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 5.99% for the week of 2024-10-03, compared to the national average of 6.12% for the same period.

The average rate for the prior week (2024-09-26) was 6.15% and one month ago for the week of 2024-08-29, the average rate was 6.42%.

Centralia's average rate one year ago was 7.38%.

For refis of the same type during the week of 2024-10-03, the average rate was 6.42%.

Loan Type Date Rate
US 30 Year Fixed Rate 2024-10-03 6.12%
Centralia 30 Year Fixed Rate 2024-10-03 5.99%
Centralia 30 Year Fixed Rate Refi 2024-10-03 6.42%
Centralia 15 Year Fixed Rate 2024-10-03 5.35%
Centralia 15 Year Fixed Rate Refi 2024-10-03 5.65%
Centralia 30 Year FHA 2024-10-03 6.08%
Centralia 30 Year FHA Refi 2024-10-03 5.69%
Centralia 30 Year USDA 2024-10-03 6.07%
Centralia 30 Year USDA Refi 2024-10-03 5.87%
Centralia 30 Year VA 2024-10-03 5.71%
Centralia 30 Year VA Refi 2024-10-03 5.7%
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 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
ACADEMY MORTGAGE CORPORATION 69 7.00% $10,028
UNITED WHOLESALE MORTGAGE, LLC 53 7.08% $8,562
SUMMIT FUNDING, INC. 34 6.78% $10,076
QUICKEN LOANS, LLC 33 6.66% $9,006
Northpointe Bank 24 6.62% $7,852
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 19 7.04% $7,796
MOVEMENT MORTGAGE, LLC 18 7.05% $10,065
EVERGREEN MONEYSOURCE MORTGAGE COMPANY 17 6.90% $9,937
GUILD MORTGAGE COMPANY 14 6.61% $9,415
CMG MORTGAGE, INC. 14 6.64% $10,252
WASHINGTON STATE EMPLOYEES Credit Union 12 6.09% $3,753
CALIBER HOME LOANS, INC. 10 6.54% $7,574
Timberland Bank 8 6.55% $9,375
CHURCHILL MORTGAGE CORPORATION 8 6.31% $11,252
MANN FINANCIAL INC. 8 6.63% $9,166
CROSSCOUNTRY MORTGAGE, LLC 8 7.13% $10,392
Umpqua Bank 7 6.70% $7,897
TWINSTAR 7 6.93% $2,477
BROKER SOLUTIONS, INC. 7 6.82% $12,425
MOUNTAIN AMERICA 6 6.42% $12,446
AXIA FINANCIAL, LLC 6 6.42% $9,715
NFM, INC. 6 6.64% $8,046
BAY EQUITY LLC 5 6.62% $8,798
Alaska USA Federal Credit Union 5 6.08% $5,712
HomeStreet Bank 4 6.97% $8,187
CRESCENT MORTGAGE COMPANY 4 7.19% $6,718
Boeing Employees Credit Union 4 6.09% $2,993
GUARANTEED RATE, INC. 4 6.64% $5,912
Mr. Cooper ( Nationstar Mortgage ) 4 6.72% $12,106
CARDINAL FINANCIAL 4 6.69% $9,390
HOMEBRIDGE FINANCIAL SERVICES, INC. 3 6.88% $13,019
AMERICAN PACIFIC MORTGAGE CORPORATION 3 7.29% $11,153
CORNERSTONE HOME LENDING, INC. 3 6.88% $13,546
FIBRE FEDERAL CREDIT UNION 3 6.70% $5,540
First National Bank of America 3 11.13% $11,220
JPMorgan Chase Bank 3 7.16% $4,790
KeyBank 3 6.75% $5,044
MLD MORTGAGE INC. 3 6.50% $11,639
O BEE 3 6.58% $4,869
Paramount Residential Mortgage Group, Inc. 3 7.21% $11,059
PLANET HOME LENDING, LLC 3 7.00% $10,550
PREMIER MORTGAGE RESOURCES, L.L.C. 3 7.46% $8,915
RED CANOE CREDIT UNION 3 6.00% $19,549
S1L, Inc. 3 6.92% $6,223
SUMMIT MORTGAGE CORPORATION 3 6.83% $12,182
Seattle Metropolitan Credit Union 2 7.75% $6,839
Sierra Pacific Mortgage Company, Inc. 2 6.94% $8,623
NAVY FEDERAL CREDIT UNION 2 7.31% $6,953
AMERISAVE MORTGAGE CORPORATION 2 6.25% $8,850
U.S. Bank 2 7.51% $4,287
iQ Credit Union 2 6.50% $2,218
NEWREZ LLC 2 7.38% $6,768
NexBank 2 6.50% $7,092
Banner Bank 2 6.81% $7,106
LEADERONE FINANCIAL CORPORATION 2 6.75% $5,686
Morgan Stanley Private Bank 2 6.68% $3,221
NOVA FINANCIAL & INVESTMENT CORPORATION 2 6.31% $883
Washington Federal Bank 2 7.25% $11,714
LOANDEPOT.COM, LLC 2 6.19% $21,842
UNION HOME MORTGAGE CORP. 2 7.50% $9,650
CU HOME MORTGAGE SOLUTIONS, LLC 2 6.94% $3,051
Olympia Federal Savings & Loan Association 2 6.31% $4,953
OnPoint Community Credit Union 2 6.88% $3,829
MUTUAL OF OMAHA MORTGAGE, INC. 2 6.56% $5,705
RESIDENTIAL MORTGAGE, LLC 2 6.69% $5,628
GUARANTY HOME MORTGAGE CORPORATION 2 5.69% $4,279
ROYAL UNITED MORTGAGE LLC 2 6.56% $7,122
Wells Fargo Bank 2 6.25% $1,701
Old National Bank 1 5.88% $8,363
ON Q FINANCIAL, INC. 1 6.75% $10,310
ONY GLO, INC. 1 6.38% $4,803
PENNYMAC LOAN SERVICES, LLC 1 6.50% $6,794
PENRITH HOME LOANS LLC 1 6.25% $4,092
Peoples Bank 1 6.25% $5,242
Plains Commerce Bank 1 7.50% $10,225
VERITAS FUNDING, LLC 1 7.63% $8,622
PLAZA HOME MORTGAGE, INC. 1 6.88% $15,076
PNC Bank 1 7.50% $4,975
PRIMARY RESIDENTIAL MORTGAGE, INC. 1 7.25% $13,149
PRIMELENDING, A PLAINSCAPITAL COMPANY 1 6.13% $10,043
PRIORITY HOME LENDING, LLC 1 7.88% $7,446
Prosperity Home Mortgage, LLC 1 5.75% $7,418
Bank-Fund Staff Federal Credit Union 1 6.50% $3,020
21ST MORTGAGE CORPORATION 1 8.80% $1,093
Sound Community Bank 1 7.25% $4,939
Summit Mortgage Corporation 1 6.38% $7,390
Zions Bank 1 6.50% $3,283
The Central Trust Bank 1 5.88% $3,036
The Huntington National Bank 1 7.88% $4,441
The Loan Store, Inc. 1 6.50% $8,445
America's Credit Union 1 6.74% $4,238
TOP FLITE FINANCIAL, INC. 1 7.13% $8,562
Toyota Financial Savings Bank 1 6.20% $3,798
First Interstate Bank 1 5.88% $9,401
American Mortgage & Equity Consultants, Inc. 1 5.50% $7,998
Flagstar Bank, FSB 1 6.50% $7,397
FREEDOM MORTGAGE CORPORATION 1 7.50% $10,011
Gate City Bank 1 5.88% $2,645
GENEVA FINANCIAL, LLC 1 6.63% $15,540
GUARANTEED RATE AFFINITY, LLC 1 7.13% $5,761
FIRST COLONY MORTGAGE CORPORATION 1 8.00% $7,015
Discover Bank 1 6.99% $0
HARBORSTONE 1 7.50% $8,572
HAPO COMMUNITY CREDIT UNION 1 6.38% $5,082
Heritage Bank 1 6.00% $6,793
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 1 7.63% $9,457
1st Security Bank of Washington 1 6.00% $6,523
HOMEXPRESS MORTGAGE CORP. 1 8.50% $8,308
HSBC BANK USA, NATIONAL ASSOCIATION 1 7.36% $4,389
IAA Credit Union 1 7.00% $3,338
Ixonia Bank 1 6.99% $10,737
Ally Bank 1 6.00% $5,267
KITSAP Credit Union 1 6.13% $4,143
LADERA LENDING, INC. 1 7.49% $6,163
Loan Simple, Inc. 1 6.63% $6,617
LPMC, LLC 1 7.88% $3,596
Comerica Bank 1 7.00% $3,561
ADVANCIAL 1 7.88% $8,144
COLUMBIA COMMUNITY CREDIT UNION 1 5.38% $4,683
City Bank 1 8.13% $9,272
Carrington Mortgage Services, LLC 1 6.25% $9,691
NBKC BANK 1 7.13% $4,302
Bank of America 1 6.13% $5,439
Northwest Farm Credit Services, FLCA 1 7.55% $4,370
NuVision Federal Credit Union 1 7.25% $2,479
USAA Federal Savings Bank 1 7.50% $4,530

Centralia Average Closing Costs & Other Stats

Centralia, WA's 126 lenders originated 1,778 loans during 2023. The total origination value was $478,750,000, with an average loan value of $269,263.

Centralia's average closing costs are $6,512.

The top Centralia lender as defined by loan originations is ACADEMY MORTGAGE CORPORATION, with 69 loans originated. Their average total fees are $10,028, which is $1,466 higher than the next largest lender, UNITED WHOLESALE MORTGAGE, LLC.

The lowest fee Centralia lenders (with over 10 loans originated) are WASHINGTON STATE EMPLOYEES Credit Union ($3,753), CALIBER HOME LOANS, INC. ($7,574), FAIRWAY INDEPENDENT MORTGAGE CORPORATION ($7,796), Northpointe Bank ($7,852) and UNITED WHOLESALE MORTGAGE, LLC ($8,562).

The lowest rate Centralia lenders (with over 10 loans originated) are WASHINGTON STATE EMPLOYEES Credit Union (6.09%), CALIBER HOME LOANS, INC. (6.54%), GUILD MORTGAGE COMPANY (6.61%), Northpointe Bank (6.62%) and CMG MORTGAGE, INC. (6.64%).

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 2022 Loan Value 2023 Loan Value % Change 2023 Market Share
ACADEMY MORTGAGE CORPORATION $78,030,000 $44,690,000 -42.7% 9.3%
UNITED WHOLESALE MORTGAGE, LLC $38,770,000 $32,970,000 -15.0% 6.9%
SUMMIT FUNDING, INC. $32,880,000 $23,865,000 -27.4% 5.0%
QUICKEN LOANS, LLC $47,015,000 $21,040,000 -55.2% 4.4%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $26,040,000 $15,490,000 -40.5% 3.2%
WASHINGTON STATE EMPLOYEES Credit Union $21,385,000 $14,500,000 -32.2% 3.0%
MOVEMENT MORTGAGE, LLC $9,970,000 $12,930,000 29.7% 2.7%
Northpointe Bank $1,610,000 $12,585,000 681.7% 2.6%
EVERGREEN MONEYSOURCE MORTGAGE COMPANY $10,760,000 $11,485,000 6.7% 2.4%
TWINSTAR $26,935,000 $10,565,000 -60.8% 2.2%
Timberland Bank $10,145,000 $9,640,000 -5.0% 2.0%
GUILD MORTGAGE COMPANY $19,335,000 $9,000,000 -53.5% 1.9%
CROSSCOUNTRY MORTGAGE, LLC $12,325,000 $8,245,000 -33.1% 1.7%
CMG MORTGAGE, INC. $4,480,000 $8,050,000 79.7% 1.7%
MANN FINANCIAL INC. $11,055,000 $7,965,000 -28.0% 1.7%
Umpqua Bank $26,715,000 $7,200,000 -73.0% 1.5%
Mortgage Research Center, LLC $16,855,000 $6,545,000 -61.2% 1.4%
AMERICAN PACIFIC MORTGAGE CORPORATION $6,465,000 $6,345,000 -1.9% 1.3%
JONES LANG LASALLE MULTIFAMILY, LLC $6,165,000 n/a 1.3%
1st Security Bank of Washington $4,560,000 $5,445,000 19.4% 1.1%
CALIBER HOME LOANS, INC. $21,285,000 $5,250,000 -75.3% 1.1%
Boeing Employees Credit Union $12,185,000 $4,730,000 -61.2% 1.0%
NAVY FEDERAL CREDIT UNION $4,420,000 $4,640,000 5.0% 1.0%
FIBRE FEDERAL CREDIT UNION $5,005,000 $4,580,000 -8.5% 1.0%
CHURCHILL MORTGAGE CORPORATION $8,555,000 $4,510,000 -47.3% 0.9%
HomeStreet Bank $4,110,000 $4,475,000 8.9% 0.9%
Banner Bank $3,705,000 $4,465,000 20.5% 0.9%
NEWREZ LLC $2,490,000 $4,450,000 78.7% 0.9%
Olympia Federal Savings & Loan Association $9,075,000 $4,445,000 -51.0% 0.9%
BAY EQUITY LLC $4,405,000 $4,275,000 -3.0% 0.9%
BROKER SOLUTIONS, INC. $5,340,000 $3,935,000 -26.3% 0.8%
HOMEBRIDGE FINANCIAL SERVICES, INC. $9,250,000 $3,725,000 -59.7% 0.8%
Washington Federal Bank $7,795,000 $3,695,000 -52.6% 0.8%
LOANDEPOT.COM, LLC $17,310,000 $3,480,000 -79.9% 0.7%
RED CANOE CREDIT UNION $6,265,000 $3,405,000 -45.7% 0.7%
U.S. Bank $3,935,000 $3,240,000 -17.7% 0.7%
AXIA FINANCIAL, LLC $2,495,000 $3,230,000 29.5% 0.7%
CARDINAL FINANCIAL $2,915,000 $3,200,000 9.8% 0.7%
NOVA FINANCIAL & INVESTMENT CORPORATION $3,150,000 n/a 0.7%
GUARANTEED RATE, INC. $1,755,000 $2,980,000 69.8% 0.6%
PENNYMAC LOAN SERVICES, LLC $7,755,000 $2,835,000 -63.4% 0.6%
Heritage Bank $1,410,000 $2,785,000 97.5% 0.6%
NFM, INC. $1,215,000 $2,775,000 128.4% 0.6%
O BEE $4,345,000 $2,775,000 -36.1% 0.6%
FREEDOM MORTGAGE CORPORATION $10,665,000 $2,765,000 -74.1% 0.6%
Flagstar Bank, FSB $7,525,000 $2,730,000 -63.7% 0.6%
MORTGAGE SOLUTIONS OF COLORADO, LLC $2,565,000 $2,650,000 3.3% 0.6%
MOUNTAIN AMERICA $1,655,000 $2,640,000 59.5% 0.6%
Paramount Residential Mortgage Group, Inc. $7,005,000 $2,485,000 -64.5% 0.5%
AMERISAVE MORTGAGE CORPORATION $5,855,000 $2,465,000 -57.9% 0.5%
UNION HOME MORTGAGE CORP. $2,325,000 n/a 0.5%
KeyBank $6,905,000 $2,220,000 -67.8% 0.5%
Alaska USA Federal Credit Union $325,000 $2,200,000 576.9% 0.5%
SaviBank $1,985,000 n/a 0.4%
TRIAD FINANCIAL SERVICES, INC. $325,000 $1,920,000 490.8% 0.4%
PREMIER MORTGAGE RESOURCES, L.L.C. $2,595,000 $1,860,000 -28.3% 0.4%
Carrington Mortgage Services, LLC $1,840,000 $1,850,000 0.5% 0.4%
Mr. Cooper ( Nationstar Mortgage ) $8,085,000 $1,795,000 -77.8% 0.4%
SUMMIT MORTGAGE CORPORATION $1,695,000 $1,690,000 -0.3% 0.4%
CORNERSTONE HOME LENDING, INC. $520,000 $1,665,000 220.2% 0.3%
MUTUAL OF OMAHA MORTGAGE, INC. $2,115,000 $1,525,000 -27.9% 0.3%
CRESCENT MORTGAGE COMPANY $3,645,000 $1,505,000 -58.7% 0.3%
AMERICAN FINANCIAL NETWORK, INC. $1,500,000 n/a 0.3%
PLAZA HOME MORTGAGE, INC. $385,000 $1,470,000 281.8% 0.3%
The Federal Savings Bank $1,060,000 $1,410,000 33.0% 0.3%
COLUMBIA COMMUNITY CREDIT UNION $2,250,000 $1,350,000 -40.0% 0.3%
MLD MORTGAGE INC. $925,000 $1,340,000 44.9% 0.3%
OnPoint Community Credit Union $105,000 $1,250,000 1,090.5% 0.3%
T2 FINANCIAL LLC $1,075,000 $1,205,000 12.1% 0.3%
JPMorgan Chase Bank $6,600,000 $1,160,000 -82.4% 0.2%
Willamette Valley Bank $1,140,000 n/a 0.2%
Discover Bank $500,000 $1,100,000 120.0% 0.2%
Sierra Pacific Mortgage Company, Inc. $650,000 $1,100,000 69.2% 0.2%
PNC Bank $795,000 $1,085,000 36.5% 0.2%
SOUND $1,785,000 $1,085,000 -39.2% 0.2%
SUN WEST MORTGAGE COMPANY, INC. $360,000 $1,085,000 201.4% 0.2%
Bank of America $1,150,000 $1,055,000 -8.3% 0.2%
Prosperity Home Mortgage, LLC $425,000 $1,050,000 147.1% 0.2%
PRIMARY RESIDENTIAL MORTGAGE, INC. $2,325,000 $980,000 -57.8% 0.2%
AMERITRUST MORTGAGE CORPORATION $975,000 n/a 0.2%
Loan Simple, Inc. $975,000 n/a 0.2%
PLANET HOME LENDING, LLC $870,000 $965,000 10.9% 0.2%
Summit Mortgage Corporation $960,000 n/a 0.2%
GUARANTEED RATE AFFINITY, LLC $950,000 n/a 0.2%
MASON MCDUFFIE MORTGAGE CORPORATION $345,000 $940,000 172.5% 0.2%
First National Bank of America $925,000 n/a 0.2%
21ST MORTGAGE CORPORATION $1,335,000 $915,000 -31.5% 0.2%
SAMMAMISH MORTGAGE COMPANY $405,000 $910,000 124.7% 0.2%
America's Credit Union $430,000 $865,000 101.2% 0.2%
S1L, Inc. $1,310,000 $865,000 -34.0% 0.2%
USAA Federal Savings Bank $1,300,000 $855,000 -34.2% 0.2%
CREDIT HUMAN FEDERAL CREDIT UNION $735,000 $810,000 10.2% 0.2%
The Loan Store, Inc. $810,000 n/a 0.2%
Lower Columbia Longshoremen's Federal Credit Union $770,000 n/a 0.2%
NexBank $1,030,000 $770,000 -25.2% 0.2%
The Huntington National Bank $535,000 $765,000 43.0% 0.2%
Toyota Financial Savings Bank $765,000 n/a 0.2%
HARBORSTONE $1,090,000 $750,000 -31.2% 0.2%
VERITAS FUNDING, LLC $750,000 n/a 0.2%
iQ Credit Union $2,130,000 $720,000 -66.2% 0.2%
ON Q FINANCIAL, INC. $195,000 $700,000 259.0% 0.1%
Morgan Stanley Private Bank $1,240,000 $680,000 -45.2% 0.1%
PANORAMA MORTGAGE GROUP, LLC $675,000 n/a 0.1%
The Central Trust Bank $655,000 n/a 0.1%
Equity Prime Mortgage LLC $755,000 $640,000 -15.2% 0.1%
Wells Fargo Bank $6,225,000 $640,000 -89.7% 0.1%
FINANCE OF AMERICA REVERSE LLC $175,000 $635,000 262.9% 0.1%
IAA Credit Union $870,000 $625,000 -28.2% 0.1%
KITSAP Credit Union $525,000 $620,000 18.1% 0.1%
Seattle Metropolitan Credit Union $7,425,000 $610,000 -91.8% 0.1%
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. $830,000 $595,000 -28.3% 0.1%
Truist $85,000 $575,000 576.5% 0.1%
First Interstate Bank $555,000 n/a 0.1%
Gate City Bank $555,000 n/a 0.1%
Plains Commerce Bank $540,000 n/a 0.1%
City Bank $535,000 n/a 0.1%
HOMEXPRESS MORTGAGE CORP. $255,000 $530,000 107.8% 0.1%
JMAC LENDING, INC. $530,000 n/a 0.1%
PRIORITY HOME LENDING, LLC $1,075,000 $530,000 -50.7% 0.1%
LEADERONE FINANCIAL CORPORATION $1,695,000 $515,000 -69.6% 0.1%
PRIMELENDING, A PLAINSCAPITAL COMPANY $22,540,000 $515,000 -97.7% 0.1%
FIRST COLONY MORTGAGE CORPORATION $485,000 n/a 0.1%
GENEVA FINANCIAL, LLC $1,810,000 $475,000 -73.8% 0.1%
V.I.P. MORTGAGE, INC. $425,000 $475,000 11.8% 0.1%
GESA $1,760,000 $455,000 -74.1% 0.1%
MORTGAGE EXPRESS, LLC $145,000 $445,000 206.9% 0.1%
MORTGAGE LENDING GROUP LLC $635,000 $445,000 -29.9% 0.1%
VILLAGE CAPITAL MORTGAGE $135,000 $445,000 229.6% 0.1%
AMERICAN FINANCIAL RESOURCES, INC. $1,295,000 $435,000 -66.4% 0.1%
EVERETT FINANCIAL, INC. $970,000 $435,000 -55.2% 0.1%
DIAMOND RESIDENTIAL MORTGAGE CORPORATION $325,000 $425,000 30.8% 0.1%
Gateway First Bank $780,000 $425,000 -45.5% 0.1%
RESIDENTIAL MORTGAGE, LLC $420,000 n/a 0.1%
Ixonia Bank $415,000 n/a 0.1%
Figure Lending LLC $535,000 $410,000 -23.4% 0.1%
Comerica Bank $405,000 n/a 0.1%
Peoples Bank $405,000 n/a 0.1%
Zions Bank $405,000 n/a 0.1%
TAPCO Credit Union $205,000 $400,000 95.1% 0.1%
NEW DAY FINANCIAL, LLC $1,255,000 $395,000 -68.5% 0.1%
AMERICAN HERITAGE LENDING, INC. $2,155,000 $385,000 -82.1% 0.1%
Armed Forces Bank $375,000 n/a 0.1%
SeaTrust Mortgage Company $375,000 n/a 0.1%
CU HOME MORTGAGE SOLUTIONS, LLC $450,000 $370,000 -17.8% 0.1%
Bank-Fund Staff Federal Credit Union $365,000 n/a 0.1%
HSBC BANK USA, NATIONAL ASSOCIATION $365,000 n/a 0.1%
DAS Acquisition Company, LLC $555,000 $355,000 -36.0% 0.1%
Sound Community Bank $330,000 $355,000 7.6% 0.1%
OAKTREE FUNDING CORP. $345,000 n/a 0.1%
Old National Bank $345,000 n/a 0.1%
NATIONS DIRECT MORTGAGE, LLC $530,000 $335,000 -36.8% 0.1%
NuVision Federal Credit Union $380,000 $335,000 -11.8% 0.1%
AMERICAN FINANCING CORPORATION $1,085,000 $315,000 -71.0% 0.1%
LPMC, LLC $1,085,000 $315,000 -71.0% 0.1%
ALLIANT CREDIT UNION $315,000 $310,000 -1.6% 0.1%
FIRST TECHNOLOGY $1,470,000 $310,000 -78.9% 0.1%
ONY GLO, INC. $305,000 n/a 0.1%
PACIFIC RESIDENTIAL MORTGAGE, LLC $395,000 $305,000 -22.8% 0.1%
CALCON MUTUAL MORTGAGE LLC $720,000 $295,000 -59.0% 0.1%
VERITY $395,000 $290,000 -26.6% 0.1%
Northwest Farm Credit Services, FLCA $1,175,000 $275,000 -76.6% 0.1%
THRIVE MORTGAGE, LLC $275,000 n/a 0.1%
CANOPY MORTGAGE, LLC $305,000 $265,000 -13.1% 0.1%
HomeTrust Bank $75,000 $255,000 240.0% 0.1%
ADVANTIS $600,000 $245,000 -59.2% 0.1%
ADVANCIAL $225,000 n/a 0.0%
CONTOUR MORTGAGE CORPORATION $215,000 n/a 0.0%
HAPO COMMUNITY CREDIT UNION $215,000 n/a 0.0%
NBKC BANK $900,000 $215,000 -76.1% 0.0%
NETWORK CAPITAL FUNDING CORPORATION $410,000 $215,000 -47.6% 0.0%
Third Federal Savings and Loan Association of Cleveland $205,000 n/a 0.0%
Unitus Community Credit Union $205,000 n/a 0.0%
LADERA LENDING, INC. $195,000 n/a 0.0%
GUARANTY HOME MORTGAGE CORPORATION $415,000 $180,000 -56.6% 0.0%
SALAL $160,000 $170,000 6.3% 0.0%
NEXERA HOLDING LLC $165,000 n/a 0.0%
Peoples Bank $165,000 n/a 0.0%
SPRING EQ, LLC $545,000 $160,000 -70.6% 0.0%
American Mortgage & Equity Consultants, Inc. $155,000 n/a 0.0%
BMO Harris Bank $155,000 n/a 0.0%
AMWEST FUNDING CORP. $595,000 $145,000 -75.6% 0.0%
PENRITH HOME LOANS LLC $275,000 $145,000 -47.3% 0.0%
ROYAL UNITED MORTGAGE LLC $585,000 $140,000 -76.1% 0.0%
OPEN MORTGAGE, LLC $385,000 $135,000 -64.9% 0.0%
UNIVERSITY CREDIT UNION $135,000 n/a 0.0%
Ally Bank $600,000 $125,000 -79.2% 0.0%
TOP FLITE FINANCIAL, INC. $375,000 $115,000 -69.3% 0.0%
University Bank $115,000 n/a 0.0%
Citadel Servicing Corporation $105,000 n/a 0.0%
GEORGIA'S OWN $95,000 n/a 0.0%
Nations Lending Corporation $1,395,000 $85,000 -93.9% 0.0%
PHH Mortgage Corporation $865,000 $85,000 -90.2% 0.0%
NorthWest Plus Credit Union $75,000 n/a 0.0%
NUMERICA CREDIT UNION $75,000 n/a 0.0%
Kitsap Bank $635,000 $55,000 -91.3% 0.0%
Qualstar Credit Union $305,000 $55,000 -82.0% 0.0%
Rivermark Community Credit Union $755,000 $55,000 -92.7% 0.0%
OREGONIANS CREDIT UNION $25,000 n/a 0.0%

Centralia's top lender by overall market share is ACADEMY MORTGAGE CORPORATION, with 9.3% market share. In second place, with 6.9%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $32,970,000 in loans. In third place, with 5.0%, is SUMMIT FUNDING, INC., having originated $23,865,000 in loans. In fourth place, with 4.4%, is QUICKEN LOANS, LLC, having originated $21,040,000 in loans. In fifth place, with 3.2%, is FAIRWAY INDEPENDENT MORTGAGE CORPORATION, having originated $15,490,000 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 $250,000 (30.9%) $324,084 (18.0%) 0.00 222
2018-02-01 $250,350 (22.3%) $327,215 (17.3%) 0.00 197
2018-03-01 $265,000 (21.0%) $333,720 (15.8%) 0.00 182
2018-04-01 $287,475 (19.8%) $351,094 (16.0%) 0.00 177
2018-05-01 $292,475 (17.0%) $347,039 (13.8%) 0.00 191
2018-06-01 $289,450 (14.7%) $340,071 (8.2%) 0.00 232
2018-07-01 $299,500 (19.9%) $352,802 (12.8%) 0.00 245
2018-08-01 $297,200 (18.9%) $345,225 (10.3%) 0.00 282
2018-09-01 $299,000 (19.6%) $341,470 (10.2%) 0.00 302
2018-10-01 $299,250 (20.2%) $343,781 (13.1%) 0.00 296
2018-11-01 $299,000 (19.6%) $346,281 (10.0%) 0.00 289
2018-12-01 $314,900 (26.0%) $368,393 (17.0%) 0.00 245
2019-01-01 $321,250 (28.5%) $379,863 (17.2%) 0.00 200
2019-02-01 $315,000 (25.8%) $371,656 (13.6%) 0.00 200
2019-03-01 $314,171 (18.6%) $359,424 (7.7%) 0.00 203
2019-04-01 $308,584 (7.3%) $353,951 (0.8%) 0.00 186
2019-05-01 $308,675 (5.5%) $354,552 (2.2%) 0.00 194
2019-06-01 $312,472 (8.0%) $354,493 (4.2%) 0.00 216
2019-07-01 $319,000 (6.5%) $364,756 (3.4%) 0.00 234
2019-08-01 $316,273 (6.4%) $367,084 (6.3%) 0.00 255
2019-09-01 $312,182 (4.4%) $363,601 (6.5%) 0.00 269
2019-10-01 $309,455 (3.4%) $361,279 (5.1%) 0.00 279
2019-11-01 $309,000 (3.3%) $358,218 (3.5%) 0.00 271
2019-12-01 $299,950 (-4.8%) $363,234 (-1.4%) 0.00 231
2020-01-01 $312,400 (-2.8%) $386,583 (1.8%) 0.00 224
2020-02-01 $317,900 (0.9%) $378,725 (1.9%) 0.00 223
2020-03-01 $313,225 (-0.3%) $378,952 (5.4%) 0.00 232
2020-04-01 $326,125 (5.7%) $384,492 (8.6%) 0.00 235
2020-05-01 $329,900 (6.9%) $396,930 (12.0%) 0.00 232
2020-06-01 $334,500 (7.1%) $401,604 (13.3%) 0.00 221
2020-07-01 $337,000 (5.6%) $399,479 (9.5%) 0.00 230
2020-08-01 $349,800 (10.6%) $415,097 (13.1%) 0.00 222
2020-09-01 $330,000 (5.7%) $410,932 (13.0%) 0.00 233
2020-10-01 $339,900 (9.8%) $422,429 (16.9%) 0.00 222
2020-11-01 $342,225 (10.8%) $436,652 (21.9%) 0.00 136
2020-12-01 $332,000 (10.7%) $430,070 (18.4%) 0.00 111
2021-01-01 $342,500 (9.6%) $436,670 (13.0%) 0.00 96
2021-02-01 $349,750 (10.0%) $457,206 (20.7%) 0.00 86
2021-03-01 $361,250 (15.3%) $458,335 (21.0%) 0.00 79
2021-04-01 $386,500 (18.5%) $467,885 (21.7%) 0.00 72
2021-05-01 $399,000 (21.0%) $478,292 (20.5%) 0.00 91
2021-06-01 $398,225 (19.1%) $512,574 (27.6%) 0.00 107
2021-07-01 $425,000 (26.1%) $525,499 (31.6%) 0.00 119
2021-08-01 $436,750 (24.9%) $521,995 (25.8%) 0.00 140
2021-09-01 $449,450 (36.2%) $510,244 (24.2%) 0.00 152
2021-10-01 $430,000 (26.5%) $509,445 (20.6%) 0.00 148
2021-11-01 $449,600 (31.4%) $515,520 (18.1%) 0.00 117
2021-12-01 $429,500 (29.4%) $494,326 (14.9%) 0.00 92
2022-01-01 $420,000 (22.6%) $502,297 (15.0%) 0.00 65
2022-02-01 $429,700 (22.9%) $527,532 (15.4%) 0.00 70
2022-03-01 $452,000 (25.1%) $571,897 (24.8%) 0.00 74
2022-04-01 $487,450 (26.1%) $648,477 (38.6%) 0.00 88
2022-05-01 $539,225 (35.1%) $653,420 (36.6%) 0.00 125
2022-06-01 $498,700 (25.2%) $618,109 (20.6%) 0.00 194
2022-07-01 $525,000 (23.5%) $583,845 (11.1%) 0.00 245
2022-08-01 $499,925 (14.5%) $563,131 (7.9%) 0.00 285
2022-09-01 $487,250 (8.4%) $550,365 (7.9%) 0.00 289
2022-10-01 $489,000 (13.7%) $545,424 (7.1%) 0.00 271
2022-11-01 $487,475 (8.4%) $550,486 (6.8%) 0.00 252
2022-12-01 $497,500 (15.8%) $556,719 (12.6%) 0.00 194
2023-01-01 $449,500 (7.0%) $559,476 (11.4%) 0.00 173
2023-02-01 $485,000 (12.9%) $577,568 (9.5%) 0.00 156
2023-03-01 $499,000 (10.4%) $584,444 (2.2%) 0.00 145
2023-04-01 $499,000 (2.4%) $591,389 (-8.8%) 0.00 145
2023-05-01 $565,750 (4.9%) $612,692 (-6.2%) 0.00 142
2023-06-01 $550,000 (10.3%) $602,754 (-2.5%) 0.00 162
2023-07-01 $565,000 (7.6%) $614,020 (5.2%) 0.00 175
2023-08-01 $545,000 (9.0%) $625,426 (11.1%) 0.00 195
2023-09-01 $532,500 (9.3%) $618,830 (12.4%) 0.00 203
2023-10-01 $512,475 (4.8%) $601,639 (10.3%) 0.00 226
2023-11-01 $506,223 (3.9%) $586,621 (6.6%) 0.00 242
2023-12-01 $512,450 (3.0%) $592,268 (6.4%) 0.00 224
2024-01-01 $546,000 (21.5%) $615,292 (10.0%) 0.00 203
2024-02-01 $545,950 (12.6%) $611,532 (5.9%) 0.00 187
2024-03-01 $529,900 (6.2%) $589,277 (0.8%) 0.00 201
2024-04-01 $499,962 (0.2%) $578,194 (-2.2%) 0.00 200
2024-05-01 $524,950 (-7.2%) $594,238 (-3.0%) 0.00 234
2024-06-01 $525,000 (-4.6%) $594,357 (-1.4%) 0.00 267
2024-07-01 $525,000 (-7.1%) $599,873 (-2.3%) 0.00 285
2024-08-01 $524,725 (-3.7%) $593,992 (-5.0%) 0.00 315
2024-09-01 $524,750 (-1.5%) $598,785 (-3.2%) 0.00 303
Centralia's median listing price for 2024-09-01 was $524,750, a difference of $-7,750 (-1.5%) versus the prior year and $25 versus the prior month.

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

Centralia's average listing price for 2024-09-01 was $598,785, a difference of $-20,045 (-3.2%) versus the prior year and $4,793 versus the prior month.

For the 2024-09-01 period, Centralia had 303 MLS listings, a difference of -12 listings (-4%) versus the prior month and 100 listings (49%) 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 1,775 sqft
2018-03-01 0 days 1,875 sqft
2018-04-01 0 days 1,932 sqft
2018-05-01 0 days 1,918 sqft
2018-06-01 0 days 1,908 sqft
2018-07-01 0 days 1,945 sqft
2018-08-01 0 days 1,865 sqft
2018-09-01 0 days 1,864 sqft
2018-10-01 0 days 1,843 sqft
2018-11-01 0 days 1,834 sqft
2018-12-01 0 days 1,878 sqft
2019-01-01 0 days 1,886 sqft
2019-02-01 0 days 1,880 sqft
2019-03-01 0 days 1,851 sqft
2019-04-01 0 days 1,833 sqft
2019-05-01 0 days 1,847 sqft
2019-06-01 0 days 1,782 sqft
2019-07-01 0 days 1,782 sqft
2019-08-01 0 days 1,777 sqft
2019-09-01 0 days 1,770 sqft
2019-10-01 0 days 1,765 sqft
2019-11-01 0 days 1,782 sqft
2019-12-01 0 days 1,782 sqft
2020-01-01 0 days 1,793 sqft
2020-02-01 0 days 1,782 sqft
2020-03-01 0 days 1,757 sqft
2020-04-01 0 days 1,747 sqft
2020-05-01 0 days 1,781 sqft
2020-06-01 0 days 1,801 sqft
2020-07-01 0 days 1,813 sqft
2020-08-01 0 days 1,792 sqft
2020-09-01 0 days 1,716 sqft
2020-10-01 0 days 1,702 sqft
2020-11-01 0 days 1,711 sqft
2020-12-01 0 days 1,761 sqft
2021-01-01 0 days 1,705 sqft
2021-02-01 0 days 1,682 sqft
2021-03-01 0 days 1,577 sqft
2021-04-01 0 days 1,616 sqft
2021-05-01 0 days 1,592 sqft
2021-06-01 0 days 1,644 sqft
2021-07-01 0 days 1,760 sqft
2021-08-01 0 days 1,821 sqft
2021-09-01 0 days 1,839 sqft
2021-10-01 0 days 1,958 sqft
2021-11-01 0 days 1,899 sqft
2021-12-01 0 days 1,800 sqft
2022-01-01 0 days 1,722 sqft
2022-02-01 0 days 1,705 sqft
2022-03-01 0 days 1,786 sqft
2022-04-01 0 days 1,876 sqft
2022-05-01 0 days 1,789 sqft
2022-06-01 0 days 1,762 sqft
2022-07-01 0 days 1,850 sqft
2022-08-01 0 days 1,863 sqft
2022-09-01 0 days 1,810 sqft
2022-10-01 0 days 1,810 sqft
2022-11-01 0 days 1,794 sqft
2022-12-01 0 days 1,792 sqft
2023-01-01 0 days 1,759 sqft
2023-02-01 0 days 1,831 sqft
2023-03-01 0 days 1,864 sqft
2023-04-01 0 days 1,941 sqft
2023-05-01 0 days 1,929 sqft
2023-06-01 0 days 1,873 sqft
2023-07-01 0 days 1,928 sqft
2023-08-01 0 days 1,883 sqft
2023-09-01 0 days 1,888 sqft
2023-10-01 0 days 1,917 sqft
2023-11-01 0 days 1,927 sqft
2023-12-01 0 days 1,898 sqft
2024-01-01 0 days 1,975 sqft
2024-02-01 0 days 1,981 sqft
2024-03-01 0 days 1,958 sqft
2024-04-01 0 days 1,868 sqft
2024-05-01 0 days 1,946 sqft
2024-06-01 0 days 1,920 sqft
2024-07-01 0 days 1,884 sqft
2024-08-01 0 days 1,867 sqft
2024-09-01 0 days 1,800 sqft
Centralia's median listing age (time on market) for 2024-09-01 was 0 days.

Centralia's median square footage for active listings during the 2024-09-01 period was 1,800 sqft. One year prior, the average listing was 1,888 sqft.

Centralia, WA Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 956 $332,900,000 $348,222
Cash Out Refi 261 $65,945,000 $252,663
Other 231 $20,645,000 $89,372
Home Improvement 196 $18,580,000 $94,796
Refi 134 $40,680,000 $303,582

Centralia's most frequently cited loan purpose was Home Purchase, with 956 originations. The 2nd most popular reason was Cash Out Refi, with 261 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
6-7% 583 $193,205,000 $331,398
7-8% 530 $149,400,000 $281,887
Over 8% 346 $40,790,000 $117,890
5-6% 230 $82,870,000 $360,304
<2.5% 32 $1,460,000 $45,625
4-5% 30 $6,450,000 $215,000
3-4% 3 $695,000 $231,667

During 2023, Centralia's most frequently originated rate bucket was 6-7%, with 583 originations.

Loan Sizing (Centralia, WA MSA)

Loan Size Originations Total Value Average Loan
$200k-400k 757 $230,255,000 $304,168
$100,000 or less 406 $20,650,000 $50,862
$400k-600k 296 $140,170,000 $473,547
$100k-200k 257 $36,175,000 $140,759
$600k-1000k 57 $40,545,000 $711,316
$Over $1MM 5 $10,955,000 $2,191,000

Centralia's loan sizing saw the bucket of loans from $200k-400k with 757 originations, totaling $230,255,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 618 $231,170,000 $374,061
Under 20% 393 $21,845,000 $55,585
60-80% 344 $128,260,000 $372,849
20-40% 183 $26,885,000 $146,913
40-60% 181 $49,105,000 $271,298
Over 100% 40 $17,270,000 $431,750

Centralia's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 618 originations, totaling $231,170,000 in origination value.