Emporia 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 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%
    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 2022 Avg. 30yFix Rate 2022 Avg. Closing Costs
    NBH Bank 41 5.30% $1,732
    ESB Financial 32 5.20% $1,789
    QUICKEN LOANS, LLC 20 4.93% $4,867
    Capitol Federal Savings Bank 11 4.76% $1,966
    Community National Bank & Trust 6 4.46% $2,097
    Farm Credit Mid-America, ACA 5 5.57% $6,530
    Mortgage Investment Services Corporation 3 6.33% $2,051
    Central National Bank 2 5.56% $1,193
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 2 4.88% $2,998
    JPMorgan Chase Bank 2 6.06% $4,837
    FINANCE OF AMERICA MORTGAGE LLC 1 6.13% $6,038
    First State Bank of St. Charles, Missouri 1 4.63% $3,653
    FREEDOM MORTGAGE CORPORATION 1 3.75% $4,227
    HEARTLAND CREDIT UNION 1 3.50% $1,780
    Landmark National Bank 1 5.88% $1,981
    LEADERONE FINANCIAL CORPORATION 1 6.25% $5,898
    LOANDEPOT.COM, LLC 1 4.88% $4,493
    LOANPAL, LLC 1 4.13% $5,405
    NAVY FEDERAL CREDIT UNION 1 2.88% $2,080
    NUMARK CREDIT UNION 1 5.50% $2,419
    OPEN MORTGAGE, LLC 1 3.99% $3,234
    Prosperity Home Mortgage, LLC 1 7.13% $2,446
    PURDUE FEDERAL CREDIT UNION 1 5.25% $2,062
    The Huntington National Bank 1 5.58% $7,732
    UNITED WHOLESALE MORTGAGE, LLC 1 6.50% $5,092
    USAA Federal Savings Bank 1 5.75% $2,605
    Wells Fargo Bank 1 7.63% $4,660
    Arvest Bank 1 6.13% $4,764
    ZILLOW HOME LOANS, LLC 1 5.63% $4,063
    Bank of America 1 2.88% $3,169
    Bank of the West 1 5.13% $4,615
    BAY EQUITY LLC 1 6.50% $6,167
    BROKER SOLUTIONS, INC. 1 5.63% $6,763
    COMMUNITYAMERICA 1 5.38% $2,668
    CoreFirst Bank & Trust 1 3.13% $2,185
    CROSSCOUNTRY MORTGAGE, LLC 1 3.99% $3,112
    DELMAR FINANCIAL COMPANY 1 5.88% $4,911
    EVERETT FINANCIAL, INC. 1 5.99% $1,343

    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. 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
    Emporia's median listing price for 2023-08-01 was $223,650, a difference of $45,900 (25.8%) versus the prior year and $2,200 versus the prior month.

    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. 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 1,647 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 listing age (time on market) for 2023-08-01 was 0 days.

    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.