Real estate · Small-town market · Washington
Mortgage brokers and lenders in the Centralia, WA area
How the Centralia, WA area compares with other small-town markets and the U.S. for mortgage brokers and lenders: competitors, household spending, official counts and growth.
Groundwork market score · out of 100
Score 88 out of 100: High
Ranked #4 of 177 scored small-town markets
#1 of 7 scored small-town markets based in Washington
- Listings
- 7
- 2 chain locations (29%)
- Official establishments
- 3
- Businesses with payroll, 2023
- Household spending a year
- $565.4M
- On rent and homeowner costs · $17,178 a household
- Housing spending per listing (U.S. = 100)
- 207
- 2.1 times the U.S.
- Listings per 10k households
- 2.1
- 51% below the U.S.
- Population, 2025
- 88,062
- +6.7% since 2020
See the mortgage brokers and lenders around any address in the Centralia area
The site report maps the mortgage brokers and lenders on map listings near the address, by name and distance, and sizes the households and spending around it. Or open the report at the center of the Centralia area. Signed out, you see a blurred preview; on an account, each report is one action.
Free10 actions over 3 days, no cardSurvey estimates 2020–2024 · population estimates 2025 · official business counts 2023 · map listings September 2026 · Data credits · How we measure
What this means
The Groundwork market score for mortgage brokers and lenders in the Centralia area is 88 (high), #4 of 177 scored small-town markets and #1 of 7 scored small-town markets based in Washington. That puts it in the top 10% of small-town markets for mortgage brokers and lenders.
Map listings as of September 2026 show 7 mortgage brokers and lenders in the Centralia area. Of those, 2 are chain locations, or 29%, against 21% across the U.S. That comes to 2.1 for every 10,000 households, 51% below the U.S. rate of 4.3.
Households in the Centralia area spend about $565.4M a year on rent and homeowner costs, or $17,178 per household, 3% above the U.S. average. Housing spending per office is 2.1 times the U.S. figure. That figure is all rent and homeowner costs, used as a measure of housing demand; it is not money mortgage brokers and lenders take in.
The official count of businesses with payroll classed as mortgage brokers and real estate lenders in the Centralia area was 3 in 2023. That is one for every 10,972 households, against one for every 4,897 across the U.S. Population estimates show the Centralia area grew 6.7% from 2020 to 2025, faster than the U.S. (+3.1%).
How the Centralia area compares
The same measures for Washington and the whole U.S. Housing spending per listing divides all rent and homeowner costs by the listings counted: a measure of housing demand for each business, not money any of them take in, so it is shown against the U.S. (100) only. Households per establishment divides households by the official count.
| Measure | Centralia area | Washington | U.S. |
|---|---|---|---|
| Listings per 10k households | 2.1 | 6.1 | 4.3 |
| Housing spending per listing (U.S. = 100) | 207 | 83 | 100 |
| Households per official establishment | 10,972 | 3,841 | 4,897 |
| Official establishment growth, 2019–2023 | n/a | +2.3% | +9.5% |
| Population growth, 2020–2025 | +6.7% | +3.6% | +3.1% |
| Spending per household on rent and homeowner costs | $17,178 | $19,779 | $16,661 |
| Median household income | $74,796 | $98,141 | $80,734 |
| Groundwork market score | 88 | 43 |
Official counts and lending
Businesses
- Official establishments, 2019 to 2023
- 3
- Employees, 2023
- 6
- Annual payroll, 2023
- $919K
- One-person businesses, 2023
- Not publishedNot published for this business type
- Map listings, September 2026
- 72 chain locations
- Listings at the U.S. rate for this spending
- 15The U.S. ratio of listings to household spending, applied here
SBA-backed loans since fiscal 2022
- Loans
- 0
- Amount
- $0
SBA-backed loans to businesses classed as mortgage brokers and real estate lenders in the Centralia area, through June 2026, placed by the borrower’s ZIP code. Official establishments are businesses with payroll; the official counts leave out places with fewer than 3.
Population and households in the Centralia area
- Population, 2025 estimate
- 88,062+6.7% since 2020
- Households
- 32,916
- Median age
- 42.8
- Homes lived in by their owners
- 76%
- Vehicles per household
- 2.2
- Land area
- 2,403 sq. mi.
- People per square mile
- 35
- Median household income
- $74,796+39.9% vs. 2015–2019, before inflation
- Average household income
- $92,194
- Median home value
- $385,800
- Jobs located here
- 25,436
- Daytime population
- 72,396Residents who don’t work, plus everyone whose job is here
Looking at a specific site in the Centralia area?
These figures cover the whole small-town market. A site report draws rings around one address and counts what’s inside them: households, spending, jobs, and the mortgage brokers and lenders on map listings by name and distance.
Or open the report at the center of the Centralia area. Signed out, you see a blurred preview; on an account, each report is one action.
Free10 actions over 3 days, no cardMortgage brokers and lenders across Washington
Every Washington market ranked →The highest-scoring small-town markets in Washington for mortgage brokers and lenders, numbered among those based in Washington, with the Centralia area marked.
Top small-town markets in Washington
| Market | Score | Listings | Per 10k households | Housing spending per listing (U.S. = 100) | Population growth | U.S. rank |
|---|---|---|---|---|---|---|
| 1Centralia, WA | 88 | 7 | 2.1 | 207 | +6.7% | #4 of 177 |
| 2Shelton, WA | 81 | 8 | 3.1 | 150 | +7.8% | #7 of 177 |
| 3Moses Lake, WA | 78 | 9 | 2.5 | 172 | +6.3% | #9 of 177 |
| 4Oak Harbor, WA | 60 | 13 | 3.6 | 132 | −1.5% | #47 of 177 |
| 5Pullman, WA | 59 | 6 | 3.2 | 129 | +1.5% | #54 of 177 |
| 6Port Angeles, WA | 59 | 12 | 3.4 | 128 | +1.1% | #55 of 177 |
| 7Ellensburg, WA | 44 | 11 | 5.5 | 83 | +4.2% | #115 of 177 |
Other business types in the Centralia area
Each with its Groundwork market score here, out of 100, where it has one.
Food and drink
Groceries and convenience
Auto
Beauty and personal care
Fitness and classes
Health care
Child care
Clothing and laundry
Home services
Real estate
- Real estate62
- Real estate agents and brokers60
- Property management78
- Mortgage brokers and lenders88
- Home inspectors
Funeral services
Questions
How many mortgage brokers and lenders are in the Centralia, WA area?
There are 7 mortgage brokers and lenders on map listings in the Centralia area as of September 2026. 2 of them (29%) are chain locations. The listings count mortgage brokers and mortgage lenders. Official counts show 3 businesses with payroll classed as mortgage brokers and real estate lenders in 2023.
How much do households in the Centralia, WA area spend on rent and homeowner costs?
About $565.4M a year, or $17,178 per household. That is 3% above the U.S. average (an index of 103, where 100 is the U.S. average). For the 7 mortgage brokers and lenders on map listings, housing spending per office is 2.1 times the U.S. figure. The spending figure is all rent and homeowner costs, a measure of housing demand, not money mortgage brokers and lenders take in. It is estimated from the incomes of the 32,916 households in the Centralia area and national spending patterns by income.
How does the Centralia, WA area compare with the U.S. for mortgage brokers and lenders?
The Centralia area has 2.1 mortgage brokers and lenders per 10,000 households, 51% below the U.S. rate of 4.3. The index of housing spending per office is 207, where 100 is the U.S. At the national ratio of mortgage brokers and lenders to household spending, the Centralia area would have about 15, against 7 on map listings. There is one business with payroll in the industry for every 10,972 households, against one for every 4,897 across the U.S.
How fast is the Centralia, WA area growing?
Population estimates put the Centralia area at 88,062 people in 2025, up 6.7% since 2020, faster than the U.S. (+3.1%). It has 32,916 households. The median household income in the Centralia area is $74,796 a year, 7% below the U.S. median of $80,734. That rose 39.9% from the 2015–2019 survey, before inflation.
What is the Groundwork market score?
The Groundwork market score runs from 0 to 100 and compares a market with others of its kind for one business type: states with states, metro areas with metro areas, small-town markets and counties with their own. A small-town market is a town of 10,000 to 50,000 people and the county or counties tied to it by commuting. It weighs household spending per competitor (35%), households per business with payroll (25%), population growth (20%) and spending power (20%), each ranked against those peers. A higher score means that, taken together, the market has more household spending and more households for each business already there, faster population growth and more spending per household than similar markets. It describes a market, not any one site or deal. The Centralia area scores 88 for mortgage brokers and lenders (high), #4 of 177 scored small-town markets.
How can I see the market around a specific site?
Run a Groundwork site report on an address in the Centralia area. It maps the mortgage brokers and lenders on map listings near the site and sizes the households and spending within the distance you choose. New accounts get 10 actions over 3 days, no card.
How the score works · Top markets for mortgage brokers and lenders · All 56 business types in the Centralia area
Screening a site or an acquisition in the Centralia area?
A site report maps the competitors on map listings near an address and sizes the households and spending around it.
The button opens the report at the center of the Centralia area. Signed out, you see a blurred preview; on an account, each report is one action.
This product uses the Census Bureau Data API but is not endorsed or certified by the Census Bureau.
Figures are estimates for research only. Not investment or real estate advice.