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
6.65%
for the week of 2024-11-14, compared to the national average of
6.78% for the same period.
The average rate for the prior week (2024-11-07) was
6.96% and
one month ago for the week of 2024-10-10, the
average rate was 6.19%.
Centralia's average rate one year ago was 7.37%.
For refis of the same type during the week of 2024-11-14, the average rate
was 7.08%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2024-11-14 | 6.78% |
| Centralia 30 Year Fixed Rate | 2024-11-14 | 6.65% |
| Centralia 30 Year Fixed Rate Refi | 2024-11-14 | 7.08% |
| Centralia 15 Year Fixed Rate | 2024-11-14 | 6.09% |
| Centralia 15 Year Fixed Rate Refi | 2024-11-14 | 6.39% |
| Centralia 30 Year FHA | 2024-11-14 | 0.19% |
| Centralia 30 Year FHA Refi | 2024-11-14 | 0.2% |
| Centralia 30 Year USDA | 2024-11-14 | -0.1% |
| Centralia 30 Year USDA Refi | 2024-11-14 | -0.2% |
| Centralia 30 Year VA | 2024-11-14 | 0.01% |
| Centralia 30 Year VA Refi | 2024-11-14 | 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.).
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 |
| 2024-10-01 | $506,800 (-1.1%) | $595,746 (-1.0%) | 0.00 | 302 |
Centralia's median listing price for 2024-10-01 was $506,800, a difference of
$-5,675
(-1.1%) versus the prior year and
$-17,950 versus the prior month.
Centralia's median listing price comes in at 0% of the national average.
Centralia's average listing price for 2024-10-01 was $595,746, a difference of $-5,893 (-1.0%) versus the prior year and $-3,039 versus the prior month.
For the 2024-10-01 period, Centralia had 302 MLS listings, a difference of -1 listings (0%) versus the prior month and 76 listings (34%) versus the prior year.
Centralia's median listing price comes in at 0% of the national average.
Centralia's average listing price for 2024-10-01 was $595,746, a difference of $-5,893 (-1.0%) versus the prior year and $-3,039 versus the prior month.
For the 2024-10-01 period, Centralia had 302 MLS listings, a difference of -1 listings (0%) versus the prior month and 76 listings (34%) 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 |
| 2024-10-01 | 0 days | 1,842 sqft |
Centralia's median listing age (time on market) for 2024-10-01 was 0 days.
Centralia's median square footage for active listings during the 2024-10-01 period was 1,842 sqft. One year prior, the average listing was 1,917 sqft.
Centralia's median square footage for active listings during the 2024-10-01 period was 1,842 sqft. One year prior, the average listing was 1,917 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.