Effingham 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 Effingham averaged 6.48% for the week of 2023-05-25, compared to the national average of 6.57% for the same period.

    The average rate for the prior week (2023-05-18) was 5.9% and one month ago for the week of 2023-04-20, the average rate was 6.2%.

    Effingham's average rate one year ago was 4.96%.

    For refis of the same type during the week of 2023-05-25, the average rate was 7.17%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2023-05-25 6.57%
    Effingham 30 Year Fixed Rate 2023-05-25 6.48%
    Effingham 30 Year Fixed Rate Refi 2023-05-25 7.17%
    Effingham 15 Year Fixed Rate 2023-05-25 6.17%
    Effingham 15 Year Fixed Rate Refi 2023-05-25 6.07%
    Effingham 30 Year FHA 2023-05-25 6.41%
    Effingham 30 Year FHA Refi 2023-05-25 6.61%
    Effingham 30 Year USDA 2023-05-25 6.73%
    Effingham 30 Year USDA Refi 2023-05-25 6.73%
    Effingham 30 Year VA 2023-05-25 6.61%
    Effingham 30 Year VA Refi 2023-05-25 6.61%
    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Effingham, IL.

    Effingham 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 Effingham, IL 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
    Dieterich Bank 64 4.59% $1,996
    Midland States Bank 19 5.47% $4,346
    Petefish, Skiles & Co. 13 5.10% $3,131
    GUARANTEED RATE, INC. 13 5.05% $4,121
    First National Bank of Waterloo 11 4.06% $1,404
    Fifth Third Bank 7 4.35% $3,643
    QUICKEN LOANS, LLC 7 5.50% $6,018
    BROKER SOLUTIONS, INC. 4 5.53% $3,797
    Farm Credit Mid-America, ACA 4 5.31% $6,047
    First Mid Bank & Trust 4 6.03% $1,984
    AMERISAVE MORTGAGE CORPORATION 3 4.25% $8,323
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 3 5.88% $3,211
    CROSSCOUNTRY MORTGAGE, LLC 2 6.66% $4,542
    Bank of Hillsboro 2 6.13% $3,198
    Bank of Springfield 2 6.45% $2,253
    Flagstar Bank, FSB 2 3.39% $4,122
    HOMESIDE FINANCIAL, LLC 2 6.44% $5,647
    JPMorgan Chase Bank 2 4.43% $2,938
    LOANDEPOT.COM, LLC 2 5.81% $5,366
    NAVY FEDERAL CREDIT UNION 2 4.00% $2,272
    Old National Bank 2 4.81% $5,726
    Town & Country Banc Mortgage Services, Inc. 2 5.54% $2,048
    Wells Fargo Bank 2 5.25% $1,716
    Associated Bank 1 3.88% $8,071
    Ixonia Bank 1 3.38% $2,824
    Regions Bank 1 5.13% $6,449
    KeyBank 1 4.88% $4,531
    LAKEVIEW LOAN SERVICING, LLC 1 4.50% $3,157
    SOFI LENDING CORP. 1 3.38% $4,158
    Merchants Bank of Indiana 1 5.99% $2,483
    Citibank 1 3.88% $16,814
    Mortgage Research Center, LLC 1 4.38% $4,697
    Mr. Cooper ( Nationstar Mortgage ) 1 5.38% $6,725
    VANDERBILT MORTGAGE AND FINANCE, INC. 1 7.25% $7,204
    UNITED HOME LOANS, INC. 1 5.75% $2,934
    Paramount Bank 1 6.00% $1,718
    First Merchants Bank 1 2.63% $1,502
    AMERICAN FINANCING CORPORATION 1 3.25% $3,658
    Credit Union 1 1 6.50% $2,998
    First State Bank 1 4.13% $1,736
    FIRST STATE MORTGAGE SERVICES, LLC 1 6.50% $3,822
    Bank of America 1 2.75% $2,168
    CITIZENS EQUITY FIRST 1 4.88% $483
    HOME POINT FINANCIAL CORPORATION 1 5.25% $8,460

    Effingham Average Closing Costs & Other Stats

    Effingham, IL's 44 lenders originated 497 loans during 2022. The total origination value was $84,555,000, with an average loan value of $170,131.

    Effingham's average closing costs are $3,522.

    The top Effingham lender as defined by loan originations is Dieterich Bank, with 64 loans originated. Their average total fees are $1,996, which is $2,349 lower than the next largest lender, Midland States Bank.

    The lowest fee Effingham lenders (with over 10 loans originated) are First National Bank of Waterloo ($1,404), Dieterich Bank ($1,996), Petefish, Skiles & Co. ($3,131), GUARANTEED RATE, INC. ($4,121) and Midland States Bank ($4,346).

    The lowest rate Effingham lenders (with over 10 loans originated) are First National Bank of Waterloo (4.06%), Dieterich Bank (4.59%), GUARANTEED RATE, INC. (5.05%), Petefish, Skiles & Co. (5.10%) and Midland States Bank (5.47%).

    Effingham, IL 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
    Dieterich Bank $50,310,000 $22,625,000 -55.0% 26.8%
    First National Bank of Waterloo $5,690,000 $6,685,000 17.5% 7.9%
    Midland States Bank $12,025,000 $5,980,000 -50.3% 7.1%
    GUARANTEED RATE, INC. $1,280,000 $4,515,000 252.7% 5.3%
    Fifth Third Bank $4,995,000 $3,780,000 -24.3% 4.5%
    QUICKEN LOANS, LLC $9,020,000 $3,290,000 -63.5% 3.9%
    Petefish, Skiles & Co. $18,960,000 $2,690,000 -85.8% 3.2%
    Mortgage Research Center, LLC $2,255,000 $2,120,000 -6.0% 2.5%
    BROKER SOLUTIONS, INC. $2,175,000 $2,060,000 -5.3% 2.4%
    Citibank $1,705,000 n/a 2.0%
    AMERISAVE MORTGAGE CORPORATION $595,000 $1,595,000 168.1% 1.9%
    The Peoples State Bank of Newton, Illinois $950,000 $1,580,000 66.3% 1.9%
    First Mid Bank & Trust $2,810,000 $1,565,000 -44.3% 1.9%
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION $5,555,000 $1,510,000 -72.8% 1.8%
    JPMorgan Chase Bank $1,240,000 $1,055,000 -14.9% 1.2%
    Associated Bank $1,025,000 n/a 1.2%
    Farm Credit Mid-America, ACA $2,250,000 $1,010,000 -55.1% 1.2%
    Bank of Hillsboro $1,255,000 $985,000 -21.5% 1.2%
    Old National Bank $890,000 n/a 1.1%
    NAVY FEDERAL CREDIT UNION $550,000 $800,000 45.5% 0.9%
    The FNB Community Bank $85,000 $655,000 670.6% 0.8%
    HOME POINT FINANCIAL CORPORATION $165,000 $650,000 293.9% 0.8%
    Bank of Springfield $650,000 $625,000 -3.8% 0.7%
    CROSSCOUNTRY MORTGAGE, LLC $285,000 $605,000 112.3% 0.7%
    GUILD MORTGAGE COMPANY $565,000 n/a 0.7%
    The Fisher National Bank $550,000 n/a 0.7%
    Wells Fargo Bank $665,000 $525,000 -21.1% 0.6%
    LOANDEPOT.COM, LLC $510,000 $515,000 1.0% 0.6%
    GERSHMAN INVESTMENT CORP. $920,000 $510,000 -44.6% 0.6%
    First State Bank $505,000 n/a 0.6%
    KeyBank $505,000 n/a 0.6%
    HOMESIDE FINANCIAL, LLC $500,000 n/a 0.6%
    CHURCHILL MORTGAGE CORPORATION $705,000 $485,000 -31.2% 0.6%
    PENNYMAC LOAN SERVICES, LLC $1,150,000 $450,000 -60.9% 0.5%
    Mr. Cooper ( Nationstar Mortgage ) $525,000 $390,000 -25.7% 0.5%
    FLAT BRANCH MORTGAGE, INC. $1,115,000 $385,000 -65.5% 0.5%
    First Financial Bank $545,000 $375,000 -31.2% 0.4%
    Flagstar Bank, FSB $45,000 $370,000 722.2% 0.4%
    Commerce Bank $365,000 n/a 0.4%
    UNITED WHOLESALE MORTGAGE, LLC $350,000 n/a 0.4%
    Merchants Bank of Indiana $325,000 n/a 0.4%
    NEW DAY FINANCIAL, LLC $470,000 $325,000 -30.9% 0.4%
    SOFI LENDING CORP. $315,000 n/a 0.4%
    USAA Federal Savings Bank $275,000 n/a 0.3%
    Community Mortgage Banc Corporation $180,000 $270,000 50.0% 0.3%
    Regions Bank $175,000 $265,000 51.4% 0.3%
    The Home Loan Expert LLC $260,000 n/a 0.3%
    Town & Country Banc Mortgage Services, Inc. $260,000 n/a 0.3%
    U.S. Bank $590,000 $250,000 -57.6% 0.3%
    Peoples National Bank , N.A. $235,000 $245,000 4.3% 0.3%
    PNC Bank $175,000 $245,000 40.0% 0.3%
    UNITED HOME LOANS, INC. $245,000 n/a 0.3%
    Carrington Mortgage Services, LLC $245,000 $235,000 -4.1% 0.3%
    First Merchants Bank $225,000 n/a 0.3%
    VANDERBILT MORTGAGE AND FINANCE, INC. $365,000 $215,000 -41.1% 0.3%
    HealthCare Associates Credit Union $200,000 n/a 0.2%
    Bank of England $430,000 $195,000 -54.7% 0.2%
    Credit Union 1 $185,000 n/a 0.2%
    Busey Bank $175,000 n/a 0.2%
    The Federal Savings Bank $680,000 $170,000 -75.0% 0.2%
    FCB Banks $165,000 n/a 0.2%
    MORTGAGE SOLUTIONS OF COLORADO, LLC $165,000 n/a 0.2%
    CITIZENS EQUITY FIRST $155,000 n/a 0.2%
    Colonial Savings, F.A. $155,000 n/a 0.2%
    FIRST STATE MORTGAGE SERVICES, LLC $155,000 n/a 0.2%
    Ixonia Bank $285,000 $155,000 -45.6% 0.2%
    CALIBER HOME LOANS, INC. $240,000 $145,000 -39.6% 0.2%
    Bank of America $220,000 $135,000 -38.6% 0.2%
    AMERICAN FINANCING CORPORATION $125,000 n/a 0.1%
    Mid-Continent Funding, Inc. $115,000 n/a 0.1%
    EVANSVILLE TEACHERS $405,000 $105,000 -74.1% 0.1%
    FREEDOM MORTGAGE CORPORATION $1,265,000 $105,000 -91.7% 0.1%
    Bell Bank $95,000 n/a 0.1%
    Discover Bank $95,000 n/a 0.1%
    First State Bank $95,000 n/a 0.1%
    LAKEVIEW LOAN SERVICING, LLC $185,000 $95,000 -48.6% 0.1%
    SCOTT CREDIT UNION $195,000 $85,000 -56.4% 0.1%
    21ST MORTGAGE CORPORATION $205,000 $80,000 -61.0% 0.1%
    Paramount Bank $55,000 n/a 0.1%
    Figure Lending LLC $25,000 $35,000 40.0% 0.0%
    Home Loan Investment Bank, F.S.B. $15,000 n/a 0.0%

    Effingham's top lender by overall market share is Dieterich Bank, with 26.8% market share. In second place, with 7.9%, is First National Bank of Waterloo, having originated $6,685,000 in loans. In third place, with 7.1%, is Midland States Bank, having originated $5,980,000 in loans. In fourth place, with 5.3%, is GUARANTEED RATE, INC., having originated $4,515,000 in loans. In fifth place, with 4.5%, is Fifth Third Bank, having originated $3,780,000 in loans.

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

    Realtor.com - Effingham (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 $185,300 (12.9%) $239,462 (1.4%) 0.00 79
    2018-02-01 $166,150 (-2.2%) $228,282 (-7.7%) 0.00 84
    2018-03-01 $199,900 (7.9%) $238,183 (-6.2%) 0.00 102
    2018-04-01 $199,900 (8.1%) $241,687 (-5.1%) 0.00 115
    2018-05-01 $199,450 (6.1%) $238,552 (-8.3%) 0.00 126
    2018-06-01 $199,900 (9.7%) $220,654 (-10.0%) 0.00 128
    2018-07-01 $199,900 (8.1%) $219,956 (-11.7%) 0.00 128
    2018-08-01 $198,700 (10.0%) $210,187 (-15.3%) 0.00 124
    2018-09-01 $189,950 (7.4%) $208,527 (-9.0%) 0.00 128
    2018-10-01 $173,700 (-1.8%) $206,431 (-11.5%) 0.00 128
    2018-11-01 $175,725 (-1.8%) $203,560 (-15.6%) 0.00 121
    2018-12-01 $164,950 (-13.7%) $193,387 (-19.2%) 0.00 107
    2019-01-01 $149,900 (-19.1%) $189,407 (-20.9%) 0.00 103
    2019-02-01 $156,225 (-6.0%) $202,345 (-11.4%) 0.00 103
    2019-03-01 $156,450 (-21.7%) $212,694 (-10.7%) 0.00 100
    2019-04-01 $169,150 (-15.4%) $224,618 (-7.1%) 0.00 102
    2019-05-01 $174,575 (-12.5%) $237,703 (-0.4%) 0.00 108
    2019-06-01 $168,950 (-15.5%) $231,487 (4.9%) 0.00 117
    2019-07-01 $168,475 (-15.7%) $226,479 (3.0%) 0.00 124
    2019-08-01 $171,000 (-13.9%) $223,047 (6.1%) 0.00 130
    2019-09-01 $170,925 (-10.0%) $228,819 (9.7%) 0.00 128
    2019-10-01 $170,750 (-1.7%) $231,838 (12.3%) 0.00 137
    2019-11-01 $158,500 (-9.8%) $226,329 (11.2%) 0.00 140
    2019-12-01 $139,900 (-15.2%) $222,436 (15.0%) 0.00 123
    2020-01-01 $154,900 (3.3%) $217,902 (15.0%) 0.00 122
    2020-02-01 $152,400 (-2.5%) $224,540 (11.0%) 0.00 112
    2020-03-01 $169,950 (8.6%) $245,518 (15.4%) 0.00 121
    2020-04-01 $176,500 (4.4%) $246,700 (9.8%) 0.00 123
    2020-05-01 $198,750 (13.9%) $252,683 (6.3%) 0.00 113
    2020-06-01 $207,000 (22.5%) $281,999 (21.8%) 0.00 97
    2020-07-01 $207,700 (23.3%) $289,058 (27.6%) 0.00 94
    2020-08-01 $218,950 (28.0%) $295,080 (32.3%) 0.00 84
    2020-09-01 $222,000 (29.9%) $299,424 (30.9%) 0.00 85
    2020-10-01 $224,900 (31.7%) $295,877 (27.6%) 0.00 82
    2020-11-01 $182,425 (15.1%) $286,836 (26.7%) 0.00 84
    2020-12-01 $169,900 (21.4%) $274,512 (23.4%) 0.00 79
    2021-01-01 $176,450 (13.9%) $281,539 (29.2%) 0.00 61
    2021-02-01 $208,750 (37.0%) $318,895 (42.0%) 0.00 54
    2021-03-01 $209,500 (23.3%) $329,139 (34.1%) 0.00 58
    2021-04-01 $220,755 (25.1%) $350,933 (42.3%) 0.00 57
    2021-05-01 $142,500 (-28.3%) $306,687 (21.4%) 0.00 58
    2021-06-01 $187,000 (-9.7%) $320,583 (13.7%) 0.00 60
    2021-07-01 $194,950 (-6.1%) $324,875 (12.4%) 0.00 56
    2021-08-01 $187,725 (-14.3%) $307,856 (4.3%) 0.00 49
    2021-09-01 $186,500 (-16.0%) $283,295 (-5.4%) 0.00 51
    2021-10-01 $186,000 (-17.3%) $278,440 (-5.9%) 0.00 47
    2021-11-01 $189,250 (3.7%) $264,874 (-7.7%) 0.00 49
    2021-12-01 $164,900 (-2.9%) $234,643 (-14.5%) 0.00 41
    2022-01-01 $139,900 (-20.7%) $220,988 (-21.5%) 0.00 36
    2022-02-01 $164,925 (-21.0%) $252,108 (-20.9%) 0.00 29
    2022-03-01 $161,975 (-22.7%) $289,084 (-12.2%) 0.00 33
    2022-04-01 $170,000 (-23.0%) $272,287 (-22.4%) 0.00 33
    2022-05-01 $228,200 (60.1%) $313,923 (2.4%) 0.00 28
    2022-06-01 $263,725 (41.0%) $333,793 (4.1%) 0.00 24
    2022-07-01 $235,000 (20.5%) $327,731 (0.9%) 0.00 27
    2022-08-01 $147,500 (-21.4%) $239,656 (-22.2%) 0.00 38
    2022-09-01 $173,225 (-7.1%) $266,134 (-6.1%) 0.00 45
    2022-10-01 $159,900 (-14.0%) $251,539 (-9.7%) 0.00 45
    2022-11-01 $163,175 (-13.8%) $290,547 (9.7%) 0.00 45
    2022-12-01 $184,450 (11.9%) $302,835 (29.1%) 0.00 39
    2023-01-01 $226,975 (62.2%) $333,138 (50.8%) 0.00 34
    2023-02-01 $228,675 (38.7%) $344,499 (36.7%) 0.00 28
    2023-03-01 $219,625 (35.6%) $364,102 (26.0%) 0.00 27
    2023-04-01 $272,000 (60.0%) $404,928 (48.7%) 0.00 29
    Effingham's median listing price for 2023-04-01 was $272,000, a difference of $102,000 (60.0%) versus the prior year and $52,375 versus the prior month.

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

    Effingham's average listing price for 2023-04-01 was $404,928, a difference of $132,641 (48.7%) versus the prior year and $40,826 versus the prior month.

    For the 2023-04-01 period, Effingham had 29 MLS listings, a difference of 2 listings (7%) versus the prior month and -4 listings (-12%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Effingham (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,992 sqft
    2018-02-01 0 days 2,001 sqft
    2018-03-01 0 days 2,248 sqft
    2018-04-01 0 days 2,325 sqft
    2018-05-01 0 days 2,091 sqft
    2018-06-01 0 days 2,184 sqft
    2018-07-01 0 days 2,185 sqft
    2018-08-01 0 days 2,088 sqft
    2018-09-01 0 days 2,047 sqft
    2018-10-01 0 days 2,001 sqft
    2018-11-01 0 days 1,989 sqft
    2018-12-01 0 days 1,915 sqft
    2019-01-01 0 days 1,776 sqft
    2019-02-01 0 days 1,774 sqft
    2019-03-01 0 days 1,840 sqft
    2019-04-01 0 days 1,953 sqft
    2019-05-01 0 days 2,021 sqft
    2019-06-01 0 days 1,950 sqft
    2019-07-01 0 days 1,922 sqft
    2019-08-01 0 days 1,827 sqft
    2019-09-01 0 days 1,869 sqft
    2019-10-01 0 days 1,777 sqft
    2019-11-01 0 days 1,783 sqft
    2019-12-01 0 days 1,784 sqft
    2020-01-01 0 days 1,784 sqft
    2020-02-01 0 days 1,795 sqft
    2020-03-01 0 days 1,889 sqft
    2020-04-01 0 days 1,943 sqft
    2020-05-01 0 days 2,041 sqft
    2020-06-01 0 days 2,093 sqft
    2020-07-01 0 days 2,086 sqft
    2020-08-01 0 days 2,119 sqft
    2020-09-01 0 days 2,152 sqft
    2020-10-01 0 days 2,280 sqft
    2020-11-01 0 days 1,970 sqft
    2020-12-01 0 days 1,812 sqft
    2021-01-01 0 days 1,825 sqft
    2021-02-01 0 days 1,999 sqft
    2021-03-01 0 days 2,038 sqft
    2021-04-01 0 days 2,041 sqft
    2021-05-01 0 days 1,598 sqft
    2021-06-01 0 days 1,871 sqft
    2021-07-01 0 days 2,040 sqft
    2021-08-01 0 days 1,932 sqft
    2021-09-01 0 days 1,921 sqft
    2021-10-01 0 days 2,008 sqft
    2021-11-01 0 days 1,980 sqft
    2021-12-01 0 days 1,584 sqft
    2022-01-01 0 days 1,520 sqft
    2022-02-01 0 days 1,761 sqft
    2022-03-01 0 days 1,899 sqft
    2022-04-01 0 days 1,745 sqft
    2022-05-01 0 days 1,904 sqft
    2022-06-01 0 days 1,938 sqft
    2022-07-01 0 days 1,940 sqft
    2022-08-01 0 days 1,735 sqft
    2022-09-01 0 days 1,931 sqft
    2022-10-01 0 days 2,104 sqft
    2022-11-01 0 days 1,777 sqft
    2022-12-01 0 days 1,912 sqft
    2023-01-01 0 days 2,017 sqft
    2023-02-01 0 days 1,924 sqft
    2023-03-01 0 days 1,960 sqft
    2023-04-01 0 days 2,461 sqft
    Effingham's median listing age (time on market) for 2023-04-01 was 0 days.

    Effingham's median square footage for active listings during the 2023-04-01 period was 2,461 sqft. One year prior, the average listing was 1,745 sqft.

    Effingham, IL Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 288 $54,960,000 $190,833
    Cash Out Refi 83 $14,315,000 $172,470
    Refi 62 $9,550,000 $154,032
    Other 42 $4,440,000 $105,714
    Home Improvement 22 $1,290,000 $58,636

    Effingham's most frequently cited loan purpose was Home Purchase, with 288 originations. The 2nd most popular reason was Cash Out Refi, with 83 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    4-5% 129 $21,565,000 $167,171
    5-6% 118 $21,220,000 $179,831
    3-4% 116 $22,710,000 $195,776
    6-7% 50 $6,990,000 $139,800
    2.5-3% 28 $4,430,000 $158,214
    <2.5% 26 $2,380,000 $91,538
    7-8% 11 $2,015,000 $183,182
    Over 8% 6 $260,000 $43,333

    During 2022, Effingham's most frequently originated rate bucket was 4-5%, with 129 originations.

    Loan Sizing (Effingham, IL MSA)

    Loan Size Originations Total Value Average Loan
    $100k-200k 202 $29,050,000 $143,812
    $100,000 or less 156 $9,170,000 $58,782
    $200k-400k 114 $30,920,000 $271,228
    $400k-600k 18 $8,660,000 $481,111
    $600k-1000k 5 $4,025,000 $805,000
    $Over $1MM 2 $2,730,000 $1,365,000

    Effingham's loan sizing saw the bucket of loans from $100k-200k with 202 originations, totaling $29,050,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 215 $40,765,000 $189,605
    60-80% 123 $25,355,000 $206,138
    40-60% 58 $8,670,000 $149,483
    20-40% 42 $5,000,000 $119,048
    Under 20% 41 $1,235,000 $30,122
    Over 100% 3 $425,000 $141,667

    Effingham's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 215 originations, totaling $40,765,000 in origination value.