Centralia Mortgage Rates & Closing Costs
30yr Fixed Rate
15yr Fixed Rate
FHA
USDA
VA
5/1 ARM
30 Year Fixed Rate mortgages in Centralia averaged
6.44%
for the week of 2023-05-25, compared to the national average of
6.57% for the same period.
The average rate for the prior week (2023-05-18) was
6.26% and
one month ago for the week of 2023-04-20, the
average rate was 6.26%.
Centralia's average rate one year ago was 5.32%.
For refis of the same type during the week of 2023-05-25, the average rate
was 6.06%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2023-05-25 | 6.57% |
| Centralia 30 Year Fixed Rate | 2023-05-25 | 6.44% |
| Centralia 30 Year Fixed Rate Refi | 2023-05-25 | 6.06% |
| Centralia 15 Year Fixed Rate | 2023-05-25 | 6.17% |
| Centralia 15 Year Fixed Rate Refi | 2023-05-25 | 6.27% |
| Centralia 30 Year FHA | 2023-05-25 | 6.58% |
| Centralia 30 Year FHA Refi | 2023-05-25 | 6.81% |
| Centralia 30 Year USDA | 2023-05-25 | 6.63% |
| Centralia 30 Year USDA Refi | 2023-05-25 | 6.53% |
| Centralia 30 Year VA | 2023-05-25 | 6.26% |
| Centralia 30 Year VA Refi | 2023-05-25 | 6.31% |
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Centralia, WA.
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, WA 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.).
Centralia Average Closing Costs & Other Stats
Centralia, WA's 156 lenders originated 2,900
loans during 2022. The total origination value was $796,910,000, with an average loan value of
$274,797.
Centralia's average closing costs are $6,153.
The top Centralia lender as defined by loan originations is ACADEMY MORTGAGE CORPORATION, with
146 loans originated. Their average total fees are
$8,108, which is $114
higher than the next largest lender,
QUICKEN LOANS, LLC.
The lowest fee Centralia lenders (with over 10 loans originated) are
TWINSTAR ($2,556), WASHINGTON STATE EMPLOYEES Credit Union ($3,390), KeyBank ($3,708), Boeing Employees Credit Union ($4,186) and Wells Fargo Bank ($5,007).
The lowest rate Centralia lenders (with over 10 loans originated) are
PENNYMAC LOAN SERVICES, LLC (4.19%), Umpqua Bank (4.35%), KeyBank (4.42%), LOANDEPOT.COM, LLC (4.44%) and Wells Fargo Bank (4.44%).
Centralia, WA 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 | 2021 Loan Value | 2022 Loan Value | % Change | 2022 Market Share |
|---|---|---|---|---|
| ACADEMY MORTGAGE CORPORATION | $112,470,000 | $78,030,000 | -30.6% | 9.8% |
| QUICKEN LOANS, LLC | $87,050,000 | $47,015,000 | -46.0% | 5.9% |
| UNITED WHOLESALE MORTGAGE, LLC | $45,640,000 | $38,770,000 | -15.1% | 4.9% |
| SUMMIT FUNDING, INC. | $52,540,000 | $32,880,000 | -37.4% | 4.1% |
| TWINSTAR | $45,225,000 | $26,935,000 | -40.4% | 3.4% |
| Umpqua Bank | $29,290,000 | $26,715,000 | -8.8% | 3.4% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $62,190,000 | $26,040,000 | -58.1% | 3.3% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $48,395,000 | $22,540,000 | -53.4% | 2.8% |
| WASHINGTON STATE EMPLOYEES Credit Union | $31,400,000 | $21,385,000 | -31.9% | 2.7% |
| CALIBER HOME LOANS, INC. | $31,110,000 | $21,285,000 | -31.6% | 2.7% |
| GUILD MORTGAGE COMPANY | $40,915,000 | $19,335,000 | -52.7% | 2.4% |
| LOANDEPOT.COM, LLC | $28,130,000 | $17,310,000 | -38.5% | 2.2% |
| Mortgage Research Center, LLC | $19,345,000 | $16,855,000 | -12.9% | 2.1% |
| CROSSCOUNTRY MORTGAGE, LLC | $15,075,000 | $12,325,000 | -18.2% | 1.5% |
| Boeing Employees Credit Union | $11,365,000 | $12,185,000 | 7.2% | 1.5% |
| MANN FINANCIAL INC. | $11,385,000 | $11,055,000 | -2.9% | 1.4% |
| EVERGREEN MONEYSOURCE MORTGAGE COMPANY | $18,215,000 | $10,760,000 | -40.9% | 1.4% |
| FREEDOM MORTGAGE CORPORATION | $29,145,000 | $10,665,000 | -63.4% | 1.3% |
| Timberland Bank | $15,850,000 | $10,145,000 | -36.0% | 1.3% |
| MOVEMENT MORTGAGE, LLC | $12,885,000 | $9,970,000 | -22.6% | 1.3% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $15,860,000 | $9,250,000 | -41.7% | 1.2% |
| Olympia Federal Savings & Loan Association | $14,880,000 | $9,075,000 | -39.0% | 1.1% |
| CHURCHILL MORTGAGE CORPORATION | $11,005,000 | $8,555,000 | -22.3% | 1.1% |
| Mr. Cooper ( Nationstar Mortgage ) | $10,930,000 | $8,085,000 | -26.0% | 1.0% |
| Washington Federal Bank | $7,520,000 | $7,795,000 | 3.7% | 1.0% |
| PENNYMAC LOAN SERVICES, LLC | $24,190,000 | $7,755,000 | -67.9% | 1.0% |
| Flagstar Bank, FSB | $9,725,000 | $7,525,000 | -22.6% | 0.9% |
| Seattle Metropolitan Credit Union | $7,425,000 | n/a | 0.9% | |
| Paramount Residential Mortgage Group, Inc. | $9,695,000 | $7,005,000 | -27.7% | 0.9% |
| KeyBank | $14,475,000 | $6,905,000 | -52.3% | 0.9% |
| HOME POINT FINANCIAL CORPORATION | $6,480,000 | $6,800,000 | 4.9% | 0.9% |
| JPMorgan Chase Bank | $8,835,000 | $6,600,000 | -25.3% | 0.8% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $11,225,000 | $6,465,000 | -42.4% | 0.8% |
| RED CANOE CREDIT UNION | $7,320,000 | $6,265,000 | -14.4% | 0.8% |
| Wells Fargo Bank | $19,985,000 | $6,225,000 | -68.9% | 0.8% |
| AMERISAVE MORTGAGE CORPORATION | $10,590,000 | $5,855,000 | -44.7% | 0.7% |
| BROKER SOLUTIONS, INC. | $9,930,000 | $5,340,000 | -46.2% | 0.7% |
| FIBRE FEDERAL CREDIT UNION | $6,150,000 | $5,005,000 | -18.6% | 0.6% |
| 1st Security Bank of Washington | $12,640,000 | $4,560,000 | -63.9% | 0.6% |
| CMG MORTGAGE, INC. | $6,705,000 | $4,480,000 | -33.2% | 0.6% |
| NAVY FEDERAL CREDIT UNION | $6,855,000 | $4,420,000 | -35.5% | 0.6% |
| BAY EQUITY LLC | $9,460,000 | $4,405,000 | -53.4% | 0.6% |
| O BEE | $4,345,000 | n/a | 0.5% | |
| HomeStreet Bank | $6,910,000 | $4,110,000 | -40.5% | 0.5% |
| FINANCE OF AMERICA MORTGAGE LLC | $7,710,000 | $3,995,000 | -48.2% | 0.5% |
| U.S. Bank | $4,865,000 | $3,935,000 | -19.1% | 0.5% |
| Columbia State Bank | $5,355,000 | $3,780,000 | -29.4% | 0.5% |
| Banner Bank | $4,570,000 | $3,705,000 | -18.9% | 0.5% |
| CRESCENT MORTGAGE COMPANY | $5,675,000 | $3,645,000 | -35.8% | 0.5% |
| LAKEVIEW LOAN SERVICING, LLC | $8,730,000 | $3,280,000 | -62.4% | 0.4% |
| SPOKANE TEACHERS | $545,000 | $3,110,000 | 470.6% | 0.4% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | $7,380,000 | $2,915,000 | -60.5% | 0.4% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | $2,895,000 | $2,595,000 | -10.4% | 0.3% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $1,935,000 | $2,565,000 | 32.6% | 0.3% |
| AXIA FINANCIAL, LLC | $7,805,000 | $2,495,000 | -68.0% | 0.3% |
| NEWREZ LLC | $8,700,000 | $2,490,000 | -71.4% | 0.3% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | $1,195,000 | $2,330,000 | 95.0% | 0.3% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $4,780,000 | $2,325,000 | -51.4% | 0.3% |
| COLUMBIA COMMUNITY CREDIT UNION | $1,635,000 | $2,250,000 | 37.6% | 0.3% |
| AMERICAN HERITAGE LENDING, INC. | $2,155,000 | n/a | 0.3% | |
| iQ Credit Union | $360,000 | $2,130,000 | 491.7% | 0.3% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $3,875,000 | $2,115,000 | -45.4% | 0.3% |
| AMERICAN ADVISORS GROUP | $1,645,000 | $2,105,000 | 28.0% | 0.3% |
| First Home Bank | $2,455,000 | $1,895,000 | -22.8% | 0.2% |
| BETTER MORTGAGE CORPORATION | $6,535,000 | $1,880,000 | -71.2% | 0.2% |
| Carrington Mortgage Services, LLC | $3,040,000 | $1,840,000 | -39.5% | 0.2% |
| GENEVA FINANCIAL, LLC | $5,070,000 | $1,810,000 | -64.3% | 0.2% |
| SOUND | $1,145,000 | $1,785,000 | 55.9% | 0.2% |
| GESA | $920,000 | $1,760,000 | 91.3% | 0.2% |
| GUARANTEED RATE, INC. | $1,765,000 | $1,755,000 | -0.6% | 0.2% |
| First Savings Bank | $1,065,000 | $1,740,000 | 63.4% | 0.2% |
| LEADERONE FINANCIAL CORPORATION | $1,595,000 | $1,695,000 | 6.3% | 0.2% |
| SUMMIT MORTGAGE CORPORATION | $3,125,000 | $1,695,000 | -45.8% | 0.2% |
| Hometown Lenders, Inc. | $2,430,000 | $1,675,000 | -31.1% | 0.2% |
| MOUNTAIN AMERICA | $1,655,000 | n/a | 0.2% | |
| Northpointe Bank | $135,000 | $1,610,000 | 1,092.6% | 0.2% |
| Alaska USA Mortgage Company LLC | $1,885,000 | $1,520,000 | -19.4% | 0.2% |
| BNC National Bank | $1,055,000 | $1,470,000 | 39.3% | 0.2% |
| FIRST TECHNOLOGY | $1,285,000 | $1,470,000 | 14.4% | 0.2% |
| Heritage Bank | $1,445,000 | $1,410,000 | -2.4% | 0.2% |
| Nations Lending Corporation | $2,240,000 | $1,395,000 | -37.7% | 0.2% |
| 21ST MORTGAGE CORPORATION | $590,000 | $1,335,000 | 126.3% | 0.2% |
| S1L, Inc. | $1,115,000 | $1,310,000 | 17.5% | 0.2% |
| USAA Federal Savings Bank | $1,695,000 | $1,300,000 | -23.3% | 0.2% |
| AMERICAN FINANCIAL RESOURCES, INC. | $2,250,000 | $1,295,000 | -42.4% | 0.2% |
| NEW DAY FINANCIAL, LLC | $4,955,000 | $1,255,000 | -74.7% | 0.2% |
| Morgan Stanley Private Bank | $1,240,000 | n/a | 0.2% | |
| NFM, INC. | $580,000 | $1,215,000 | 109.5% | 0.2% |
| Northwest Farm Credit Services, FLCA | $1,770,000 | $1,175,000 | -33.6% | 0.1% |
| ZILLOW HOME LOANS, LLC | $1,190,000 | $1,155,000 | -2.9% | 0.1% |
| Bank of America | $3,625,000 | $1,150,000 | -68.3% | 0.1% |
| Pacific NW Federal Credit Union | $880,000 | $1,150,000 | 30.7% | 0.1% |
| DIRECTORS MORTGAGE, INC. | $2,685,000 | $1,105,000 | -58.8% | 0.1% |
| HARBORSTONE | $1,090,000 | n/a | 0.1% | |
| AMERICAN FINANCING CORPORATION | $3,165,000 | $1,085,000 | -65.7% | 0.1% |
| LPMC, LLC | $995,000 | $1,085,000 | 9.0% | 0.1% |
| Wallick & Volk, Inc. | $570,000 | $1,085,000 | 90.4% | 0.1% |
| PRIORITY HOME LENDING, LLC | $1,895,000 | $1,075,000 | -43.3% | 0.1% |
| T2 FINANCIAL LLC | $345,000 | $1,075,000 | 211.6% | 0.1% |
| The Federal Savings Bank | $5,050,000 | $1,060,000 | -79.0% | 0.1% |
| Sunflower Bank | $305,000 | $1,050,000 | 244.3% | 0.1% |
| NexBank | $315,000 | $1,030,000 | 227.0% | 0.1% |
| EVERETT FINANCIAL, INC. | $970,000 | n/a | 0.1% | |
| GSF Mortgage Corporation | $2,105,000 | $950,000 | -54.9% | 0.1% |
| Commerce Home Mortgage, Inc. | $760,000 | $935,000 | 23.0% | 0.1% |
| MLD MORTGAGE INC. | $165,000 | $925,000 | 460.6% | 0.1% |
| NBKC BANK | $420,000 | $900,000 | 114.3% | 0.1% |
| IAA Credit Union | $485,000 | $870,000 | 79.4% | 0.1% |
| PLANET HOME LENDING, LLC | $3,615,000 | $870,000 | -75.9% | 0.1% |
| PHH Mortgage Corporation | $695,000 | $865,000 | 24.5% | 0.1% |
| Bank of the Pacific | $910,000 | $835,000 | -8.2% | 0.1% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | $665,000 | $830,000 | 24.8% | 0.1% |
| PNC Bank | $1,300,000 | $795,000 | -38.8% | 0.1% |
| Gateway First Bank | $1,065,000 | $780,000 | -26.8% | 0.1% |
| Equity Prime Mortgage LLC | $285,000 | $755,000 | 164.9% | 0.1% |
| Rivermark Community Credit Union | $305,000 | $755,000 | 147.5% | 0.1% |
| CREDIT HUMAN FEDERAL CREDIT UNION | $325,000 | $735,000 | 126.2% | 0.1% |
| CALCON MUTUAL MORTGAGE LLC | $720,000 | n/a | 0.1% | |
| Washington Trust Bank | $155,000 | $685,000 | 341.9% | 0.1% |
| Wyndham Capital Mortgage, Inc. | $810,000 | $675,000 | -16.7% | 0.1% |
| Barrington Bank & Trust Company, N.A. | $1,285,000 | $650,000 | -49.4% | 0.1% |
| Sierra Pacific Mortgage Company, Inc. | $3,115,000 | $650,000 | -79.1% | 0.1% |
| Merchants Mortgage & Trust Corporation | $640,000 | n/a | 0.1% | |
| Kitsap Bank | $635,000 | n/a | 0.1% | |
| MORTGAGE LENDING GROUP LLC | $635,000 | n/a | 0.1% | |
| HighTechLending Inc | $340,000 | $630,000 | 85.3% | 0.1% |
| SOUTHWEST STAGE FUNDING, LLC | $195,000 | $605,000 | 210.3% | 0.1% |
| ADVANTIS | $200,000 | $600,000 | 200.0% | 0.1% |
| Ally Bank | $105,000 | $600,000 | 471.4% | 0.1% |
| AMWEST FUNDING CORP. | $435,000 | $595,000 | 36.8% | 0.1% |
| ROYAL UNITED MORTGAGE LLC | $200,000 | $585,000 | 192.5% | 0.1% |
| First Guaranty Mortgage Corporation | $860,000 | $580,000 | -32.6% | 0.1% |
| MOUNTAIN WEST FINANCIAL, INC. | $575,000 | n/a | 0.1% | |
| DAS Acquisition Company, LLC | $325,000 | $555,000 | 70.8% | 0.1% |
| First-Citizens Bank & Trust Company | $555,000 | n/a | 0.1% | |
| IMPAC MORTGAGE CORP. | $555,000 | n/a | 0.1% | |
| Solarity Credit Union | $1,275,000 | $555,000 | -56.5% | 0.1% |
| CHERRY CREEK MORTGAGE, LLC | $235,000 | $550,000 | 134.0% | 0.1% |
| SPRING EQ, LLC | $345,000 | $545,000 | 58.0% | 0.1% |
| HOMESIDE FINANCIAL, LLC | $640,000 | $540,000 | -15.6% | 0.1% |
| RANLIFE, INC. | $1,330,000 | $540,000 | -59.4% | 0.1% |
| Figure Lending LLC | $210,000 | $535,000 | 154.8% | 0.1% |
| MID AMERICA MORTGAGE, INC. | $1,565,000 | $535,000 | -65.8% | 0.1% |
| The Huntington National Bank | $535,000 | n/a | 0.1% | |
| NATIONS DIRECT MORTGAGE, LLC | $2,480,000 | $530,000 | -78.6% | 0.1% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | $685,000 | $530,000 | -22.6% | 0.1% |
| KITSAP Credit Union | $430,000 | $525,000 | 22.1% | 0.1% |
| CORNERSTONE HOME LENDING, INC. | $2,955,000 | $520,000 | -82.4% | 0.1% |
| North American Savings Bank, F.S.B. | $3,435,000 | $515,000 | -85.0% | 0.1% |
| LENDINGHOME FUNDING CORPORATION | $1,205,000 | $510,000 | -57.7% | 0.1% |
| Community First Bank | $505,000 | n/a | 0.1% | |
| Discover Bank | $55,000 | $500,000 | 809.1% | 0.1% |
| BKCO MORTGAGE, LLC | $495,000 | n/a | 0.1% | |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | $495,000 | n/a | 0.1% | |
| AIR ACADEMY | $485,000 | n/a | 0.1% | |
| LIMA ONE CAPITAL, LLC | $485,000 | n/a | 0.1% | |
| First Federal Savings and Loan Association of Port Angeles | $1,010,000 | $465,000 | -54.0% | 0.1% |
| CU HOME MORTGAGE SOLUTIONS, LLC | $450,000 | n/a | 0.1% | |
| Magnolia Bank | $670,000 | $450,000 | -32.8% | 0.1% |
| PENTAGON FEDERAL CREDIT UNION | $510,000 | $450,000 | -11.8% | 0.1% |
| SOVEREIGN LENDING GROUP INCORPORATED | $1,295,000 | $445,000 | -65.6% | 0.1% |
| First Mortgage Solutions, LLC | $335,000 | $435,000 | 29.9% | 0.1% |
| UBS Bank USA | $435,000 | n/a | 0.1% | |
| America's Credit Union | $1,665,000 | $430,000 | -74.2% | 0.1% |
| Prosperity Home Mortgage, LLC | $960,000 | $425,000 | -55.7% | 0.1% |
| V.I.P. MORTGAGE, INC. | $455,000 | $425,000 | -6.6% | 0.1% |
| CIVIC FINANCIAL SERVICES, LLC | $225,000 | $415,000 | 84.4% | 0.1% |
| GUARANTY HOME MORTGAGE CORPORATION | $415,000 | n/a | 0.1% | |
| UIF CORPORATION | $415,000 | n/a | 0.1% | |
| NETWORK CAPITAL FUNDING CORPORATION | $705,000 | $410,000 | -41.8% | 0.1% |
| First Internet Bank of Indiana | $385,000 | $405,000 | 5.2% | 0.1% |
| SAMMAMISH MORTGAGE COMPANY | $405,000 | n/a | 0.1% | |
| MORTGAGE MASTER SERVICE CORPORATION | $970,000 | $400,000 | -58.8% | 0.1% |
| PACIFIC RESIDENTIAL MORTGAGE, LLC | $300,000 | $395,000 | 31.7% | 0.0% |
| VERITY | $210,000 | $395,000 | 88.1% | 0.0% |
| INTERCAP LENDING INC. | $385,000 | n/a | 0.0% | |
| Lakeview Community Capital, LLC | $785,000 | $385,000 | -51.0% | 0.0% |
| OPEN MORTGAGE, LLC | $420,000 | $385,000 | -8.3% | 0.0% |
| PLAZA HOME MORTGAGE, INC. | $1,235,000 | $385,000 | -68.8% | 0.0% |
| NuVision Federal Credit Union | $380,000 | n/a | 0.0% | |
| TOP FLITE FINANCIAL, INC. | $205,000 | $375,000 | 82.9% | 0.0% |
| Strong Home Mortgage, LLC | $1,925,000 | $365,000 | -81.0% | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | $5,150,000 | $360,000 | -93.0% | 0.0% |
| MASON MCDUFFIE MORTGAGE CORPORATION | $475,000 | $345,000 | -27.4% | 0.0% |
| ROUNDPOINT MORTGAGE SERVICING CORPORATION | $895,000 | $345,000 | -61.5% | 0.0% |
| Citizens Bank | $335,000 | n/a | 0.0% | |
| Sound Community Bank | $330,000 | n/a | 0.0% | |
| Alaska USA Federal Credit Union | $1,960,000 | $325,000 | -83.4% | 0.0% |
| DIAMOND RESIDENTIAL MORTGAGE CORPORATION | $1,875,000 | $325,000 | -82.7% | 0.0% |
| Firefighters First Federal Credit Union | $325,000 | n/a | 0.0% | |
| Network Funding, L.P. | $325,000 | n/a | 0.0% | |
| TRIAD FINANCIAL SERVICES, INC. | $95,000 | $325,000 | 242.1% | 0.0% |
| ALLIANT CREDIT UNION | $630,000 | $315,000 | -50.0% | 0.0% |
| CANOPY MORTGAGE, LLC | $575,000 | $305,000 | -47.0% | 0.0% |
| FineMark National Bank & Trust | $305,000 | n/a | 0.0% | |
| Qualstar Credit Union | $4,825,000 | $305,000 | -93.7% | 0.0% |
| Stifel Bank and Trust | $185,000 | $305,000 | 64.9% | 0.0% |
| Bank of England | $540,000 | $285,000 | -47.2% | 0.0% |
| HORIZON | $125,000 | $285,000 | 128.0% | 0.0% |
| Advisors Mortgage Group, L.L.C. | $275,000 | n/a | 0.0% | |
| AMCAP MORTGAGE, LTD. | $870,000 | $275,000 | -68.4% | 0.0% |
| PENRITH HOME LOANS LLC | $570,000 | $275,000 | -51.8% | 0.0% |
| Meridian Bank Corporation | $265,000 | n/a | 0.0% | |
| Bank of the West | $165,000 | $255,000 | 54.5% | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | $445,000 | $255,000 | -42.7% | 0.0% |
| LENDSURE MORTGAGE CORP. | $255,000 | n/a | 0.0% | |
| LONGBRIDGE FINANCIAL, LLC | $245,000 | n/a | 0.0% | |
| CANVAS CREDIT UNION | $235,000 | n/a | 0.0% | |
| EMM LOANS LLC | $925,000 | $235,000 | -74.6% | 0.0% |
| BOKF | $225,000 | n/a | 0.0% | |
| LAND HOME FINANCIAL SERVICES, INC. | $1,155,000 | $225,000 | -80.5% | 0.0% |
| NATIONS RELIABLE LENDING, LLC | $225,000 | $225,000 | 0.0% | 0.0% |
| TRISTAR FINANCE, INC. | $225,000 | n/a | 0.0% | |
| DHI MORTGAGE COMPANY, LTD. | $345,000 | $215,000 | -37.7% | 0.0% |
| TJC Mortgage, Inc. | $955,000 | $215,000 | -77.5% | 0.0% |
| TAPCO Credit Union | $125,000 | $205,000 | 64.0% | 0.0% |
| ON Q FINANCIAL, INC. | $545,000 | $195,000 | -64.2% | 0.0% |
| MICHIGAN MUTUAL, INC. | $185,000 | n/a | 0.0% | |
| FINANCE OF AMERICA REVERSE LLC | $1,465,000 | $175,000 | -88.1% | 0.0% |
| M&T Bank | $480,000 | $175,000 | -63.5% | 0.0% |
| RESIDENTIAL BANCORP. | $165,000 | $165,000 | 0.0% | 0.0% |
| SALAL | $160,000 | n/a | 0.0% | |
| NW PRIORITY CREDIT UNION | $155,000 | n/a | 0.0% | |
| MORTGAGE EXPRESS, LLC | $730,000 | $145,000 | -80.1% | 0.0% |
| Mid-Continent Funding, Inc. | $740,000 | $135,000 | -81.8% | 0.0% |
| VILLAGE CAPITAL MORTGAGE | $2,055,000 | $135,000 | -93.4% | 0.0% |
| Marriott Employees' Federal Credit Union | $105,000 | n/a | 0.0% | |
| OnPoint Community Credit Union | $930,000 | $105,000 | -88.7% | 0.0% |
| Truist | $85,000 | n/a | 0.0% | |
| DIGITAL Federal Credit Union | $235,000 | $75,000 | -68.1% | 0.0% |
| HomeTrust Bank | $75,000 | n/a | 0.0% | |
| Colonial Savings, F.A. | $145,000 | $55,000 | -62.1% | 0.0% |
| USAGENCIES | $55,000 | n/a | 0.0% |
Centralia's top lender by overall market share is ACADEMY MORTGAGE CORPORATION, with 9.8% market share. In second place, with 5.9%, is QUICKEN LOANS, LLC, having originated $47,015,000 in loans. In third place, with 4.9%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $38,770,000 in loans. In fourth place, with 4.1%, is SUMMIT FUNDING, INC., having originated $32,880,000 in loans. In fifth place, with 3.4%, is TWINSTAR, having originated $26,935,000 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 | $251,500 (29.3%) | $324,447 (17.8%) | 0.00 | 224 |
| 2018-02-01 | $251,200 (22.6%) | $327,864 (17.1%) | 0.00 | 199 |
| 2018-03-01 | $269,500 (23.1%) | $334,312 (15.7%) | 0.00 | 184 |
| 2018-04-01 | $290,750 (18.9%) | $351,578 (15.9%) | 0.00 | 179 |
| 2018-05-01 | $292,500 (17.0%) | $346,977 (13.5%) | 0.00 | 193 |
| 2018-06-01 | $289,450 (13.5%) | $336,705 (7.0%) | 0.00 | 234 |
| 2018-07-01 | $299,500 (19.9%) | $350,757 (12.0%) | 0.00 | 247 |
| 2018-08-01 | $297,088 (18.8%) | $344,754 (10.0%) | 0.00 | 283 |
| 2018-09-01 | $299,000 (18.4%) | $340,920 (9.9%) | 0.00 | 302 |
| 2018-10-01 | $299,250 (20.0%) | $343,477 (12.9%) | 0.00 | 296 |
| 2018-11-01 | $299,000 (19.6%) | $346,281 (9.9%) | 0.00 | 289 |
| 2018-12-01 | $314,900 (26.0%) | $368,393 (16.8%) | 0.00 | 245 |
| 2019-01-01 | $321,250 (27.7%) | $379,863 (17.1%) | 0.00 | 200 |
| 2019-02-01 | $315,000 (25.4%) | $371,656 (13.4%) | 0.00 | 200 |
| 2019-03-01 | $309,950 (15.0%) | $359,401 (7.5%) | 0.00 | 205 |
| 2019-04-01 | $308,675 (6.2%) | $353,878 (0.7%) | 0.00 | 186 |
| 2019-05-01 | $308,675 (5.5%) | $354,552 (2.2%) | 0.00 | 194 |
| 2019-06-01 | $314,944 (8.8%) | $354,904 (5.4%) | 0.00 | 215 |
| 2019-07-01 | $319,000 (6.5%) | $365,395 (4.2%) | 0.00 | 234 |
| 2019-08-01 | $319,000 (7.4%) | $369,988 (7.3%) | 0.00 | 243 |
| 2019-09-01 | $317,500 (6.2%) | $376,055 (10.3%) | 0.00 | 227 |
| 2019-10-01 | $307,225 (2.7%) | $358,183 (4.3%) | 0.00 | 281 |
| 2019-11-01 | $309,450 (3.5%) | $358,846 (3.6%) | 0.00 | 270 |
| 2019-12-01 | $301,213 (-4.4%) | $364,024 (-1.2%) | 0.00 | 230 |
| 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 (0.8%) | $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 (6.1%) | $401,862 (13.2%) | 0.00 | 220 |
| 2020-07-01 | $335,625 (5.2%) | $399,721 (9.4%) | 0.00 | 229 |
| 2020-08-01 | $349,900 (9.7%) | $415,402 (12.3%) | 0.00 | 222 |
| 2020-09-01 | $330,000 (3.9%) | $410,932 (9.3%) | 0.00 | 233 |
| 2020-10-01 | $339,000 (10.3%) | $422,429 (17.9%) | 0.00 | 222 |
| 2020-11-01 | $342,225 (10.6%) | $436,652 (21.7%) | 0.00 | 136 |
| 2020-12-01 | $332,000 (10.2%) | $430,070 (18.1%) | 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 | 290 |
| 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%) | $583,743 (2.1%) | 0.00 | 145 |
| 2023-04-01 | $499,000 (2.4%) | $591,389 (-8.8%) | 0.00 | 145 |
Centralia's median listing price for 2023-04-01 was $499,000, a difference of
$11,550
(2.4%) versus the prior year and
$0 versus the prior month.
Centralia's median listing price comes in at 0% of the national average.
Centralia's average listing price for 2023-04-01 was $591,389, a difference of $-57,088 (-8.8%) versus the prior year and $7,646 versus the prior month.
For the 2023-04-01 period, Centralia had 145 MLS listings, a difference of 0 listings (0%) versus the prior month and 57 listings (65%) versus the prior year.
Centralia's median listing price comes in at 0% of the national average.
Centralia's average listing price for 2023-04-01 was $591,389, a difference of $-57,088 (-8.8%) versus the prior year and $7,646 versus the prior month.
For the 2023-04-01 period, Centralia had 145 MLS listings, a difference of 0 listings (0%) versus the prior month and 57 listings (65%) 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 | 1,782 sqft |
| 2018-03-01 | 0 days | 1,882 sqft |
| 2018-04-01 | 0 days | 1,947 sqft |
| 2018-05-01 | 0 days | 1,919 sqft |
| 2018-06-01 | 0 days | 1,906 sqft |
| 2018-07-01 | 0 days | 1,942 sqft |
| 2018-08-01 | 0 days | 1,864 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 | 1,887 sqft |
| 2019-02-01 | 0 days | 1,887 sqft |
| 2019-03-01 | 0 days | 1,866 sqft |
| 2019-04-01 | 0 days | 1,850 sqft |
| 2019-05-01 | 0 days | 1,851 sqft |
| 2019-06-01 | 0 days | 1,782 sqft |
| 2019-07-01 | 0 days | 1,782 sqft |
| 2019-08-01 | 0 days | 1,782 sqft |
| 2019-09-01 | 0 days | 1,788 sqft |
| 2019-10-01 | 0 days | 1,774 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 | 1,779 sqft |
| 2020-06-01 | 0 days | 1,797 sqft |
| 2020-07-01 | 0 days | 1,800 sqft |
| 2020-08-01 | 0 days | 1,790 sqft |
| 2020-09-01 | 0 days | 1,713 sqft |
| 2020-10-01 | 0 days | 1,702 sqft |
| 2020-11-01 | 0 days | 1,710 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 | 1,607 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 | 1,840 sqft |
| 2021-10-01 | 0 days | 1,960 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 | 1,836 sqft |
| 2023-03-01 | 0 days | 1,865 sqft |
| 2023-04-01 | 0 days | 1,942 sqft |
Centralia's median listing age (time on market) for 2023-04-01 was 0 days.
Centralia's median square footage for active listings during the 2023-04-01 period was 1,942 sqft. One year prior, the average listing was 1,876 sqft.
Centralia's median square footage for active listings during the 2023-04-01 period was 1,942 sqft. One year prior, the average listing was 1,876 sqft.
Centralia, WA Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 1,353 | $474,865,000 | $350,972 |
| Cash Out Refi | 694 | $191,040,000 | $275,274 |
| Refi | 303 | $76,785,000 | $253,416 |
| Home Improvement | 277 | $25,675,000 | $92,690 |
| Other | 273 | $28,545,000 | $104,560 |
Centralia's most frequently cited loan purpose was Home Purchase, with 1,353 originations. The 2nd most popular reason was Cash Out Refi, with 694 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 5-6% | 754 | $219,360,000 | $290,928 |
| 3-4% | 719 | $193,265,000 | $268,797 |
| 4-5% | 593 | $179,845,000 | $303,280 |
| 6-7% | 370 | $102,320,000 | $276,541 |
| 2.5-3% | 184 | $47,220,000 | $256,630 |
| 7-8% | 126 | $26,680,000 | $211,746 |
| <2.5% | 88 | $11,980,000 | $136,136 |
| Over 8% | 52 | $13,340,000 | $256,538 |
During 2022, Centralia's most frequently originated rate bucket was 5-6%, with 754 originations.
Loan Sizing (Centralia, WA MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 1,368 | $407,900,000 | $298,173 |
| $100,000 or less | 498 | $25,940,000 | $52,088 |
| $100k-200k | 484 | $72,380,000 | $149,545 |
| $400k-600k | 466 | $218,550,000 | $468,991 |
| $600k-1000k | 77 | $53,525,000 | $695,130 |
| $Over $1MM | 7 | $18,615,000 | $2,659,286 |
Centralia's loan sizing saw the bucket of loans from $200k-400k with 1,368 originations, totaling $407,900,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 895 | $327,315,000 | $365,715 |
| 60-80% | 719 | $254,225,000 | $353,581 |
| Under 20% | 446 | $24,280,000 | $54,439 |
| 40-60% | 441 | $110,805,000 | $251,259 |
| 20-40% | 316 | $45,870,000 | $145,158 |
| Over 100% | 59 | $25,945,000 | $439,746 |
Centralia's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 895 originations, totaling $327,315,000 in origination value.