Emporia Mortgage Rates & Closing Costs

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

30 Year Fixed Rate mortgages in Emporia averaged 6.84% for the week of 2024-07-11, compared to the national average of 6.89% for the same period.

The average rate for the prior week (2024-07-03) was 6.8% and one month ago for the week of 2024-06-06, the average rate was 7.04%.

Emporia's average rate one year ago was 6.76%.

For refis of the same type during the week of 2024-07-11, the average rate was 7.09%.

Loan Type Date Rate
US 30 Year Fixed Rate 2024-07-11 6.89%
Emporia 30 Year Fixed Rate 2024-07-11 6.84%
Emporia 30 Year Fixed Rate Refi 2024-07-11 7.09%
Emporia 15 Year Fixed Rate 2024-07-11 6.07%
Emporia 15 Year Fixed Rate Refi 2024-07-11 6.27%
Emporia 30 Year FHA 2024-07-11 6.66%
Emporia 30 Year FHA Refi 2024-07-11 6.96%
Emporia 30 Year USDA 2024-07-11 6.87%
Emporia 30 Year USDA Refi 2024-07-11 6.57%
Emporia 30 Year VA 2024-07-11 6.46%
Emporia 30 Year VA Refi 2024-07-11 6.26%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Emporia, KS.

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.).

Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
NBH Bank 50 6.66% $2,519
ESB Financial 37 6.54% $1,795
QUICKEN LOANS, LLC 9 6.72% $6,557
Community National Bank & Trust 6 7.24% $2,785
Farm Credit Mid-America, ACA 5 6.88% $7,292
U.S. Bank 2 6.81% $2,772
UNITED WHOLESALE MORTGAGE, LLC 2 7.64% $3,350
Capitol Federal Savings Bank 2 6.69% $2,007
Mr. Cooper ( Nationstar Mortgage ) 2 7.31% $5,251
Emprise Bank 1 6.63% $2,229
Equity Bank 1 7.38% $3,420
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 1 7.49% $2,853
Fifth Third Bank 1 7.25% $3,849
First Bank 1 6.50% $4,366
FLAT BRANCH MORTGAGE, INC. 1 6.63% $8,523
Gateway First Bank 1 6.88% $2,600
GUARANTEED RATE, INC. 1 6.30% $2,633
LAKEVIEW LOAN SERVICING, LLC 1 6.63% $4,295
Landmark National Bank 1 6.38% $2,003
MERITRUST Federal Credit Union 1 6.50% $2,383
Mid-America Bank 1 7.75% $1,885
Midwest Mortgage Associates Corporation 1 6.63% $3,579
MORTGAGE ACCESS CORP. 1 7.99% $4,072
Mortgage Investment Services Corporation 1 7.88% $1,001
Mortgage Research Center, LLC 1 6.63% $3,439
NAVY FEDERAL CREDIT UNION 1 6.50% $1,554
NBKC BANK 1 7.13% $1,710
NETWORK CAPITAL FUNDING CORPORATION 1 9.88% $8,870
PREMIA MORTGAGE, LLC 1 6.50% $81
Prosperity Home Mortgage, LLC 1 6.63% $2,415
Regent Financial Group, Inc. 1 7.63% $4,913
V.I.P. MORTGAGE, INC. 1 6.50% $6,464
Wells Fargo Bank 1 6.88% $4,775
ALLIED MORTGAGE GROUP, INC. 1 7.88% $1,772
ZILLOW HOME LOANS, LLC 1 6.88% $5,623
AMERICAN FINANCIAL NETWORK, INC. 1 8.25% $7,937
Arvest Bank 1 5.38% $3,157
Bank of America 1 5.75% $7,203
BAY EQUITY LLC 1 6.50% $3,839
BETTER MORTGAGE CORPORATION 1 5.50% $8,816
Central National Bank 1 6.25% $2,862
Commerce Bank 1 6.13% $2,237
Community First National Bank 1 6.88% $2,714

Emporia Average Closing Costs & Other Stats

Emporia, KS's 43 lenders originated 408 loans during 2023. The total origination value was $70,680,000, with an average loan value of $173,235.

Emporia's average closing costs are $3,159.

The top Emporia lender as defined by loan originations is NBH Bank, with 50 loans originated. Their average total fees are $2,519, which is $724 higher than the next largest lender, ESB Financial.

The lowest fee Emporia lenders (with over 10 loans originated) are ESB Financial ($1,795), NBH Bank ($2,519), .

The lowest rate Emporia lenders (with over 10 loans originated) are ESB Financial (6.54%), NBH Bank (6.66%), .

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 2022 Loan Value 2023 Loan Value % Change 2023 Market Share
NBH Bank $18,915,000 $12,875,000 -31.9% 18.2%
ESB Financial $16,790,000 $11,755,000 -30.0% 16.6%
Community National Bank & Trust $3,120,000 $5,335,000 71.0% 7.5%
ORIX REAL ESTATE CAPITAL, LLC $2,265,000 $4,735,000 109.1% 6.7%
Equity Bank $3,245,000 n/a 4.6%
QUICKEN LOANS, LLC $5,610,000 $3,010,000 -46.3% 4.3%
VANDERBILT MORTGAGE AND FINANCE, INC. $2,005,000 n/a 2.8%
Farm Credit Mid-America, ACA $1,265,000 $1,870,000 47.8% 2.6%
FLINT HILLS BANK $1,525,000 n/a 2.2%
Farmers and Drovers Bank $260,000 $1,175,000 351.9% 1.7%
Citizens State Bank $1,080,000 n/a 1.5%
Intrust Bank $1,055,000 n/a 1.5%
Mortgage Research Center, LLC $1,105,000 $955,000 -13.6% 1.4%
UNITED WHOLESALE MORTGAGE, LLC $445,000 $835,000 87.6% 1.2%
Hawthorn Bank $605,000 n/a 0.9%
Capitol Federal Savings Bank $2,875,000 $590,000 -79.5% 0.8%
PENNYMAC LOAN SERVICES, LLC $485,000 $565,000 16.5% 0.8%
NAVY FEDERAL CREDIT UNION $1,025,000 $525,000 -48.8% 0.7%
Mr. Cooper ( Nationstar Mortgage ) $85,000 $500,000 488.2% 0.7%
LEADERONE FINANCIAL CORPORATION $85,000 $495,000 482.4% 0.7%
Mortgage Investment Services Corporation $1,400,000 $470,000 -66.4% 0.7%
U.S. Bank $470,000 n/a 0.7%
Members Mortgage Services, L.L.C. $505,000 $435,000 -13.9% 0.6%
NBKC BANK $400,000 n/a 0.6%
Arvest Bank $970,000 $395,000 -59.3% 0.6%
AMERISAVE MORTGAGE CORPORATION $380,000 n/a 0.5%
FLAT BRANCH MORTGAGE, INC. $380,000 n/a 0.5%
Mid-America Bank $370,000 n/a 0.5%
Community First National Bank $360,000 n/a 0.5%
Wells Fargo Bank $240,000 $360,000 50.0% 0.5%
PREMIA MORTGAGE, LLC $355,000 n/a 0.5%
GUARANTEED RATE, INC. $350,000 n/a 0.5%
Emprise Bank $90,000 $340,000 277.8% 0.5%
Pathway Bank $335,000 n/a 0.5%
Citizens Bank of Kansas $325,000 $320,000 -1.5% 0.5%
Landmark National Bank $290,000 $320,000 10.3% 0.5%
PLANET HOME LENDING, LLC $240,000 $285,000 18.8% 0.4%
V.I.P. MORTGAGE, INC. $285,000 n/a 0.4%
Discover Bank $275,000 n/a 0.4%
MORTGAGE ACCESS CORP. $275,000 n/a 0.4%
USAA Federal Savings Bank $655,000 $275,000 -58.0% 0.4%
AMERICAN FINANCIAL NETWORK, INC. $265,000 n/a 0.4%
Equity Prime Mortgage LLC $265,000 n/a 0.4%
Commerce Bank $55,000 $255,000 363.6% 0.4%
PRIMELENDING, A PLAINSCAPITAL COMPANY $160,000 $235,000 46.9% 0.3%
Fifth Third Bank $215,000 n/a 0.3%
BETTER MORTGAGE CORPORATION $205,000 n/a 0.3%
TRIAD FINANCIAL SERVICES, INC. $45,000 $200,000 344.4% 0.3%
ALLIED MORTGAGE GROUP, INC. $195,000 n/a 0.3%
ZILLOW HOME LOANS, LLC $390,000 $195,000 -50.0% 0.3%
The Kansas State Bank $190,000 n/a 0.3%
Bank of Bennington $185,000 n/a 0.3%
LYNDON STATE BANK $185,000 n/a 0.3%
SPRING EQ, LLC $175,000 n/a 0.2%
BAY EQUITY LLC $175,000 $165,000 -5.7% 0.2%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $535,000 $165,000 -69.2% 0.2%
MERITRUST Federal Credit Union $115,000 $150,000 30.4% 0.2%
MORIA DEVELOPMENT, INC. $145,000 n/a 0.2%
NETWORK CAPITAL FUNDING CORPORATION $145,000 n/a 0.2%
DEEPHAVEN MORTGAGE LLC $135,000 n/a 0.2%
Gateway First Bank $230,000 $135,000 -41.3% 0.2%
Bank of America $90,000 $125,000 38.9% 0.2%
BROKER SOLUTIONS, INC. $320,000 $125,000 -60.9% 0.2%
Central National Bank $320,000 $115,000 -64.1% 0.2%
NEW DAY FINANCIAL, LLC $115,000 n/a 0.2%
CROSSCOUNTRY MORTGAGE, LLC $615,000 $105,000 -82.9% 0.1%
FREEDOM MORTGAGE CORPORATION $350,000 $105,000 -70.0% 0.1%
Prosperity Home Mortgage, LLC $135,000 $105,000 -22.2% 0.1%
LAKEVIEW LOAN SERVICING, LLC $205,000 $95,000 -53.7% 0.1%
ROYAL UNITED MORTGAGE LLC $85,000 n/a 0.1%
Community National Bank $75,000 n/a 0.1%
First Bank $75,000 n/a 0.1%
Midwest Mortgage Associates Corporation $75,000 n/a 0.1%
Regent Financial Group, Inc. $65,000 n/a 0.1%
WHITE EAGLE Credit Union $65,000 n/a 0.1%
PNC Bank $25,000 $55,000 120.0% 0.1%
STAR USA FEDERAL CREDIT UNION $55,000 n/a 0.1%
Carrington Mortgage Services, LLC $45,000 n/a 0.1%
Figure Lending LLC $55,000 $45,000 -18.2% 0.1%
THE KAW VALLEY STATE BANK AND TRUST COMPANY, OF WAMEGO, KANSAS $35,000 n/a 0.0%
Coastal Community Bank $25,000 n/a 0.0%
BOKF $15,000 n/a 0.0%
The Citizens State Bank $5,000 n/a 0.0%

Emporia's top lender by overall market share is NBH Bank, with 18.2% market share. In second place, with 16.6%, is ESB Financial, having originated $11,755,000 in loans. In third place, with 7.5%, is Community National Bank & Trust, having originated $5,335,000 in loans. In fourth place, with 6.7%, is ORIX REAL ESTATE CAPITAL, LLC, having originated $4,735,000 in loans. In fifth place, with 4.6%, is Equity Bank, having originated $3,245,000 in loans.


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

Realtor.com - Emporia (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 $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
2023-09-01 $195,500 (-2.2%) $253,180 (4.3%) 0.00 38
2023-10-01 $185,000 (6.6%) $239,112 (2.8%) 0.00 43
2023-11-01 $167,500 (-25.1%) $241,114 (-1.7%) 0.00 34
2023-12-01 $169,000 (-17.6%) $230,050 (3.3%) 0.00 26
2024-01-01 $177,875 (-6.9%) $225,648 (-3.2%) 0.00 27
2024-02-01 $199,900 (0.0%) $210,254 (-30.5%) 0.00 26
2024-03-01 $194,900 (-1.9%) $197,357 (-34.5%) 0.00 28
2024-04-01 $174,900 (-2.8%) $206,383 (-22.6%) 0.00 27
2024-05-01 $182,400 (-12.1%) $248,055 (-9.9%) 0.00 32
2024-06-01 $179,900 (-12.7%) $253,389 (-7.1%) 0.00 38
Emporia's median listing price for 2024-06-01 was $179,900, a difference of $-26,050 (-12.7%) versus the prior year and $-2,500 versus the prior month.

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

Emporia's average listing price for 2024-06-01 was $253,389, a difference of $-19,298 (-7.1%) versus the prior year and $5,334 versus the prior month.

For the 2024-06-01 period, Emporia had 38 MLS listings, a difference of 6 listings (19%) versus the prior month and 8 listings (27%) versus the prior year.

Median Listing Time on Market & Square Footage

Realtor.com - Emporia (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Time on Market Median Square Footage
2018-01-01 0 days 1,585 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 1,656 sqft
2018-07-01 0 days 1,622 sqft
2018-08-01 0 days 1,597 sqft
2018-09-01 0 days 1,543 sqft
2018-10-01 0 days 1,525 sqft
2018-11-01 0 days 1,535 sqft
2018-12-01 0 days 1,577 sqft
2019-01-01 0 days 1,696 sqft
2019-02-01 0 days 1,610 sqft
2019-03-01 0 days 1,680 sqft
2019-04-01 0 days 1,735 sqft
2019-05-01 0 days 1,914 sqft
2019-06-01 0 days 1,872 sqft
2019-07-01 0 days 1,742 sqft
2019-08-01 0 days 1,766 sqft
2019-09-01 0 days 1,717 sqft
2019-10-01 0 days 1,631 sqft
2019-11-01 0 days 1,554 sqft
2019-12-01 0 days 1,547 sqft
2020-01-01 0 days 1,437 sqft
2020-02-01 0 days 1,352 sqft
2020-03-01 0 days 1,527 sqft
2020-04-01 0 days 1,567 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 1,616 sqft
2020-12-01 0 days 1,564 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
2023-09-01 0 days 1,906 sqft
2023-10-01 0 days 1,973 sqft
2023-11-01 0 days 1,921 sqft
2023-12-01 0 days 1,951 sqft
2024-01-01 0 days 1,726 sqft
2024-02-01 0 days 1,686 sqft
2024-03-01 0 days 1,516 sqft
2024-04-01 0 days 1,594 sqft
2024-05-01 0 days 1,754 sqft
2024-06-01 0 days 1,835 sqft
Emporia's median listing age (time on market) for 2024-06-01 was 0 days.

Emporia's median square footage for active listings during the 2024-06-01 period was 1,835 sqft. One year prior, the average listing was 1,882 sqft.

Emporia, KS Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 277 $48,655,000 $175,650
Refi 58 $16,730,000 $288,448
Home Improvement 30 $1,650,000 $55,000
Cash Out Refi 27 $2,735,000 $101,296
Other 16 $910,000 $56,875

Emporia's most frequently cited loan purpose was Home Purchase, with 277 originations. The 2nd most popular reason was Refi, with 58 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
6-7% 151 $25,235,000 $167,119
7-8% 82 $12,890,000 $157,195
Over 8% 74 $12,210,000 $165,000
5-6% 37 $6,055,000 $163,649
4-5% 3 $1,285,000 $428,333
<2.5% 1 $4,735,000 $4,735,000

During 2023, Emporia's most frequently originated rate bucket was 6-7%, with 151 originations.

Loan Sizing (Emporia, KS MSA)

Loan Size Originations Total Value Average Loan
$100k-200k 160 $23,010,000 $143,813
$100,000 or less 159 $8,625,000 $54,245
$200k-400k 75 $20,385,000 $271,800
$Over $1MM 7 $14,525,000 $2,075,000
$600k-1000k 4 $2,790,000 $697,500
$400k-600k 3 $1,345,000 $448,333

Emporia's loan sizing saw the bucket of loans from $100k-200k with 160 originations, totaling $23,010,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 169 $27,895,000 $165,059
60-80% 85 $17,775,000 $209,118
20-40% 33 $3,785,000 $114,697
40-60% 31 $3,935,000 $126,935
Under 20% 23 $725,000 $31,522
Over 100% 6 $8,290,000 $1,381,667

Emporia's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 169 originations, totaling $27,895,000 in origination value.