Astoria Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Astoria averaged
6.81%
for the week of 2023-11-30, compared to the national average of
7.22% for the same period.
The average rate for the prior week (2023-11-22) was
7.08% and
one month ago for the week of 2023-10-26, the
average rate was 7.78%.
Astoria's average rate one year ago was 6.17%.
For refis of the same type during the week of 2023-11-30, the average rate
was 6.09%.
Loan Type | Date | Rate |
---|---|---|
US 30 Year Fixed Rate | 2023-11-30 | 7.22% |
Astoria 30 Year Fixed Rate | 2023-11-30 | 6.81% |
Astoria 30 Year Fixed Rate Refi | 2023-11-30 | 6.09% |
Astoria 15 Year Fixed Rate | 2023-11-30 | 6.36% |
Astoria 15 Year Fixed Rate Refi | 2023-11-30 | 7.16% |
Astoria 30 Year FHA | 2023-11-30 | 6.65% |
Astoria 30 Year FHA Refi | 2023-11-30 | 6.95% |
Astoria 30 Year USDA | 2023-11-30 | 7.1% |
Astoria 30 Year USDA Refi | 2023-11-30 | 7.2% |
Astoria 30 Year VA | 2023-11-30 | 6.77% |
Astoria 30 Year VA Refi | 2023-11-30 | 6.97% |
Astoria 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 Astoria, OR 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.).
Astoria Average Closing Costs & Other Stats
Astoria, OR's 125 lenders originated 1,407
loans during 2022. The total origination value was $499,705,000, with an average loan value of
$355,156.
Astoria's average closing costs are $6,116.
The top Astoria lender as defined by loan originations is FAIRWAY INDEPENDENT MORTGAGE CORPORATION, with
53 loans originated. Their average total fees are
$8,585, which is $2,095
higher than the next largest lender,
Golden Empire Mortgage, Inc..
The lowest fee Astoria lenders (with over 10 loans originated) are
U.S. Bank ($5,339), OnPoint Community Credit Union ($5,392), ACADEMY MORTGAGE CORPORATION ($5,577), HOME POINT FINANCIAL CORPORATION ($6,052) and Wells Fargo Bank ($6,427).
The lowest rate Astoria lenders (with over 10 loans originated) are
LOANDEPOT.COM, LLC (3.65%), HOME POINT FINANCIAL CORPORATION (3.93%), Wells Fargo Bank (4.15%), Bank of the Pacific (4.39%) and QUICKEN LOANS, LLC (4.41%).
Astoria, OR 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 |
---|---|---|---|---|
FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $54,655,000 | $32,120,000 | -41.2% | 6.4% |
Golden Empire Mortgage, Inc. | $40,985,000 | $25,100,000 | -38.8% | 5.0% |
QUICKEN LOANS, LLC | $52,755,000 | $22,670,000 | -57.0% | 4.5% |
U.S. Bank | $40,695,000 | $21,510,000 | -47.1% | 4.3% |
Umpqua Bank | $41,865,000 | $20,905,000 | -50.1% | 4.2% |
CALIBER HOME LOANS, INC. | $38,310,000 | $20,045,000 | -47.7% | 4.0% |
Bank of the Pacific | $17,915,000 | $19,190,000 | 7.1% | 3.8% |
CHURCHILL MORTGAGE CORPORATION | $28,225,000 | $18,415,000 | -34.8% | 3.7% |
UNITED WHOLESALE MORTGAGE, LLC | $35,830,000 | $16,615,000 | -53.6% | 3.3% |
Wauna Federal Credit Union | $19,220,000 | $13,795,000 | -28.2% | 2.8% |
Wells Fargo Bank | $20,210,000 | $13,035,000 | -35.5% | 2.6% |
Heritage Bank | $11,605,000 | n/a | 2.3% | |
FIBRE FEDERAL CREDIT UNION | $10,040,000 | $11,495,000 | 14.5% | 2.3% |
ACADEMY MORTGAGE CORPORATION | $17,195,000 | $8,775,000 | -49.0% | 1.8% |
GUILD MORTGAGE COMPANY | $18,590,000 | $8,455,000 | -54.5% | 1.7% |
PANORAMA MORTGAGE GROUP, LLC | $3,025,000 | $7,855,000 | 159.7% | 1.6% |
Bank of America | $3,150,000 | $7,595,000 | 141.1% | 1.5% |
SUMMIT FUNDING, INC. | $10,830,000 | $6,535,000 | -39.7% | 1.3% |
OnPoint Community Credit Union | $14,755,000 | $6,400,000 | -56.6% | 1.3% |
Mortgage Research Center, LLC | $6,485,000 | $5,620,000 | -13.3% | 1.1% |
Washington Federal Bank | $1,850,000 | $5,620,000 | 203.8% | 1.1% |
First Republic Bank | $3,840,000 | $5,380,000 | 40.1% | 1.1% |
LOANDEPOT.COM, LLC | $16,025,000 | $5,275,000 | -67.1% | 1.1% |
Grandbridge Real Estate Capital LLC | $5,015,000 | n/a | 1.0% | |
PENNYMAC LOAN SERVICES, LLC | $10,355,000 | $4,960,000 | -52.1% | 1.0% |
HomeStreet Bank | $1,190,000 | $4,800,000 | 303.4% | 1.0% |
HOME POINT FINANCIAL CORPORATION | $7,185,000 | $4,390,000 | -38.9% | 0.9% |
Columbia State Bank | $11,525,000 | $4,325,000 | -62.5% | 0.9% |
CMG MORTGAGE, INC. | $5,970,000 | $4,160,000 | -30.3% | 0.8% |
NAVY FEDERAL CREDIT UNION | $4,360,000 | $4,065,000 | -6.8% | 0.8% |
Flagstar Bank, FSB | $4,480,000 | $4,025,000 | -10.2% | 0.8% |
KeyBank | $7,255,000 | $4,015,000 | -44.7% | 0.8% |
FREEDOM MORTGAGE CORPORATION | $16,705,000 | $3,895,000 | -76.7% | 0.8% |
Citadel Servicing Corporation | $3,720,000 | $3,440,000 | -7.5% | 0.7% |
Pacific Premier Bank | $1,595,000 | $3,345,000 | 109.7% | 0.7% |
FINANCE OF AMERICA MORTGAGE LLC | $9,560,000 | $3,335,000 | -65.1% | 0.7% |
Commerce Home Mortgage, Inc. | $4,170,000 | $3,230,000 | -22.5% | 0.6% |
SUMMIT MORTGAGE CORPORATION | $3,160,000 | $2,905,000 | -8.1% | 0.6% |
ADVANTIS | $4,130,000 | $2,695,000 | -34.7% | 0.5% |
UBS Bank USA | $2,605,000 | n/a | 0.5% | |
JPMorgan Chase Bank | $9,600,000 | $2,520,000 | -73.8% | 0.5% |
CROSSCOUNTRY MORTGAGE, LLC | $6,155,000 | $2,460,000 | -60.0% | 0.5% |
NATIONS DIRECT MORTGAGE, LLC | $7,985,000 | $2,355,000 | -70.5% | 0.5% |
BROKER SOLUTIONS, INC. | $4,590,000 | $2,345,000 | -48.9% | 0.5% |
Mr. Cooper ( Nationstar Mortgage ) | $5,800,000 | $2,335,000 | -59.7% | 0.5% |
HOMEBRIDGE FINANCIAL SERVICES, INC. | $11,365,000 | $2,295,000 | -79.8% | 0.5% |
Truist | $595,000 | $2,175,000 | 265.5% | 0.4% |
DIRECTORS MORTGAGE, INC. | $12,835,000 | $2,050,000 | -84.0% | 0.4% |
FINANCE OF AMERICA REVERSE LLC | $1,515,000 | $2,040,000 | 34.7% | 0.4% |
Morgan Stanley Private Bank | $6,145,000 | $2,015,000 | -67.2% | 0.4% |
Carrington Mortgage Services, LLC | $730,000 | $1,995,000 | 173.3% | 0.4% |
MUTUAL OF OMAHA MORTGAGE, INC. | $860,000 | $1,910,000 | 122.1% | 0.4% |
Hometown Lenders, Inc. | $2,555,000 | $1,895,000 | -25.8% | 0.4% |
BETTER MORTGAGE CORPORATION | $5,330,000 | $1,890,000 | -64.5% | 0.4% |
USAA Federal Savings Bank | $2,395,000 | $1,890,000 | -21.1% | 0.4% |
AMERISAVE MORTGAGE CORPORATION | $4,650,000 | $1,770,000 | -61.9% | 0.4% |
Unitus Community Credit Union | $2,590,000 | $1,735,000 | -33.0% | 0.3% |
GUARANTEED RATE, INC. | $3,840,000 | $1,720,000 | -55.2% | 0.3% |
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | $2,530,000 | $1,685,000 | -33.4% | 0.3% |
OREGON COMMUNITY | $455,000 | $1,665,000 | 265.9% | 0.3% |
CANOPY MORTGAGE, LLC | $3,655,000 | $1,650,000 | -54.9% | 0.3% |
AMERICAN ADVISORS GROUP | $1,370,000 | $1,640,000 | 19.7% | 0.3% |
LONGBRIDGE FINANCIAL, LLC | $700,000 | $1,615,000 | 130.7% | 0.3% |
CIVIC FINANCIAL SERVICES, LLC | $625,000 | $1,610,000 | 157.6% | 0.3% |
REVERSE MORTGAGE FUNDING LLC | $265,000 | $1,545,000 | 483.0% | 0.3% |
Bank of the West | $3,010,000 | $1,500,000 | -50.2% | 0.3% |
LENDSURE MORTGAGE CORP. | $1,415,000 | n/a | 0.3% | |
FIRST TECHNOLOGY | $3,630,000 | $1,410,000 | -61.2% | 0.3% |
Merchants Mortgage & Trust Corporation | $1,395,000 | n/a | 0.3% | |
Consolidated Federal Credit Union | $1,305,000 | n/a | 0.3% | |
Citibank | $1,990,000 | $1,265,000 | -36.4% | 0.3% |
Bank of England | $765,000 | $1,260,000 | 64.7% | 0.3% |
Willamette Valley Bank | $1,245,000 | $1,235,000 | -0.8% | 0.2% |
VERITAS FUNDING, LLC | $865,000 | $1,175,000 | 35.8% | 0.2% |
The Huntington National Bank | $505,000 | $1,125,000 | 122.8% | 0.2% |
Academy Bank | $1,115,000 | n/a | 0.2% | |
DEEPHAVEN MORTGAGE LLC | $1,105,000 | n/a | 0.2% | |
MOVEMENT MORTGAGE, LLC | $4,195,000 | $1,095,000 | -73.9% | 0.2% |
PROVIDENT FUNDING ASSOCIATES, L.P. | $1,515,000 | $1,085,000 | -28.4% | 0.2% |
City National Bank | $840,000 | $1,040,000 | 23.8% | 0.2% |
Banner Bank | $2,215,000 | $1,020,000 | -54.0% | 0.2% |
EVERGREEN MONEYSOURCE MORTGAGE COMPANY | $2,440,000 | $1,015,000 | -58.4% | 0.2% |
PRIMARY RESIDENTIAL MORTGAGE, INC. | $335,000 | $995,000 | 197.0% | 0.2% |
Wyndham Capital Mortgage, Inc. | $305,000 | $970,000 | 218.0% | 0.2% |
Sierra Pacific Mortgage Company, Inc. | $2,590,000 | $945,000 | -63.5% | 0.2% |
LAKEVIEW LOAN SERVICING, LLC | $3,425,000 | $935,000 | -72.7% | 0.2% |
Nations Lending Corporation | $740,000 | $920,000 | 24.3% | 0.2% |
PRIMELENDING, A PLAINSCAPITAL COMPANY | $2,075,000 | $905,000 | -56.4% | 0.2% |
The Federal Savings Bank | $3,235,000 | $900,000 | -72.2% | 0.2% |
AMERICAN INTERNET MORTGAGE, INC. | $1,155,000 | $890,000 | -22.9% | 0.2% |
SUN WEST MORTGAGE COMPANY, INC. | $875,000 | $870,000 | -0.6% | 0.2% |
MASON MCDUFFIE MORTGAGE CORPORATION | $1,215,000 | $860,000 | -29.2% | 0.2% |
1st Security Bank of Washington | $1,355,000 | $830,000 | -38.7% | 0.2% |
iQ Credit Union | $1,345,000 | $830,000 | -38.3% | 0.2% |
SAMMAMISH MORTGAGE COMPANY | $615,000 | $830,000 | 35.0% | 0.2% |
PENTAGON FEDERAL CREDIT UNION | $500,000 | $800,000 | 60.0% | 0.2% |
NEWREZ LLC | $3,815,000 | $795,000 | -79.2% | 0.2% |
Paramount Residential Mortgage Group, Inc. | $1,705,000 | $785,000 | -54.0% | 0.2% |
Boeing Employees Credit Union | $2,610,000 | $765,000 | -70.7% | 0.2% |
Equity Prime Mortgage LLC | $760,000 | n/a | 0.2% | |
Charles Schwab Bank, SSB | $735,000 | $755,000 | 2.7% | 0.2% |
First-Citizens Bank & Trust Company | $735,000 | n/a | 0.1% | |
Stifel Bank and Trust | $2,650,000 | $725,000 | -72.6% | 0.1% |
Cornerstone First Mortgage, Inc | $730,000 | $720,000 | -1.4% | 0.1% |
GENEVA FINANCIAL, LLC | $475,000 | $720,000 | 51.6% | 0.1% |
PHH Mortgage Corporation | $1,940,000 | $720,000 | -62.9% | 0.1% |
Texana Bank | $720,000 | n/a | 0.1% | |
NBKC BANK | $670,000 | $690,000 | 3.0% | 0.1% |
AXIA FINANCIAL, LLC | $225,000 | $665,000 | 195.6% | 0.1% |
MANN FINANCIAL INC. | $2,655,000 | $660,000 | -75.1% | 0.1% |
HomePromise Corporation | $645,000 | n/a | 0.1% | |
AMERICAN HERITAGE LENDING, INC. | $635,000 | n/a | 0.1% | |
Wheatland Bank | $635,000 | n/a | 0.1% | |
INROADS | $845,000 | $630,000 | -25.4% | 0.1% |
PNC Bank | $1,270,000 | $605,000 | -52.4% | 0.1% |
First Federal | $585,000 | n/a | 0.1% | |
S1L, Inc. | $1,405,000 | $575,000 | -59.1% | 0.1% |
Rivermark Community Credit Union | $1,115,000 | $555,000 | -50.2% | 0.1% |
BLUELEAF LENDING, LLC | $545,000 | n/a | 0.1% | |
GTE Federal Credit Union | $540,000 | n/a | 0.1% | |
BNC National Bank | $535,000 | n/a | 0.1% | |
CIBC Bank USA | $525,000 | n/a | 0.1% | |
HighTechLending Inc | $525,000 | n/a | 0.1% | |
NUMERICA CREDIT UNION | $525,000 | n/a | 0.1% | |
HOMEXPRESS MORTGAGE CORP. | $1,020,000 | $520,000 | -49.0% | 0.1% |
PACIFIC RESIDENTIAL MORTGAGE, LLC | $3,565,000 | $520,000 | -85.4% | 0.1% |
AMERICAN FINANCIAL RESOURCES, INC. | $225,000 | $510,000 | 126.7% | 0.1% |
SPRING EQ, LLC | $510,000 | n/a | 0.1% | |
Loan Simple, Inc. | $505,000 | n/a | 0.1% | |
RELIANCE FIRST CAPITAL, LLC | $225,000 | $500,000 | 122.2% | 0.1% |
IDAHO STATE UNIVERSITY | $485,000 | n/a | 0.1% | |
Low VA Rates, LLC | $375,000 | $485,000 | 29.3% | 0.1% |
PRIORITY HOME LENDING, LLC | $545,000 | $480,000 | -11.9% | 0.1% |
NEW DAY FINANCIAL, LLC | $1,060,000 | $465,000 | -56.1% | 0.1% |
Barrington Bank & Trust Company, N.A. | $590,000 | $445,000 | -24.6% | 0.1% |
THE MORTGAGE COMPANY | $730,000 | $445,000 | -39.0% | 0.1% |
First Guaranty Mortgage Corporation | $1,000,000 | $435,000 | -56.5% | 0.1% |
Bethpage Federal Credit Union | $430,000 | n/a | 0.1% | |
COLUMBIA COMMUNITY CREDIT UNION | $960,000 | $430,000 | -55.2% | 0.1% |
SOFI LENDING CORP. | $425,000 | n/a | 0.1% | |
Gallic & Johnson, LLC | $415,000 | n/a | 0.1% | |
HOMESIDE FINANCIAL, LLC | $415,000 | n/a | 0.1% | |
DRAPER AND KRAMER MORTGAGE CORP. | $485,000 | $405,000 | -16.5% | 0.1% |
AMERICAN FINANCING CORPORATION | $1,670,000 | $400,000 | -76.0% | 0.1% |
Toyota Financial Savings Bank | $395,000 | n/a | 0.1% | |
ADVANCIAL | $385,000 | n/a | 0.1% | |
First Interstate Bank | $2,640,000 | $385,000 | -85.4% | 0.1% |
North American Savings Bank, F.S.B. | $1,860,000 | $385,000 | -79.3% | 0.1% |
CHERRY CREEK MORTGAGE, LLC | $1,475,000 | $380,000 | -74.2% | 0.1% |
MUFG Union Bank | $600,000 | $380,000 | -36.7% | 0.1% |
GSF Mortgage Corporation | $495,000 | $375,000 | -24.2% | 0.1% |
THRIVENT Federal Credit Union | $375,000 | n/a | 0.1% | |
Zions Bancorporation, N.A. | $370,000 | n/a | 0.1% | |
ANGEL OAK MORTGAGE SOLUTIONS LLC | $1,195,000 | $365,000 | -69.5% | 0.1% |
NFM, INC. | $740,000 | $355,000 | -52.0% | 0.1% |
JLB CORPORATION | $235,000 | $345,000 | 46.8% | 0.1% |
MORTGAGE EXPRESS, LLC | $6,095,000 | $345,000 | -94.3% | 0.1% |
RED CANOE CREDIT UNION | $345,000 | n/a | 0.1% | |
NBH Bank | $335,000 | n/a | 0.1% | |
STEARNS LENDING, LLC | $575,000 | $325,000 | -43.5% | 0.1% |
ARC HOME LLC | $375,000 | $285,000 | -24.0% | 0.1% |
MORTGAGE SOLUTIONS OF COLORADO, LLC | $740,000 | $275,000 | -62.8% | 0.1% |
ALL REVERSE MORTGAGE, INC. | $265,000 | n/a | 0.1% | |
PREMIER MORTGAGE RESOURCES, L.L.C. | $4,425,000 | $265,000 | -94.0% | 0.1% |
EAST IDAHO Credit Union | $255,000 | n/a | 0.1% | |
TEMPLE VIEW CAPITAL FUNDING, LP | $255,000 | n/a | 0.1% | |
Washington Trust Bank | $705,000 | $255,000 | -63.8% | 0.1% |
Axos Bank | $565,000 | $245,000 | -56.6% | 0.0% |
MARION AND POLK SCHOOLS CREDIT UNION | $245,000 | n/a | 0.0% | |
Citizens Bank | $570,000 | $225,000 | -60.5% | 0.0% |
Sound Community Bank | $205,000 | n/a | 0.0% | |
FIRST ALLIANCE HOME MORTGAGE, LLC | $195,000 | n/a | 0.0% | |
QUORUM FEDERAL CREDIT UNION | $190,000 | n/a | 0.0% | |
Figure Lending LLC | $205,000 | $170,000 | -17.1% | 0.0% |
M&T Bank | $165,000 | n/a | 0.0% | |
VILLAGE CAPITAL MORTGAGE | $1,090,000 | $165,000 | -84.9% | 0.0% |
Advisors Mortgage Group, L.L.C. | $165,000 | $155,000 | -6.1% | 0.0% |
SOUND | $155,000 | n/a | 0.0% | |
OPEN MORTGAGE, LLC | $225,000 | $145,000 | -35.6% | 0.0% |
Superior Credit Union, Inc. | $1,035,000 | $135,000 | -87.0% | 0.0% |
KaiPrm NWFCU | $125,000 | n/a | 0.0% | |
Oregon State Credit Union | $465,000 | $115,000 | -75.3% | 0.0% |
ALLIANT CREDIT UNION | $255,000 | $105,000 | -58.8% | 0.0% |
PacWest Funding Inc. | $115,000 | $105,000 | -8.7% | 0.0% |
ROGUE | $35,000 | $105,000 | 200.0% | 0.0% |
Discover Bank | $45,000 | $85,000 | 88.9% | 0.0% |
BayCoast Bank | $80,000 | n/a | 0.0% | |
UNIVERSITY CREDIT UNION | $75,000 | n/a | 0.0% | |
AFFINITY | $55,000 | n/a | 0.0% | |
OREGONIANS CREDIT UNION | $55,000 | n/a | 0.0% | |
Third Federal Savings and Loan Association of Cleveland | $55,000 | n/a | 0.0% | |
21ST MORTGAGE CORPORATION | $35,000 | $45,000 | 28.6% | 0.0% |
GREENWOOD | $45,000 | n/a | 0.0% |
Astoria's top lender by overall market share is FAIRWAY INDEPENDENT MORTGAGE CORPORATION, with 6.4% market share. In second place, with 5.0%, is Golden Empire Mortgage, Inc., having originated $25,100,000 in loans. In third place, with 4.5%, is QUICKEN LOANS, LLC, having originated $22,670,000 in loans. In fourth place, with 4.3%, is U.S. Bank, having originated $21,510,000 in loans. In fifth place, with 4.2%, is Umpqua Bank, having originated $20,905,000 in loans.
Astoria, OR Market Loan Reason
Loan Purpose | Originations | Total Value | Average Loan |
---|---|---|---|
Home Purchase | 634 | $293,980,000 | $463,691 |
Cash Out Refi | 288 | $97,250,000 | $337,674 |
Refi | 228 | $62,500,000 | $274,123 |
Home Improvement | 140 | $21,320,000 | $152,286 |
Other | 117 | $24,655,000 | $210,726 |
Astoria's most frequently cited loan purpose was Home Purchase, with 634 originations. The 2nd most popular reason was Cash Out Refi, with 288 originations.
Interest Rate Frequencies
Loan Rate | Originations | Total Value | Average Loan |
---|---|---|---|
5-6% | 361 | $133,425,000 | $369,598 |
3-4% | 348 | $123,410,000 | $354,626 |
4-5% | 308 | $104,850,000 | $340,422 |
6-7% | 152 | $46,900,000 | $308,553 |
2.5-3% | 110 | $53,450,000 | $485,909 |
7-8% | 61 | $18,215,000 | $298,607 |
Over 8% | 36 | $8,550,000 | $237,500 |
<2.5% | 30 | $10,320,000 | $344,000 |
During 2022, Astoria's most frequently originated rate bucket was 5-6%, with 361 originations.
Loan Sizing (Astoria, OR MSA)
Loan Size | Originations | Total Value | Average Loan |
---|---|---|---|
$200k-400k | 567 | $171,185,000 | $301,914 |
$400k-600k | 325 | $154,715,000 | $476,046 |
$100k-200k | 210 | $30,960,000 | $147,429 |
$100,000 or less | 184 | $11,110,000 | $60,380 |
$600k-1000k | 95 | $67,105,000 | $706,368 |
$Over $1MM | 26 | $64,630,000 | $2,485,769 |
Astoria's loan sizing saw the bucket of loans from $200k-400k with 567 originations, totaling $171,185,000 in origination value.
LTV Distribution
Loan to Value | Originations | Total Value | Average Loan |
---|---|---|---|
60-80% | 404 | $191,410,000 | $473,787 |
80-100% | 336 | $157,370,000 | $468,363 |
40-60% | 245 | $88,785,000 | $362,388 |
20-40% | 204 | $38,470,000 | $188,578 |
Under 20% | 197 | $14,645,000 | $74,340 |
Over 100% | 14 | $6,550,000 | $467,857 |
Astoria's loan sizing saw loans grouped in the 60-80% Loan-to-value bucket with 404 originations, totaling $191,410,000 in origination value.