $2,321
    VILLAGE CAPITAL MORTGAGE 1 5.38% $36,209
    V.I.P. MORTGAGE, INC. 1 6.00% $12,809
    Alaska USA Federal Credit Union 1 6.75% $0
    AMERICAN FINANCIAL NETWORK, INC. 1 5.25% $900
    AMERICAN FINANCIAL RESOURCES, INC. 1 6.63% $20,292
    AMERICAN PACIFIC MORTGAGE CORPORATION 1 7.25% $20,570
    Armed Forces Bank 1 5.75% $8,719
    BROKER SOLUTIONS, INC. 1 5.75% $7,988
    CALIBER HOME LOANS, INC. 1 3.75% $7,762
    CONTOUR MORTGAGE CORPORATION 1 7.50% $12,276
    DIAMOND RESIDENTIAL MORTGAGE CORPORATION 1 6.13% $12,337
    Equity Prime Mortgage LLC 1 7.25% $8,913
    Flagstar Bank, FSB 1 5.50% $0
    Gateway First Bank 1 7.13% $79
    GUARANTEED RATE AFFINITY, LLC 1 6.08% $20,596
    GUARANTEED RATE, INC. 1 6.25% $0
    HomeStreet Bank 1 6.00% $11,947
    MLD MORTGAGE INC. 1 6.75% $4,768
    MORTGAGE EXPRESS, LLC 1 6.63% $3,326
    MUTUAL OF OMAHA MORTGAGE, INC. 1 6.13% $28,598
    NATIONS DIRECT MORTGAGE, LLC 1 6.75% $6,018
    NEW DAY FINANCIAL, LLC 1 7.50% $17,061
    NFM, INC. 1 7.25% $3,933
    PACIFIC RESIDENTIAL MORTGAGE, LLC 1 6.63% $7,274
    Paramount Residential Mortgage Group, Inc. 1 7.25% $10,482
    PRIMARY RESIDENTIAL MORTGAGE, INC. 1 6.75% $17,950
    Prosperity Home Mortgage, LLC 1 5.13% $39,455
    SAMMAMISH MORTGAGE COMPANY 1 5.75% $83

    The top Centralia VA lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with 17 VA loans originated. Their average total fees are $7,695, which is $1,096 lower than the next largest lender, Mortgage Research Center, LLC.

    The lowest fee Centralia VA lenders (with over 10 loans originated) are UNITED WHOLESALE MORTGAGE, LLC ($7,695), Mortgage Research Center, LLC ($8,790), QUICKEN LOANS, LLC ($12,379), .

    The lowest rate Centralia VA lenders (with over 10 loans originated) are UNITED WHOLESALE MORTGAGE, LLC (6.02%), QUICKEN LOANS, LLC (6.32%), Mortgage Research Center, LLC (6.51%), .

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Centralia (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 $250,000 (30.9%) $324,084 (18.0%) 0.00 222
    2018-02-01 $250,350 (22.3%) $327,215 (17.3%) 0.00 197
    2018-03-01 $265,000 (21.0%) $333,720 (15.8%) 0.00 182
    2018-04-01 $287,475 (19.8%) $351,094 (16.0%) 0.00 177
    2018-05-01 $292,475 (17.0%) $347,039 (13.8%) 0.00 191
    2018-06-01 $289,000 (14.5%) $339,851 (8.2%) 0.00 233
    2018-07-01 $299,500 (19.9%) $352,527 (12.7%) 0.00 246
    2018-08-01 $297,200 (18.9%) $345,225 (10.3%) 0.00 282
    2018-09-01 $299,000 (19.6%) $341,248 (10.1%) 0.00 302
    2018-10-01 $299,250 (20.2%) $343,781 (13.1%) 0.00 296
    2018-11-01 $299,000 (19.6%) $346,281 (10.0%) 0.00 289
    2018-12-01 $314,900 (26.0%) $368,393 (17.0%) 0.00 245
    2019-01-01 $321,250 (28.5%) $379,863 (17.2%) 0.00 200
    2019-02-01 $315,000 (25.8%) $371,656 (13.6%) 0.00 200
    2019-03-01 $314,171 (18.6%) $359,424 (7.7%) 0.00 203
    2019-04-01 $308,584 (7.3%) $353,951 (0.8%) 0.00 186
    2019-05-01 $308,675 (5.5%) $354,552 (2.2%) 0.00 194
    2019-06-01 $312,472 (8.1%) $354,493 (4.3%) 0.00 216
    2019-07-01 $319,000 (6.5%) $364,756 (3.5%) 0.00 234
    2019-08-01 $316,273 (6.4%) $367,084 (6.3%) 0.00 255
    2019-09-01 $312,182 (4.4%) $363,601 (6.6%) 0.00 269
    2019-10-01 $309,455 (3.4%) $361,279 (5.1%) 0.00 279
    2019-11-01 $309,000 (3.3%) $358,218 (3.5%) 0.00 271
    2019-12-01 $299,950 (-4.8%) $363,234 (-1.4%) 0.00 231
    2020-01-01 $312,400 (-2.8%) $387,031 (1.9%) 0.00 224
    2020-02-01 $317,900 (0.9%) $378,725 (1.9%) 0.00 223
    2020-03-01 $312,500 (-0.5%) $379,105 (5.5%) 0.00 231
    2020-04-01 $325,250 (5.4%) $384,676 (8.7%) 0.00 234
    2020-05-01 $329,450 (6.7%) $397,159 (12.0%) 0.00 231
    2020-06-01 $334,000 (6.9%) $401,862 (13.4%) 0.00 220
    2020-07-01 $335,625 (5.2%) $399,721 (9.6%) 0.00 229
    2020-08-01 $349,900 (10.6%) $415,402 (13.2%) 0.00 222
    2020-09-01 $330,000 (5.7%) $410,932 (13.0%) 0.00 233
    2020-10-01 $339,000 (9.6%) $422,429 (16.9%) 0.00 222
    2020-11-01 $342,225 (10.8%) $436,652 (21.9%) 0.00 136
    2020-12-01 $332,000 (10.7%) $430,070 (18.4%) 0.00 111
    2021-01-01 $342,500 (9.6%) $436,670 (12.8%) 0.00 96
    2021-02-01 $349,750 (10.0%) $457,206 (20.7%) 0.00 86
    2021-03-01 $361,250 (15.6%) $458,335 (20.9%) 0.00 79
    2021-04-01 $386,500 (18.8%) $467,885 (21.6%) 0.00 72
    2021-05-01 $399,000 (21.1%) $478,292 (20.4%) 0.00 91
    2021-06-01 $398,225 (19.2%) $512,574 (27.6%) 0.00 107
    2021-07-01 $425,000 (26.6%) $525,499 (31.5%) 0.00 119
    2021-08-01 $436,750 (24.8%) $521,995 (25.7%) 0.00 140
    2021-09-01 $449,450 (36.2%) $510,244 (24.2%) 0.00 152
    2021-10-01 $430,000 (26.8%) $509,445 (20.6%) 0.00 148
    2021-11-01 $449,600 (31.4%) $515,520 (18.1%) 0.00 117
    2021-12-01 $429,500 (29.4%) $494,326 (14.9%) 0.00 92
    2022-01-01 $420,000 (22.6%) $502,297 (15.0%) 0.00 65
    2022-02-01 $429,700 (22.9%) $527,532 (15.4%) 0.00 70
    2022-03-01 $452,000 (25.1%) $571,897 (24.8%) 0.00 74
    2022-04-01 $487,450 (26.1%) $648,477 (38.6%) 0.00 88
    2022-05-01 $539,225 (35.1%) $653,420 (36.6%) 0.00 125
    2022-06-01 $498,700 (25.2%) $618,109 (20.6%) 0.00 194
    2022-07-01 $525,000 (23.5%) $583,845 (11.1%) 0.00 245
    2022-08-01 $499,925 (14.5%) $563,131 (7.9%) 0.00 285
    2022-09-01 $487,250 (8.4%) $550,365 (7.9%) 0.00 289
    2022-10-01 $489,000 (13.7%) $545,424 (7.1%) 0.00 271
    2022-11-01 $487,475 (8.4%) $550,486 (6.8%) 0.00 252
    2022-12-01 $497,500 (15.8%) $556,719 (12.6%) 0.00 194
    2023-01-01 $449,500 (7.0%) $559,476 (11.4%) 0.00 173
    2023-02-01 $485,000 (12.9%) $577,568 (9.5%) 0.00 156
    2023-03-01 $499,000 (10.4%) $584,444 (2.2%) 0.00 145
    2023-04-01 $499,000 (2.4%) $591,389 (-8.8%) 0.00 145
    2023-05-01 $567,000 (5.2%) $613,238 (-6.2%) 0.00 142
    2023-06-01 $550,000 (10.3%) $602,754 (-2.5%) 0.00 162
    2023-07-01 $565,000 (7.6%) $614,020 (5.2%) 0.00 175
    2023-08-01 $545,000 (9.0%) $622,589 (10.6%) 0.00 195
    2023-09-01 $535,000 (9.8%) $620,428 (12.7%) 0.00 204
    2023-10-01 $512,500 (4.8%) $603,268 (10.6%) 0.00 227
    2023-11-01 $507,450 (4.1%) $588,189 (6.9%) 0.00 243
    2023-12-01 $514,900 (3.5%) $593,963 (6.7%) 0.00 225
    2024-01-01 $547,500 (21.8%) $617,136 (10.3%) 0.00 204
    2024-02-01 $547,450 (12.9%) $613,455 (6.2%) 0.00 188
    2024-03-01 $529,950 (6.2%) $591,090 (1.1%) 0.00 202
    2024-04-01 $500,700 (0.3%) $580,044 (-1.9%) 0.00 201
    2024-05-01 $499,925 (-11.8%) $577,103 (-5.9%) 0.00 235
    2024-06-01 $524,900 (-4.6%) $596,613 (-1.0%) 0.00 268
    2024-07-01 $525,000 (-7.1%) $599,873 (-2.3%) 0.00 285
    2024-08-01 $524,725 (-3.7%) $593,992 (-4.6%) 0.00 315
    2024-09-01 $524,750 (-1.9%) $598,785 (-3.5%) 0.00 303
    2024-10-01 $506,800 (-1.1%) $595,746 (-1.3%) 0.00 302
    2024-11-01 $495,000 (-2.5%) $584,256 (-0.7%) 0.00 291
    2024-12-01 $498,950 (-3.1%) $590,217 (-0.6%) 0.00 263
    2025-01-01 $492,450 (-10.1%) $559,787 (-9.3%) 0.00 238
    Centralia's median listing price for 2025-01-01 was $492,450, a difference of $-55,050 (-10.1%) versus the prior year and $-6,500 versus the prior month.

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

    Centralia's average listing price for 2025-01-01 was $559,787, a difference of $-57,349 (-9.3%) versus the prior year and $-30,430 versus the prior month.

    For the 2025-01-01 period, Centralia had 238 MLS listings, a difference of -25 listings (-10%) versus the prior month and 34 listings (17%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Centralia (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,782 sqft
    2018-02-01 0 days 1,775 sqft
    2018-03-01 0 days 1,875 sqft
    2018-04-01 0 days 1,932 sqft
    2018-05-01 0 days 1,909 sqft
    2018-06-01 0 days 1,906 sqft
    2018-07-01 0 days 1,940 sqft
    2018-08-01 0 days 1,865 sqft
    2018-09-01 0 days 1,864 sqft
    2018-10-01 0 days 1,843 sqft
    2018-11-01 0 days 1,834 sqft
    2018-12-01 0 days 1,878 sqft
    2019-01-01 0 days 1,886 sqft
    2019-02-01 0 days 1,880 sqft
    2019-03-01 0 days 1,851 sqft
    2019-04-01 0 days 1,833 sqft
    2019-05-01 0 days 1,847 sqft
    2019-06-01 0 days 1,782 sqft
    2019-07-01 0 days 1,782 sqft
    2019-08-01 0 days 1,777 sqft
    2019-09-01 0 days 1,770 sqft
    2019-10-01 0 days 1,765 sqft
    2019-11-01 0 days 1,782 sqft
    2019-12-01 0 days 1,782 sqft
    2020-01-01 0 days 1,794 sqft
    2020-02-01 0 days 1,782 sqft
    2020-03-01 0 days 1,757 sqft
    2020-04-01 0 days 1,746 sqft
    2020-05-01 0 days 1,781 sqft
    2020-06-01 0 days 1,801 sqft
    2020-07-01 0 days 1,813 sqft
    2020-08-01 0 days 1,790 sqft
    2020-09-01 0 days 1,709 sqft
    2020-10-01 0 days 1,702 sqft
    2020-11-01 0 days 1,711 sqft
    2020-12-01 0 days 1,764 sqft
    2021-01-01 0 days 1,705 sqft
    2021-02-01 0 days 1,678 sqft
    2021-03-01 0 days 1,570 sqft
    2021-04-01 0 days 1,599 sqft
    2021-05-01 0 days 1,592 sqft
    2021-06-01 0 days 1,644 sqft
    2021-07-01 0 days 1,760 sqft
    2021-08-01 0 days 1,821 sqft
    2021-09-01 0 days 1,839 sqft
    2021-10-01 0 days 1,958 sqft
    2021-11-01 0 days 1,899 sqft
    2021-12-01 0 days 1,800 sqft
    2022-01-01 0 days 1,722 sqft
    2022-02-01 0 days 1,705 sqft
    2022-03-01 0 days 1,786 sqft
    2022-04-01 0 days 1,876 sqft
    2022-05-01 0 days 1,789 sqft
    2022-06-01 0 days 1,762 sqft
    2022-07-01 0 days 1,850 sqft
    2022-08-01 0 days 1,863 sqft
    2022-09-01 0 days 1,810 sqft
    2022-10-01 0 days 1,810 sqft
    2022-11-01 0 days 1,794 sqft
    2022-12-01 0 days 1,792 sqft
    2023-01-01 0 days 1,759 sqft
    2023-02-01 0 days 1,831 sqft
    2023-03-01 0 days 1,864 sqft
    2023-04-01 0 days 1,941 sqft
    2023-05-01 0 days 1,939 sqft
    2023-06-01 0 days 1,868 sqft
    2023-07-01 0 days 1,919 sqft
    2023-08-01 0 days 1,883 sqft
    2023-09-01 0 days 1,892 sqft
    2023-10-01 0 days 1,922 sqft
    2023-11-01 0 days 1,928 sqft
    2023-12-01 0 days 1,908 sqft
    2024-01-01 0 days 1,974 sqft
    2024-02-01 0 days 1,970 sqft
    2024-03-01 0 days 1,944 sqft
    2024-04-01 0 days 1,880 sqft
    2024-05-01 0 days 1,907 sqft
    2024-06-01 0 days 1,920 sqft
    2024-07-01 0 days 1,884 sqft
    2024-08-01 0 days 1,867 sqft
    2024-09-01 0 days 1,800 sqft
    2024-10-01 0 days 1,842 sqft
    2024-11-01 0 days 1,797 sqft
    2024-12-01 0 days 1,764 sqft
    2025-01-01 0 days 1,766 sqft
    Centralia's median listing age (time on market) for 2025-01-01 was 0 days.

    Centralia's median square footage for active listings during the 2025-01-01 period was 1,766 sqft. One year prior, the average listing was 1,974 sqft.

    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.