Centralia VA Loan Rates, Closing Costs & Stats
Centralia, WA
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
0.08%
for the week of 2024-11-29, compared to the national average (all VA variants) of
0% for the same period.
Centralia's average VA mortgage closing costs are $6,977.
The average rate for the prior week (2024-11-22) was
6.75% and
one month ago for the week of 2024-10-25, the
average rate was 6.34%.
The average rate one year ago was 7.19%.
For refis of the same type during the week of 2024-11-29, the average rate
was 0.39%.
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.
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. LouisDate | 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 | $289,450 (14.7%) | $340,071 (8.2%) | 0.00 | 232 |
2018-07-01 | $299,500 (19.9%) | $352,802 (12.8%) | 0.00 | 245 |
2018-08-01 | $297,200 (18.9%) | $345,225 (10.3%) | 0.00 | 282 |
2018-09-01 | $299,000 (19.6%) | $341,470 (10.2%) | 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 (8.0%) | $354,493 (4.2%) | 0.00 | 216 |
2019-07-01 | $319,000 (6.5%) | $364,756 (3.4%) | 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 (6.5%) | 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%) | $386,583 (1.8%) | 0.00 | 224 |
2020-02-01 | $317,900 (0.9%) | $378,725 (1.9%) | 0.00 | 223 |
2020-03-01 | $313,225 (-0.3%) | $378,952 (5.4%) | 0.00 | 232 |
2020-04-01 | $326,125 (5.7%) | $384,492 (8.6%) | 0.00 | 235 |
2020-05-01 | $329,900 (6.9%) | $396,930 (12.0%) | 0.00 | 232 |
2020-06-01 | $334,500 (7.1%) | $401,604 (13.3%) | 0.00 | 221 |
2020-07-01 | $337,000 (5.6%) | $399,479 (9.5%) | 0.00 | 230 |
2020-08-01 | $349,800 (10.6%) | $415,097 (13.1%) | 0.00 | 222 |
2020-09-01 | $330,000 (5.7%) | $410,932 (13.0%) | 0.00 | 233 |
2020-10-01 | $339,900 (9.8%) | $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 (13.0%) | 0.00 | 96 |
2021-02-01 | $349,750 (10.0%) | $457,206 (20.7%) | 0.00 | 86 |
2021-03-01 | $361,250 (15.3%) | $458,335 (21.0%) | 0.00 | 79 |
2021-04-01 | $386,500 (18.5%) | $467,885 (21.7%) | 0.00 | 72 |
2021-05-01 | $399,000 (21.0%) | $478,292 (20.5%) | 0.00 | 91 |
2021-06-01 | $398,225 (19.1%) | $512,574 (27.6%) | 0.00 | 107 |
2021-07-01 | $425,000 (26.1%) | $525,499 (31.6%) | 0.00 | 119 |
2021-08-01 | $436,750 (24.9%) | $521,995 (25.8%) | 0.00 | 140 |
2021-09-01 | $449,450 (36.2%) | $510,244 (24.2%) | 0.00 | 152 |
2021-10-01 | $430,000 (26.5%) | $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 | $565,750 (4.9%) | $612,692 (-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%) | $625,426 (11.1%) | 0.00 | 195 |
2023-09-01 | $532,500 (9.3%) | $618,830 (12.4%) | 0.00 | 203 |
2023-10-01 | $512,475 (4.8%) | $601,639 (10.3%) | 0.00 | 226 |
2023-11-01 | $506,223 (3.9%) | $586,621 (6.6%) | 0.00 | 242 |
2023-12-01 | $512,450 (3.0%) | $592,268 (6.4%) | 0.00 | 224 |
2024-01-01 | $546,000 (21.5%) | $615,292 (10.0%) | 0.00 | 203 |
2024-02-01 | $545,950 (12.6%) | $611,532 (5.9%) | 0.00 | 187 |
2024-03-01 | $529,900 (6.2%) | $589,277 (0.8%) | 0.00 | 201 |
2024-04-01 | $499,962 (0.2%) | $578,194 (-2.2%) | 0.00 | 200 |
2024-05-01 | $524,950 (-7.2%) | $594,238 (-3.0%) | 0.00 | 234 |
2024-06-01 | $525,000 (-4.6%) | $594,357 (-1.4%) | 0.00 | 267 |
2024-07-01 | $525,000 (-7.1%) | $599,873 (-2.3%) | 0.00 | 285 |
2024-08-01 | $524,725 (-3.7%) | $593,992 (-5.0%) | 0.00 | 315 |
2024-09-01 | $524,750 (-1.5%) | $598,785 (-3.2%) | 0.00 | 303 |
2024-10-01 | $506,800 (-1.1%) | $595,746 (-1.0%) | 0.00 | 302 |
Centralia's median listing price comes in at 0% of the national average.
Centralia's average listing price for 2024-10-01 was $595,746, a difference of $-5,893 (-1.0%) versus the prior year and $-3,039 versus the prior month.
For the 2024-10-01 period, Centralia had 302 MLS listings, a difference of -1 listings (0%) versus the prior month and 76 listings (34%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - Centralia (CBSA) retrieved from FRED, Federal Reserve Bank of St. LouisDate | 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 | 1,918 sqft |
2018-06-01 | 0 days | 1,908 sqft |
2018-07-01 | 0 days | 1,945 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 | 1,793 sqft |
2020-02-01 | 0 days | 1,782 sqft |
2020-03-01 | 0 days | 1,757 sqft |
2020-04-01 | 0 days | 1,747 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 | 1,792 sqft |
2020-09-01 | 0 days | 1,716 sqft |
2020-10-01 | 0 days | 1,702 sqft |
2020-11-01 | 0 days | 1,711 sqft |
2020-12-01 | 0 days | 1,761 sqft |
2021-01-01 | 0 days | 1,705 sqft |
2021-02-01 | 0 days | 1,682 sqft |
2021-03-01 | 0 days | 1,577 sqft |
2021-04-01 | 0 days | 1,616 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 | 1,929 sqft |
2023-06-01 | 0 days | 1,873 sqft |
2023-07-01 | 0 days | 1,928 sqft |
2023-08-01 | 0 days | 1,883 sqft |
2023-09-01 | 0 days | 1,888 sqft |
2023-10-01 | 0 days | 1,917 sqft |
2023-11-01 | 0 days | 1,927 sqft |
2023-12-01 | 0 days | 1,898 sqft |
2024-01-01 | 0 days | 1,975 sqft |
2024-02-01 | 0 days | 1,981 sqft |
2024-03-01 | 0 days | 1,958 sqft |
2024-04-01 | 0 days | 1,868 sqft |
2024-05-01 | 0 days | 1,946 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 |
Centralia's median square footage for active listings during the 2024-10-01 period was 1,842 sqft. One year prior, the average listing was 1,917 sqft.