Bradford Mortgage Rates & Closing Costs

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    • 30yr Fixed Rate 15yr Fixed Rate FHA USDA VA 5/1 ARM

    30 Year Fixed Rate mortgages in Bradford averaged 6.68% 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 6.79% and one month ago for the week of 2024-10-10, the average rate was 6.12%.

    Bradford's average rate one year ago was 7.7%.

    For refis of the same type during the week of 2024-11-14, the average rate was 6.78%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2024-11-14 6.78%
    Bradford 30 Year Fixed Rate 2024-11-14 6.68%
    Bradford 30 Year Fixed Rate Refi 2024-11-14 6.78%
    Bradford 15 Year Fixed Rate 2024-11-14 6.09%
    Bradford 15 Year Fixed Rate Refi 2024-11-14 6.49%
    Bradford 30 Year FHA 2024-11-14 -0.1%
    Bradford 30 Year FHA Refi 2024-11-14 -0.1%
    Bradford 30 Year USDA 2024-11-14 0%
    Bradford 30 Year USDA Refi 2024-11-14 0.2%
    Bradford 30 Year VA 2024-11-14 -0.1%
    Bradford 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 Bradford, PA.

    Bradford 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 Bradford, PA 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.).

    Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    Northwest Bank 24 6.52% $4,020
    QUICKEN LOANS, LLC 19 6.94% $5,786
    CNB Bank 9 6.81% $4,298
    GUARANTEED RATE, INC. 7 6.99% $4,765
    Citizens & Northern Bank 6 6.90% $4,574
    Community Bank 4 7.31% $602
    PNC Bank 3 6.96% $5,273
    Mortgage Research Center, LLC 3 6.67% $5,214
    Ally Bank 2 7.00% $2,695
    PENNSYLVANIA STATE EMPLOYEES Credit Union 2 6.88% $1,977
    MOVEMENT MORTGAGE, LLC 2 6.50% $5,668
    USAA Federal Savings Bank 2 6.19% $5,479
    U.S. Bank 2 7.38% $3,993
    Flagstar Bank, FSB 2 6.63% $5,624
    SUCCESS MORTGAGE PARTNERS, INC. 1 6.63% $5,174
    TIDEWATER MORTGAGE SERVICES, INC. 1 6.38% $4,824
    UNITED WHOLESALE MORTGAGE, LLC 1 7.99% $3,930
    AFFINITY 1 6.88% $5,436
    ZILLOW HOME LOANS, LLC 1 6.88% $5,570
    AMERICAN FINANCING CORPORATION 1 7.88% $6,999
    BETTER MORTGAGE CORPORATION 1 6.00% $5,198
    BROKER SOLUTIONS, INC. 1 7.50% $6,252
    CROSSCOUNTRY MORTGAGE, LLC 1 9.13% $6,911
    First Commonwealth Bank 1 6.13% $6,299
    HOWARD HANNA FINANCIAL SERVICES, INC. 1 6.63% $4,096
    Jersey Shore State Bank 1 6.25% $3,724
    Marquette Savings Bank 1 7.00% $3,343
    MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. 1 7.50% $7,043
    PENNYMAC LOAN SERVICES, LLC 1 6.13% $4,493
    PENTAGON FEDERAL CREDIT UNION 1 6.50% $4,181
    PRIMELENDING, A PLAINSCAPITAL COMPANY 1 6.38% $4,645
    RELIANCE FIRST CAPITAL, LLC 1 7.50% $2,436

    Bradford Average Closing Costs & Other Stats

    Bradford, PA's 32 lenders originated 384 loans during 2023. The total origination value was $49,790,000, with an average loan value of $129,661.

    Bradford's average closing costs are $4,611.

    The top Bradford lender as defined by loan originations is Northwest Bank, with 24 loans originated. Their average total fees are $4,020, which is $1,766 lower than the next largest lender, QUICKEN LOANS, LLC.

    The lowest fee Bradford lenders (with over 10 loans originated) are Northwest Bank ($4,020), QUICKEN LOANS, LLC ($5,786), .

    The lowest rate Bradford lenders (with over 10 loans originated) are Northwest Bank (6.52%), QUICKEN LOANS, LLC (6.94%), .

    Bradford, PA 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
    Northwest Bank $11,325,000 $16,280,000 43.8% 32.7%
    CNB Bank $10,210,000 $7,310,000 -28.4% 14.7%
    QUICKEN LOANS, LLC $6,235,000 $5,935,000 -4.8% 11.9%
    Citizens & Northern Bank $945,000 $2,370,000 150.8% 4.8%
    GUARANTEED RATE, INC. $1,890,000 n/a 3.8%
    PNC Bank $1,965,000 $1,440,000 -26.7% 2.9%
    Mortgage Research Center, LLC $2,340,000 $1,400,000 -40.2% 2.8%
    Community Bank $835,000 $740,000 -11.4% 1.5%
    The Juniata Valley Bank $2,450,000 $650,000 -73.5% 1.3%
    USAA Federal Savings Bank $465,000 $565,000 21.5% 1.1%
    MOVEMENT MORTGAGE, LLC $195,000 $540,000 176.9% 1.1%
    PRIMELENDING, A PLAINSCAPITAL COMPANY $475,000 n/a 1.0%
    CROSSCOUNTRY MORTGAGE, LLC $205,000 $470,000 129.3% 0.9%
    SUCCESS MORTGAGE PARTNERS, INC. $1,180,000 $430,000 -63.6% 0.9%
    NEWREZ LLC $425,000 n/a 0.9%
    Mr. Cooper ( Nationstar Mortgage ) $105,000 $370,000 252.4% 0.7%
    BROKER SOLUTIONS, INC. $590,000 $365,000 -38.1% 0.7%
    NEW DAY FINANCIAL, LLC $250,000 $350,000 40.0% 0.7%
    21ST MORTGAGE CORPORATION $280,000 $345,000 23.2% 0.7%
    PENTAGON FEDERAL CREDIT UNION $340,000 n/a 0.7%
    UNITED WHOLESALE MORTGAGE, LLC $735,000 $340,000 -53.7% 0.7%
    First Commonwealth Bank $305,000 $330,000 8.2% 0.7%
    Flagstar Bank, FSB $75,000 $330,000 340.0% 0.7%
    PENNSYLVANIA STATE EMPLOYEES Credit Union $765,000 $330,000 -56.9% 0.7%
    Ally Bank $325,000 n/a 0.7%
    AFFINITY $315,000 n/a 0.6%
    MID-ISLAND MORTGAGE CORP. $280,000 n/a 0.6%
    LOANDEPOT.COM, LLC $270,000 n/a 0.5%
    PLAZA HOME MORTGAGE, INC. $255,000 n/a 0.5%
    CALIBER HOME LOANS, INC. $245,000 n/a 0.5%
    PENNYMAC LOAN SERVICES, LLC $300,000 $240,000 -20.0% 0.5%
    MUTUAL OF OMAHA MORTGAGE, INC. $175,000 $230,000 31.4% 0.5%
    RELIANCE FIRST CAPITAL, LLC $75,000 $210,000 180.0% 0.4%
    Elderton State Bank $65,000 $185,000 184.6% 0.4%
    U.S. Bank $280,000 $185,000 -33.9% 0.4%
    Univest Bank and Trust Co. $175,000 n/a 0.4%
    Citizens Bank $445,000 $160,000 -64.0% 0.3%
    PRIMARY RESIDENTIAL MORTGAGE, INC. $145,000 n/a 0.3%
    RUOFF MORTGAGE COMPANY, INC. $135,000 n/a 0.3%
    PARAGON HOME LOANS INC. $130,000 n/a 0.3%
    ZILLOW HOME LOANS, LLC $125,000 n/a 0.3%
    TRUMARK FINANCIAL CREDIT UNION $15,000 $105,000 600.0% 0.2%
    MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. $95,000 n/a 0.2%
    GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION $85,000 n/a 0.2%
    HOWARD HANNA FINANCIAL SERVICES, INC. $160,000 $85,000 -46.9% 0.2%
    VAN DYK MORTGAGE CORPORATION $85,000 n/a 0.2%
    AMERICAN FINANCING CORPORATION $75,000 n/a 0.2%
    AMERISAVE MORTGAGE CORPORATION $695,000 $75,000 -89.2% 0.2%
    BETTER MORTGAGE CORPORATION $75,000 n/a 0.2%
    GTE Federal Credit Union $75,000 n/a 0.2%
    Coastal Community Bank $70,000 n/a 0.1%
    AmeriServ Financial Bank $65,000 n/a 0.1%
    LONGBRIDGE FINANCIAL, LLC $65,000 n/a 0.1%
    Marquette Savings Bank $65,000 n/a 0.1%
    Plains Commerce Bank $65,000 n/a 0.1%
    Jersey Shore State Bank $175,000 $60,000 -65.7% 0.1%
    First Columbia Bank & Trust Co. $55,000 n/a 0.1%
    GOLD Credit Union $55,000 n/a 0.1%
    TIDEWATER MORTGAGE SERVICES, INC. $135,000 $55,000 -59.3% 0.1%
    NAVY FEDERAL CREDIT UNION $270,000 $45,000 -83.3% 0.1%
    Clearview Federal Credit Union $35,000 n/a 0.1%

    Bradford's top lender by overall market share is Northwest Bank, with 32.7% market share. In second place, with 14.7%, is CNB Bank, having originated $7,310,000 in loans. In third place, with 11.9%, is QUICKEN LOANS, LLC, having originated $5,935,000 in loans. In fourth place, with 4.8%, is Citizens & Northern Bank, having originated $2,370,000 in loans. In fifth place, with 3.8%, is GUARANTEED RATE, INC., having originated $1,890,000 in loans.

    Bradford Housing Market Trends (Median, Average Prices & Listing Count)

    Realtor.com - Bradford (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 $79,900 (-11.0%) $112,702 (-13.5%) 0.00 175
    2018-02-01 $79,900 (-11.1%) $119,694 (0.4%) 0.00 177
    2018-03-01 $79,900 (-11.1%) $118,156 (-3.6%) 0.00 174
    2018-04-01 $82,225 (-13.4%) $119,630 (-5.6%) 0.00 186
    2018-05-01 $80,417 (-10.6%) $122,472 (-2.2%) 0.00 200
    2018-06-01 $88,250 (-1.6%) $130,545 (6.0%) 0.00 185
    2018-07-01 $95,325 (10.6%) $133,442 (10.9%) 0.00 193
    2018-08-01 $94,450 (11.2%) $133,663 (10.4%) 0.00 196
    2018-09-01 $88,750 (4.5%) $132,401 (6.7%) 0.00 201
    2018-10-01 $84,900 (0.0%) $129,332 (4.3%) 0.00 215
    2018-11-01 $84,100 (-0.4%) $126,947 (5.9%) 0.00 198
    2018-12-01 $80,000 (0.0%) $123,104 (5.1%) 0.00 192
    2019-01-01 $79,900 (0.0%) $120,403 (6.8%) 0.00 182
    2019-02-01 $79,825 (-0.1%) $118,598 (-0.9%) 0.00 175
    2019-03-01 $79,843 (-0.1%) $115,500 (-2.3%) 0.00 179
    2019-04-01 $79,900 (-2.8%) $111,237 (-7.0%) 0.00 179
    2019-05-01 $84,900 (5.6%) $113,346 (-7.5%) 0.00 194
    2019-06-01 $79,900 (-9.5%) $109,843 (-15.9%) 0.00 189
    2019-07-01 $82,850 (-13.1%) $113,650 (-14.8%) 0.00 194
    2019-08-01 $84,118 (-10.9%) $113,204 (-15.3%) 0.00 198
    2019-09-01 $81,745 (-7.9%) $112,523 (-15.0%) 0.00 201
    2019-10-01 $79,425 (-6.5%) $111,803 (-13.6%) 0.00 199
    2019-11-01 $77,900 (-7.4%) $107,780 (-15.1%) 0.00 194
    2019-12-01 $82,250 (2.8%) $106,977 (-13.1%) 0.00 180
    2020-01-01 $81,250 (1.7%) $104,920 (-12.9%) 0.00 171
    2020-02-01 $79,750 (-0.1%) $104,810 (-11.6%) 0.00 173
    2020-03-01 $85,925 (7.6%) $107,045 (-7.3%) 0.00 177
    2020-04-01 $84,900 (6.3%) $105,783 (-4.9%) 0.00 167
    2020-05-01 $82,450 (-2.9%) $105,032 (-7.3%) 0.00 163
    2020-06-01 $83,700 (4.8%) $106,262 (-3.3%) 0.00 157
    2020-07-01 $85,175 (2.8%) $109,735 (-3.5%) 0.00 149
    2020-08-01 $84,900 (0.9%) $115,404 (1.9%) 0.00 123
    2020-09-01 $84,225 (3.0%) $116,503 (3.5%) 0.00 113
    2020-10-01 $80,000 (0.7%) $120,357 (7.7%) 0.00 105
    2020-11-01 $81,200 (4.2%) $118,535 (10.0%) 0.00 95
    2020-12-01 $75,925 (-7.7%) $116,390 (8.8%) 0.00 82
    2021-01-01 $79,450 (-2.2%) $118,448 (12.9%) 0.00 71
    2021-02-01 $72,650 (-8.9%) $112,705 (7.5%) 0.00 59
    2021-03-01 $73,400 (-14.6%) $115,767 (8.2%) 0.00 48
    2021-04-01 $79,050 (-6.9%) $120,190 (13.6%) 0.00 46
    2021-05-01 $99,750 (21.0%) $136,801 (30.3%) 0.00 49
    2021-06-01 $97,300 (16.3%) $140,846 (32.6%) 0.00 61
    2021-07-01 $111,325 (30.7%) $152,092 (38.6%) 0.00 62
    2021-08-01 $122,463 (44.2%) $173,112 (50.0%) 0.00 63
    2021-09-01 $125,688 (49.2%) $175,463 (50.6%) 0.00 63
    2021-10-01 $122,950 (53.7%) $163,660 (36.0%) 0.00 70
    2021-11-01 $130,700 (61.0%) $175,964 (48.5%) 0.00 59
    2021-12-01 $126,950 (67.2%) $169,089 (45.3%) 0.00 61
    2022-01-01 $129,000 (62.4%) $177,114 (49.5%) 0.00 51
    2022-02-01 $139,450 (92.0%) $188,837 (67.6%) 0.00 46
    2022-03-01 $139,475 (90.0%) $176,995 (52.9%) 0.00 47
    2022-04-01 $127,400 (61.2%) $175,535 (46.1%) 0.00 47
    2022-05-01 $133,725 (34.1%) $172,846 (26.4%) 0.00 50
    2022-06-01 $131,175 (34.8%) $183,125 (30.0%) 0.00 54
    2022-07-01 $129,900 (16.7%) $193,838 (27.5%) 0.00 69
    2022-08-01 $135,650 (10.8%) $190,332 (10.0%) 0.00 73
    2022-09-01 $131,175 (4.4%) $181,452 (3.4%) 0.00 69
    2022-10-01 $132,450 (7.7%) $170,455 (4.2%) 0.00 77
    2022-11-01 $133,725 (2.3%) $165,913 (-5.7%) 0.00 71
    2022-12-01 $129,900 (2.3%) $158,892 (-6.0%) 0.00 64
    2023-01-01 $131,150 (1.7%) $151,105 (-14.7%) 0.00 62
    2023-02-01 $124,675 (-10.6%) $149,541 (-20.8%) 0.00 59
    2023-03-01 $130,000 (-6.8%) $154,148 (-12.9%) 0.00 58
    2023-04-01 $154,500 (21.3%) $185,641 (5.8%) 0.00 54
    2023-05-01 $164,750 (23.2%) $178,284 (3.2%) 0.00 63
    2023-06-01 $161,250 (22.9%) $173,817 (-5.1%) 0.00 65
    2023-07-01 $149,450 (15.1%) $190,927 (-1.5%) 0.00 56
    2023-08-01 $144,950 (6.9%) $192,441 (1.1%) 0.00 59
    2023-09-01 $142,400 (8.6%) $183,228 (1.0%) 0.00 58
    2023-10-01 $147,250 (11.2%) $187,889 (10.2%) 0.00 65
    2023-11-01 $154,250 (15.4%) $189,525 (14.2%) 0.00 65
    2023-12-01 $159,000 (22.4%) $187,586 (18.1%) 0.00 68
    2024-01-01 $175,000 (33.4%) $202,333 (33.9%) 0.00 58
    2024-02-01 $181,000 (45.2%) $196,443 (31.4%) 0.00 50
    2024-03-01 $169,000 (30.0%) $187,270 (21.5%) 0.00 48
    2024-04-01 $166,475 (7.8%) $192,879 (3.9%) 0.00 43
    2024-05-01 $164,925 (0.1%) $184,176 (3.3%) 0.00 45
    2024-06-01 $162,500 (0.8%) $186,015 (7.0%) 0.00 52
    2024-07-01 $159,900 (7.0%) $188,337 (-1.4%) 0.00 67
    2024-08-01 $159,900 (10.3%) $183,398 (-4.7%) 0.00 67
    2024-09-01 $166,150 (16.7%) $187,193 (2.2%) 0.00 79
    2024-10-01 $167,400 (13.7%) $206,537 (9.9%) 0.00 86
    Bradford's median listing price for 2024-10-01 was $167,400, a difference of $20,150 (13.7%) versus the prior year and $1,250 versus the prior month.

    Bradford's median listing price comes in at 0% of the national average.

    Bradford's average listing price for 2024-10-01 was $206,537, a difference of $18,648 (9.9%) versus the prior year and $19,344 versus the prior month.

    For the 2024-10-01 period, Bradford had 86 MLS listings, a difference of 7 listings (9%) versus the prior month and 21 listings (32%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Bradford (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,600 sqft
    2018-02-01 0 days 1,600 sqft
    2018-03-01 0 days 1,600 sqft
    2018-04-01 0 days 1,619 sqft
    2018-05-01 0 days 1,636 sqft
    2018-06-01 0 days 1,654 sqft
    2018-07-01 0 days 1,652 sqft
    2018-08-01 0 days 1,613 sqft
    2018-09-01 0 days 1,572 sqft
    2018-10-01 0 days 1,552 sqft
    2018-11-01 0 days 1,524 sqft
    2018-12-01 0 days 1,508 sqft
    2019-01-01 0 days 1,504 sqft
    2019-02-01 0 days 1,504 sqft
    2019-03-01 0 days 1,507 sqft
    2019-04-01 0 days 1,507 sqft
    2019-05-01 0 days 1,526 sqft
    2019-06-01 0 days 1,535 sqft
    2019-07-01 0 days 1,600 sqft
    2019-08-01 0 days 1,615 sqft
    2019-09-01 0 days 1,606 sqft
    2019-10-01 0 days 1,601 sqft
    2019-11-01 0 days 1,568 sqft
    2019-12-01 0 days 1,567 sqft
    2020-01-01 0 days 1,544 sqft
    2020-02-01 0 days 1,524 sqft
    2020-03-01 0 days 1,555 sqft
    2020-04-01 0 days 1,562 sqft
    2020-05-01 0 days 1,564 sqft
    2020-06-01 0 days 1,552 sqft
    2020-07-01 0 days 1,558 sqft
    2020-08-01 0 days 1,564 sqft
    2020-09-01 0 days 1,547 sqft
    2020-10-01 0 days 1,556 sqft
    2020-11-01 0 days 1,520 sqft
    2020-12-01 0 days 1,548 sqft
    2021-01-01 0 days 1,544 sqft
    2021-02-01 0 days 1,538 sqft
    2021-03-01 0 days 1,540 sqft
    2021-04-01 0 days 1,672 sqft
    2021-05-01 0 days 1,756 sqft
    2021-06-01 0 days 1,557 sqft
    2021-07-01 0 days 1,716 sqft
    2021-08-01 0 days 1,737 sqft
    2021-09-01 0 days 1,792 sqft
    2021-10-01 0 days 1,776 sqft
    2021-11-01 0 days 1,817 sqft
    2021-12-01 0 days 1,697 sqft
    2022-01-01 0 days 1,698 sqft
    2022-02-01 0 days 1,792 sqft
    2022-03-01 0 days 1,790 sqft
    2022-04-01 0 days 1,798 sqft
    2022-05-01 0 days 1,726 sqft
    2022-06-01 0 days 1,654 sqft
    2022-07-01 0 days 1,695 sqft
    2022-08-01 0 days 1,695 sqft
    2022-09-01 0 days 1,565 sqft
    2022-10-01 0 days 1,561 sqft
    2022-11-01 0 days 1,553 sqft
    2022-12-01 0 days 1,567 sqft
    2023-01-01 0 days 1,565 sqft
    2023-02-01 0 days 1,570 sqft
    2023-03-01 0 days 1,640 sqft
    2023-04-01 0 days 1,794 sqft
    2023-05-01 0 days 1,778 sqft
    2023-06-01 0 days 1,794 sqft
    2023-07-01 0 days 1,800 sqft
    2023-08-01 0 days 1,728 sqft
    2023-09-01 0 days 1,581 sqft
    2023-10-01 0 days 1,648 sqft
    2023-11-01 0 days 1,688 sqft
    2023-12-01 0 days 1,832 sqft
    2024-01-01 0 days 1,965 sqft
    2024-02-01 0 days 1,936 sqft
    2024-03-01 0 days 1,898 sqft
    2024-04-01 0 days 1,548 sqft
    2024-05-01 0 days 1,535 sqft
    2024-06-01 0 days 1,576 sqft
    2024-07-01 0 days 1,546 sqft
    2024-08-01 0 days 1,552 sqft
    2024-09-01 0 days 1,544 sqft
    2024-10-01 0 days 1,549 sqft
    Bradford's median listing age (time on market) for 2024-10-01 was 0 days.

    Bradford's median square footage for active listings during the 2024-10-01 period was 1,549 sqft. One year prior, the average listing was 1,648 sqft.

    Bradford, PA Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 217 $26,975,000 $124,309
    Home Improvement 62 $11,760,000 $189,677
    Other 44 $2,590,000 $58,864
    Cash Out Refi 40 $4,450,000 $111,250
    Refi 21 $4,015,000 $191,190

    Bradford's most frequently cited loan purpose was Home Purchase, with 217 originations. The 2nd most popular reason was Home Improvement, with 62 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    6-7% 131 $17,775,000 $135,687
    7-8% 107 $11,175,000 $104,439
    Over 8% 64 $4,500,000 $70,313
    5-6% 58 $14,210,000 $245,000
    <2.5% 5 $215,000 $43,000
    4-5% 5 $805,000 $161,000
    3-4% 2 $100,000 $50,000
    2.5-3% 1 $55,000 $55,000

    During 2023, Bradford's most frequently originated rate bucket was 6-7%, with 131 originations.

    Loan Sizing (Bradford, PA MSA)

    Loan Size Originations Total Value Average Loan
    $100,000 or less 220 $12,400,000 $56,364
    $100k-200k 130 $18,010,000 $138,538
    $200k-400k 30 $7,770,000 $259,000
    $400k-600k 2 $880,000 $440,000
    $Over $1MM 2 $10,730,000 $5,365,000

    Bradford's loan sizing saw the bucket of loans from $100,000 or less with 220 originations, totaling $12,400,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 180 $22,980,000 $127,667
    20-40% 65 $3,535,000 $54,385
    60-80% 64 $9,910,000 $154,844
    40-60% 37 $3,095,000 $83,649
    Under 20% 25 $625,000 $25,000
    Over 100% 2 $8,690,000 $4,345,000

    Bradford's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 180 originations, totaling $22,980,000 in origination value.