Centralia Mortgage Rates & Closing Costs

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

    30 Year Fixed Rate mortgages in Centralia averaged 6.73% 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 6.55% and one month ago for the week of 2025-03-06, the average rate was 6.74%.

    Centralia's average rate one year ago was 6.93%.

    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%
    Centralia 30 Year Fixed Rate 2025-04-10 6.73%
    Centralia 30 Year Fixed Rate Refi 2025-04-10 6.72%
    Centralia 15 Year Fixed Rate 2025-04-10 5.92%
    Centralia 15 Year Fixed Rate Refi 2025-04-10 6.12%
    Centralia 30 Year FHA 2025-04-10 6.33%
    Centralia 30 Year FHA Refi 2025-04-10 6.43%
    Centralia 30 Year USDA 2025-04-10 6.45%
    Centralia 30 Year USDA Refi 2025-04-10 6.55%
    Centralia 30 Year VA 2025-04-10 6.19%
    Centralia 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 Centralia, IL.

    Centralia 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 Centralia, 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
    Peoples National Bank , N.A. 33 6.80% $2,277
    DELMAR FINANCIAL COMPANY 18 7.10% $3,251
    FLAT BRANCH MORTGAGE, INC. 15 6.47% $2,787
    Community Mortgage Banc Corporation 11 6.91% $2,639
    U.S. Bank 8 6.98% $2,881
    QUICKEN LOANS, LLC 6 7.21% $6,895
    ENDEAVOR CAPITAL, LLC. 5 6.85% $3,905
    BROKER SOLUTIONS, INC. 5 7.40% $4,117
    Midland States Bank 5 6.98% $2,631
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 3 7.04% $4,739
    Petefish, Skiles & Co. 3 6.83% $4,076
    Regions Bank 3 6.83% $3,211
    CITIZENS EQUITY FIRST 2 6.81% $1,276
    SCOTT CREDIT UNION 2 6.38% $2,309
    Fifth Third Bank 2 6.93% $2,856
    Wells Fargo Bank 2 6.50% $7,044
    MUTUAL OF OMAHA MORTGAGE, INC. 2 6.56% $5,233
    ZILLOW HOME LOANS, LLC 2 7.31% $3,090
    LEADERONE FINANCIAL CORPORATION 1 7.49% $3,252
    Bank of America 1 5.88% $5,479
    Bank of Hillsboro 1 6.38% $2,578
    Credit Union 1 1 6.63% $4,963
    Encompass Lending Group, LP 1 5.99% $4,630
    FCB Banks 1 6.25% $2,159
    First Bank 1 7.63% $3,651
    First Financial Bank 1 7.13% $3,324
    First Mid Bank & Trust 1 6.50% $1,841
    GUARANTEED RATE, INC. 1 7.30% $4,421
    AMERICAN FINANCIAL NETWORK, INC. 1 6.88% $4,080
    LOANDEPOT.COM, LLC 1 6.99% $8,830
    NAVY FEDERAL CREDIT UNION 1 6.63% $4,652
    PLAZA HOME MORTGAGE, INC. 1 7.13% $3,244
    Prosperity Home Mortgage, LLC 1 7.63% $4,382
    USAA Federal Savings Bank 1 7.38% $2,470
    VANDERBILT MORTGAGE AND FINANCE, INC. 1 7.99% $5,794
    WINGS FINANCIAL 1 6.50% $6,433

    Centralia Average Closing Costs & Other Stats

    Centralia, IL's 36 lenders originated 472 loans during 2024. The total origination value was $59,760,000, with an average loan value of $126,610.

    Centralia's average closing costs are $3,634.

    The top Centralia lender as defined by loan originations is Peoples National Bank , N.A., with 33 loans originated. Their average total fees are $2,277, which is $974 lower than the next largest lender, DELMAR FINANCIAL COMPANY.

    The lowest fee Centralia lenders (with over 10 loans originated) are Peoples National Bank , N.A. ($2,277), Community Mortgage Banc Corporation ($2,639), FLAT BRANCH MORTGAGE, INC. ($2,787), DELMAR FINANCIAL COMPANY ($3,251) and .

    The lowest rate Centralia lenders (with over 10 loans originated) are FLAT BRANCH MORTGAGE, INC. (6.47%), Peoples National Bank , N.A. (6.80%), Community Mortgage Banc Corporation (6.91%), DELMAR FINANCIAL COMPANY (7.10%) and .

    Centralia, 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
    Community Partners Savings Bank $7,120,000 $5,315,000 -25.4% 8.9%
    Peoples National Bank , N.A. $6,575,000 $4,630,000 -29.6% 7.7%
    DELMAR FINANCIAL COMPANY $2,770,000 $3,820,000 37.9% 6.4%
    Mortgage Research Center, LLC $2,830,000 $3,750,000 32.5% 6.3%
    QUICKEN LOANS, LLC $2,470,000 $2,950,000 19.4% 4.9%
    FLAT BRANCH MORTGAGE, INC. $895,000 $2,895,000 223.5% 4.8%
    First Mid Bank & Trust $190,000 $2,515,000 1,223.7% 4.2%
    U.S. Bank $2,870,000 $2,505,000 -12.7% 4.2%
    BROKER SOLUTIONS, INC. $1,545,000 $2,235,000 44.7% 3.7%
    Bank of Hillsboro $45,000 $2,210,000 4,811.1% 3.7%
    Community Mortgage Banc Corporation $3,065,000 $2,115,000 -31.0% 3.5%
    ENDEAVOR CAPITAL, LLC. $2,555,000 $1,840,000 -28.0% 3.1%
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION $710,000 $1,505,000 112.0% 2.5%
    Midland States Bank $1,220,000 $1,240,000 1.6% 2.1%
    Regions Bank $455,000 $1,135,000 149.5% 1.9%
    Dieterich Bank $930,000 n/a 1.6%
    VANDERBILT MORTGAGE AND FINANCE, INC. $710,000 $845,000 19.0% 1.4%
    United Community Bank $690,000 $770,000 11.6% 1.3%
    NAVY FEDERAL CREDIT UNION $330,000 $660,000 100.0% 1.1%
    The FNB Community Bank $400,000 $645,000 61.3% 1.1%
    UNITED WHOLESALE MORTGAGE, LLC $65,000 $645,000 892.3% 1.1%
    FREEDOM MORTGAGE CORPORATION $115,000 $640,000 456.5% 1.1%
    Petefish, Skiles & Co. $750,000 $595,000 -20.7% 1.0%
    MORTGAGE SOLUTIONS OF COLORADO, LLC $265,000 $550,000 107.5% 0.9%
    Germantown Trust & Savings Bank $1,190,000 $525,000 -55.9% 0.9%
    21ST MORTGAGE CORPORATION $1,085,000 $515,000 -52.5% 0.9%
    The Peoples State Bank of Newton, Illinois $25,000 $505,000 1,920.0% 0.8%
    SCOTT CREDIT UNION $115,000 $500,000 334.8% 0.8%
    GUARANTEED RATE, INC. $440,000 $465,000 5.7% 0.8%
    The Federal Savings Bank $445,000 n/a 0.7%
    GUILD MORTGAGE COMPANY $70,000 $435,000 521.4% 0.7%
    AMERISAVE MORTGAGE CORPORATION $395,000 $420,000 6.3% 0.7%
    Alliance Community Bank $405,000 n/a 0.7%
    First Financial Bank $175,000 $385,000 120.0% 0.6%
    Wells Fargo Bank $385,000 $380,000 -1.3% 0.6%
    MUTUAL OF OMAHA MORTGAGE, INC. $55,000 $370,000 572.7% 0.6%
    PENNYMAC LOAN SERVICES, LLC $65,000 $360,000 453.8% 0.6%
    CROSSCOUNTRY MORTGAGE, LLC $805,000 $350,000 -56.5% 0.6%
    ZILLOW HOME LOANS, LLC $125,000 $345,000 176.0% 0.6%
    GENEVA FINANCIAL, LLC $255,000 n/a 0.4%
    Discover Bank $250,000 n/a 0.4%
    Credit Union 1 $245,000 n/a 0.4%
    Prosperity Home Mortgage, LLC $245,000 n/a 0.4%
    COMMUNITYAMERICA $225,000 n/a 0.4%
    Sunflower Bank $225,000 n/a 0.4%
    LOANDEPOT.COM, LLC $85,000 $215,000 152.9% 0.4%
    Mr. Cooper ( Nationstar Mortgage ) $215,000 n/a 0.4%
    PRIMELENDING, A PLAINSCAPITAL COMPANY $205,000 n/a 0.3%
    WINGS FINANCIAL $205,000 n/a 0.3%
    Heartland Bank and Trust Company $200,000 n/a 0.3%
    Northpointe Bank $195,000 n/a 0.3%
    SUN WEST MORTGAGE COMPANY, INC. $185,000 n/a 0.3%
    Third Federal Savings and Loan Association of Cleveland $170,000 n/a 0.3%
    CITIZENS EQUITY FIRST $165,000 n/a 0.3%
    PRIMARY RESIDENTIAL MORTGAGE, INC. $165,000 n/a 0.3%
    The Bradford National Bank of Greenville $500,000 $165,000 -67.0% 0.3%
    Bank of America $155,000 n/a 0.3%
    Figure Lending LLC $35,000 $150,000 328.6% 0.3%
    AMERICAN FINANCING CORPORATION $145,000 n/a 0.2%
    ROYAL UNITED MORTGAGE LLC $65,000 $140,000 115.4% 0.2%
    1ST MIDAMERICA $125,000 $135,000 8.0% 0.2%
    CARDINAL FINANCIAL $135,000 n/a 0.2%
    CREDIT HUMAN FEDERAL CREDIT UNION $110,000 $135,000 22.7% 0.2%
    First Bank $135,000 n/a 0.2%
    PLAZA HOME MORTGAGE, INC. $125,000 n/a 0.2%
    CHURCHILL MORTGAGE CORPORATION $115,000 n/a 0.2%
    Fifth Third Bank $295,000 $110,000 -62.7% 0.2%
    AMERICAN FINANCIAL NETWORK, INC. $105,000 n/a 0.2%
    LEADERONE FINANCIAL CORPORATION $105,000 n/a 0.2%
    The First National Bank in Carlyle $105,000 n/a 0.2%
    Encompass Lending Group, LP $95,000 n/a 0.2%
    NEW DAY FINANCIAL, LLC $95,000 n/a 0.2%
    EVANSVILLE TEACHERS $80,000 n/a 0.1%
    FCB Banks $970,000 $75,000 -92.3% 0.1%
    First Federal Bank $65,000 n/a 0.1%
    GERSHMAN INVESTMENT CORP. $585,000 $65,000 -88.9% 0.1%
    UNION HOME MORTGAGE CORP. $65,000 n/a 0.1%
    Coastal Community Bank $25,000 $55,000 120.0% 0.1%
    STOCKTON MORTGAGE CORPORATION $95,000 $55,000 -42.1% 0.1%
    USAA Federal Savings Bank $550,000 $55,000 -90.0% 0.1%
    Baxter Credit Union $45,000 n/a 0.1%
    CoVantage Credit Union $45,000 n/a 0.1%
    Associated Bank $35,000 n/a 0.1%

    Centralia's top lender by overall market share is Community Partners Savings Bank, with 8.9% market share. In second place, with 7.7%, is Peoples National Bank , N.A., having originated $4,630,000 in loans. In third place, with 6.4%, is DELMAR FINANCIAL COMPANY, having originated $3,820,000 in loans. In fourth place, with 6.3%, is Mortgage Research Center, LLC, having originated $3,750,000 in loans. In fifth place, with 4.9%, is QUICKEN LOANS, LLC, having originated $2,950,000 in loans.

    Centralia Housing Market Trends (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 $94,750 (17.7%) $121,480 (-0.1%) 0.00 153
    2018-02-01 $95,975 (13.3%) $128,087 (2.3%) 0.00 157
    2018-03-01 $96,950 (14.2%) $125,283 (1.2%) 0.00 151
    2018-04-01 $96,450 (7.3%) $127,023 (-0.5%) 0.00 158
    2018-05-01 $103,200 (10.7%) $136,066 (3.8%) 0.00 157
    2018-06-01 $99,000 (8.4%) $133,937 (4.2%) 0.00 160
    2018-07-01 $125,475 (34.9%) $140,347 (9.7%) 0.00 164
    2018-08-01 $120,500 (45.3%) $141,548 (19.0%) 0.00 173
    2018-09-01 $119,900 (38.0%) $143,249 (19.7%) 0.00 161
    2018-10-01 $108,950 (21.2%) $141,393 (15.8%) 0.00 165
    2018-11-01 $107,900 (18.8%) $142,181 (18.4%) 0.00 160
    2018-12-01 $105,500 (14.7%) $141,470 (19.6%) 0.00 162
    2019-01-01 $109,350 (15.4%) $141,309 (16.3%) 0.00 160
    2019-02-01 $105,600 (10.0%) $140,233 (9.5%) 0.00 155
    2019-03-01 $107,743 (11.1%) $138,848 (10.8%) 0.00 153
    2019-04-01 $115,425 (19.7%) $140,829 (10.9%) 0.00 148
    2019-05-01 $122,400 (18.6%) $145,877 (7.2%) 0.00 149
    2019-06-01 $124,900 (26.2%) $146,720 (9.5%) 0.00 155
    2019-07-01 $122,925 (-2.0%) $146,158 (4.1%) 0.00 154
    2019-08-01 $123,391 (2.4%) $145,803 (3.0%) 0.00 147
    2019-09-01 $127,052 (6.0%) $147,571 (3.0%) 0.00 140
    2019-10-01 $129,493 (18.9%) $149,041 (5.4%) 0.00 139
    2019-11-01 $126,000 (16.8%) $153,687 (8.1%) 0.00 142
    2019-12-01 $129,000 (22.3%) $158,562 (12.1%) 0.00 138
    2020-01-01 $129,450 (18.4%) $162,545 (15.0%) 0.00 125
    2020-02-01 $111,950 (6.0%) $156,693 (11.7%) 0.00 122
    2020-03-01 $107,750 (0.0%) $148,135 (6.7%) 0.00 127
    2020-04-01 $104,700 (-9.3%) $143,454 (1.9%) 0.00 127
    2020-05-01 $111,950 (-8.5%) $147,711 (1.3%) 0.00 111
    2020-06-01 $119,450 (-4.4%) $152,588 (4.0%) 0.00 95
    2020-07-01 $111,750 (-9.1%) $153,449 (5.0%) 0.00 94
    2020-08-01 $119,000 (-3.6%) $164,924 (13.1%) 0.00 97
    2020-09-01 $97,700 (-23.1%) $153,786 (4.2%) 0.00 97
    2020-10-01 $92,500 (-28.6%) $140,016 (-6.1%) 0.00 104
    2020-11-01 $70,125 (-44.4%) $129,523 (-15.7%) 0.00 108
    2020-12-01 $69,950 (-45.8%) $130,574 (-17.7%) 0.00 100
    2021-01-01 $79,500 (-38.6%) $144,185 (-11.3%) 0.00 90
    2021-02-01 $83,975 (-25.0%) $164,826 (5.2%) 0.00 87
    2021-03-01 $96,975 (-10.0%) $167,857 (13.3%) 0.00 79
    2021-04-01 $87,625 (-16.3%) $172,705 (20.4%) 0.00 62
    2021-05-01 $94,900 (-15.2%) $181,993 (23.2%) 0.00 56
    2021-06-01 $124,450 (4.2%) $211,678 (38.7%) 0.00 67
    2021-07-01 $127,400 (14.0%) $224,576 (46.4%) 0.00 67
    2021-08-01 $137,400 (15.5%) $222,839 (35.1%) 0.00 73
    2021-09-01 $157,200 (60.9%) $235,655 (53.2%) 0.00 64
    2021-10-01 $154,000 (66.5%) $244,850 (74.9%) 0.00 54
    2021-11-01 $159,925 (128.1%) $253,283 (95.6%) 0.00 59
    2021-12-01 $149,900 (114.3%) $253,388 (94.1%) 0.00 58
    2022-01-01 $145,450 (83.0%) $253,659 (75.9%) 0.00 51
    2022-02-01 $149,000 (77.4%) $279,339 (69.5%) 0.00 44
    2022-03-01 $133,675 (37.8%) $261,109 (55.6%) 0.00 42
    2022-04-01 $111,950 (27.8%) $213,922 (23.9%) 0.00 53
    2022-05-01 $99,925 (5.3%) $202,426 (11.2%) 0.00 56
    2022-06-01 $107,450 (-13.7%) $197,816 (-6.6%) 0.00 67
    2022-07-01 $124,900 (-2.0%) $197,628 (-12.0%) 0.00 70
    2022-08-01 $125,925 (-8.4%) $200,035 (-10.2%) 0.00 67
    2022-09-01 $138,700 (-11.8%) $198,546 (-15.8%) 0.00 83
    2022-10-01 $139,900 (-9.2%) $183,471 (-25.1%) 0.00 81
    2022-11-01 $127,000 (-20.6%) $176,290 (-30.4%) 0.00 75
    2022-12-01 $110,000 (-26.6%) $163,934 (-35.3%) 0.00 70
    2023-01-01 $131,175 (-9.8%) $176,574 (-30.4%) 0.00 69
    2023-02-01 $127,450 (-14.5%) $171,882 (-38.5%) 0.00 79
    2023-03-01 $135,000 (1.0%) $173,228 (-33.7%) 0.00 86
    2023-04-01 $129,750 (15.9%) $162,535 (-24.0%) 0.00 84
    2023-05-01 $128,125 (28.2%) $177,540 (-12.3%) 0.00 74
    2023-06-01 $130,950 (21.9%) $173,796 (-12.1%) 0.00 71
    2023-07-01 $129,900 (4.0%) $162,966 (-17.5%) 0.00 66
    2023-08-01 $115,975 (-7.9%) $152,662 (-23.7%) 0.00 57
    2023-09-01 $112,000 (-19.3%) $142,501 (-28.2%) 0.00 64
    2023-10-01 $124,950 (-10.7%) $139,910 (-23.7%) 0.00 58
    2023-11-01 $138,250 (8.9%) $149,097 (-15.4%) 0.00 62
    2023-12-01 $135,000 (22.7%) $143,253 (-12.6%) 0.00 61
    2024-01-01 $127,200 (-3.0%) $144,528 (-18.2%) 0.00 56
    2024-02-01 $119,500 (-6.2%) $147,306 (-14.3%) 0.00 56
    2024-03-01 $129,950 (-3.7%) $164,523 (-5.0%) 0.00 50
    2024-04-01 $114,250 (-12.0%) $152,158 (-6.4%) 0.00 40
    2024-05-01 $116,500 (-9.1%) $152,965 (-13.8%) 0.00 54
    2024-06-01 $126,000 (-3.8%) $159,209 (-8.4%) 0.00 65
    2024-07-01 $131,250 (1.0%) $181,660 (11.5%) 0.00 62
    2024-08-01 $169,000 (45.7%) $192,384 (26.0%) 0.00 71
    2024-09-01 $133,475 (19.2%) $171,205 (20.1%) 0.00 72
    2024-10-01 $148,950 (19.2%) $195,648 (39.8%) 0.00 73
    2024-11-01 $149,900 (8.4%) $191,637 (28.5%) 0.00 77
    2024-12-01 $145,250 (7.6%) $190,149 (32.7%) 0.00 73
    2025-01-01 $149,900 (17.9%) $203,129 (40.6%) 0.00 69
    2025-02-01 $159,950 (33.9%) $216,687 (47.1%) 0.00 67
    2025-03-01 $155,000 (19.3%) $211,473 (28.5%) 0.00 62
    Centralia's median listing price for 2025-03-01 was $155,000, a difference of $25,050 (19.3%) versus the prior year and $-4,950 versus the prior month.

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

    Centralia's average listing price for 2025-03-01 was $211,473, a difference of $46,950 (28.5%) versus the prior year and $-5,214 versus the prior month.

    For the 2025-03-01 period, Centralia had 62 MLS listings, a difference of -5 listings (-7%) versus the prior month and 12 listings (24%) 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 1,600 sqft
    2018-02-01 0 days 1,649 sqft
    2018-03-01 0 days 1,634 sqft
    2018-04-01 0 days 1,675 sqft
    2018-05-01 0 days 1,717 sqft
    2018-06-01 0 days 1,701 sqft
    2018-07-01 0 days 1,753 sqft
    2018-08-01 0 days 1,773 sqft
    2018-09-01 0 days 1,808 sqft
    2018-10-01 0 days 1,797 sqft
    2018-11-01 0 days 1,821 sqft
    2018-12-01 0 days 1,821 sqft
    2019-01-01 0 days 1,807 sqft
    2019-02-01 0 days 1,774 sqft
    2019-03-01 0 days 1,722 sqft
    2019-04-01 0 days 1,733 sqft
    2019-05-01 0 days 1,772 sqft
    2019-06-01 0 days 1,800 sqft
    2019-07-01 0 days 1,736 sqft
    2019-08-01 0 days 1,782 sqft
    2019-09-01 0 days 1,893 sqft
    2019-10-01 0 days 1,980 sqft
    2019-11-01 0 days 1,862 sqft
    2019-12-01 0 days 1,804 sqft
    2020-01-01 0 days 1,966 sqft
    2020-02-01 0 days 1,804 sqft
    2020-03-01 0 days 1,731 sqft
    2020-04-01 0 days 1,728 sqft
    2020-05-01 0 days 1,734 sqft
    2020-06-01 0 days 1,772 sqft
    2020-07-01 0 days 1,711 sqft
    2020-08-01 0 days 1,796 sqft
    2020-09-01 0 days 1,706 sqft
    2020-10-01 0 days 1,481 sqft
    2020-11-01 0 days 1,434 sqft
    2020-12-01 0 days 1,440 sqft
    2021-01-01 0 days 1,500 sqft
    2021-02-01 0 days 1,541 sqft
    2021-03-01 0 days 1,591 sqft
    2021-04-01 0 days 1,441 sqft
    2021-05-01 0 days 1,562 sqft
    2021-06-01 0 days 1,914 sqft
    2021-07-01 0 days 1,848 sqft
    2021-08-01 0 days 1,941 sqft
    2021-09-01 0 days 1,859 sqft
    2021-10-01 0 days 1,871 sqft
    2021-11-01 0 days 1,937 sqft
    2021-12-01 0 days 1,748 sqft
    2022-01-01 0 days 1,716 sqft
    2022-02-01 0 days 1,621 sqft
    2022-03-01 0 days 1,510 sqft
    2022-04-01 0 days 1,451 sqft
    2022-05-01 0 days 1,413 sqft
    2022-06-01 0 days 1,424 sqft
    2022-07-01 0 days 1,482 sqft
    2022-08-01 0 days 1,482 sqft
    2022-09-01 0 days 1,559 sqft
    2022-10-01 0 days 1,500 sqft
    2022-11-01 0 days 1,420 sqft
    2022-12-01 0 days 1,387 sqft
    2023-01-01 0 days 1,430 sqft
    2023-02-01 0 days 1,454 sqft
    2023-03-01 0 days 1,569 sqft
    2023-04-01 0 days 1,527 sqft
    2023-05-01 0 days 1,480 sqft
    2023-06-01 0 days 1,597 sqft
    2023-07-01 0 days 1,560 sqft
    2023-08-01 0 days 1,546 sqft
    2023-09-01 0 days 1,468 sqft
    2023-10-01 0 days 1,430 sqft
    2023-11-01 0 days 1,500 sqft
    2023-12-01 0 days 1,417 sqft
    2024-01-01 0 days 1,464 sqft
    2024-02-01 0 days 1,438 sqft
    2024-03-01 0 days 1,478 sqft
    2024-04-01 0 days 1,399 sqft
    2024-05-01 0 days 1,494 sqft
    2024-06-01 0 days 1,506 sqft
    2024-07-01 0 days 1,606 sqft
    2024-08-01 0 days 1,668 sqft
    2024-09-01 0 days 1,545 sqft
    2024-10-01 0 days 1,636 sqft
    2024-11-01 0 days 1,624 sqft
    2024-12-01 0 days 1,621 sqft
    2025-01-01 0 days 1,738 sqft
    2025-02-01 0 days 1,743 sqft
    2025-03-01 0 days 1,609 sqft
    Centralia's median listing age (time on market) for 2025-03-01 was 0 days.

    Centralia's median square footage for active listings during the 2025-03-01 period was 1,609 sqft. One year prior, the average listing was 1,478 sqft.

    Centralia, IL Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 288 $40,870,000 $141,910
    Cash Out Refi 64 $7,290,000 $113,906
    Refi 50 $7,400,000 $148,000
    Other 45 $2,855,000 $63,444
    Home Improvement 25 $1,345,000 $53,800

    Centralia's most frequently cited loan purpose was Home Purchase, with 288 originations. The 2nd most popular reason was Cash Out Refi, with 64 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    6-7% 186 $24,540,000 $131,935
    7-8% 104 $17,730,000 $170,481
    Over 8% 47 $3,215,000 $68,404
    5-6% 36 $4,860,000 $135,000
    4-5% 7 $645,000 $92,143
    <2.5% 5 $35,000 $7,000

    During 2024, Centralia's most frequently originated rate bucket was 6-7%, with 186 originations.

    Loan Sizing (Centralia, IL MSA)

    Loan Size Originations Total Value Average Loan
    $100,000 or less 231 $13,595,000 $58,853
    $100k-200k 179 $25,575,000 $142,877
    $200k-400k 55 $14,125,000 $256,818
    $400k-600k 5 $2,245,000 $449,000
    $Over $1MM 2 $4,220,000 $2,110,000

    Centralia's loan sizing saw the bucket of loans from $100,000 or less with 231 originations, totaling $13,595,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 222 $30,560,000 $137,658
    60-80% 67 $12,405,000 $185,149
    40-60% 30 $2,710,000 $90,333
    20-40% 29 $1,475,000 $50,862
    Under 20% 23 $665,000 $28,913
    Over 100% 6 $1,360,000 $226,667

    Centralia's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 222 originations, totaling $30,560,000 in origination value.