Centralia Mortgage Rates
30yr Fixed Rate
15yr Fixed Rate
FHA
USDA
VA
5/1 ARM
30 Year Fixed Rate mortgages in Centralia averaged
6.03%
for the week of 2022-06-30, compared to the national average of
5.7% for the same period.
The average rate for the prior week (2022-06-23) was
5.94% and
one month ago for the week of 2022-05-26, the
average rate was 5.53%.
Centralia's average rate one year ago was 3.12%.
For refis of the same type during the week of 2022-06-30, the average rate
was 5.95%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2022-06-30 | 5.7% |
| Centralia 30 Year Fixed Rate | 2022-06-30 | 6.03% |
| Centralia 30 Year Fixed Rate Refi | 2022-06-30 | 5.95% |
| Centralia 15 Year Fixed Rate | 2022-06-30 | 5.54% |
| Centralia 15 Year Fixed Rate Refi | 2022-06-30 | 5.28% |
| Centralia 30 Year FHA | 2022-06-30 | 5.67% |
| Centralia 30 Year FHA Refi | 2022-06-30 | 5.87% |
| Centralia 30 Year USDA | 2022-06-30 | 5.51% |
| Centralia 30 Year USDA Refi | 2022-06-30 | 5.53% |
| Centralia 30 Year VA | 2022-06-30 | 5.75% |
| Centralia 30 Year VA Refi | 2022-06-30 | 5.45% |
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 lendor, 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, WA's 195 lenders originated 4,822
loans during 2021. The total origination value was $1,272,010,000, with an average loan value of
$263,793.
The top Centralia lender as defined by loan originations is ACADEMY MORTGAGE CORPORATION, with
228 loans originated. Their average total fees are
$6,141, which is $902
higher than the next largest lender,
QUICKEN LOANS, LLC.
The lowest fee Centralia lenders (with over 10 loans originated) are
KeyBank ($2,165), U.S. Bank ($2,983), Boeing Employees Credit Union ($3,095), WASHINGTON STATE EMPLOYEES Credit Union ($3,107) and CRESCENT MORTGAGE COMPANY ($3,192).
The lowest rate Centralia lenders (with over 10 loans originated) are
BETTER MORTGAGE CORPORATION (2.86%), FIBRE FEDERAL CREDIT UNION (2.89%), AMERISAVE MORTGAGE CORPORATION (2.90%), BROKER SOLUTIONS, INC. (2.98%) and Columbia State Bank (2.99%).
Centralia, WA Lender 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 | 2020 Loan Value | 2021 Loan Value | % Change | 2021 Market Share |
|---|---|---|---|---|
| ACADEMY MORTGAGE CORPORATION | $101,425,000 | $112,470,000 | 10.9% | 8.8% |
| QUICKEN LOANS, LLC | $80,010,000 | $87,050,000 | 8.8% | 6.8% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $33,475,000 | $62,190,000 | 85.8% | 4.9% |
| SUMMIT FUNDING, INC. | $53,375,000 | $52,540,000 | -1.6% | 4.1% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $45,830,000 | $48,395,000 | 5.6% | 3.8% |
| UNITED WHOLESALE MORTGAGE, LLC | $22,460,000 | $45,640,000 | 103.2% | 3.6% |
| TWINSTAR | $45,905,000 | $45,225,000 | -1.5% | 3.6% |
| GUILD MORTGAGE COMPANY | $29,045,000 | $40,915,000 | 40.9% | 3.2% |
| WASHINGTON STATE EMPLOYEES Credit Union | $32,005,000 | $31,400,000 | -1.9% | 2.5% |
| CALIBER HOME LOANS, INC. | $25,505,000 | $31,110,000 | 22.0% | 2.4% |
| Umpqua Bank | $25,615,000 | $29,290,000 | 14.3% | 2.3% |
| FREEDOM MORTGAGE CORPORATION | $41,850,000 | $29,145,000 | -30.4% | 2.3% |
| LOANDEPOT.COM, LLC | $15,675,000 | $28,130,000 | 79.5% | 2.2% |
| PENNYMAC LOAN SERVICES, LLC | $11,750,000 | $24,190,000 | 105.9% | 1.9% |
| Wells Fargo Bank | $13,600,000 | $19,985,000 | 46.9% | 1.6% |
| Mortgage Research Center, LLC | $11,585,000 | $19,345,000 | 67.0% | 1.5% |
| EVERGREEN MONEYSOURCE MORTGAGE COMPANY | $16,235,000 | $18,215,000 | 12.2% | 1.4% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $18,775,000 | $15,860,000 | -15.5% | 1.2% |
| Timberland Bank | $14,745,000 | $15,850,000 | 7.5% | 1.2% |
| CROSSCOUNTRY MORTGAGE, LLC | $12,680,000 | $15,075,000 | 18.9% | 1.2% |
| Olympia Federal Savings & Loan Association | $14,030,000 | $14,880,000 | 6.1% | 1.2% |
| KeyBank | $15,175,000 | $14,475,000 | -4.6% | 1.1% |
| MOVEMENT MORTGAGE, LLC | $12,340,000 | $12,885,000 | 4.4% | 1.0% |
| 1st Security Bank of Washington | $6,730,000 | $12,640,000 | 87.8% | 1.0% |
| MANN FINANCIAL INC. | $10,340,000 | $11,385,000 | 10.1% | 0.9% |
| Boeing Employees Credit Union | $8,700,000 | $11,365,000 | 30.6% | 0.9% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $10,475,000 | $11,225,000 | 7.2% | 0.9% |
| CHURCHILL MORTGAGE CORPORATION | $1,320,000 | $11,005,000 | 733.7% | 0.9% |
| Mr. Cooper ( Nationstar Mortgage ) | $12,515,000 | $10,930,000 | -12.7% | 0.9% |
| AMERISAVE MORTGAGE CORPORATION | $6,720,000 | $10,590,000 | 57.6% | 0.8% |
| BROKER SOLUTIONS, INC. | $9,720,000 | $9,930,000 | 2.2% | 0.8% |
| Flagstar Bank, FSB | $10,395,000 | $9,725,000 | -6.4% | 0.8% |
| Paramount Residential Mortgage Group, Inc. | $9,950,000 | $9,695,000 | -2.6% | 0.8% |
| BAY EQUITY LLC | $5,590,000 | $9,460,000 | 69.2% | 0.7% |
| JPMorgan Chase Bank | $7,325,000 | $8,835,000 | 20.6% | 0.7% |
| PRUDENTIAL MULTIFAMILY MORTGAGE, LLC | $8,755,000 | n/a | 0.7% | |
| LAKEVIEW LOAN SERVICING, LLC | $7,445,000 | $8,730,000 | 17.3% | 0.7% |
| NEWREZ LLC | $3,025,000 | $8,700,000 | 187.6% | 0.7% |
| AXIA FINANCIAL, LLC | $5,775,000 | $7,805,000 | 35.2% | 0.6% |
| FINANCE OF AMERICA MORTGAGE LLC | $6,245,000 | $7,710,000 | 23.5% | 0.6% |
| Washington Federal Bank | $5,790,000 | $7,520,000 | 29.9% | 0.6% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | $8,010,000 | $7,380,000 | -7.9% | 0.6% |
| RED CANOE CREDIT UNION | $5,125,000 | $7,320,000 | 42.8% | 0.6% |
| HomeStreet Bank | $5,415,000 | $6,910,000 | 27.6% | 0.5% |
| NAVY FEDERAL CREDIT UNION | $4,595,000 | $6,855,000 | 49.2% | 0.5% |
| CMG MORTGAGE, INC. | $6,935,000 | $6,705,000 | -3.3% | 0.5% |
| BETTER MORTGAGE CORPORATION | $2,845,000 | $6,535,000 | 129.7% | 0.5% |
| HOME POINT FINANCIAL CORPORATION | $4,415,000 | $6,480,000 | 46.8% | 0.5% |
| FIBRE FEDERAL CREDIT UNION | $5,130,000 | $6,150,000 | 19.9% | 0.5% |
| AMERICAN FINANCIAL NETWORK, INC. | $5,505,000 | $5,970,000 | 8.4% | 0.5% |
| CRESCENT MORTGAGE COMPANY | $3,565,000 | $5,675,000 | 59.2% | 0.4% |
| Columbia State Bank | $5,395,000 | $5,355,000 | -0.7% | 0.4% |
| SUN WEST MORTGAGE COMPANY, INC. | $4,740,000 | $5,150,000 | 8.6% | 0.4% |
| GENEVA FINANCIAL, LLC | $5,825,000 | $5,070,000 | -13.0% | 0.4% |
| The Federal Savings Bank | $5,110,000 | $5,050,000 | -1.2% | 0.4% |
| NEW DAY FINANCIAL, LLC | $2,860,000 | $4,955,000 | 73.3% | 0.4% |
| U.S. Bank | $5,610,000 | $4,865,000 | -13.3% | 0.4% |
| Qualstar Credit Union | $1,395,000 | $4,825,000 | 245.9% | 0.4% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $5,445,000 | $4,780,000 | -12.2% | 0.4% |
| Banner Bank | $4,785,000 | $4,570,000 | -4.5% | 0.4% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $2,005,000 | $3,875,000 | 93.3% | 0.3% |
| Bank of America | $2,000,000 | $3,625,000 | 81.3% | 0.3% |
| PLANET HOME LENDING, LLC | $3,125,000 | $3,615,000 | 15.7% | 0.3% |
| North American Savings Bank, F.S.B. | $1,010,000 | $3,435,000 | 240.1% | 0.3% |
| AMERICAN FINANCING CORPORATION | $1,450,000 | $3,165,000 | 118.3% | 0.2% |
| SUMMIT MORTGAGE CORPORATION | $6,825,000 | $3,125,000 | -54.2% | 0.2% |
| Sierra Pacific Mortgage Company, Inc. | $2,375,000 | $3,115,000 | 31.2% | 0.2% |
| Carrington Mortgage Services, LLC | $5,670,000 | $3,040,000 | -46.4% | 0.2% |
| CORNERSTONE HOME LENDING, INC. | $1,020,000 | $2,955,000 | 189.7% | 0.2% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | $2,500,000 | $2,895,000 | 15.8% | 0.2% |
| DIRECTORS MORTGAGE, INC. | $810,000 | $2,685,000 | 231.5% | 0.2% |
| NATIONS DIRECT MORTGAGE, LLC | $1,150,000 | $2,480,000 | 115.7% | 0.2% |
| First Home Bank | $1,965,000 | $2,455,000 | 24.9% | 0.2% |
| Hometown Lenders, Inc. | $1,630,000 | $2,430,000 | 49.1% | 0.2% |
| AMERICAN FINANCIAL RESOURCES, INC. | $2,640,000 | $2,250,000 | -14.8% | 0.2% |
| Nations Lending Corporation | $1,150,000 | $2,240,000 | 94.8% | 0.2% |
| GSF Mortgage Corporation | $4,035,000 | $2,105,000 | -47.8% | 0.2% |
| VILLAGE CAPITAL & INVESTMENT LLC | $2,385,000 | $2,055,000 | -13.8% | 0.2% |
| Alaska USA Federal Credit Union | $855,000 | $1,960,000 | 129.2% | 0.2% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $3,560,000 | $1,935,000 | -45.6% | 0.2% |
| Strong Home Mortgage, LLC | $1,820,000 | $1,925,000 | 5.8% | 0.2% |
| PRIORITY HOME LENDING, LLC | $540,000 | $1,895,000 | 250.9% | 0.1% |
| Alaska USA Mortgage Company LLC | $1,855,000 | $1,885,000 | 1.6% | 0.1% |
| DIAMOND RESIDENTIAL MORTGAGE CORPORATION | $1,390,000 | $1,875,000 | 34.9% | 0.1% |
| Willamette Valley Bank | $815,000 | $1,805,000 | 121.5% | 0.1% |
| Northwest Farm Credit Services, FLCA | $3,035,000 | $1,770,000 | -41.7% | 0.1% |
| GUARANTEED RATE, INC. | $2,380,000 | $1,765,000 | -25.8% | 0.1% |
| USAA Federal Savings Bank | $4,040,000 | $1,695,000 | -58.0% | 0.1% |
| America's Credit Union | $1,665,000 | n/a | 0.1% | |
| AMERICAN ADVISORS GROUP | $1,585,000 | $1,645,000 | 3.8% | 0.1% |
| INTERNATIONAL CITY MORTGAGE, INC. | $520,000 | $1,640,000 | 215.4% | 0.1% |
| COLUMBIA COMMUNITY CREDIT UNION | $305,000 | $1,635,000 | 436.1% | 0.1% |
| LEADERONE FINANCIAL CORPORATION | $3,190,000 | $1,595,000 | -50.0% | 0.1% |
| MID AMERICA MORTGAGE, INC. | $825,000 | $1,565,000 | 89.7% | 0.1% |
| Toyota Financial Savings Bank | $1,505,000 | n/a | 0.1% | |
| FINANCE OF AMERICA REVERSE LLC | $635,000 | $1,465,000 | 130.7% | 0.1% |
| Heritage Bank | $1,445,000 | n/a | 0.1% | |
| RANLIFE, INC. | $730,000 | $1,330,000 | 82.2% | 0.1% |
| PNC Bank | $830,000 | $1,300,000 | 56.6% | 0.1% |
| SOVEREIGN LENDING GROUP INCORPORATED | $500,000 | $1,295,000 | 159.0% | 0.1% |
| Barrington Bank & Trust Company, N.A. | $1,305,000 | $1,285,000 | -1.5% | 0.1% |
| FIRST TECHNOLOGY | $695,000 | $1,285,000 | 84.9% | 0.1% |
| Solarity Credit Union | $1,275,000 | n/a | 0.1% | |
| STEARNS LENDING, LLC | $500,000 | $1,270,000 | 154.0% | 0.1% |
| PLAZA HOME MORTGAGE, INC. | $2,315,000 | $1,235,000 | -46.7% | 0.1% |
| LENDINGHOME FUNDING CORPORATION | $485,000 | $1,205,000 | 148.5% | 0.1% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | $145,000 | $1,195,000 | 724.1% | 0.1% |
| ZILLOW HOME LOANS, LLC | $635,000 | $1,190,000 | 87.4% | 0.1% |
| Goldwater Bank, N.A. | $225,000 | $1,175,000 | 422.2% | 0.1% |
| LAND HOME FINANCIAL SERVICES, INC. | $1,205,000 | $1,155,000 | -4.1% | 0.1% |
| SOUND | $1,425,000 | $1,145,000 | -19.6% | 0.1% |
| S1L, Inc. | $1,115,000 | n/a | 0.1% | |
| First Savings Bank | $1,975,000 | $1,065,000 | -46.1% | 0.1% |
| Gateway First Bank | $820,000 | $1,065,000 | 29.9% | 0.1% |
| BNC National Bank | $1,055,000 | n/a | 0.1% | |
| CELEBRITY HOME LOANS, LLC | $1,015,000 | $1,040,000 | 2.5% | 0.1% |
| First Federal Savings and Loan Association of Port Angeles | $750,000 | $1,010,000 | 34.7% | 0.1% |
| LPMC, LLC | $1,255,000 | $995,000 | -20.7% | 0.1% |
| MORTGAGE MASTER SERVICE CORPORATION | $450,000 | $970,000 | 115.6% | 0.1% |
| Prosperity Home Mortgage, LLC | $365,000 | $960,000 | 163.0% | 0.1% |
| TJC Mortgage, Inc. | $145,000 | $955,000 | 558.6% | 0.1% |
| OnPoint Community Credit Union | $1,110,000 | $930,000 | -16.2% | 0.1% |
| EMM LOANS LLC | $550,000 | $925,000 | 68.2% | 0.1% |
| GESA | $2,635,000 | $920,000 | -65.1% | 0.1% |
| Bank of the Pacific | $480,000 | $910,000 | 89.6% | 0.1% |
| Quontic Bank | $910,000 | n/a | 0.1% | |
| ROUNDPOINT MORTGAGE SERVICING CORPORATION | $585,000 | $895,000 | 53.0% | 0.1% |
| Unitus Community Credit Union | $1,590,000 | $895,000 | -43.7% | 0.1% |
| Pacific NW Federal Credit Union | $880,000 | n/a | 0.1% | |
| AMCAP MORTGAGE, LTD. | $630,000 | $870,000 | 38.1% | 0.1% |
| First Guaranty Mortgage Corporation | $1,180,000 | $860,000 | -27.1% | 0.1% |
| FIRST CENTENNIAL MORTGAGE CORPORATION | $675,000 | $835,000 | 23.7% | 0.1% |
| Wyndham Capital Mortgage, Inc. | $560,000 | $810,000 | 44.6% | 0.1% |
| First Federal Bank | $450,000 | $795,000 | 76.7% | 0.1% |
| Lakeview Community Capital, LLC | $275,000 | $785,000 | 185.5% | 0.1% |
| Commerce Home Mortgage, Inc. | $265,000 | $760,000 | 186.8% | 0.1% |
| MUFG Union Bank | $405,000 | $755,000 | 86.4% | 0.1% |
| Mid-Continent Funding, Inc. | $740,000 | n/a | 0.1% | |
| MORTGAGE EXPRESS, LLC | $730,000 | n/a | 0.1% | |
| 5TH STREET CAPITAL, INC. | $715,000 | n/a | 0.1% | |
| NETWORK CAPITAL FUNDING CORPORATION | $1,255,000 | $705,000 | -43.8% | 0.1% |
| PHH Mortgage Corporation | $360,000 | $695,000 | 93.1% | 0.1% |
| Deere Employees Credit Union | $690,000 | n/a | 0.1% | |
| PROVIDENT FUNDING ASSOCIATES, L.P. | $1,195,000 | $685,000 | -42.7% | 0.1% |
| Magnolia Bank | $175,000 | $670,000 | 282.9% | 0.1% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | $955,000 | $665,000 | -30.4% | 0.1% |
| HOMESIDE FINANCIAL, LLC | $410,000 | $640,000 | 56.1% | 0.1% |
| ALLIANT CREDIT UNION | $630,000 | n/a | 0.0% | |
| COUNTRYPLACE MORTGAGE, LTD. | $520,000 | $600,000 | 15.4% | 0.0% |
| REVERSE MORTGAGE FUNDING LLC | $600,000 | n/a | 0.0% | |
| Axos Bank | $595,000 | n/a | 0.0% | |
| 21ST MORTGAGE CORPORATION | $810,000 | $590,000 | -27.2% | 0.0% |
| NFM, INC. | $465,000 | $580,000 | 24.7% | 0.0% |
| CANOPY MORTGAGE, LLC | $375,000 | $575,000 | 53.3% | 0.0% |
| PENRITH HOME LOANS LLC | $635,000 | $570,000 | -10.2% | 0.0% |
| Wallick & Volk, Inc. | $205,000 | $570,000 | 178.0% | 0.0% |
| UNION HOME MORTGAGE CORP. | $560,000 | n/a | 0.0% | |
| Old National Bank | $545,000 | n/a | 0.0% | |
| ON Q FINANCIAL, INC. | $165,000 | $545,000 | 230.3% | 0.0% |
| SPOKANE TEACHERS | $545,000 | n/a | 0.0% | |
| The Central Trust Bank | $545,000 | n/a | 0.0% | |
| Bank of England | $540,000 | n/a | 0.0% | |
| PENTAGON FEDERAL CREDIT UNION | $400,000 | $510,000 | 27.5% | 0.0% |
| NP, Inc. | $500,000 | n/a | 0.0% | |
| IAA Credit Union | $1,095,000 | $485,000 | -55.7% | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | $480,000 | n/a | 0.0% | |
| ENVOY MORTGAGE, LTD | $435,000 | $480,000 | 10.3% | 0.0% |
| InterContinental Capital Group, Inc | $640,000 | $480,000 | -25.0% | 0.0% |
| LIBERTY HOME MORTGAGE CORPORATION | $480,000 | n/a | 0.0% | |
| Manufacturers and Traders Trust Company | $480,000 | n/a | 0.0% | |
| JLB CORPORATION | $475,000 | n/a | 0.0% | |
| MASON MCDUFFIE MORTGAGE CORPORATION | $475,000 | n/a | 0.0% | |
| ONY GLO, INC. | $610,000 | $455,000 | -25.4% | 0.0% |
| V.I.P. MORTGAGE, INC. | $775,000 | $455,000 | -41.3% | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | $445,000 | n/a | 0.0% | |
| AMWEST FUNDING CORP. | $195,000 | $435,000 | 123.1% | 0.0% |
| KITSAP Credit Union | $450,000 | $430,000 | -4.4% | 0.0% |
| KELLER MORTGAGE, LLC | $675,000 | $420,000 | -37.8% | 0.0% |
| NBKC BANK | $2,190,000 | $420,000 | -80.8% | 0.0% |
| OPEN MORTGAGE, LLC | $820,000 | $420,000 | -48.8% | 0.0% |
| AmeriHome Mortgage Company, LLC | $280,000 | $410,000 | 46.4% | 0.0% |
| LENDUS, LLC | $1,280,000 | $410,000 | -68.0% | 0.0% |
| BNY Mellon | $405,000 | n/a | 0.0% | |
| NOVA FINANCIAL & INVESTMENT CORPORATION | $265,000 | $405,000 | 52.8% | 0.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $395,000 | n/a | 0.0% | |
| Watermark Capital, Inc. | $835,000 | $390,000 | -53.3% | 0.0% |
| FirstBank | $520,000 | $385,000 | -26.0% | 0.0% |
| First Internet Bank of Indiana | $265,000 | $385,000 | 45.3% | 0.0% |
| ML Mortgage Corp. | $385,000 | n/a | 0.0% | |
| FINANCE OF AMERICA COMMERCIAL LLC | $375,000 | n/a | 0.0% | |
| MORTGAGE MANAGEMENT CONSULTANTS, INC. | $365,000 | n/a | 0.0% | |
| Platinum Home Mortgage Corporation | $365,000 | n/a | 0.0% | |
| UNITED MORTGAGE CORP. | $265,000 | $365,000 | 37.7% | 0.0% |
| iQ Credit Union | $1,615,000 | $360,000 | -77.7% | 0.0% |
| First Interstate Bank | $355,000 | n/a | 0.0% | |
| Neighborhood Loans, Inc. | $355,000 | n/a | 0.0% | |
| DHI MORTGAGE COMPANY, LTD. | $345,000 | n/a | 0.0% | |
| SPRING EQ, LLC | $25,000 | $345,000 | 1,280.0% | 0.0% |
| T2 FINANCIAL LLC | $345,000 | $345,000 | 0.0% | 0.0% |
| HighTechLending Inc | $205,000 | $340,000 | 65.9% | 0.0% |
| First Mortgage Solutions, LLC | $515,000 | $335,000 | -35.0% | 0.0% |
| Third Federal Savings and Loan Association of Cleveland | $330,000 | n/a | 0.0% | |
| CREDIT HUMAN FEDERAL CREDIT UNION | $430,000 | $325,000 | -24.4% | 0.0% |
| DAS Acquisition Company, LLC | $275,000 | $325,000 | 18.2% | 0.0% |
| SOFI LENDING CORP. | $325,000 | n/a | 0.0% | |
| LENOX FINANCIAL MORTGAGE CORPORATION | $315,000 | n/a | 0.0% | |
| NexBank | $315,000 | n/a | 0.0% | |
| Rivermark Community Credit Union | $305,000 | n/a | 0.0% | |
| Sunflower Bank | $1,300,000 | $305,000 | -76.5% | 0.0% |
| PACIFIC RESIDENTIAL MORTGAGE, LLC | $560,000 | $300,000 | -46.4% | 0.0% |
| CITY FIRST MORTGAGE SERVICES, L.L.C. | $295,000 | n/a | 0.0% | |
| Austin Capital Bank SSB | $285,000 | n/a | 0.0% | |
| BAYSHORE MORTGAGE FUNDING, LLC | $265,000 | $285,000 | 7.5% | 0.0% |
| Credence Funding Corporation | $195,000 | $285,000 | 46.2% | 0.0% |
| Equity Prime Mortgage LLC | $325,000 | $285,000 | -12.3% | 0.0% |
| JMAC LENDING, INC. | $285,000 | n/a | 0.0% | |
| PREMIER LENDING, INC. | $285,000 | n/a | 0.0% | |
| WESTERN EXPRESS LENDING | $285,000 | n/a | 0.0% | |
| Baxter Credit Union | $275,000 | n/a | 0.0% | |
| CONTOUR MORTGAGE CORPORATION | $195,000 | $275,000 | 41.0% | 0.0% |
| First National Bank of America | $275,000 | n/a | 0.0% | |
| KINECTA | $275,000 | n/a | 0.0% | |
| Amalgamated Bank | $265,000 | n/a | 0.0% | |
| NATIONWIDE MORTGAGE BANKERS, INC. | $285,000 | $265,000 | -7.0% | 0.0% |
| TIAA, FSB | $265,000 | n/a | 0.0% | |
| LADERA LENDING, INC. | $1,370,000 | $255,000 | -81.4% | 0.0% |
| OCEANSIDE MORTGAGE COMPANY | $255,000 | $255,000 | 0.0% | 0.0% |
| LOANPAL, LLC | $615,000 | $250,000 | -59.3% | 0.0% |
| Arvest Bank | $245,000 | n/a | 0.0% | |
| Opportunity Bank of Montana | $245,000 | n/a | 0.0% | |
| AmRes Corporation | $235,000 | n/a | 0.0% | |
| CHERRY CREEK MORTGAGE, LLC | $315,000 | $235,000 | -25.4% | 0.0% |
| DIGITAL Federal Credit Union | $235,000 | n/a | 0.0% | |
| Peoples Bank | $145,000 | $235,000 | 62.1% | 0.0% |
| CIVIC FINANCIAL SERVICES, LLC | $225,000 | n/a | 0.0% | |
| Loan Simple, Inc. | $480,000 | $225,000 | -53.1% | 0.0% |
| NATIONS RELIABLE LENDING, LLC | $175,000 | $225,000 | 28.6% | 0.0% |
| LOANLEADERS OF AMERICA, INC. | $215,000 | n/a | 0.0% | |
| Figure Lending LLC | $135,000 | $210,000 | 55.6% | 0.0% |
| VERITY | $210,000 | n/a | 0.0% | |
| INTELLILOAN, INC. | $205,000 | n/a | 0.0% | |
| TOP FLITE FINANCIAL, INC. | $195,000 | $205,000 | 5.1% | 0.0% |
| ADVANTIS | $105,000 | $200,000 | 90.5% | 0.0% |
| ROYAL UNITED MORTGAGE LLC | $150,000 | $200,000 | 33.3% | 0.0% |
| SOUTHWEST STAGE FUNDING, LLC | $195,000 | n/a | 0.0% | |
| Stifel Bank and Trust | $185,000 | n/a | 0.0% | |
| WESTWOOD MORTGAGE, INC. | $175,000 | n/a | 0.0% | |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $740,000 | $165,000 | -77.7% | 0.0% |
| Bank of the West | $800,000 | $165,000 | -79.4% | 0.0% |
| Colten Mortgage, LLC | $165,000 | n/a | 0.0% | |
| MLD MORTGAGE INC. | $230,000 | $165,000 | -28.3% | 0.0% |
| RESIDENTIAL BANCORP. | $165,000 | n/a | 0.0% | |
| RELIANCE FIRST CAPITAL, LLC | $175,000 | $155,000 | -11.4% | 0.0% |
| Washington Trust Bank | $705,000 | $155,000 | -78.0% | 0.0% |
| Colonial Savings, F.A. | $245,000 | $145,000 | -40.8% | 0.0% |
| Northpointe Bank | $935,000 | $135,000 | -85.6% | 0.0% |
| HORIZON | $125,000 | n/a | 0.0% | |
| TAPCO Credit Union | $595,000 | $125,000 | -79.0% | 0.0% |
| Ally Bank | $145,000 | $105,000 | -27.6% | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | $180,000 | $95,000 | -47.2% | 0.0% |
| EVANSVILLE TEACHERS | $75,000 | n/a | 0.0% | |
| CASCADE FEDERAL CREDIT UNION | $65,000 | n/a | 0.0% | |
| Discover Bank | $165,000 | $55,000 | -66.7% | 0.0% |
Centralia's top lender by overall market share is ACADEMY MORTGAGE CORPORATION, with 8.8% market share. In second place, with 6.8%, is QUICKEN LOANS, LLC, having originated $87,050,000 in loans. In third place, with 4.9%, is FAIRWAY INDEPENDENT MORTGAGE CORPORATION, having originated $62,190,000 in loans. In third place, with 4.1%, is SUMMIT FUNDING, INC., having originated $52,540,000 in loans. In third place, with 3.8%, is PRIMELENDING, A PLAINSCAPITAL COMPANY, having originated $48,395,000 in loans.
Centralia, WA Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 1,731 | $550,535,000 | $318,044 |
| Refi | 1,445 | $347,955,000 | $240,799 |
| Cash Out Refi | 1,326 | $338,060,000 | $254,947 |
| Other | 193 | $22,215,000 | $115,104 |
| Home Improvement | 127 | $13,245,000 | $104,291 |
Centralia's most frequently cited loan purpose was Home Purchase, with 1,731 originations. The 2nd most popular reason was Refi, with 1,445 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 3-4% | 2,012 | $564,730,000 | $280,681 |
| 2.5-3% | 1,704 | $463,010,000 | $271,719 |
| <2.5% | 798 | $175,920,000 | $220,451 |
| 4-5% | 180 | $53,290,000 | $296,056 |
| 5-6% | 63 | $10,575,000 | $167,857 |
| Over 8% | 11 | $1,245,000 | $113,182 |
| 6-7% | 9 | $845,000 | $93,889 |
| 7-8% | 4 | $350,000 | $87,500 |
During 2021, Centralia's most frequently originated rate bucket was 3-4%, with 2,012 originations.
Loan Sizing (Centralia, WA MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 2,630 | $756,380,000 | $287,597 |
| $100k-200k | 1,101 | $169,705,000 | $154,137 |
| $400k-600k | 571 | $268,545,000 | $470,306 |
| $100,000 or less | 463 | $22,315,000 | $48,197 |
| $600k-1000k | 49 | $33,365,000 | $680,918 |
| $Over $1MM | 8 | $21,700,000 | $2,712,500 |
Centralia's loan sizing saw the bucket of loans from $200k-400k with 2,630 originations, totaling $756,380,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 60-80% | 1,517 | $459,315,000 | $302,779 |
| 80-100% | 1,413 | $466,375,000 | $330,060 |
| 40-60% | 916 | $209,780,000 | $229,017 |
| 20-40% | 408 | $54,550,000 | $133,701 |
| Under 20% | 324 | $12,090,000 | $37,315 |
| Over 100% | 71 | $28,045,000 | $395,000 |
Centralia's loan sizing saw loans grouped in the 60-80% Loan-to-value bucket with 1,517 originations, totaling $459,315,000 in origination value.
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 | $253,750 (27.2%) | $320,295 (12.9%) | 0.00 | 217 |
| 2018-02-01 | $251,500 (15.7%) | $323,070 (10.4%) | 0.00 | 194 |
| 2018-03-01 | $269,500 (18.2%) | $329,847 (9.6%) | 0.00 | 181 |
| 2018-04-01 | $292,000 (17.3%) | $346,008 (12.0%) | 0.00 | 173 |
| 2018-05-01 | $294,750 (16.8%) | $354,785 (13.8%) | 0.00 | 188 |
| 2018-06-01 | $289,900 (13.7%) | $349,907 (5.1%) | 0.00 | 232 |
| 2018-07-01 | $304,450 (21.8%) | $363,529 (11.1%) | 0.00 | 250 |
| 2018-08-01 | $303,750 (20.3%) | $349,465 (7.5%) | 0.00 | 289 |
| 2018-09-01 | $299,500 (17.5%) | $345,316 (9.2%) | 0.00 | 315 |
| 2018-10-01 | $304,450 (21.8%) | $346,893 (10.9%) | 0.00 | 308 |
| 2018-11-01 | $302,000 (19.8%) | $349,975 (7.4%) | 0.00 | 297 |
| 2018-12-01 | $326,900 (28.7%) | $370,773 (16.5%) | 0.00 | 251 |
| 2019-01-01 | $322,500 (27.1%) | $376,826 (17.7%) | 0.00 | 207 |
| 2019-02-01 | $324,575 (29.1%) | $370,994 (14.8%) | 0.00 | 204 |
| 2019-03-01 | $319,614 (18.6%) | $358,534 (8.7%) | 0.00 | 203 |
| 2019-04-01 | $318,614 (9.1%) | $352,674 (1.9%) | 0.00 | 190 |
| 2019-05-01 | $319,745 (8.5%) | $355,947 (0.3%) | 0.00 | 195 |
| 2019-06-01 | $324,944 (12.1%) | $360,564 (3.1%) | 0.00 | 217 |
| 2019-07-01 | $322,000 (5.8%) | $375,940 (3.4%) | 0.00 | 232 |
| 2019-08-01 | $321,571 (5.9%) | $381,652 (9.2%) | 0.00 | 236 |
| 2019-09-01 | $319,571 (6.7%) | $378,855 (9.7%) | 0.00 | 225 |
| 2019-10-01 | $311,400 (2.3%) | $363,980 (4.9%) | 0.00 | 284 |
| 2019-11-01 | $314,000 (4.0%) | $367,392 (5.0%) | 0.00 | 266 |
| 2019-12-01 | $313,950 (-4.0%) | $374,607 (1.0%) | 0.00 | 231 |
| 2020-01-01 | $316,400 (-1.9%) | $386,053 (2.5%) | 0.00 | 223 |
| 2020-02-01 | $319,900 (-1.4%) | $389,262 (4.9%) | 0.00 | 225 |
| 2020-03-01 | $322,500 (0.9%) | $387,549 (8.1%) | 0.00 | 235 |
| 2020-04-01 | $335,000 (5.1%) | $395,152 (12.0%) | 0.00 | 239 |
| 2020-05-01 | $335,000 (4.8%) | $404,107 (13.5%) | 0.00 | 236 |
| 2020-06-01 | $338,950 (4.3%) | $413,114 (14.6%) | 0.00 | 223 |
| 2020-07-01 | $349,700 (8.6%) | $413,353 (10.0%) | 0.00 | 225 |
| 2020-08-01 | $355,000 (10.4%) | $430,648 (12.8%) | 0.00 | 215 |
| 2020-09-01 | $339,975 (6.4%) | $415,098 (9.6%) | 0.00 | 222 |
| 2020-10-01 | $345,000 (10.8%) | $435,873 (19.8%) | 0.00 | 208 |
| 2020-11-01 | $349,700 (11.4%) | $451,548 (22.9%) | 0.00 | 127 |
| 2020-12-01 | $349,500 (11.3%) | $443,567 (18.4%) | 0.00 | 107 |
| 2021-01-01 | $349,900 (10.6%) | $447,917 (16.0%) | 0.00 | 94 |
| 2021-02-01 | $350,000 (9.4%) | $487,581 (25.3%) | 0.00 | 81 |
| 2021-03-01 | $372,500 (15.5%) | $482,560 (24.5%) | 0.00 | 70 |
| 2021-04-01 | $380,000 (13.4%) | $472,248 (19.5%) | 0.00 | 69 |
| 2021-05-01 | $399,500 (19.3%) | $497,123 (23.0%) | 0.00 | 83 |
| 2021-06-01 | $399,450 (17.9%) | $521,160 (26.2%) | 0.00 | 105 |
| 2021-07-01 | $442,500 (26.5%) | $535,632 (29.6%) | 0.00 | 117 |
| 2021-08-01 | $447,000 (25.9%) | $544,247 (26.4%) | 0.00 | 140 |
| 2021-09-01 | $449,450 (32.2%) | $525,289 (26.6%) | 0.00 | 149 |
| 2021-10-01 | $445,000 (29.0%) | $523,690 (20.2%) | 0.00 | 148 |
| 2021-11-01 | $454,250 (29.9%) | $511,754 (13.3%) | 0.00 | 118 |
| 2021-12-01 | $433,450 (24.0%) | $490,332 (10.5%) | 0.00 | 91 |
| 2022-01-01 | $420,000 (20.0%) | $497,478 (11.1%) | 0.00 | 64 |
| 2022-02-01 | $440,000 (25.7%) | $525,602 (7.8%) | 0.00 | 71 |
| 2022-03-01 | $466,750 (25.3%) | $585,967 (21.4%) | 0.00 | 74 |
| 2022-04-01 | $499,000 (31.3%) | $658,390 (39.4%) | 0.00 | 84 |
| 2022-05-01 | $544,500 (36.3%) | $658,421 (32.5%) | 0.00 | 132 |
| 2022-06-01 | $499,450 (25.0%) | $615,384 (18.1%) | 0.00 | 205 |
Centralia's median listing price for 2022-06-01 was $499,450, a difference of
$100,000
(25.0%) versus the prior year and
$-45,050 versus the prior month.
Centralia's median listing price comes in at 0% of the national average.
Centralia's average listing price for 2022-06-01 was $615,384, a difference of $94,224 (18.1%) versus the prior year and $-43,037 versus the prior month.
For the 2022-06-01 period, Centralia had 205 MLS listings, a difference of 73 listings (55%) versus the prior month and 100 listings (95%) versus the prior year.
Centralia's median listing price comes in at 0% of the national average.
Centralia's average listing price for 2022-06-01 was $615,384, a difference of $94,224 (18.1%) versus the prior year and $-43,037 versus the prior month.
For the 2022-06-01 period, Centralia had 205 MLS listings, a difference of 73 listings (55%) versus the prior month and 100 listings (95%) 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 | 1,884 sqft |
| 2018-04-01 | 0 days | 1,972 sqft |
| 2018-05-01 | 0 days | 1,929 sqft |
| 2018-06-01 | 0 days | 1,937 sqft |
| 2018-07-01 | 0 days | 1,986 sqft |
| 2018-08-01 | 0 days | 1,864 sqft |
| 2018-09-01 | 0 days | 1,864 sqft |
| 2018-10-01 | 0 days | 1,850 sqft |
| 2018-11-01 | 0 days | 1,847 sqft |
| 2018-12-01 | 0 days | 1,894 sqft |
| 2019-01-01 | 0 days | 1,887 sqft |
| 2019-02-01 | 0 days | 1,901 sqft |
| 2019-03-01 | 0 days | 1,863 sqft |
| 2019-04-01 | 0 days | 1,832 sqft |
| 2019-05-01 | 0 days | 1,845 sqft |
| 2019-06-01 | 0 days | 1,811 sqft |
| 2019-07-01 | 0 days | 1,822 sqft |
| 2019-08-01 | 0 days | 1,807 sqft |
| 2019-09-01 | 0 days | 1,806 sqft |
| 2019-10-01 | 0 days | 1,785 sqft |
| 2019-11-01 | 0 days | 1,800 sqft |
| 2019-12-01 | 0 days | 1,811 sqft |
| 2020-01-01 | 0 days | 1,825 sqft |
| 2020-02-01 | 0 days | 1,792 sqft |
| 2020-03-01 | 0 days | 1,777 sqft |
| 2020-04-01 | 0 days | 1,779 sqft |
| 2020-05-01 | 0 days | 1,782 sqft |
| 2020-06-01 | 0 days | 1,822 sqft |
| 2020-07-01 | 0 days | 1,848 sqft |
| 2020-08-01 | 0 days | 1,824 sqft |
| 2020-09-01 | 0 days | 1,741 sqft |
| 2020-10-01 | 0 days | 1,728 sqft |
| 2020-11-01 | 0 days | 1,751 sqft |
| 2020-12-01 | 0 days | 1,792 sqft |
| 2021-01-01 | 0 days | 1,728 sqft |
| 2021-02-01 | 0 days | 1,678 sqft |
| 2021-03-01 | 0 days | 1,606 sqft |
| 2021-04-01 | 0 days | 1,657 sqft |
| 2021-05-01 | 0 days | 1,579 sqft |
| 2021-06-01 | 0 days | 1,592 sqft |
| 2021-07-01 | 0 days | 1,782 sqft |
| 2021-08-01 | 0 days | 1,841 sqft |
| 2021-09-01 | 0 days | 1,860 sqft |
| 2021-10-01 | 0 days | 1,968 sqft |
| 2021-11-01 | 0 days | 1,943 sqft |
| 2021-12-01 | 0 days | 1,808 sqft |
| 2022-01-01 | 0 days | 1,760 sqft |
| 2022-02-01 | 0 days | 1,757 sqft |
| 2022-03-01 | 0 days | 1,796 sqft |
| 2022-04-01 | 0 days | 1,872 sqft |
| 2022-05-01 | 0 days | 1,858 sqft |
| 2022-06-01 | 0 days | 1,805 sqft |
Centralia's median listing age (time on market) for 2022-06-01 was 0 days.
Centralia's median square footage for active listings during the 2022-06-01 period was 1,805 sqft. One year prior, the average listing was 1,592 sqft.
Centralia's median square footage for active listings during the 2022-06-01 period was 1,805 sqft. One year prior, the average listing was 1,592 sqft.
