Big Stone Gap Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Big Stone Gap averaged
7.96%
for the week of 2023-03-16, compared to the national average of
6.6% for the same period.
The average rate for the prior week (2023-03-09) was
7.79% and
one month ago for the week of 2023-02-09, the
average rate was 7.28%.
Big Stone Gap's average rate one year ago was 5.11%.
For refis of the same type during the week of 2023-03-16, the average rate
was 7.01%.
Loan Type | Date | Rate |
---|---|---|
US 30 Year Fixed Rate | 2023-03-16 | 6.6% |
Big Stone Gap 30 Year Fixed Rate | 2023-03-16 | 7.96% |
Big Stone Gap 30 Year Fixed Rate Refi | 2023-03-16 | 7.01% |
Big Stone Gap 15 Year Fixed Rate | 2023-03-16 | 7.15% |
Big Stone Gap 15 Year Fixed Rate Refi | 2023-03-16 | 6.09% |
Big Stone Gap 30 Year FHA | 2023-03-16 | 6.81% |
Big Stone Gap 30 Year FHA Refi | 2023-03-16 | 6.44% |
Big Stone Gap 30 Year USDA | 2023-03-16 | 6.78% |
Big Stone Gap 30 Year USDA Refi | 2023-03-16 | 5.87% |
Big Stone Gap 30 Year VA | 2023-03-16 | 6.61% |
Big Stone Gap 30 Year VA Refi | 2023-03-16 | 5.9% |
Big Stone Gap 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 Big Stone Gap, VA 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.).
Big Stone Gap Average Closing Costs & Other Stats
Big Stone Gap, VA's 35 lenders originated 640
loans during 2021. The total origination value was $82,710,000, with an average loan value of
$129,234.
Big Stone Gap's average closing costs are $3,589.
The top Big Stone Gap lender as defined by loan originations is EASTMAN, with
96 loans originated. Their average total fees are
$2,776, which is $34
lower than the next largest lender,
FIRST BANCORP, INC..
The lowest fee Big Stone Gap lenders (with over 10 loans originated) are
EASTMAN ($2,776), FIRST BANCORP, INC. ($2,809), QUICKEN LOANS, LLC ($4,190), .
The lowest rate Big Stone Gap lenders (with over 10 loans originated) are
QUICKEN LOANS, LLC (3.20%), FIRST BANCORP, INC. (3.41%), EASTMAN (4.37%), .
Big Stone Gap, VA 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 | 2020 Loan Value | 2021 Loan Value | % Change | 2021 Market Share |
---|---|---|---|---|
EASTMAN | $11,720,000 | $19,590,000 | 67.2% | 23.7% |
QUICKEN LOANS, LLC | $7,710,000 | $8,710,000 | 13.0% | 10.5% |
FIRST BANCORP, INC. | $8,475,000 | $7,065,000 | -16.6% | 8.5% |
CROSSCOUNTRY MORTGAGE, LLC | $4,675,000 | $4,855,000 | 3.9% | 5.9% |
Truist Bank | $4,250,000 | $4,445,000 | 4.6% | 5.4% |
Powell Valley National Bank | $3,505,000 | $3,850,000 | 9.8% | 4.7% |
Mortgage Research Center, LLC | $535,000 | $3,370,000 | 529.9% | 4.1% |
Appalachian Community Federal Credit Union | $1,470,000 | $2,180,000 | 48.3% | 2.6% |
Wells Fargo Bank | $1,785,000 | $2,085,000 | 16.8% | 2.5% |
Farmers and Miners Bank | $2,215,000 | $2,035,000 | -8.1% | 2.5% |
CMG MORTGAGE, INC. | $925,000 | $1,935,000 | 109.2% | 2.3% |
FREEDOM MORTGAGE CORPORATION | $1,815,000 | $1,890,000 | 4.1% | 2.3% |
New Peoples Bank, Inc. | $2,230,000 | $1,860,000 | -16.6% | 2.2% |
VANDERBILT MORTGAGE AND FINANCE, INC. | $1,450,000 | $1,600,000 | 10.3% | 1.9% |
PENNYMAC LOAN SERVICES, LLC | $215,000 | $930,000 | 332.6% | 1.1% |
NAVY FEDERAL CREDIT UNION | $255,000 | $920,000 | 260.8% | 1.1% |
LOANDEPOT.COM, LLC | $825,000 | $905,000 | 9.7% | 1.1% |
UNITED WHOLESALE MORTGAGE, LLC | $790,000 | n/a | 1.0% | |
HOME POINT FINANCIAL CORPORATION | $165,000 | $760,000 | 360.6% | 0.9% |
21ST MORTGAGE CORPORATION | $950,000 | $660,000 | -30.5% | 0.8% |
HANCOCK MORTGAGE PARTNERS, LLC | $340,000 | $535,000 | 57.4% | 0.6% |
EMBRACE HOME LOANS, INC. | $465,000 | n/a | 0.6% | |
GUARANTEED RATE, INC. | $445,000 | n/a | 0.5% | |
Flagstar Bank, FSB | $415,000 | n/a | 0.5% | |
ROYAL UNITED MORTGAGE LLC | $55,000 | $375,000 | 581.8% | 0.5% |
CALIBER HOME LOANS, INC. | $350,000 | $360,000 | 2.9% | 0.4% |
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | $1,120,000 | $355,000 | -68.3% | 0.4% |
Carrington Mortgage Services, LLC | $330,000 | $345,000 | 4.5% | 0.4% |
MOVEMENT MORTGAGE, LLC | $315,000 | $340,000 | 7.9% | 0.4% |
BROKER SOLUTIONS, INC. | $330,000 | n/a | 0.4% | |
FINANCE OF AMERICA MORTGAGE LLC | $330,000 | n/a | 0.4% | |
PNC Bank | $330,000 | n/a | 0.4% | |
NEWREZ LLC | $135,000 | $320,000 | 137.0% | 0.4% |
Nations Lending Corporation | $85,000 | $305,000 | 258.8% | 0.4% |
USAA Federal Savings Bank | $135,000 | $295,000 | 118.5% | 0.4% |
U.S. Bank | $290,000 | n/a | 0.4% | |
FIRST HOME MORTGAGE CORPORATION | $275,000 | n/a | 0.3% | |
George Mason Mortgage, LLC | $265,000 | n/a | 0.3% | |
Pinnacle Bank | $195,000 | $255,000 | 30.8% | 0.3% |
Citizens Bank | $415,000 | $250,000 | -39.8% | 0.3% |
BETTER MORTGAGE CORPORATION | $235,000 | n/a | 0.3% | |
Bank of America | $345,000 | $230,000 | -33.3% | 0.3% |
NP, Inc. | $235,000 | $225,000 | -4.3% | 0.3% |
NEW DAY FINANCIAL, LLC | $330,000 | $200,000 | -39.4% | 0.2% |
Alcova Mortgage LLC | $75,000 | $190,000 | 153.3% | 0.2% |
ARK-LA-TEX FINANCIAL SERVICES, LLC. | $585,000 | $185,000 | -68.4% | 0.2% |
First Community Bank | $115,000 | $185,000 | 60.9% | 0.2% |
FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $460,000 | $175,000 | -62.0% | 0.2% |
Metro City Bank | $165,000 | n/a | 0.2% | |
Paramount Residential Mortgage Group, Inc. | $95,000 | $165,000 | 73.7% | 0.2% |
SOUTHWEST STAGE FUNDING, LLC | $350,000 | $165,000 | -52.9% | 0.2% |
VILLAGE CAPITAL & INVESTMENT LLC | $165,000 | n/a | 0.2% | |
JPMorgan Chase Bank | $150,000 | n/a | 0.2% | |
AMERICAN FINANCIAL NETWORK, INC. | $145,000 | n/a | 0.2% | |
AMERICAN PACIFIC MORTGAGE CORPORATION | $145,000 | n/a | 0.2% | |
FIRST COMMUNITY MORTGAGE, INC. | $115,000 | $145,000 | 26.1% | 0.2% |
Renasant Bank | $605,000 | $145,000 | -76.0% | 0.2% |
GUIDANCE RESIDENTIAL, LLC | $135,000 | n/a | 0.2% | |
Hometown Lenders, Inc. | $135,000 | n/a | 0.2% | |
NORWICH COMMERCIAL GROUP, INC. | $135,000 | n/a | 0.2% | |
TD Bank | $135,000 | $135,000 | 0.0% | 0.2% |
Baxter Credit Union | $125,000 | n/a | 0.2% | |
CREDIT HUMAN FEDERAL CREDIT UNION | $120,000 | n/a | 0.1% | |
AmeriHome Mortgage Company, LLC | $115,000 | n/a | 0.1% | |
OCEANSIDE MORTGAGE COMPANY | $105,000 | n/a | 0.1% | |
Virginia Credit Union, Inc. | $570,000 | $105,000 | -81.6% | 0.1% |
The Bank of Marion | $355,000 | $100,000 | -71.8% | 0.1% |
LAKEVIEW LOAN SERVICING, LLC | $175,000 | $95,000 | -45.7% | 0.1% |
Mr. Cooper ( Nationstar Mortgage ) | $575,000 | $95,000 | -83.5% | 0.1% |
NATIONWIDE MORTGAGE BANKERS, INC. | $95,000 | n/a | 0.1% | |
PHH Mortgage Corporation | $95,000 | n/a | 0.1% | |
TOWNE MORTGAGE COMPANY | $245,000 | $95,000 | -61.2% | 0.1% |
Barrington Bank & Trust Company, N.A. | $530,000 | $85,000 | -84.0% | 0.1% |
BAYSHORE MORTGAGE FUNDING, LLC | $75,000 | n/a | 0.1% | |
Carter Bank & Trust | $75,000 | n/a | 0.1% | |
Community Trust Bank, Inc. | $465,000 | $75,000 | -83.9% | 0.1% |
SUCCESS MORTGAGE PARTNERS, INC. | $75,000 | n/a | 0.1% | |
AMERISAVE MORTGAGE CORPORATION | $175,000 | $65,000 | -62.9% | 0.1% |
NATIONS RELIABLE LENDING, LLC | $65,000 | n/a | 0.1% | |
Apple Federal Credit Union | $55,000 | n/a | 0.1% | |
Discover Bank | $55,000 | $55,000 | 0.0% | 0.1% |
Regions Bank | $55,000 | n/a | 0.1% | |
Figure Lending LLC | $15,000 | n/a | 0.0% |
Big Stone Gap's top lender by overall market share is EASTMAN, with 23.7% market share. In second place, with 10.5%, is QUICKEN LOANS, LLC, having originated $8,710,000 in loans. In third place, with 8.5%, is FIRST BANCORP, INC., having originated $7,065,000 in loans. In fourth place, with 5.9%, is CROSSCOUNTRY MORTGAGE, LLC, having originated $4,855,000 in loans. In fifth place, with 5.4%, is Truist Bank, having originated $4,445,000 in loans.
Big Stone Gap Housing Market Trends (Median, Average Prices & Listing Count)
Realtor.com - Big Stone Gap (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 | $101,654 (-1.2%) | $131,160 (5.2%) | 0.00 | 208 |
2018-02-01 | $104,833 (6.2%) | $131,651 (9.0%) | 0.00 | 211 |
2018-03-01 | $99,725 (5.7%) | $127,920 (8.7%) | 0.00 | 213 |
2018-04-01 | $99,458 (2.7%) | $126,483 (3.7%) | 0.00 | 205 |
2018-05-01 | $99,000 (2.8%) | $121,949 (-0.5%) | 0.00 | 218 |
2018-06-01 | $95,333 (-3.3%) | $118,122 (-6.4%) | 0.00 | 229 |
2018-07-01 | $94,277 (-4.8%) | $118,412 (-4.0%) | 0.00 | 251 |
2018-08-01 | $92,500 (-5.8%) | $119,485 (-3.0%) | 0.00 | 268 |
2018-09-01 | $89,639 (-10.3%) | $115,349 (-8.0%) | 0.00 | 267 |
2018-10-01 | $87,708 (-12.2%) | $114,343 (-8.1%) | 0.00 | 269 |
2018-11-01 | $87,500 (-12.1%) | $113,657 (-9.2%) | 0.00 | 257 |
2018-12-01 | $88,998 (-11.9%) | $115,419 (-10.4%) | 0.00 | 240 |
2019-01-01 | $90,250 (-11.2%) | $116,871 (-10.9%) | 0.00 | 240 |
2019-02-01 | $92,500 (-11.8%) | $120,011 (-8.8%) | 0.00 | 229 |
2019-03-01 | $93,476 (-6.3%) | $125,881 (-1.6%) | 0.00 | 215 |
2019-04-01 | $94,777 (-4.7%) | $129,083 (2.1%) | 0.00 | 211 |
2019-05-01 | $96,938 (-2.1%) | $134,296 (10.1%) | 0.00 | 212 |
2019-06-01 | $101,300 (6.3%) | $137,010 (16.0%) | 0.00 | 213 |
2019-07-01 | $102,150 (8.4%) | $136,374 (15.2%) | 0.00 | 212 |
2019-08-01 | $103,413 (11.8%) | $136,332 (14.1%) | 0.00 | 211 |
2019-09-01 | $102,617 (14.5%) | $137,103 (18.9%) | 0.00 | 209 |
2019-10-01 | $102,086 (16.4%) | $137,113 (19.9%) | 0.00 | 204 |
2019-11-01 | $104,000 (18.9%) | $134,316 (18.2%) | 0.00 | 205 |
2019-12-01 | $98,750 (11.0%) | $132,272 (14.6%) | 0.00 | 208 |
2020-01-01 | $97,950 (8.5%) | $133,212 (14.0%) | 0.00 | 201 |
2020-02-01 | $95,900 (3.7%) | $135,468 (12.9%) | 0.00 | 191 |
2020-03-01 | $98,450 (5.3%) | $141,423 (12.4%) | 0.00 | 165 |
2020-04-01 | $100,800 (6.4%) | $151,197 (17.1%) | 0.00 | 159 |
2020-05-01 | $104,900 (8.2%) | $150,466 (12.0%) | 0.00 | 151 |
2020-06-01 | $111,000 (9.6%) | $152,283 (11.2%) | 0.00 | 152 |
2020-07-01 | $120,667 (18.1%) | $159,238 (16.8%) | 0.00 | 143 |
2020-08-01 | $119,777 (15.8%) | $157,724 (15.7%) | 0.00 | 115 |
2020-09-01 | $121,000 (17.9%) | $160,035 (16.7%) | 0.00 | 115 |
2020-10-01 | $129,000 (26.4%) | $168,256 (22.7%) | 0.00 | 102 |
2020-11-01 | $135,000 (29.8%) | $176,615 (31.5%) | 0.00 | 106 |
2020-12-01 | $133,950 (35.7%) | $170,980 (29.3%) | 0.00 | 108 |
2021-01-01 | $129,000 (31.7%) | $167,613 (25.8%) | 0.00 | 103 |
2021-02-01 | $109,500 (14.2%) | $165,347 (22.1%) | 0.00 | 92 |
2021-03-01 | $127,283 (29.3%) | $173,346 (22.6%) | 0.00 | 84 |
2021-04-01 | $124,333 (23.4%) | $172,624 (14.2%) | 0.00 | 79 |
2021-05-01 | $125,000 (19.2%) | $176,866 (17.6%) | 0.00 | 72 |
2021-06-01 | $136,225 (22.7%) | $184,110 (20.9%) | 0.00 | 81 |
2021-07-01 | $152,500 (26.4%) | $190,803 (19.8%) | 0.00 | 76 |
2021-08-01 | $147,450 (23.1%) | $184,193 (16.8%) | 0.00 | 84 |
2021-09-01 | $144,000 (19.0%) | $182,518 (14.1%) | 0.00 | 89 |
2021-10-01 | $130,000 (0.8%) | $175,499 (4.3%) | 0.00 | 81 |
2021-11-01 | $145,000 (7.4%) | $174,922 (-1.0%) | 0.00 | 74 |
2021-12-01 | $143,500 (7.1%) | $176,470 (3.2%) | 0.00 | 70 |
2022-01-01 | $140,777 (9.1%) | $176,716 (5.4%) | 0.00 | 67 |
2022-02-01 | $137,475 (25.6%) | $168,597 (2.0%) | 0.00 | 69 |
2022-03-01 | $140,777 (10.6%) | $170,032 (-1.9%) | 0.00 | 63 |
2022-04-01 | $139,900 (12.5%) | $168,263 (-2.5%) | 0.00 | 65 |
2022-05-01 | $137,000 (9.6%) | $157,908 (-10.7%) | 0.00 | 63 |
2022-06-01 | $149,000 (9.4%) | $167,298 (-9.1%) | 0.00 | 66 |
2022-07-01 | $164,217 (7.7%) | $185,900 (-2.6%) | 0.00 | 65 |
2022-08-01 | $169,875 (15.2%) | $196,819 (6.9%) | 0.00 | 70 |
2022-09-01 | $171,717 (19.3%) | $196,244 (7.5%) | 0.00 | 78 |
2022-10-01 | $149,900 (15.3%) | $186,063 (6.0%) | 0.00 | 70 |
2022-11-01 | $149,150 (2.9%) | $179,597 (2.7%) | 0.00 | 67 |
2022-12-01 | $139,900 (-2.5%) | $168,355 (-4.6%) | 0.00 | 60 |
2023-01-01 | $142,475 (1.2%) | $173,064 (-2.1%) | 0.00 | 57 |
2023-02-01 | $139,950 (1.8%) | $172,971 (2.6%) | 0.00 | 55 |
Big Stone Gap's median listing price comes in at 0% of the national average.
Big Stone Gap's average listing price for 2023-02-01 was $172,971, a difference of $4,374 (2.6%) versus the prior year and $-93 versus the prior month.
For the 2023-02-01 period, Big Stone Gap had 55 MLS listings, a difference of -2 listings (-4%) versus the prior month and -14 listings (-20%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - Big Stone Gap (CBSA) retrieved from FRED, Federal Reserve Bank of St. LouisDate | Median Listing Time on Market | Median Square Footage |
---|---|---|
2018-01-01 | 0 days | 1,718 sqft |
2018-02-01 | 0 days | 1,726 sqft |
2018-03-01 | 0 days | 1,706 sqft |
2018-04-01 | 0 days | 1,701 sqft |
2018-05-01 | 0 days | 1,703 sqft |
2018-06-01 | 0 days | 1,702 sqft |
2018-07-01 | 0 days | 1,701 sqft |
2018-08-01 | 0 days | 1,675 sqft |
2018-09-01 | 0 days | 1,680 sqft |
2018-10-01 | 0 days | 1,688 sqft |
2018-11-01 | 0 days | 1,678 sqft |
2018-12-01 | 0 days | 1,716 sqft |
2019-01-01 | 0 days | 1,675 sqft |
2019-02-01 | 0 days | 1,681 sqft |
2019-03-01 | 0 days | 1,705 sqft |
2019-04-01 | 0 days | 1,727 sqft |
2019-05-01 | 0 days | 1,734 sqft |
2019-06-01 | 0 days | 1,773 sqft |
2019-07-01 | 0 days | 1,815 sqft |
2019-08-01 | 0 days | 1,766 sqft |
2019-09-01 | 0 days | 1,700 sqft |
2019-10-01 | 0 days | 1,640 sqft |
2019-11-01 | 0 days | 1,664 sqft |
2019-12-01 | 0 days | 1,674 sqft |
2020-01-01 | 0 days | 1,657 sqft |
2020-02-01 | 0 days | 1,641 sqft |
2020-03-01 | 0 days | 1,649 sqft |
2020-04-01 | 0 days | 1,676 sqft |
2020-05-01 | 0 days | 1,672 sqft |
2020-06-01 | 0 days | 1,668 sqft |
2020-07-01 | 0 days | 1,656 sqft |
2020-08-01 | 0 days | 1,620 sqft |
2020-09-01 | 0 days | 1,633 sqft |
2020-10-01 | 0 days | 1,620 sqft |
2020-11-01 | 0 days | 1,712 sqft |
2020-12-01 | 0 days | 1,664 sqft |
2021-01-01 | 0 days | 1,646 sqft |
2021-02-01 | 0 days | 1,663 sqft |
2021-03-01 | 0 days | 1,762 sqft |
2021-04-01 | 0 days | 1,734 sqft |
2021-05-01 | 0 days | 1,715 sqft |
2021-06-01 | 0 days | 1,689 sqft |
2021-07-01 | 0 days | 1,728 sqft |
2021-08-01 | 0 days | 1,673 sqft |
2021-09-01 | 0 days | 1,635 sqft |
2021-10-01 | 0 days | 1,622 sqft |
2021-11-01 | 0 days | 1,583 sqft |
2021-12-01 | 0 days | 1,581 sqft |
2022-01-01 | 0 days | 1,580 sqft |
2022-02-01 | 0 days | 1,544 sqft |
2022-03-01 | 0 days | 1,541 sqft |
2022-04-01 | 0 days | 1,490 sqft |
2022-05-01 | 0 days | 1,553 sqft |
2022-06-01 | 0 days | 1,638 sqft |
2022-07-01 | 0 days | 1,748 sqft |
2022-08-01 | 0 days | 1,764 sqft |
2022-09-01 | 0 days | 1,800 sqft |
2022-10-01 | 0 days | 1,657 sqft |
2022-11-01 | 0 days | 1,623 sqft |
2022-12-01 | 0 days | 1,778 sqft |
2023-01-01 | 0 days | 1,706 sqft |
2023-02-01 | 0 days | 1,685 sqft |
Big Stone Gap's median square footage for active listings during the 2023-02-01 period was 1,685 sqft. One year prior, the average listing was 1,544 sqft.
Big Stone Gap, VA Market Loan Reason
Loan Purpose | Originations | Total Value | Average Loan |
---|---|---|---|
Home Purchase | 341 | $47,525,000 | $139,370 |
Refi | 151 | $19,975,000 | $132,285 |
Cash Out Refi | 110 | $12,840,000 | $116,727 |
Home Improvement | 20 | $1,200,000 | $60,000 |
Other | 18 | $1,170,000 | $65,000 |
Big Stone Gap's most frequently cited loan purpose was Home Purchase, with 341 originations. The 2nd most popular reason was Refi, with 151 originations.
Interest Rate Frequencies
Loan Rate | Originations | Total Value | Average Loan |
---|---|---|---|
3-4% | 190 | $26,690,000 | $140,474 |
2.5-3% | 153 | $22,415,000 | $146,503 |
4-5% | 92 | $10,930,000 | $118,804 |
<2.5% | 58 | $8,450,000 | $145,690 |
5-6% | 39 | $3,775,000 | $96,795 |
Over 8% | 12 | $640,000 | $53,333 |
6-7% | 11 | $1,055,000 | $95,909 |
7-8% | 6 | $590,000 | $98,333 |
During 2021, Big Stone Gap's most frequently originated rate bucket was 3-4%, with 190 originations.
Loan Sizing (Big Stone Gap, VA MSA)
Loan Size | Originations | Total Value | Average Loan |
---|---|---|---|
$100k-200k | 281 | $40,595,000 | $144,466 |
$100,000 or less | 271 | $17,845,000 | $65,849 |
$200k-400k | 83 | $21,715,000 | $261,627 |
$400k-600k | 4 | $1,840,000 | $460,000 |
$600k-1000k | 1 | $715,000 | $715,000 |
Big Stone Gap's loan sizing saw the bucket of loans from $100k-200k with 281 originations, totaling $40,595,000 in origination value.
LTV Distribution
Loan to Value | Originations | Total Value | Average Loan |
---|---|---|---|
80-100% | 288 | $41,020,000 | $142,431 |
60-80% | 170 | $22,600,000 | $132,941 |
40-60% | 43 | $3,865,000 | $89,884 |
20-40% | 23 | $1,455,000 | $63,261 |
Over 100% | 10 | $2,240,000 | $224,000 |
Under 20% | 6 | $210,000 | $35,000 |
Big Stone Gap's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 288 originations, totaling $41,020,000 in origination value.