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 6.96% for the week of 2023-11-22, compared to the national average of 7.29% for the same period.

The average rate for the prior week (2023-11-16) was 7.21% and one month ago for the week of 2023-10-19, the average rate was 7.5%.

Centralia's average rate one year ago was 6.58%.

For refis of the same type during the week of 2023-11-22, the average rate was 6.98%.

Loan Type Date Rate
US 30 Year Fixed Rate 2023-11-22 7.29%
Centralia 30 Year Fixed Rate 2023-11-22 6.96%
Centralia 30 Year Fixed Rate Refi 2023-11-22 6.98%
Centralia 15 Year Fixed Rate 2023-11-22 6.57%
Centralia 15 Year Fixed Rate Refi 2023-11-22 6.67%
Centralia 30 Year FHA 2023-11-22 -0.23%
Centralia 30 Year FHA Refi 2023-11-22 0.1%
Centralia 30 Year USDA 2023-11-22 -0.1%
Centralia 30 Year USDA Refi 2023-11-22 -0.2%
Centralia 30 Year VA 2023-11-22 -0.15%
Centralia 30 Year VA Refi 2023-11-22 0.2%
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.).

Name # of Loans 2022 Avg. 30yFix Rate 2022 Avg. Closing Costs
ACADEMY MORTGAGE CORPORATION 146 5.29% $8,108
QUICKEN LOANS, LLC 95 4.73% $7,994
UNITED WHOLESALE MORTGAGE, LLC 67 4.94% $7,278
SUMMIT FUNDING, INC. 67 5.40% $8,058
PRIMELENDING, A PLAINSCAPITAL COMPANY 45 5.15% $7,692
CALIBER HOME LOANS, INC. 39 5.02% $6,679
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 38 5.27% $5,979
TWINSTAR 35 4.59% $2,556
GUILD MORTGAGE COMPANY 31 5.02% $7,398
WASHINGTON STATE EMPLOYEES Credit Union 29 4.50% $3,390
Umpqua Bank 28 4.35% $6,704
LOANDEPOT.COM, LLC 25 4.44% $7,422
EVERGREEN MONEYSOURCE MORTGAGE COMPANY 21 5.66% $8,250
Mr. Cooper ( Nationstar Mortgage ) 20 4.57% $9,573
Boeing Employees Credit Union 20 4.67% $4,186
CHURCHILL MORTGAGE CORPORATION 20 5.12% $5,719
JPMorgan Chase Bank 17 4.56% $5,191
HOMEBRIDGE FINANCIAL SERVICES, INC. 16 5.33% $5,430
MOVEMENT MORTGAGE, LLC 16 5.29% $6,293
Wells Fargo Bank 15 4.44% $5,007
Flagstar Bank, FSB 13 4.80% $7,624
CROSSCOUNTRY MORTGAGE, LLC 13 5.47% $7,278
MANN FINANCIAL INC. 13 4.89% $9,306
PENNYMAC LOAN SERVICES, LLC 12 4.19% $6,760
CRESCENT MORTGAGE COMPANY 12 5.11% $6,018
AMERICAN PACIFIC MORTGAGE CORPORATION 11 5.06% $6,366
Paramount Residential Mortgage Group, Inc. 10 4.45% $7,211
KeyBank 10 4.42% $3,708
RED CANOE CREDIT UNION 9 4.43% $6,111
Timberland Bank 9 5.00% $4,741
FREEDOM MORTGAGE CORPORATION 8 5.67% $7,603
AMERISAVE MORTGAGE CORPORATION 8 4.48% $8,262
CMG MORTGAGE, INC. 8 5.03% $9,345
BAY EQUITY LLC 7 4.71% $9,807
BROKER SOLUTIONS, INC. 7 5.18% $6,250
FINANCE OF AMERICA MORTGAGE LLC 6 4.23% $8,197
HomeStreet Bank 6 4.60% $9,614
Washington Federal Bank 6 4.90% $11,845
NEWREZ LLC 5 5.34% $5,446
LEADERONE FINANCIAL CORPORATION 5 4.22% $5,020
CARDINAL FINANCIAL 5 4.85% $6,662
MOUNTAIN AMERICA 5 5.75% $10,783
LAKEVIEW LOAN SERVICING, LLC 5 4.70% $5,420
HOME POINT FINANCIAL CORPORATION 5 4.45% $6,897
SUMMIT MORTGAGE CORPORATION 4 5.22% $5,632
Banner Bank 4 3.88% $5,597
BETTER MORTGAGE CORPORATION 4 3.44% $7,011
COLUMBIA COMMUNITY CREDIT UNION 4 4.91% $3,226
Columbia State Bank 4 5.28% $9,364
FIBRE FEDERAL CREDIT UNION 4 3.72% $5,780
PREMIER MORTGAGE RESOURCES, L.L.C. 4 5.00% $7,090
U.S. Bank 4 5.19% $3,795
1st Security Bank of Washington 4 4.81% $6,401
GUARANTEED RATE, INC. 4 4.70% $8,987
Hometown Lenders, Inc. 4 5.28% $8,420
AXIA FINANCIAL, LLC 3 4.83% $7,488
ZILLOW HOME LOANS, LLC 3 5.38% $12,545
NAVY FEDERAL CREDIT UNION 3 5.33% $6,697
GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 3 4.08% $4,604
NFM, INC. 3 5.88% $8,239
iQ Credit Union 3 5.83% $3,073
Olympia Federal Savings & Loan Association 3 4.92% $3,264
Alaska USA Mortgage Company LLC 3 5.71% $8,194
Northwest Farm Credit Services, FLCA 3 4.82% $6,511
USAA Federal Savings Bank 3 5.75% $9,475
Mortgage Research Center, LLC 3 5.67% $9,455
Bank of the Pacific 3 4.66% $3,289
MORTGAGE SOLUTIONS OF COLORADO, LLC 3 4.63% $15,199
First Home Bank 3 4.21% $12,268
PRIMARY RESIDENTIAL MORTGAGE, INC. 3 4.75% $6,108
PRIORITY HOME LENDING, LLC 3 4.92% $8,051
S1L, Inc. 3 5.33% $6,341
GSF Mortgage Corporation 2 4.31% $14,845
Ally Bank 2 5.31% $8,712
AMERICAN FINANCING CORPORATION 2 5.31% $7,641
Bank of America 2 4.00% $1,517
BNC National Bank 2 4.31% $3,296
CHERRY CREEK MORTGAGE, LLC 2 4.25% $499
Commerce Home Mortgage, Inc. 2 4.25% $3,439
FIRST TECHNOLOGY 2 3.81% $11,807
Gateway First Bank 2 4.25% $4,272
GENEVA FINANCIAL, LLC 2 4.31% $10,373
GESA 2 4.63% $5,416
HOMESIDE FINANCIAL, LLC 2 4.18% $8,787
IAA Credit Union 2 3.88% $2,952
MLD MORTGAGE INC. 2 5.38% $9,966
Morgan Stanley Private Bank 2 3.58% $3,714
MORTGAGE MASTER SERVICE CORPORATION 2 3.56% $5,452
MUTUAL OF OMAHA MORTGAGE, INC. 2 4.06% $12,651
Nations Lending Corporation 2 6.06% $6,468
NBKC BANK 2 4.00% $7,377
NexBank 2 5.63% $6,849
Northpointe Bank 2 6.13% $8,147
O BEE 2 4.81% $2,994
Pacific NW Federal Credit Union 2 5.13% $3,553
PROVIDENT FUNDING ASSOCIATES, L.P. 2 5.06% $2,571
Qualstar Credit Union 2 5.63% $3,422
Rivermark Community Credit Union 2 4.13% $4,947
ROYAL UNITED MORTGAGE LLC 2 5.94% $12,675
Sierra Pacific Mortgage Company, Inc. 2 5.50% $3,814
T2 FINANCIAL LLC 2 5.06% $7,635
Wallick & Volk, Inc. 2 3.81% $5,917
Wyndham Capital Mortgage, Inc. 2 4.88% $3,596
North American Savings Bank, F.S.B. 1 5.38% $3,877
CANOPY MORTGAGE, LLC 1 3.25% $2,052
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 1 6.50% $14,503
NuVision Federal Credit Union 1 3.00% $7,780
BKCO MORTGAGE, LLC 1 3.65% $22,172
GUARANTY HOME MORTGAGE CORPORATION 1 5.50% $11,324
AMERICAN FINANCIAL RESOURCES, INC. 1 5.25% $16,738
PACIFIC RESIDENTIAL MORTGAGE, LLC 1 4.25% $3,611
First Savings Bank 1 4.25% $13,008
First Mortgage Solutions, LLC 1 4.99% $2,399
PENRITH HOME LOANS LLC 1 5.75% $7,907
PLANET HOME LENDING, LLC 1 3.88% $9,875
First Internet Bank of Indiana 1 4.25% $7,729
First Federal Savings and Loan Association of Port Angeles 1 3.25% $2,423
First-Citizens Bank & Trust Company 1 3.88% $4,866
Firefighters First Federal Credit Union 1 4.88% $2,916
Prosperity Home Mortgage, LLC 1 5.00% $4,130
V.I.P. MORTGAGE, INC. 1 5.13% $8,776
ADVANTIS 1 3.13% $3,688
FineMark National Bank & Trust 1 5.00% $3,195
EVERETT FINANCIAL, INC. 1 7.00% $3,027
RESIDENTIAL WHOLESALE MORTGAGE, INC. 1 6.99% $3,997
AMCAP MORTGAGE, LTD. 1 5.63% $4,399
Alaska USA Federal Credit Union 1 6.50% $5,749
EMM LOANS LLC 1 3.63% $7,830
Seattle Metropolitan Credit Union 1 7.63% $3,318
Washington Trust Bank 1 3.88% $5,788
SOUND 1 3.00% $4,025
Sound Community Bank 1 5.75% $4,249
Strong Home Mortgage, LLC 1 4.75% $2,209
DIRECTORS MORTGAGE, INC. 1 3.85% $3,357
DIAMOND RESIDENTIAL MORTGAGE CORPORATION 1 4.88% $5,659
Sunflower Bank 1 5.38% $5,853
AIR ACADEMY 1 4.75% $7,247
The Huntington National Bank 1 2.88% $4,469
DAS Acquisition Company, LLC 1 6.13% $14,212
TJC Mortgage, Inc. 1 6.63% $9,634
MORTGAGE LENDING GROUP LLC 1 5.63% $5,784
TRISTAR FINANCE, INC. 1 3.88% $5,048
MORTGAGE EXPRESS, LLC 1 5.99% $4,639
MICHIGAN MUTUAL, INC. 1 3.63% $6,204
MASON MCDUFFIE MORTGAGE CORPORATION 1 3.88% $8,229
LPMC, LLC 1 4.38% $3,825
LENDSURE MORTGAGE CORP. 1 4.13% $9,255
M&T Bank 1 3.38% $3,948
Truist 1 3.80% $5,932
CU HOME MORTGAGE SOLUTIONS, LLC 1 3.38% $2,081
IMPAC MORTGAGE CORP. 1 3.88% $5,500
UBS Bank USA 1 6.38% $3,277
Network Funding, L.P. 1 5.63% $6,006
HORIZON 1 5.13% $6,019
Carrington Mortgage Services, LLC 1 4.00% $5,626
HOMEXPRESS MORTGAGE CORP. 1 6.75% $8,656

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 $314,171 (16.6%) $359,424 (7.5%) 0.00 203
2019-04-01 $308,584 (6.1%) $353,951 (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 $316,409 (6.5%) $367,715 (6.7%) 0.00 254
2019-09-01 $312,523 (4.5%) $364,226 (6.8%) 0.00 268
2019-10-01 $309,750 (3.5%) $361,900 (5.4%) 0.00 278
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 (-0.5%) $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 (6.1%) $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 (10.6%) $415,402 (13.0%) 0.00 222
2020-09-01 $330,000 (5.6%) $410,932 (12.8%) 0.00 233
2020-10-01 $339,000 (9.4%) $422,429 (16.7%) 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
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%) $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
Centralia's median listing price for 2023-10-01 was $512,475, a difference of $23,475 (4.8%) versus the prior year and $-20,025 versus the prior month.

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

Centralia's average listing price for 2023-10-01 was $601,639, a difference of $56,215 (10.3%) versus the prior year and $-17,191 versus the prior month.

For the 2023-10-01 period, Centralia had 226 MLS listings, a difference of 23 listings (11%) versus the prior month and -45 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 1,782 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 1,886 sqft
2019-02-01 0 days 1,883 sqft
2019-03-01 0 days 1,859 sqft
2019-04-01 0 days 1,842 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 1,777 sqft
2019-09-01 0 days 1,770 sqft
2019-10-01 0 days 1,766 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 1,703 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 1,682 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 1,831 sqft
2023-03-01 0 days 1,861 sqft
2023-04-01 0 days 1,941 sqft
2023-05-01 0 days 1,939 sqft
2023-06-01 0 days 1,873 sqft
2023-07-01 0 days 1,929 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
Centralia's median listing age (time on market) for 2023-10-01 was 0 days.

Centralia's median square footage for active listings during the 2023-10-01 period was 1,917 sqft. One year prior, the average listing was 1,810 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.