Arkadelphia Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Arkadelphia averaged
6.99%
for the week of 2023-06-01, compared to the national average of
6.79% for the same period.
The average rate for the prior week (2023-05-25) was
6.77% and
one month ago for the week of 2023-04-27, the
average rate was 6.23%.
Arkadelphia's average rate one year ago was 5%.
For refis of the same type during the week of 2023-06-01, the average rate
was 6.89%.
Loan Type | Date | Rate |
---|---|---|
US 30 Year Fixed Rate | 2023-06-01 | 6.79% |
Arkadelphia 30 Year Fixed Rate | 2023-06-01 | 6.99% |
Arkadelphia 30 Year Fixed Rate Refi | 2023-06-01 | 6.89% |
Arkadelphia 15 Year Fixed Rate | 2023-06-01 | 6.18% |
Arkadelphia 15 Year Fixed Rate Refi | 2023-06-01 | 6.78% |
Arkadelphia 30 Year FHA | 2023-06-01 | -0.1% |
Arkadelphia 30 Year FHA Refi | 2023-06-01 | 0.1% |
Arkadelphia 30 Year USDA | 2023-06-01 | -0.1% |
Arkadelphia 30 Year USDA Refi | 2023-06-01 | -0.1% |
Arkadelphia 30 Year VA | 2023-06-01 | 0% |
Arkadelphia 30 Year VA Refi | 2023-06-01 | 0.2% |
Arkadelphia 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 Arkadelphia, AR 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.).
Arkadelphia Average Closing Costs & Other Stats
Arkadelphia, AR's 36 lenders originated 351
loans during 2022. The total origination value was $58,955,000, with an average loan value of
$167,963.
Arkadelphia's average closing costs are $4,102.
The top Arkadelphia lender as defined by loan originations is QUICKEN LOANS, LLC, with
8 loans originated. Their average total fees are
$5,080, which is $3,504
higher than the next largest lender,
EVERETT FINANCIAL, INC..
The lowest fee Arkadelphia lenders (with over 10 loans originated) are
.
The lowest rate Arkadelphia lenders (with over 10 loans originated) are
.
Arkadelphia, AR Mortgage Market Share & Volume
Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.
Name | 2021 Loan Value | 2022 Loan Value | % Change | 2022 Market Share |
---|---|---|---|---|
ARKANSAS Federal Credit Union | $330,000 | $11,220,000 | 3,300.0% | 19.0% |
EVERETT FINANCIAL, INC. | $1,150,000 | $6,030,000 | 424.3% | 10.2% |
Southern Bancorp Bank | $7,290,000 | $5,900,000 | -19.1% | 10.0% |
QUICKEN LOANS, LLC | $6,550,000 | $2,900,000 | -55.7% | 4.9% |
The Citizens Bank | $7,255,000 | $1,750,000 | -75.9% | 3.0% |
Regions Bank | $870,000 | $1,540,000 | 77.0% | 2.6% |
Mortgage Research Center, LLC | $930,000 | $1,330,000 | 43.0% | 2.3% |
LOANDEPOT.COM, LLC | $1,070,000 | $1,250,000 | 16.8% | 2.1% |
Wells Fargo Bank | $1,390,000 | $1,250,000 | -10.1% | 2.1% |
FirstTrust Home Loans, Inc. | $600,000 | $1,240,000 | 106.7% | 2.1% |
PRIMARY RESIDENTIAL MORTGAGE, INC. | $920,000 | $1,165,000 | 26.6% | 2.0% |
BANK OF LITTLE ROCK MORTGAGE CORPORATION | $1,075,000 | n/a | 1.8% | |
FIRST COMMUNITY MORTGAGE, INC. | $3,765,000 | $1,070,000 | -71.6% | 1.8% |
TRIAD FINANCIAL SERVICES, INC. | $645,000 | $1,015,000 | 57.4% | 1.7% |
U.S. Bank | $3,190,000 | $1,015,000 | -68.2% | 1.7% |
Mr. Cooper ( Nationstar Mortgage ) | $295,000 | $960,000 | 225.4% | 1.6% |
Arvest Bank | $1,440,000 | $860,000 | -40.3% | 1.5% |
USAA Federal Savings Bank | $865,000 | $855,000 | -1.2% | 1.5% |
Farmers Bank & Trust Company | $285,000 | $755,000 | 164.9% | 1.3% |
SWBC MORTGAGE CORPORATION | $435,000 | $745,000 | 71.3% | 1.3% |
UNITED WHOLESALE MORTGAGE, LLC | $420,000 | $735,000 | 75.0% | 1.2% |
AMERISAVE MORTGAGE CORPORATION | $535,000 | $635,000 | 18.7% | 1.1% |
Citizens Bank | $195,000 | $630,000 | 223.1% | 1.1% |
Farm Credit Services of Western Arkansas, ACA | $820,000 | $615,000 | -25.0% | 1.0% |
Simmons Bank | $815,000 | $610,000 | -25.2% | 1.0% |
Diamond Bank | $370,000 | $595,000 | 60.8% | 1.0% |
CORNERSTONE HOME LENDING, INC. | $815,000 | $570,000 | -30.1% | 1.0% |
JPMorgan Chase Bank | $345,000 | $510,000 | 47.8% | 0.9% |
VANDERBILT MORTGAGE AND FINANCE, INC. | $805,000 | $495,000 | -38.5% | 0.8% |
Chambers Bank | $470,000 | $490,000 | 4.3% | 0.8% |
Gateway First Bank | $480,000 | n/a | 0.8% | |
First Community Bank | $320,000 | $465,000 | 45.3% | 0.8% |
21ST MORTGAGE CORPORATION | $235,000 | $455,000 | 93.6% | 0.8% |
SOFI LENDING CORP. | $185,000 | $450,000 | 143.2% | 0.8% |
Servion, Inc. | $620,000 | $400,000 | -35.5% | 0.7% |
MORTGAGE ACCESS CORP. | $145,000 | $335,000 | 131.0% | 0.6% |
SOVEREIGN LENDING GROUP INCORPORATED | $265,000 | $325,000 | 22.6% | 0.6% |
UNITED BUILT HOMES, L.L.C. | $345,000 | $315,000 | -8.7% | 0.5% |
Bank of England | $450,000 | $305,000 | -32.2% | 0.5% |
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | $420,000 | $280,000 | -33.3% | 0.5% |
GMFS LLC | $200,000 | $270,000 | 35.0% | 0.5% |
BancorpSouth Bank | $55,000 | $230,000 | 318.2% | 0.4% |
PENNYMAC LOAN SERVICES, LLC | $1,040,000 | $230,000 | -77.9% | 0.4% |
Prosperity Home Mortgage, LLC | $225,000 | n/a | 0.4% | |
First Guaranty Mortgage Corporation | $215,000 | n/a | 0.4% | |
SOUTHWEST STAGE FUNDING, LLC | $315,000 | $215,000 | -31.7% | 0.4% |
The Federal Savings Bank | $215,000 | n/a | 0.4% | |
First United Bank and Trust Company | $205,000 | n/a | 0.3% | |
FREEDOM MORTGAGE CORPORATION | $1,360,000 | $195,000 | -85.7% | 0.3% |
TEXAR | $195,000 | n/a | 0.3% | |
BROKER SOLUTIONS, INC. | $230,000 | $180,000 | -21.7% | 0.3% |
Community Bank of Louisiana | $175,000 | n/a | 0.3% | |
AMERICAN FINANCING CORPORATION | $165,000 | n/a | 0.3% | |
PILGRIM MORTGAGE LLC | $115,000 | $165,000 | 43.5% | 0.3% |
Carrington Mortgage Services, LLC | $155,000 | $155,000 | 0.0% | 0.3% |
Centennial Bank | $165,000 | $155,000 | -6.1% | 0.3% |
Eagle Bank and Trust Company | $365,000 | $145,000 | -60.3% | 0.2% |
Midwest Mortgage Associates Corporation | $145,000 | n/a | 0.2% | |
Bethpage Federal Credit Union | $135,000 | n/a | 0.2% | |
CROSSCOUNTRY MORTGAGE, LLC | $135,000 | n/a | 0.2% | |
RELIANCE FIRST CAPITAL, LLC | $135,000 | n/a | 0.2% | |
Flagstar Bank, FSB | $125,000 | n/a | 0.2% | |
GUARANTEED RATE AFFINITY, LLC | $115,000 | n/a | 0.2% | |
CHURCHILL MORTGAGE CORPORATION | $175,000 | $105,000 | -40.0% | 0.2% |
STOCKTON MORTGAGE CORPORATION | $105,000 | n/a | 0.2% | |
MORTGAGE SOLUTIONS OF COLORADO, LLC | $95,000 | n/a | 0.2% | |
Stone Bank | $95,000 | n/a | 0.2% | |
BETTER MORTGAGE CORPORATION | $595,000 | $85,000 | -85.7% | 0.1% |
First Security Bank | $165,000 | $85,000 | -48.5% | 0.1% |
GERSHMAN INVESTMENT CORP. | $85,000 | n/a | 0.1% | |
The First National Bank of Tom Bean | $165,000 | $65,000 | -60.6% | 0.1% |
AMERICAN ADVISORS GROUP | $55,000 | n/a | 0.1% | |
Evolve Bank & Trust | $55,000 | n/a | 0.1% | |
ROYAL UNITED MORTGAGE LLC | $55,000 | n/a | 0.1% | |
United Community Bank | $55,000 | n/a | 0.1% | |
Bank OZK | $165,000 | $45,000 | -72.7% | 0.1% |
CALIBER HOME LOANS, INC. | $210,000 | $45,000 | -78.6% | 0.1% |
Intrust Bank | $45,000 | n/a | 0.1% | |
NEWREZ LLC | $180,000 | $45,000 | -75.0% | 0.1% |
Relyance Bank | $575,000 | $45,000 | -92.2% | 0.1% |
TOP FLITE FINANCIAL, INC. | $445,000 | $45,000 | -89.9% | 0.1% |
Arkadelphia's top lender by overall market share is ARKANSAS Federal Credit Union, with 19.0% market share. In second place, with 10.2%, is EVERETT FINANCIAL, INC., having originated $6,030,000 in loans. In third place, with 10.0%, is Southern Bancorp Bank, having originated $5,900,000 in loans. In fourth place, with 4.9%, is QUICKEN LOANS, LLC, having originated $2,900,000 in loans. In fifth place, with 3.0%, is The Citizens Bank, having originated $1,750,000 in loans.
Arkadelphia Housing Market Trends (Median, Average Prices & Listing Count)
Realtor.com - Arkadelphia (CBSA) retrieved from FRED, Federal Reserve Bank of St. LouisDate | Median Listing Price (YoY Change) | Average Listing Price (YoY) | MSA/US Median Price Ratio | Active Listings |
---|---|---|---|---|
2018-01-01 | $133,375 (8.4%) | $160,787 (13.9%) | 0.00 | 107 |
2018-02-01 | $129,975 (5.7%) | $159,030 (14.4%) | 0.00 | 112 |
2018-03-01 | $129,925 (4.0%) | $158,107 (9.6%) | 0.00 | 116 |
2018-04-01 | $132,500 (6.0%) | $161,684 (14.9%) | 0.00 | 117 |
2018-05-01 | $133,500 (4.0%) | $161,527 (13.1%) | 0.00 | 116 |
2018-06-01 | $131,213 (0.9%) | $155,947 (6.3%) | 0.00 | 114 |
2018-07-01 | $129,569 (-0.3%) | $155,329 (2.2%) | 0.00 | 110 |
2018-08-01 | $124,863 (-3.4%) | $155,803 (2.5%) | 0.00 | 105 |
2018-09-01 | $121,725 (-4.1%) | $151,634 (1.6%) | 0.00 | 103 |
2018-10-01 | $119,938 (-4.0%) | $152,183 (2.9%) | 0.00 | 102 |
2018-11-01 | $129,825 (3.9%) | $163,715 (8.8%) | 0.00 | 100 |
2018-12-01 | $139,725 (7.5%) | $164,966 (7.3%) | 0.00 | 97 |
2019-01-01 | $139,950 (4.9%) | $165,266 (2.8%) | 0.00 | 101 |
2019-02-01 | $136,922 (5.3%) | $159,172 (0.1%) | 0.00 | 100 |
2019-03-01 | $131,400 (1.1%) | $154,370 (-2.4%) | 0.00 | 100 |
2019-04-01 | $129,950 (-1.9%) | $151,030 (-6.6%) | 0.00 | 93 |
2019-05-01 | $124,390 (-6.8%) | $152,136 (-5.8%) | 0.00 | 89 |
2019-06-01 | $134,975 (2.9%) | $152,562 (-2.2%) | 0.00 | 82 |
2019-07-01 | $120,550 (-7.0%) | $150,209 (-3.3%) | 0.00 | 83 |
2019-08-01 | $124,305 (-0.5%) | $152,000 (-2.4%) | 0.00 | 78 |
2019-09-01 | $131,586 (8.1%) | $157,732 (4.0%) | 0.00 | 75 |
2019-10-01 | $136,441 (13.8%) | $161,553 (6.2%) | 0.00 | 72 |
2019-11-01 | $122,400 (-5.7%) | $153,714 (-6.1%) | 0.00 | 77 |
2019-12-01 | $119,225 (-14.7%) | $152,251 (-7.7%) | 0.00 | 75 |
2020-01-01 | $125,700 (-10.2%) | $151,394 (-8.4%) | 0.00 | 74 |
2020-02-01 | $129,500 (-5.4%) | $148,386 (-6.8%) | 0.00 | 79 |
2020-03-01 | $130,943 (-0.4%) | $149,556 (-3.1%) | 0.00 | 85 |
2020-04-01 | $138,475 (6.6%) | $154,001 (2.0%) | 0.00 | 79 |
2020-05-01 | $139,500 (12.2%) | $155,556 (2.3%) | 0.00 | 72 |
2020-06-01 | $144,871 (7.3%) | $157,443 (3.2%) | 0.00 | 61 |
2020-07-01 | $149,900 (24.4%) | $158,749 (5.7%) | 0.00 | 64 |
2020-08-01 | $149,943 (20.6%) | $164,310 (8.1%) | 0.00 | 57 |
2020-09-01 | $149,985 (14.0%) | $162,561 (3.1%) | 0.00 | 61 |
2020-10-01 | $149,943 (9.9%) | $157,997 (-2.2%) | 0.00 | 66 |
2020-11-01 | $148,971 (21.7%) | $152,694 (-0.7%) | 0.00 | 54 |
2020-12-01 | $144,375 (21.1%) | $151,021 (-0.8%) | 0.00 | 54 |
2021-01-01 | $139,000 (10.6%) | $151,776 (0.3%) | 0.00 | 47 |
2021-02-01 | $144,488 (11.6%) | $165,039 (11.2%) | 0.00 | 44 |
2021-03-01 | $154,788 (18.2%) | $170,043 (13.7%) | 0.00 | 29 |
2021-04-01 | $171,875 (24.1%) | $200,183 (30.0%) | 0.00 | 32 |
2021-05-01 | $147,500 (5.7%) | $202,446 (30.1%) | 0.00 | 35 |
2021-06-01 | $147,375 (1.7%) | $197,378 (25.4%) | 0.00 | 32 |
2021-07-01 | $147,500 (-1.6%) | $188,788 (18.9%) | 0.00 | 30 |
2021-08-01 | $127,223 (-15.2%) | $177,735 (8.2%) | 0.00 | 21 |
2021-09-01 | $147,500 (-1.7%) | $167,991 (3.3%) | 0.00 | 27 |
2021-10-01 | $147,500 (-1.6%) | $157,269 (-0.5%) | 0.00 | 33 |
2021-11-01 | $158,530 (6.4%) | $210,227 (37.7%) | 0.00 | 31 |
2021-12-01 | $157,500 (9.1%) | $202,932 (34.4%) | 0.00 | 27 |
2022-01-01 | $169,900 (22.2%) | $189,573 (24.9%) | 0.00 | 30 |
2022-02-01 | $151,375 (4.8%) | $167,086 (1.2%) | 0.00 | 39 |
2022-03-01 | $144,063 (-6.9%) | $148,784 (-12.5%) | 0.00 | 32 |
2022-04-01 | $159,000 (-7.5%) | $197,406 (-1.4%) | 0.00 | 33 |
2022-05-01 | $169,900 (15.2%) | $202,869 (0.2%) | 0.00 | 37 |
2022-06-01 | $169,675 (15.1%) | $207,773 (5.3%) | 0.00 | 39 |
2022-07-01 | $137,000 (-7.1%) | $192,025 (1.7%) | 0.00 | 39 |
2022-08-01 | $158,675 (24.7%) | $209,383 (17.8%) | 0.00 | 39 |
2022-09-01 | $159,375 (8.1%) | $207,662 (23.6%) | 0.00 | 52 |
2022-10-01 | $169,873 (15.2%) | $264,260 (68.0%) | 0.00 | 47 |
2022-11-01 | $176,225 (11.2%) | $256,422 (22.0%) | 0.00 | 52 |
2022-12-01 | $169,500 (7.6%) | $209,366 (3.2%) | 0.00 | 54 |
2023-01-01 | $175,000 (3.0%) | $207,509 (9.5%) | 0.00 | 54 |
2023-02-01 | $167,250 (10.5%) | $207,899 (24.4%) | 0.00 | 56 |
2023-03-01 | $154,000 (6.9%) | $204,046 (37.1%) | 0.00 | 53 |
2023-04-01 | $169,875 (6.8%) | $213,748 (8.3%) | 0.00 | 57 |
2023-05-01 | $191,225 (12.6%) | $226,511 (11.7%) | 0.00 | 59 |
Arkadelphia's median listing price comes in at 0% of the national average.
Arkadelphia's average listing price for 2023-05-01 was $226,511, a difference of $23,642 (11.7%) versus the prior year and $12,763 versus the prior month.
For the 2023-05-01 period, Arkadelphia had 59 MLS listings, a difference of 2 listings (4%) versus the prior month and 22 listings (59%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - Arkadelphia (CBSA) retrieved from FRED, Federal Reserve Bank of St. LouisDate | Median Listing Time on Market | Median Square Footage |
---|---|---|
2018-01-01 | 0 days | 1,800 sqft |
2018-02-01 | 0 days | 1,817 sqft |
2018-03-01 | 0 days | 1,811 sqft |
2018-04-01 | 0 days | 1,850 sqft |
2018-05-01 | 0 days | 1,850 sqft |
2018-06-01 | 0 days | 1,800 sqft |
2018-07-01 | 0 days | 1,817 sqft |
2018-08-01 | 0 days | 1,841 sqft |
2018-09-01 | 0 days | 1,760 sqft |
2018-10-01 | 0 days | 1,734 sqft |
2018-11-01 | 0 days | 1,776 sqft |
2018-12-01 | 0 days | 1,774 sqft |
2019-01-01 | 0 days | 1,773 sqft |
2019-02-01 | 0 days | 1,743 sqft |
2019-03-01 | 0 days | 1,700 sqft |
2019-04-01 | 0 days | 1,698 sqft |
2019-05-01 | 0 days | 1,755 sqft |
2019-06-01 | 0 days | 1,812 sqft |
2019-07-01 | 0 days | 1,758 sqft |
2019-08-01 | 0 days | 1,786 sqft |
2019-09-01 | 0 days | 1,825 sqft |
2019-10-01 | 0 days | 1,843 sqft |
2019-11-01 | 0 days | 1,786 sqft |
2019-12-01 | 0 days | 1,813 sqft |
2020-01-01 | 0 days | 1,856 sqft |
2020-02-01 | 0 days | 1,838 sqft |
2020-03-01 | 0 days | 1,858 sqft |
2020-04-01 | 0 days | 1,925 sqft |
2020-05-01 | 0 days | 1,890 sqft |
2020-06-01 | 0 days | 1,931 sqft |
2020-07-01 | 0 days | 1,941 sqft |
2020-08-01 | 0 days | 1,930 sqft |
2020-09-01 | 0 days | 1,914 sqft |
2020-10-01 | 0 days | 1,909 sqft |
2020-11-01 | 0 days | 1,952 sqft |
2020-12-01 | 0 days | 1,915 sqft |
2021-01-01 | 0 days | 1,810 sqft |
2021-02-01 | 0 days | 1,744 sqft |
2021-03-01 | 0 days | 2,013 sqft |
2021-04-01 | 0 days | 2,132 sqft |
2021-05-01 | 0 days | 1,974 sqft |
2021-06-01 | 0 days | 1,840 sqft |
2021-07-01 | 0 days | 2,034 sqft |
2021-08-01 | 0 days | 1,843 sqft |
2021-09-01 | 0 days | 1,820 sqft |
2021-10-01 | 0 days | 1,800 sqft |
2021-11-01 | 0 days | 1,934 sqft |
2021-12-01 | 0 days | 1,834 sqft |
2022-01-01 | 0 days | 1,770 sqft |
2022-02-01 | 0 days | 1,517 sqft |
2022-03-01 | 0 days | 1,480 sqft |
2022-04-01 | 0 days | 1,662 sqft |
2022-05-01 | 0 days | 1,713 sqft |
2022-06-01 | 0 days | 1,701 sqft |
2022-07-01 | 0 days | 1,657 sqft |
2022-08-01 | 0 days | 1,654 sqft |
2022-09-01 | 0 days | 1,695 sqft |
2022-10-01 | 0 days | 1,683 sqft |
2022-11-01 | 0 days | 1,657 sqft |
2022-12-01 | 0 days | 1,657 sqft |
2023-01-01 | 0 days | 1,657 sqft |
2023-02-01 | 0 days | 1,634 sqft |
2023-03-01 | 0 days | 1,590 sqft |
2023-04-01 | 0 days | 1,614 sqft |
2023-05-01 | 0 days | 1,657 sqft |
Arkadelphia's median square footage for active listings during the 2023-05-01 period was 1,657 sqft. One year prior, the average listing was 1,713 sqft.
Arkadelphia, AR Market Loan Reason
Loan Purpose | Originations | Total Value | Average Loan |
---|---|---|---|
Home Purchase | 223 | $33,755,000 | $151,368 |
Refi | 58 | $17,490,000 | $301,552 |
Cash Out Refi | 49 | $6,585,000 | $134,388 |
Other | 11 | $555,000 | $50,455 |
Home Improvement | 10 | $570,000 | $57,000 |
Arkadelphia's most frequently cited loan purpose was Home Purchase, with 223 originations. The 2nd most popular reason was Refi, with 58 originations.
Interest Rate Frequencies
Loan Rate | Originations | Total Value | Average Loan |
---|---|---|---|
5-6% | 90 | $13,370,000 | $148,556 |
4-5% | 82 | $10,800,000 | $131,707 |
3-4% | 70 | $21,380,000 | $305,429 |
6-7% | 44 | $5,740,000 | $130,455 |
7-8% | 31 | $3,215,000 | $103,710 |
Over 8% | 9 | $1,085,000 | $120,556 |
2.5-3% | 8 | $1,010,000 | $126,250 |
<2.5% | 7 | $1,185,000 | $169,286 |
During 2022, Arkadelphia's most frequently originated rate bucket was 5-6%, with 90 originations.
Loan Sizing (Arkadelphia, AR MSA)
Loan Size | Originations | Total Value | Average Loan |
---|---|---|---|
$100k-200k | 142 | $19,980,000 | $140,704 |
$100,000 or less | 136 | $8,480,000 | $62,353 |
$200k-400k | 68 | $17,970,000 | $264,265 |
$400k-600k | 3 | $1,415,000 | $471,667 |
$Over $1MM | 2 | $11,110,000 | $5,555,000 |
Arkadelphia's loan sizing saw the bucket of loans from $100k-200k with 142 originations, totaling $19,980,000 in origination value.
LTV Distribution
Loan to Value | Originations | Total Value | Average Loan |
---|---|---|---|
80-100% | 172 | $27,690,000 | $160,988 |
60-80% | 92 | $23,530,000 | $255,761 |
40-60% | 29 | $2,945,000 | $101,552 |
20-40% | 24 | $1,540,000 | $64,167 |
Under 20% | 15 | $305,000 | $20,333 |
Over 100% | 7 | $1,595,000 | $227,857 |
Arkadelphia's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 172 originations, totaling $27,690,000 in origination value.