Emporia Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Emporia averaged
7.37%
for the week of 2023-09-14, compared to the national average of
7.18% for the same period.
The average rate for the prior week (2023-09-07) was
6.91% and
one month ago for the week of 2023-08-10, the
average rate was 6.85%.
Emporia's average rate one year ago was 5.88%.
For refis of the same type during the week of 2023-09-14, the average rate
was 7.38%.
Loan Type | Date | Rate |
---|---|---|
US 30 Year Fixed Rate | 2023-09-14 | 7.18% |
Emporia 30 Year Fixed Rate | 2023-09-14 | 7.37% |
Emporia 30 Year Fixed Rate Refi | 2023-09-14 | 7.38% |
Emporia 15 Year Fixed Rate | 2023-09-14 | 6.71% |
Emporia 15 Year Fixed Rate Refi | 2023-09-14 | 7.01% |
Emporia 30 Year FHA | 2023-09-14 | 6.89% |
Emporia 30 Year FHA Refi | 2023-09-14 | 6.79% |
Emporia 30 Year USDA | 2023-09-14 | 6.88% |
Emporia 30 Year USDA Refi | 2023-09-14 | 6.88% |
Emporia 30 Year VA | 2023-09-14 | 6.61% |
Emporia 30 Year VA Refi | 2023-09-14 | 6.71% |
Emporia 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 Emporia, KS 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.).
Emporia Average Closing Costs & Other Stats
Emporia, KS's 38 lenders originated 411
loans during 2022. The total origination value was $72,405,000, with an average loan value of
$176,168.
Emporia's average closing costs are $3,046.
The top Emporia lender as defined by loan originations is NBH Bank, with
41 loans originated. Their average total fees are
$1,732, which is $57
lower than the next largest lender,
ESB Financial.
The lowest fee Emporia lenders (with over 10 loans originated) are
NBH Bank ($1,732), ESB Financial ($1,789), Capitol Federal Savings Bank ($1,966), QUICKEN LOANS, LLC ($4,867) and .
The lowest rate Emporia lenders (with over 10 loans originated) are
Capitol Federal Savings Bank (4.76%), QUICKEN LOANS, LLC (4.93%), ESB Financial (5.20%), NBH Bank (5.30%) and .
Emporia, KS 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 |
---|---|---|---|---|
NBH Bank | $20,500,000 | $18,915,000 | -7.7% | 26.1% |
ESB Financial | $23,765,000 | $16,790,000 | -29.3% | 23.2% |
QUICKEN LOANS, LLC | $8,575,000 | $5,610,000 | -34.6% | 7.7% |
Community National Bank & Trust | $6,165,000 | $3,120,000 | -49.4% | 4.3% |
Capitol Federal Savings Bank | $3,460,000 | $2,875,000 | -16.9% | 4.0% |
ORIX REAL ESTATE CAPITAL, LLC | $14,560,000 | $2,265,000 | -84.4% | 3.1% |
CoreFirst Bank & Trust | $460,000 | $1,870,000 | 306.5% | 2.6% |
Mortgage Investment Services Corporation | $2,680,000 | $1,400,000 | -47.8% | 1.9% |
Farm Credit Mid-America, ACA | $2,305,000 | $1,265,000 | -45.1% | 1.7% |
Mortgage Research Center, LLC | $2,025,000 | $1,105,000 | -45.4% | 1.5% |
NAVY FEDERAL CREDIT UNION | $445,000 | $1,025,000 | 130.3% | 1.4% |
Arvest Bank | $970,000 | n/a | 1.3% | |
OPEN MORTGAGE, LLC | $685,000 | n/a | 0.9% | |
USAA Federal Savings Bank | $125,000 | $655,000 | 424.0% | 0.9% |
CROSSCOUNTRY MORTGAGE, LLC | $280,000 | $615,000 | 119.6% | 0.8% |
The Huntington National Bank | $555,000 | n/a | 0.8% | |
FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $1,210,000 | $535,000 | -55.8% | 0.7% |
Members Mortgage Services, L.L.C. | $570,000 | $505,000 | -11.4% | 0.7% |
JPMorgan Chase Bank | $495,000 | $490,000 | -1.0% | 0.7% |
PENNYMAC LOAN SERVICES, LLC | $570,000 | $485,000 | -14.9% | 0.7% |
UNITED WHOLESALE MORTGAGE, LLC | $725,000 | $445,000 | -38.6% | 0.6% |
MUTUAL OF OMAHA MORTGAGE, INC. | $420,000 | n/a | 0.6% | |
FINANCIAL CONCEPTS MORTGAGE, LLC | $395,000 | n/a | 0.5% | |
ZILLOW HOME LOANS, LLC | $390,000 | n/a | 0.5% | |
COMMUNITYAMERICA | $35,000 | $385,000 | 1,000.0% | 0.5% |
CRESCENT MORTGAGE COMPANY | $675,000 | $370,000 | -45.2% | 0.5% |
FREEDOM MORTGAGE CORPORATION | $1,955,000 | $350,000 | -82.1% | 0.5% |
First State Bank of St. Charles, Missouri | $335,000 | n/a | 0.5% | |
Citizens Bank of Kansas | $405,000 | $325,000 | -19.8% | 0.4% |
Fidelity Bank | $325,000 | n/a | 0.4% | |
BROKER SOLUTIONS, INC. | $475,000 | $320,000 | -32.6% | 0.4% |
Central National Bank | $320,000 | n/a | 0.4% | |
Bank of the West | $295,000 | n/a | 0.4% | |
Landmark National Bank | $180,000 | $290,000 | 61.1% | 0.4% |
Azura Credit Union | $240,000 | $280,000 | 16.7% | 0.4% |
Farmers and Drovers Bank | $570,000 | $260,000 | -54.4% | 0.4% |
LOANDEPOT.COM, LLC | $455,000 | $250,000 | -45.1% | 0.3% |
PLANET HOME LENDING, LLC | $240,000 | n/a | 0.3% | |
Wells Fargo Bank | $1,375,000 | $240,000 | -82.5% | 0.3% |
MORTGAGE SOLUTIONS OF COLORADO, LLC | $235,000 | n/a | 0.3% | |
EVERETT FINANCIAL, INC. | $135,000 | $230,000 | 70.4% | 0.3% |
Gateway First Bank | $155,000 | $230,000 | 48.4% | 0.3% |
Barrington Bank & Trust Company, N.A. | $210,000 | $205,000 | -2.4% | 0.3% |
DELMAR FINANCIAL COMPANY | $445,000 | $205,000 | -53.9% | 0.3% |
LAKEVIEW LOAN SERVICING, LLC | $165,000 | $205,000 | 24.2% | 0.3% |
21ST MORTGAGE CORPORATION | $155,000 | $185,000 | 19.4% | 0.3% |
BAY EQUITY LLC | $175,000 | n/a | 0.2% | |
First Option Bank | $175,000 | n/a | 0.2% | |
PRIMELENDING, A PLAINSCAPITAL COMPANY | $300,000 | $160,000 | -46.7% | 0.2% |
PEOPLES STATE BANK | $35,000 | $155,000 | 342.9% | 0.2% |
VELOCITY COMMERCIAL CAPITAL, LLC | $155,000 | n/a | 0.2% | |
First United Bank and Trust Company | $145,000 | n/a | 0.2% | |
Envista Credit Union | $135,000 | n/a | 0.2% | |
Prosperity Home Mortgage, LLC | $135,000 | n/a | 0.2% | |
MERITRUST Federal Credit Union | $625,000 | $115,000 | -81.6% | 0.2% |
Sierra Pacific Mortgage Company, Inc. | $195,000 | $115,000 | -41.0% | 0.2% |
LOANPAL, LLC | $85,000 | $105,000 | 23.5% | 0.1% |
AMERICAN ADVISORS GROUP | $90,000 | n/a | 0.1% | |
Bank of America | $535,000 | $90,000 | -83.2% | 0.1% |
Emprise Bank | $90,000 | n/a | 0.1% | |
LEADERONE FINANCIAL CORPORATION | $250,000 | $85,000 | -66.0% | 0.1% |
Mr. Cooper ( Nationstar Mortgage ) | $1,125,000 | $85,000 | -92.4% | 0.1% |
Plains Commerce Bank | $85,000 | n/a | 0.1% | |
Truist | $85,000 | n/a | 0.1% | |
FINANCE OF AMERICA MORTGAGE LLC | $180,000 | $75,000 | -58.3% | 0.1% |
HOME POINT FINANCIAL CORPORATION | $250,000 | $75,000 | -70.0% | 0.1% |
NUMARK CREDIT UNION | $75,000 | n/a | 0.1% | |
PURDUE FEDERAL CREDIT UNION | $75,000 | n/a | 0.1% | |
Quail Creek Bank | $65,000 | n/a | 0.1% | |
Southwest National Bank | $65,000 | n/a | 0.1% | |
Commerce Bank | $55,000 | n/a | 0.1% | |
Figure Lending LLC | $55,000 | n/a | 0.1% | |
HEARTLAND CREDIT UNION | $55,000 | n/a | 0.1% | |
Colonial Savings, F.A. | $75,000 | $45,000 | -40.0% | 0.1% |
TRIAD FINANCIAL SERVICES, INC. | $240,000 | $45,000 | -81.3% | 0.1% |
Truity Federal Credit Union | $315,000 | $35,000 | -88.9% | 0.0% |
PNC Bank | $245,000 | $25,000 | -89.8% | 0.0% |
QUANTUM CREDIT UNION | $15,000 | n/a | 0.0% |
Emporia's top lender by overall market share is NBH Bank, with 26.1% market share. In second place, with 23.2%, is ESB Financial, having originated $16,790,000 in loans. In third place, with 7.7%, is QUICKEN LOANS, LLC, having originated $5,610,000 in loans. In fourth place, with 4.3%, is Community National Bank & Trust, having originated $3,120,000 in loans. In fifth place, with 4.0%, is Capitol Federal Savings Bank, having originated $2,875,000 in loans.
Emporia Housing Market Trends (Median, Average Prices & Listing Count)
Realtor.com - Emporia (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 | $111,525 (-8.6%) | $152,019 (-2.1%) | 0.00 | 71 |
2018-02-01 | $104,675 (0.9%) | $144,482 (-3.8%) | 0.00 | 69 |
2018-03-01 | $118,500 (26.8%) | $164,171 (12.7%) | 0.00 | 73 |
2018-04-01 | $129,175 (40.6%) | $170,343 (23.3%) | 0.00 | 79 |
2018-05-01 | $97,900 (-17.2%) | $153,980 (1.7%) | 0.00 | 79 |
2018-06-01 | $122,750 (-0.8%) | $158,238 (0.2%) | 0.00 | 88 |
2018-07-01 | $122,125 (11.1%) | $155,716 (13.6%) | 0.00 | 104 |
2018-08-01 | $119,900 (8.4%) | $159,059 (15.1%) | 0.00 | 107 |
2018-09-01 | $113,900 (1.8%) | $148,447 (4.0%) | 0.00 | 106 |
2018-10-01 | $115,475 (-0.7%) | $150,539 (2.3%) | 0.00 | 108 |
2018-11-01 | $112,425 (-1.7%) | $148,176 (4.1%) | 0.00 | 111 |
2018-12-01 | $116,900 (-1.4%) | $151,530 (-1.5%) | 0.00 | 95 |
2019-01-01 | $117,450 (5.3%) | $155,693 (2.4%) | 0.00 | 86 |
2019-02-01 | $120,550 (15.2%) | $150,165 (3.9%) | 0.00 | 85 |
2019-03-01 | $139,000 (17.3%) | $171,654 (4.6%) | 0.00 | 82 |
2019-04-01 | $156,750 (21.4%) | $198,044 (16.3%) | 0.00 | 81 |
2019-05-01 | $169,425 (73.1%) | $205,346 (33.4%) | 0.00 | 77 |
2019-06-01 | $165,000 (34.4%) | $198,543 (25.5%) | 0.00 | 92 |
2019-07-01 | $147,100 (20.5%) | $178,260 (14.5%) | 0.00 | 90 |
2019-08-01 | $138,155 (15.2%) | $176,439 (10.9%) | 0.00 | 95 |
2019-09-01 | $127,886 (12.3%) | $169,694 (14.3%) | 0.00 | 94 |
2019-10-01 | $119,900 (3.8%) | $164,188 (9.1%) | 0.00 | 94 |
2019-11-01 | $122,450 (8.9%) | $155,739 (5.1%) | 0.00 | 81 |
2019-12-01 | $114,900 (-1.7%) | $155,215 (2.4%) | 0.00 | 66 |
2020-01-01 | $104,450 (-11.1%) | $147,202 (-5.5%) | 0.00 | 62 |
2020-02-01 | $95,900 (-20.5%) | $144,059 (-4.1%) | 0.00 | 66 |
2020-03-01 | $134,900 (-3.0%) | $164,061 (-4.4%) | 0.00 | 76 |
2020-04-01 | $149,800 (-4.4%) | $176,060 (-11.1%) | 0.00 | 74 |
2020-05-01 | $149,900 (-11.5%) | $171,697 (-16.4%) | 0.00 | 72 |
2020-06-01 | $169,225 (2.6%) | $177,396 (-10.7%) | 0.00 | 66 |
2020-07-01 | $178,675 (21.5%) | $978,691 (449.0%) | 0.00 | 57 |
2020-08-01 | $149,450 (8.2%) | $168,428 (-4.5%) | 0.00 | 57 |
2020-09-01 | $152,925 (19.6%) | $178,843 (5.4%) | 0.00 | 59 |
2020-10-01 | $144,900 (20.9%) | $181,198 (10.4%) | 0.00 | 65 |
2020-11-01 | $138,800 (13.4%) | $195,333 (25.4%) | 0.00 | 46 |
2020-12-01 | $140,594 (22.4%) | $183,154 (18.0%) | 0.00 | 42 |
2021-01-01 | $128,450 (23.0%) | $164,120 (11.5%) | 0.00 | 44 |
2021-02-01 | $134,900 (40.7%) | $166,242 (15.4%) | 0.00 | 36 |
2021-03-01 | $140,050 (3.8%) | $182,327 (11.1%) | 0.00 | 32 |
2021-04-01 | $167,513 (11.8%) | $255,168 (44.9%) | 0.00 | 34 |
2021-05-01 | $152,000 (1.4%) | $176,318 (2.7%) | 0.00 | 23 |
2021-06-01 | $107,975 (-36.2%) | $164,218 (-7.4%) | 0.00 | 36 |
2021-07-01 | $99,900 (-44.1%) | $143,997 (-85.3%) | 0.00 | 46 |
2021-08-01 | $146,175 (-2.2%) | $156,324 (-7.2%) | 0.00 | 50 |
2021-09-01 | $147,900 (-3.3%) | $160,609 (-10.2%) | 0.00 | 46 |
2021-10-01 | $139,450 (-3.8%) | $159,088 (-12.2%) | 0.00 | 49 |
2021-11-01 | $118,650 (-14.5%) | $141,857 (-27.4%) | 0.00 | 31 |
2021-12-01 | $122,400 (-12.9%) | $149,057 (-18.6%) | 0.00 | 35 |
2022-01-01 | $129,900 (1.1%) | $149,297 (-9.0%) | 0.00 | 29 |
2022-02-01 | $106,675 (-20.9%) | $151,701 (-8.8%) | 0.00 | 21 |
2022-03-01 | $111,050 (-20.7%) | $143,041 (-21.6%) | 0.00 | 25 |
2022-04-01 | $108,000 (-35.5%) | $161,928 (-36.5%) | 0.00 | 25 |
2022-05-01 | $122,200 (-19.6%) | $178,055 (1.0%) | 0.00 | 34 |
2022-06-01 | $164,450 (52.3%) | $211,711 (28.9%) | 0.00 | 28 |
2022-07-01 | $174,250 (74.4%) | $233,069 (61.9%) | 0.00 | 38 |
2022-08-01 | $177,750 (21.6%) | $231,925 (48.4%) | 0.00 | 39 |
2022-09-01 | $199,900 (35.2%) | $242,690 (51.1%) | 0.00 | 36 |
2022-10-01 | $173,500 (24.4%) | $232,676 (46.3%) | 0.00 | 35 |
2022-11-01 | $223,675 (88.5%) | $245,387 (73.0%) | 0.00 | 34 |
2022-12-01 | $205,000 (67.5%) | $222,662 (49.4%) | 0.00 | 31 |
2023-01-01 | $191,150 (47.2%) | $233,202 (56.2%) | 0.00 | 31 |
2023-02-01 | $199,900 (87.4%) | $302,358 (99.3%) | 0.00 | 31 |
2023-03-01 | $198,650 (78.9%) | $301,245 (110.6%) | 0.00 | 31 |
2023-04-01 | $179,900 (66.6%) | $266,488 (64.6%) | 0.00 | 34 |
2023-05-01 | $207,450 (69.8%) | $275,383 (54.7%) | 0.00 | 26 |
2023-06-01 | $205,950 (25.2%) | $272,687 (28.8%) | 0.00 | 30 |
2023-07-01 | $221,450 (27.1%) | $290,866 (24.8%) | 0.00 | 31 |
2023-08-01 | $223,650 (25.8%) | $275,660 (18.9%) | 0.00 | 34 |
Emporia's median listing price comes in at 0% of the national average.
Emporia's average listing price for 2023-08-01 was $275,660, a difference of $43,735 (18.9%) versus the prior year and $-15,206 versus the prior month.
For the 2023-08-01 period, Emporia had 34 MLS listings, a difference of 3 listings (10%) versus the prior month and -5 listings (-13%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - Emporia (CBSA) retrieved from FRED, Federal Reserve Bank of St. LouisDate | Median Listing Time on Market | Median Square Footage |
---|---|---|
2018-01-01 | 0 days | 1,585 sqft |
2018-02-01 | 0 days | 1,380 sqft |
2018-03-01 | 0 days | 1,551 sqft |
2018-04-01 | 0 days | 1,736 sqft |
2018-05-01 | 0 days | 1,485 sqft |
2018-06-01 | 0 days | 1,647 sqft |
2018-07-01 | 0 days | 1,620 sqft |
2018-08-01 | 0 days | 1,584 sqft |
2018-09-01 | 0 days | 1,530 sqft |
2018-10-01 | 0 days | 1,520 sqft |
2018-11-01 | 0 days | 1,525 sqft |
2018-12-01 | 0 days | 1,556 sqft |
2019-01-01 | 0 days | 1,660 sqft |
2019-02-01 | 0 days | 1,571 sqft |
2019-03-01 | 0 days | 1,641 sqft |
2019-04-01 | 0 days | 1,721 sqft |
2019-05-01 | 0 days | 1,897 sqft |
2019-06-01 | 0 days | 1,866 sqft |
2019-07-01 | 0 days | 1,742 sqft |
2019-08-01 | 0 days | 1,750 sqft |
2019-09-01 | 0 days | 1,694 sqft |
2019-10-01 | 0 days | 1,606 sqft |
2019-11-01 | 0 days | 1,554 sqft |
2019-12-01 | 0 days | 1,536 sqft |
2020-01-01 | 0 days | 1,453 sqft |
2020-02-01 | 0 days | 1,366 sqft |
2020-03-01 | 0 days | 1,525 sqft |
2020-04-01 | 0 days | 1,562 sqft |
2020-05-01 | 0 days | 1,635 sqft |
2020-06-01 | 0 days | 1,700 sqft |
2020-07-01 | 0 days | 1,771 sqft |
2020-08-01 | 0 days | 1,592 sqft |
2020-09-01 | 0 days | 1,722 sqft |
2020-10-01 | 0 days | 1,711 sqft |
2020-11-01 | 0 days | 1,598 sqft |
2020-12-01 | 0 days | 1,561 sqft |
2021-01-01 | 0 days | 1,564 sqft |
2021-02-01 | 0 days | 1,560 sqft |
2021-03-01 | 0 days | 1,884 sqft |
2021-04-01 | 0 days | 1,826 sqft |
2021-05-01 | 0 days | 1,654 sqft |
2021-06-01 | 0 days | 1,358 sqft |
2021-07-01 | 0 days | 1,340 sqft |
2021-08-01 | 0 days | 1,376 sqft |
2021-09-01 | 0 days | 1,486 sqft |
2021-10-01 | 0 days | 1,480 sqft |
2021-11-01 | 0 days | 1,460 sqft |
2021-12-01 | 0 days | 1,374 sqft |
2022-01-01 | 0 days | 1,417 sqft |
2022-02-01 | 0 days | 1,396 sqft |
2022-03-01 | 0 days | 1,305 sqft |
2022-04-01 | 0 days | 1,248 sqft |
2022-05-01 | 0 days | 1,376 sqft |
2022-06-01 | 0 days | 1,636 sqft |
2022-07-01 | 0 days | 1,745 sqft |
2022-08-01 | 0 days | 1,811 sqft |
2022-09-01 | 0 days | 1,775 sqft |
2022-10-01 | 0 days | 1,844 sqft |
2022-11-01 | 0 days | 1,839 sqft |
2022-12-01 | 0 days | 1,759 sqft |
2023-01-01 | 0 days | 1,729 sqft |
2023-02-01 | 0 days | 1,818 sqft |
2023-03-01 | 0 days | 1,889 sqft |
2023-04-01 | 0 days | 2,091 sqft |
2023-05-01 | 0 days | 1,911 sqft |
2023-06-01 | 0 days | 1,882 sqft |
2023-07-01 | 0 days | 2,226 sqft |
2023-08-01 | 0 days | 1,935 sqft |
Emporia's median square footage for active listings during the 2023-08-01 period was 1,935 sqft. One year prior, the average listing was 1,811 sqft.
Emporia, KS Market Loan Reason
Loan Purpose | Originations | Total Value | Average Loan |
---|---|---|---|
Home Purchase | 272 | $47,540,000 | $174,779 |
Refi | 59 | $16,005,000 | $271,271 |
Cash Out Refi | 48 | $7,050,000 | $146,875 |
Home Improvement | 21 | $1,335,000 | $63,571 |
Other | 11 | $475,000 | $43,182 |
Emporia's most frequently cited loan purpose was Home Purchase, with 272 originations. The 2nd most popular reason was Refi, with 59 originations.
Interest Rate Frequencies
Loan Rate | Originations | Total Value | Average Loan |
---|---|---|---|
5-6% | 137 | $22,005,000 | $160,620 |
4-5% | 95 | $14,265,000 | $150,158 |
3-4% | 73 | $20,105,000 | $275,411 |
6-7% | 46 | $7,160,000 | $155,652 |
7-8% | 20 | $2,060,000 | $103,000 |
2.5-3% | 16 | $2,260,000 | $141,250 |
Over 8% | 6 | $680,000 | $113,333 |
<2.5% | 6 | $2,810,000 | $468,333 |
During 2022, Emporia's most frequently originated rate bucket was 5-6%, with 137 originations.
Loan Sizing (Emporia, KS MSA)
Loan Size | Originations | Total Value | Average Loan |
---|---|---|---|
$100k-200k | 160 | $23,110,000 | $144,438 |
$100,000 or less | 155 | $9,345,000 | $60,290 |
$200k-400k | 74 | $19,590,000 | $264,730 |
$400k-600k | 12 | $5,880,000 | $490,000 |
$Over $1MM | 7 | $12,285,000 | $1,755,000 |
$600k-1000k | 3 | $2,195,000 | $731,667 |
Emporia's loan sizing saw the bucket of loans from $100k-200k with 160 originations, totaling $23,110,000 in origination value.
LTV Distribution
Loan to Value | Originations | Total Value | Average Loan |
---|---|---|---|
80-100% | 221 | $38,295,000 | $173,281 |
60-80% | 89 | $21,475,000 | $241,292 |
40-60% | 36 | $5,080,000 | $141,111 |
20-40% | 34 | $3,440,000 | $101,176 |
Under 20% | 15 | $405,000 | $27,000 |
Over 100% | 2 | $2,420,000 | $1,210,000 |
Emporia's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 221 originations, totaling $38,295,000 in origination value.