Brookings 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 Brookings averaged 6.7% for the week of 2023-03-23, compared to the national average of 6.42% for the same period.

    The average rate for the prior week (2023-03-16) was 6.48% and one month ago for the week of 2023-02-16, the average rate was 6.4%.

    Brookings's average rate one year ago was 3.62%.

    For refis of the same type during the week of 2023-03-23, the average rate was 6.49%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2023-03-23 6.42%
    Brookings 30 Year Fixed Rate 2023-03-23 6.7%
    Brookings 30 Year Fixed Rate Refi 2023-03-23 6.49%
    Brookings 15 Year Fixed Rate 2023-03-23 6.84%
    Brookings 15 Year Fixed Rate Refi 2023-03-23 6.16%
    Brookings 30 Year FHA 2023-03-23 5.98%
    Brookings 30 Year FHA Refi 2023-03-23 5.98%
    Brookings 30 Year USDA 2023-03-23 5.96%
    Brookings 30 Year USDA Refi 2023-03-23 6.08%
    Brookings 30 Year VA 2023-03-23 5.97%
    Brookings 30 Year VA Refi 2023-03-23 5.73%
    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Brookings, SD.

    Brookings 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 Brookings, SD 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 2022 Avg. 30yFix Rate 2022 Avg. Closing Costs
    First Bank & Trust 81 4.78% $5,135
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 32 5.25% $3,608
    Plains Commerce Bank 16 5.06% $5,680
    Wells Fargo Bank 9 4.83% $5,227
    QUICKEN LOANS, LLC 8 4.37% $7,702
    Central Bank 8 4.20% $4,099
    First PREMIER Bank 8 4.89% $4,019
    First Interstate Bank 8 5.36% $3,746
    Dacotah Bank 7 4.64% $3,720
    First Dakota National Bank 5 4.30% $3,087
    U.S. Bank 3 5.04% $2,733
    American Bank & Trust 3 4.21% $4,316
    BLACK HILLS FEDERAL CREDIT UNION 3 2.67% $5,070
    Flagstar Bank, FSB 2 3.75% $3,317
    Arvest Bank 2 4.38% $4,840
    Bank of America 2 3.75% $5,222
    Great Western Bank 2 3.94% $2,423
    Mr. Cooper ( Nationstar Mortgage ) 2 5.68% $9,933
    Reliabank Dakota 2 5.13% $7,136
    First International Bank & Trust 1 5.50% $3,676
    CORTRUST MORTGAGE, INC. 1 4.88% $4,596
    First National Bank 1 5.25% $3,565
    COMPEER FINANCIAL, FLCA 1 6.63% $3,613
    CHURCHILL MORTGAGE CORPORATION 1 5.38% $7,393
    Flanagan State Bank 1 3.75% $4,380
    Gate City Bank 1 3.50% $7,416
    Union State Bank of Fargo 1 3.50% $4,619
    GUARANTEED RATE, INC. 1 3.75% $3,424
    GUARANTY HOME MORTGAGE CORPORATION 1 7.50% $4,811
    GUILD MORTGAGE COMPANY 1 3.38% $5,239
    Heritage Bank 1 4.38% $8,723
    JPMorgan Chase Bank 1 5.13% $3,294
    ARIZONA 1 7.88% $6,308
    NAVY FEDERAL CREDIT UNION 1 4.25% $2,102
    North American Savings Bank, F.S.B. 1 5.13% $1,949
    BETTER MORTGAGE CORPORATION 1 6.50% $1,524
    BANKWEST, INC. 1 4.38% $5,922
    RBC Bank, (Georgia) 1 5.25% $1,711
    American Mortgage & Equity Consultants, Inc. 1 5.88% $4,219
    SIRVA MORTGAGE, INC. 1 4.50% $2,124
    Summit Mortgage Corporation 1 3.88% $3,306
    The First National Bank in Sioux Falls 1 5.00% $2,152
    THRIVENT Federal Credit Union 1 2.63% $5,277
    Farm Credit Mid-America, ACA 1 6.00% $5,144
    CU MORTGAGE DIRECT, LLC 1 6.38% $2,484
    CROSSCOUNTRY MORTGAGE, LLC 1 6.99% $7,044

    Brookings Average Closing Costs & Other Stats

    Brookings, SD's 46 lenders originated 540 loans during 2022. The total origination value was $128,540,000, with an average loan value of $238,037.

    Brookings's average closing costs are $4,476.

    The top Brookings lender as defined by loan originations is First Bank & Trust, with 81 loans originated. Their average total fees are $5,135, which is $1,527 higher than the next largest lender, FAIRWAY INDEPENDENT MORTGAGE CORPORATION.

    The lowest fee Brookings lenders (with over 10 loans originated) are FAIRWAY INDEPENDENT MORTGAGE CORPORATION ($3,608), First Bank & Trust ($5,135), Plains Commerce Bank ($5,680), .

    The lowest rate Brookings lenders (with over 10 loans originated) are First Bank & Trust (4.78%), Plains Commerce Bank (5.06%), FAIRWAY INDEPENDENT MORTGAGE CORPORATION (5.25%), .

    Brookings, SD 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
    First Bank & Trust $74,825,000 $42,055,000 -43.8% 32.7%
    First International Bank & Trust $1,035,000 $14,655,000 1,315.9% 11.4%
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION $23,160,000 $11,235,000 -51.5% 8.7%
    Plains Commerce Bank $12,520,000 $6,775,000 -45.9% 5.3%
    First PREMIER Bank $2,795,000 $4,305,000 54.0% 3.3%
    QUICKEN LOANS, LLC $10,865,000 $4,270,000 -60.7% 3.3%
    Dacotah Bank $9,335,000 $4,130,000 -55.8% 3.2%
    Central Bank $5,935,000 $4,085,000 -31.2% 3.2%
    First Interstate Bank $3,690,000 n/a 2.9%
    Mortgage Research Center, LLC $2,705,000 $3,520,000 30.1% 2.7%
    Wells Fargo Bank $5,015,000 $2,895,000 -42.3% 2.3%
    First Dakota National Bank $1,470,000 $1,880,000 27.9% 1.5%
    Reliabank Dakota $1,120,000 $1,615,000 44.2% 1.3%
    American Bank & Trust $6,035,000 $1,240,000 -79.5% 1.0%
    The First National Bank in Sioux Falls $2,570,000 $1,055,000 -58.9% 0.8%
    GUARANTEED RATE, INC. $1,930,000 $850,000 -56.0% 0.7%
    NAVY FEDERAL CREDIT UNION $1,060,000 $835,000 -21.2% 0.6%
    Heritage Bank $570,000 $820,000 43.9% 0.6%
    BANKWEST, INC. $1,295,000 $810,000 -37.5% 0.6%
    MUTUAL OF OMAHA MORTGAGE, INC. $215,000 $760,000 253.5% 0.6%
    BLACK HILLS FEDERAL CREDIT UNION $630,000 $755,000 19.8% 0.6%
    Servion, Inc. $1,325,000 $715,000 -46.0% 0.6%
    U.S. Bank $1,575,000 $710,000 -54.9% 0.6%
    Flanagan State Bank $2,860,000 $695,000 -75.7% 0.5%
    AgCountry Farm Credit Services, FLCA $645,000 n/a 0.5%
    CROSSCOUNTRY MORTGAGE, LLC $1,445,000 $550,000 -61.9% 0.4%
    AMERISAVE MORTGAGE CORPORATION $705,000 $545,000 -22.7% 0.4%
    CHURCHILL MORTGAGE CORPORATION $1,495,000 $530,000 -64.5% 0.4%
    Flagstar Bank, FSB $245,000 $480,000 95.9% 0.4%
    Arvest Bank $470,000 n/a 0.4%
    FINANCE OF AMERICA MORTGAGE LLC $455,000 n/a 0.4%
    American Mortgage & Equity Consultants, Inc. $175,000 $445,000 154.3% 0.3%
    Gate City Bank $390,000 $425,000 9.0% 0.3%
    SOUTHPOINT FINANCIAL $315,000 $420,000 33.3% 0.3%
    LOANDEPOT.COM, LLC $1,055,000 $415,000 -60.7% 0.3%
    GUILD MORTGAGE COMPANY $265,000 $395,000 49.1% 0.3%
    JPMorgan Chase Bank $385,000 n/a 0.3%
    Bank of America $380,000 $370,000 -2.6% 0.3%
    RBC Bank, (Georgia) $355,000 n/a 0.3%
    Mr. Cooper ( Nationstar Mortgage ) $170,000 $350,000 105.9% 0.3%
    CU MORTGAGE DIRECT, LLC $1,280,000 $340,000 -73.4% 0.3%
    Great Western Bank $12,910,000 $300,000 -97.7% 0.2%
    AMERICAN INTERNET MORTGAGE, INC. $295,000 n/a 0.2%
    BETTER MORTGAGE CORPORATION $915,000 $285,000 -68.9% 0.2%
    DAS Acquisition Company, LLC $285,000 n/a 0.2%
    Frontier Bank $280,000 n/a 0.2%
    North American Savings Bank, F.S.B. $255,000 $255,000 0.0% 0.2%
    THRIVENT Federal Credit Union $615,000 $245,000 -60.2% 0.2%
    21ST MORTGAGE CORPORATION $205,000 $240,000 17.1% 0.2%
    Bank of England $235,000 n/a 0.2%
    LAND HOME FINANCIAL SERVICES, INC. $235,000 n/a 0.2%
    Union State Bank of Fargo $225,000 n/a 0.2%
    Farm Credit Mid-America, ACA $1,825,000 $215,000 -88.2% 0.2%
    FREEDOM MORTGAGE CORPORATION $2,115,000 $215,000 -89.8% 0.2%
    GUARANTY HOME MORTGAGE CORPORATION $215,000 n/a 0.2%
    Security National Bank of South Dakota $215,000 n/a 0.2%
    UNITED WHOLESALE MORTGAGE, LLC $350,000 $215,000 -38.6% 0.2%
    Bank Midwest $420,000 $195,000 -53.6% 0.2%
    COMPEER FINANCIAL, FLCA $195,000 n/a 0.2%
    LAKEVIEW LOAN SERVICING, LLC $1,945,000 $195,000 -90.0% 0.2%
    PLANET HOME LENDING, LLC $195,000 n/a 0.2%
    Summit Mortgage Corporation $175,000 $195,000 11.4% 0.2%
    CORTRUST MORTGAGE, INC. $540,000 $185,000 -65.7% 0.1%
    ARIZONA $175,000 n/a 0.1%
    SIRVA MORTGAGE, INC. $465,000 $165,000 -64.5% 0.1%
    SERVICE FIRST FEDERAL CREDIT UNION $155,000 n/a 0.1%
    First National Bank $135,000 n/a 0.1%
    Stifel Bank and Trust $135,000 n/a 0.1%
    NOVATION CREDIT UNION $130,000 n/a 0.1%
    LIBERTY HOME MORTGAGE CORPORATION $115,000 n/a 0.1%
    VILLAGE CAPITAL MORTGAGE $380,000 $115,000 -69.7% 0.1%
    Baxter Credit Union $105,000 n/a 0.1%
    SIOUX EMPIRE $95,000 n/a 0.1%
    CorTrust Bank $155,000 $55,000 -64.5% 0.0%
    HIWAY $55,000 n/a 0.0%
    SIOUX FALLS $1,555,000 $35,000 -97.7% 0.0%
    Figure Lending LLC $25,000 n/a 0.0%

    Brookings's top lender by overall market share is First Bank & Trust, with 32.7% market share. In second place, with 11.4%, is First International Bank & Trust, having originated $14,655,000 in loans. In third place, with 8.7%, is FAIRWAY INDEPENDENT MORTGAGE CORPORATION, having originated $11,235,000 in loans. In fourth place, with 5.3%, is Plains Commerce Bank, having originated $6,775,000 in loans. In fifth place, with 3.3%, is First PREMIER Bank, having originated $4,305,000 in loans.

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

    Realtor.com - Brookings (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 $206,168 (-68.3%) $223,932 (-65.5%) 0.00 93
    2018-02-01 $206,425 (-58.1%) $238,245 (-51.6%) 0.00 92
    2018-03-01 $219,400 (-46.0%) $243,479 (-42.4%) 0.00 102
    2018-04-01 $224,900 (-30.8%) $240,795 (-24.3%) 0.00 110
    2018-05-01 $221,950 (-40.0%) $245,030 (-32.5%) 0.00 118
    2018-06-01 $215,643 (-40.9%) $236,494 (-32.1%) 0.00 130
    2018-07-01 $217,071 (-6.7%) $242,722 (-12.6%) 0.00 142
    2018-08-01 $215,271 (4.8%) $249,605 (7.3%) 0.00 141
    2018-09-01 $212,400 (5.7%) $249,629 (8.1%) 0.00 144
    2018-10-01 $217,400 (8.5%) $248,196 (4.6%) 0.00 140
    2018-11-01 $223,725 (4.4%) $255,047 (7.7%) 0.00 131
    2018-12-01 $224,000 (3.8%) $265,413 (13.6%) 0.00 110
    2019-01-01 $231,150 (12.1%) $266,075 (18.8%) 0.00 87
    2019-02-01 $237,400 (15.0%) $276,727 (16.2%) 0.00 81
    2019-03-01 $241,186 (9.9%) $283,522 (16.5%) 0.00 82
    2019-04-01 $243,900 (8.5%) $288,677 (19.9%) 0.00 82
    2019-05-01 $260,900 (17.6%) $297,059 (21.2%) 0.00 86
    2019-06-01 $266,400 (23.5%) $295,794 (25.1%) 0.00 103
    2019-07-01 $257,650 (18.7%) $288,405 (18.8%) 0.00 113
    2019-08-01 $265,109 (23.2%) $292,957 (17.4%) 0.00 113
    2019-09-01 $258,523 (21.7%) $290,183 (16.3%) 0.00 111
    2019-10-01 $254,132 (16.9%) $288,334 (16.2%) 0.00 107
    2019-11-01 $253,400 (13.3%) $284,761 (11.7%) 0.00 99
    2019-12-01 $249,900 (11.6%) $284,943 (7.4%) 0.00 88
    2020-01-01 $244,578 (5.8%) $266,993 (0.4%) 0.00 79
    2020-02-01 $246,900 (4.0%) $271,782 (-1.8%) 0.00 78
    2020-03-01 $266,400 (10.5%) $290,447 (2.4%) 0.00 77
    2020-04-01 $276,150 (13.2%) $298,740 (3.5%) 0.00 89
    2020-05-01 $299,200 (14.7%) $299,601 (0.9%) 0.00 90
    2020-06-01 $292,150 (9.7%) $300,042 (1.4%) 0.00 100
    2020-07-01 $299,400 (16.2%) $311,555 (8.0%) 0.00 90
    2020-08-01 $269,900 (1.8%) $284,257 (-3.0%) 0.00 77
    2020-09-01 $269,900 (4.4%) $289,548 (-0.2%) 0.00 73
    2020-10-01 $274,900 (8.2%) $317,530 (10.1%) 0.00 51
    2020-11-01 $267,650 (5.6%) $310,097 (8.9%) 0.00 46
    2020-12-01 $274,200 (9.7%) $320,338 (12.4%) 0.00 40
    2021-01-01 $309,900 (26.7%) $332,424 (24.5%) 0.00 32
    2021-02-01 $301,150 (22.0%) $342,975 (26.2%) 0.00 31
    2021-03-01 $296,150 (11.2%) $363,195 (25.1%) 0.00 33
    2021-04-01 $289,400 (4.8%) $302,007 (1.1%) 0.00 29
    2021-05-01 $288,900 (-3.4%) $294,595 (-1.7%) 0.00 35
    2021-06-01 $299,900 (2.7%) $369,477 (23.1%) 0.00 44
    2021-07-01 $294,900 (-1.5%) $372,435 (19.5%) 0.00 35
    2021-08-01 $276,400 (2.4%) $368,401 (29.6%) 0.00 36
    2021-09-01 $287,650 (6.6%) $366,796 (26.7%) 0.00 35
    2021-10-01 $296,900 (8.0%) $361,430 (13.8%) 0.00 47
    2021-11-01 $297,900 (11.3%) $372,253 (20.0%) 0.00 40
    2021-12-01 $313,450 (14.3%) $394,624 (23.2%) 0.00 34
    2022-01-01 $328,400 (6.0%) $354,478 (6.6%) 0.00 27
    2022-02-01 $321,150 (6.6%) $325,500 (-5.1%) 0.00 30
    2022-03-01 $325,400 (9.9%) $333,758 (-8.1%) 0.00 34
    2022-04-01 $322,400 (11.4%) $332,796 (10.2%) 0.00 35
    2022-05-01 $324,650 (12.4%) $338,758 (15.0%) 0.00 34
    2022-06-01 $326,800 (9.0%) $357,960 (-3.1%) 0.00 39
    2022-07-01 $328,900 (11.5%) $377,939 (1.5%) 0.00 38
    2022-08-01 $328,900 (19.0%) $379,446 (3.0%) 0.00 42
    2022-09-01 $343,000 (19.2%) $377,757 (3.0%) 0.00 43
    2022-10-01 $349,900 (17.9%) $407,380 (12.7%) 0.00 47
    2022-11-01 $346,700 (16.4%) $413,173 (11.0%) 0.00 43
    2022-12-01 $349,400 (11.5%) $410,436 (4.0%) 0.00 38
    2023-01-01 $373,050 (13.6%) $396,429 (11.8%) 0.00 34
    2023-02-01 $375,550 (16.9%) $390,265 (19.9%) 0.00 32
    Brookings's median listing price for 2023-02-01 was $375,550, a difference of $54,400 (16.9%) versus the prior year and $2,500 versus the prior month.

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

    Brookings's average listing price for 2023-02-01 was $390,265, a difference of $64,765 (19.9%) versus the prior year and $-6,164 versus the prior month.

    For the 2023-02-01 period, Brookings had 32 MLS listings, a difference of -2 listings (-6%) versus the prior month and 2 listings (7%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Brookings (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,280 sqft
    2018-02-01 0 days 1,297 sqft
    2018-03-01 0 days 1,328 sqft
    2018-04-01 0 days 1,336 sqft
    2018-05-01 0 days 1,344 sqft
    2018-06-01 0 days 1,344 sqft
    2018-07-01 0 days 1,354 sqft
    2018-08-01 0 days 1,364 sqft
    2018-09-01 0 days 1,354 sqft
    2018-10-01 0 days 1,349 sqft
    2018-11-01 0 days 1,347 sqft
    2018-12-01 0 days 1,375 sqft
    2019-01-01 0 days 1,375 sqft
    2019-02-01 0 days 1,395 sqft
    2019-03-01 0 days 1,421 sqft
    2019-04-01 0 days 1,430 sqft
    2019-05-01 0 days 1,437 sqft
    2019-06-01 0 days 1,495 sqft
    2019-07-01 0 days 1,487 sqft
    2019-08-01 0 days 1,484 sqft
    2019-09-01 0 days 1,468 sqft
    2019-10-01 0 days 1,458 sqft
    2019-11-01 0 days 1,426 sqft
    2019-12-01 0 days 1,441 sqft
    2020-01-01 0 days 1,376 sqft
    2020-02-01 0 days 1,379 sqft
    2020-03-01 0 days 1,417 sqft
    2020-04-01 0 days 1,477 sqft
    2020-05-01 0 days 1,478 sqft
    2020-06-01 0 days 1,493 sqft
    2020-07-01 0 days 1,528 sqft
    2020-08-01 0 days 1,523 sqft
    2020-09-01 0 days 1,501 sqft
    2020-10-01 0 days 1,586 sqft
    2020-11-01 0 days 1,515 sqft
    2020-12-01 0 days 1,513 sqft
    2021-01-01 0 days 1,679 sqft
    2021-02-01 0 days 1,531 sqft
    2021-03-01 0 days 1,562 sqft
    2021-04-01 0 days 1,494 sqft
    2021-05-01 0 days 1,358 sqft
    2021-06-01 0 days 1,516 sqft
    2021-07-01 0 days 1,494 sqft
    2021-08-01 0 days 1,508 sqft
    2021-09-01 0 days 1,573 sqft
    2021-10-01 0 days 1,510 sqft
    2021-11-01 0 days 1,571 sqft
    2021-12-01 0 days 1,560 sqft
    2022-01-01 0 days 1,573 sqft
    2022-02-01 0 days 1,500 sqft
    2022-03-01 0 days 1,448 sqft
    2022-04-01 0 days 1,450 sqft
    2022-05-01 0 days 1,448 sqft
    2022-06-01 0 days 1,511 sqft
    2022-07-01 0 days 1,485 sqft
    2022-08-01 0 days 1,464 sqft
    2022-09-01 0 days 1,553 sqft
    2022-10-01 0 days 1,671 sqft
    2022-11-01 0 days 1,553 sqft
    2022-12-01 0 days 1,629 sqft
    2023-01-01 0 days 1,629 sqft
    2023-02-01 0 days 1,586 sqft
    Brookings's median listing age (time on market) for 2023-02-01 was 0 days.

    Brookings's median square footage for active listings during the 2023-02-01 period was 1,586 sqft. One year prior, the average listing was 1,500 sqft.

    Brookings, SD Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 324 $98,750,000 $304,784
    Refi 74 $11,140,000 $150,541
    Home Improvement 55 $3,375,000 $61,364
    Cash Out Refi 47 $11,245,000 $239,255
    Other 40 $4,030,000 $100,750

    Brookings's most frequently cited loan purpose was Home Purchase, with 324 originations. The 2nd most popular reason was Refi, with 74 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    5-6% 143 $32,975,000 $230,594
    3-4% 133 $31,605,000 $237,632
    4-5% 127 $39,525,000 $311,220
    6-7% 71 $13,025,000 $183,451
    7-8% 24 $3,420,000 $142,500
    2.5-3% 19 $4,625,000 $243,421
    Over 8% 10 $800,000 $80,000
    <2.5% 7 $1,625,000 $232,143

    During 2022, Brookings's most frequently originated rate bucket was 5-6%, with 143 originations.

    Loan Sizing (Brookings, SD MSA)

    Loan Size Originations Total Value Average Loan
    $200k-400k 203 $56,365,000 $277,660
    $100k-200k 162 $24,550,000 $151,543
    $100,000 or less 126 $6,310,000 $50,079
    $400k-600k 35 $16,395,000 $468,429
    $600k-1000k 11 $7,665,000 $696,818
    $Over $1MM 3 $17,255,000 $5,751,667

    Brookings's loan sizing saw the bucket of loans from $200k-400k with 203 originations, totaling $56,365,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 184 $52,700,000 $286,413
    60-80% 152 $53,280,000 $350,526
    20-40% 68 $7,730,000 $113,676
    Under 20% 68 $2,720,000 $40,000
    40-60% 49 $8,825,000 $180,102
    Over 100% 7 $1,885,000 $269,286

    Brookings's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 184 originations, totaling $52,700,000 in origination value.