Fitzgerald Mortgage Rates & Closing Costs

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

    30 Year Fixed Rate mortgages in Fitzgerald averaged 6.67% for the week of 2025-02-13, compared to the national average of 6.87% for the same period.

    The average rate for the prior week (2025-02-06) was 6.89% and one month ago for the week of 2025-01-09, the average rate was 6.93%.

    Fitzgerald's average rate one year ago was 6.64%.

    For refis of the same type during the week of 2025-02-13, the average rate was 7.17%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2025-02-13 6.87%
    Fitzgerald 30 Year Fixed Rate 2025-02-13 6.67%
    Fitzgerald 30 Year Fixed Rate Refi 2025-02-13 7.17%
    Fitzgerald 15 Year Fixed Rate 2025-02-13 5.99%
    Fitzgerald 15 Year Fixed Rate Refi 2025-02-13 6.59%
    Fitzgerald 30 Year FHA 2025-02-13 6.52%
    Fitzgerald 30 Year FHA Refi 2025-02-13 6.32%
    Fitzgerald 30 Year USDA 2025-02-13 6.53%
    Fitzgerald 30 Year USDA Refi 2025-02-13 6.53%
    Fitzgerald 30 Year VA 2025-02-13 6.63%
    Fitzgerald 30 Year VA Refi 2025-02-13 6.33%
    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Fitzgerald, GA.

    Fitzgerald 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 Fitzgerald, GA 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
    QUICKEN LOANS, LLC 6 6.83% $6,015
    HOMESTAR FINANCIAL CORPORATION 2 7.06% $4,684
    Ameris Bank 1 6.63% $5,363
    BANKSOUTH MORTGAGE COMPANY, LLC 1 7.75% $5,609
    CANOPY MORTGAGE, LLC 1 6.63% $4,631
    Colony Bank 1 5.63% $4,875
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 1 8.38% $6,495
    Fifth Third Bank 1 6.49% $3,782
    First National Bank of America 1 9.75% $7,743
    GUARANTEED RATE, INC. 1 6.63% $5,072
    Midwest Mortgage Associates Corporation 1 7.25% $4,855
    Mortgage Research Center, LLC 1 6.38% $4,336
    Mr. Cooper ( Nationstar Mortgage ) 1 7.63% $6,305
    PRIMARY RESIDENTIAL MORTGAGE, INC. 1 6.13% $4,473
    PrimeSouth Bank 1 7.25% $575
    A&D Mortgage LLC 1 8.88% $14,972
    Renasant Bank 1 6.88% $3,746
    AMERISAVE MORTGAGE CORPORATION 1 6.88% $9,595

    Fitzgerald Average Closing Costs & Other Stats

    Fitzgerald, GA's 18 lenders originated 152 loans during 2023. The total origination value was $50,530,000, with an average loan value of $332,434.

    Fitzgerald's average closing costs are $4,742.

    The top Fitzgerald lender as defined by loan originations is QUICKEN LOANS, LLC, with 6 loans originated. Their average total fees are $6,015, which is $1,331 higher than the next largest lender, HOMESTAR FINANCIAL CORPORATION.

    The lowest fee Fitzgerald lenders (with over 10 loans originated) are .

    The lowest rate Fitzgerald lenders (with over 10 loans originated) are .

    Fitzgerald, GA 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
    Merchants Bank of Indiana $28,850,000 n/a 57.1%
    HOMESTAR FINANCIAL CORPORATION $4,675,000 $2,850,000 -39.0% 5.6%
    QUICKEN LOANS, LLC $3,875,000 $2,460,000 -36.5% 4.9%
    LIMA ONE CAPITAL, LLC $2,375,000 n/a 4.7%
    BANKSOUTH MORTGAGE COMPANY, LLC $145,000 $1,295,000 793.1% 2.6%
    Colony Bank $2,380,000 $1,265,000 -46.8% 2.5%
    Mortgage Research Center, LLC $685,000 $830,000 21.2% 1.6%
    UNITED WHOLESALE MORTGAGE, LLC $395,000 $660,000 67.1% 1.3%
    CANOPY MORTGAGE, LLC $485,000 n/a 1.0%
    Mr. Cooper ( Nationstar Mortgage ) $260,000 $455,000 75.0% 0.9%
    SHELTER HOME MORTGAGE, LLC $415,000 n/a 0.8%
    SUCCESS MORTGAGE PARTNERS, INC. $395,000 n/a 0.8%
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION $605,000 $390,000 -35.5% 0.8%
    MORTGAGE SOLUTIONS OF COLORADO, LLC $345,000 n/a 0.7%
    A&D Mortgage LLC $315,000 n/a 0.6%
    Ameris Bank $205,000 $315,000 53.7% 0.6%
    BROKER SOLUTIONS, INC. $395,000 $310,000 -21.5% 0.6%
    LOANDEPOT.COM, LLC $230,000 $305,000 32.6% 0.6%
    FREEDOM MORTGAGE CORPORATION $270,000 $285,000 5.6% 0.6%
    CREDIT HUMAN FEDERAL CREDIT UNION $265,000 n/a 0.5%
    USAA Federal Savings Bank $260,000 n/a 0.5%
    MOVEMENT MORTGAGE, LLC $220,000 $255,000 15.9% 0.5%
    MEGASTAR FINANCIAL CORP. $245,000 n/a 0.5%
    AMERICAN FINANCIAL RESOURCES, INC. $235,000 n/a 0.5%
    HOMEBRIDGE FINANCIAL SERVICES, INC. $235,000 n/a 0.5%
    JPMorgan Chase Bank $235,000 n/a 0.5%
    HomePromise Corporation $215,000 n/a 0.4%
    ACOPIA, LLC $355,000 $175,000 -50.7% 0.3%
    ATLANTIC BAY MORTGAGE GROUP, L.L.C. $170,000 n/a 0.3%
    PLANTERS FIRST BANK $185,000 $165,000 -10.8% 0.3%
    TOP FLITE FINANCIAL, INC. $165,000 n/a 0.3%
    UNION HOME MORTGAGE CORP. $165,000 n/a 0.3%
    AMERISAVE MORTGAGE CORPORATION $555,000 $155,000 -72.1% 0.3%
    Georgia Community Bank $155,000 n/a 0.3%
    Midwest Mortgage Associates Corporation $145,000 n/a 0.3%
    21ST MORTGAGE CORPORATION $530,000 $140,000 -73.6% 0.3%
    CROSSCOUNTRY MORTGAGE, LLC $45,000 $135,000 200.0% 0.3%
    GUARANTEED RATE, INC. $135,000 n/a 0.3%
    Renasant Bank $360,000 $135,000 -62.5% 0.3%
    SOUTHEASTERN Credit Union $135,000 $130,000 -3.7% 0.3%
    Commercial Banking Company $735,000 $125,000 -83.0% 0.2%
    South State Bank $215,000 $125,000 -41.9% 0.2%
    ANGEL OAK MORTGAGE SOLUTIONS LLC $115,000 n/a 0.2%
    VILLAGE CAPITAL MORTGAGE $135,000 $115,000 -14.8% 0.2%
    PrimeSouth Bank $85,000 $110,000 29.4% 0.2%
    First National Bank of America $105,000 n/a 0.2%
    MORTGAGE INVESTORS GROUP, INC. $725,000 $105,000 -85.5% 0.2%
    PENNYMAC LOAN SERVICES, LLC $315,000 $105,000 -66.7% 0.2%
    CMG MORTGAGE, INC. $100,000 n/a 0.2%
    Figure Lending LLC $45,000 $100,000 122.2% 0.2%
    FIRST NATIONAL BANK OF COFFEE COUNTY $95,000 n/a 0.2%
    LOANPAL, LLC $85,000 n/a 0.2%
    RELIANCE FIRST CAPITAL, LLC $85,000 n/a 0.2%
    PRIMARY RESIDENTIAL MORTGAGE, INC. $65,000 n/a 0.1%
    ROYAL UNITED MORTGAGE LLC $85,000 $65,000 -23.5% 0.1%
    Fifth Third Bank $60,000 n/a 0.1%
    Flagstar Bank, FSB $125,000 $55,000 -56.0% 0.1%
    Bank of America $35,000 n/a 0.1%

    Fitzgerald's top lender by overall market share is Merchants Bank of Indiana, with 57.1% market share. In second place, with 5.6%, is HOMESTAR FINANCIAL CORPORATION, having originated $2,850,000 in loans. In third place, with 4.9%, is QUICKEN LOANS, LLC, having originated $2,460,000 in loans. In fourth place, with 4.7%, is LIMA ONE CAPITAL, LLC, having originated $2,375,000 in loans. In fifth place, with 2.6%, is BANKSOUTH MORTGAGE COMPANY, LLC, having originated $1,295,000 in loans.

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

    Realtor.com - Fitzgerald (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 $109,900 (24.9%) $141,636 (17.9%) 0.00 46
    2018-02-01 $89,925 (1.6%) $126,202 (16.9%) 0.00 53
    2018-03-01 $89,950 (2.9%) $126,933 (16.2%) 0.00 51
    2018-04-01 $97,125 (8.0%) $125,382 (11.9%) 0.00 51
    2018-05-01 $89,999 (2.0%) $148,218 (42.2%) 0.00 56
    2018-06-01 $99,500 (10.6%) $157,254 (43.7%) 0.00 50
    2018-07-01 $99,500 (2.4%) $140,017 (24.0%) 0.00 53
    2018-08-01 $99,600 (1.0%) $125,909 (8.7%) 0.00 55
    2018-09-01 $99,500 (-0.4%) $128,106 (12.2%) 0.00 58
    2018-10-01 $99,500 (-6.0%) $125,127 (-8.3%) 0.00 54
    2018-11-01 $103,750 (-5.6%) $129,125 (-6.4%) 0.00 55
    2018-12-01 $97,200 (-11.6%) $132,750 (-4.0%) 0.00 59
    2019-01-01 $105,750 (-3.8%) $132,172 (-6.7%) 0.00 56
    2019-02-01 $116,250 (29.3%) $134,733 (6.8%) 0.00 56
    2019-03-01 $119,386 (32.7%) $133,696 (5.3%) 0.00 61
    2019-04-01 $119,900 (23.5%) $133,504 (6.5%) 0.00 59
    2019-05-01 $115,500 (28.3%) $130,567 (-11.9%) 0.00 54
    2019-06-01 $109,900 (10.5%) $118,740 (-24.5%) 0.00 55
    2019-07-01 $96,500 (-3.0%) $109,153 (-22.0%) 0.00 57
    2019-08-01 $97,305 (-2.3%) $114,334 (-9.2%) 0.00 59
    2019-09-01 $98,511 (-1.0%) $115,227 (-10.1%) 0.00 61
    2019-10-01 $99,091 (-0.4%) $117,950 (-5.7%) 0.00 63
    2019-11-01 $96,000 (-7.5%) $122,247 (-5.3%) 0.00 56
    2019-12-01 $98,000 (0.8%) $130,967 (-1.3%) 0.00 57
    2020-01-01 $92,900 (-12.2%) $125,892 (-4.8%) 0.00 60
    2020-02-01 $89,900 (-22.7%) $127,930 (-5.1%) 0.00 59
    2020-03-01 $95,500 (-20.0%) $138,514 (3.6%) 0.00 50
    2020-04-01 $103,250 (-13.9%) $141,395 (5.9%) 0.00 51
    2020-05-01 $107,000 (-7.4%) $136,522 (4.6%) 0.00 48
    2020-06-01 $121,675 (10.7%) $153,653 (29.4%) 0.00 48
    2020-07-01 $117,400 (21.7%) $161,388 (47.9%) 0.00 42
    2020-08-01 $92,500 (-4.9%) $144,098 (26.0%) 0.00 31
    2020-09-01 $99,100 (0.6%) $161,925 (40.5%) 0.00 28
    2020-10-01 $112,400 (13.4%) $161,594 (37.0%) 0.00 23
    2020-11-01 $119,900 (24.9%) $167,264 (36.8%) 0.00 28
    2020-12-01 $111,150 (13.4%) $139,529 (6.5%) 0.00 26
    2021-01-01 $119,900 (29.1%) $152,038 (20.8%) 0.00 20
    2021-02-01 $119,925 (33.4%) $157,117 (22.8%) 0.00 20
    2021-03-01 $112,000 (17.3%) $150,898 (8.9%) 0.00 17
    2021-04-01 $118,500 (14.8%) $176,793 (25.0%) 0.00 21
    2021-05-01 $125,000 (16.8%) $185,121 (35.6%) 0.00 21
    2021-06-01 $147,975 (21.6%) $202,258 (31.6%) 0.00 19
    2021-07-01 $146,950 (25.2%) $209,088 (29.6%) 0.00 15
    2021-08-01 $139,900 (51.2%) $189,293 (31.4%) 0.00 13
    2021-09-01 $152,175 (53.6%) $208,569 (28.8%) 0.00 14
    2021-10-01 $179,900 (60.1%) $233,267 (44.4%) 0.00 13
    2021-11-01 $189,900 (58.4%) $232,085 (38.8%) 0.00 22
    2021-12-01 $213,650 (92.2%) $252,897 (81.3%) 0.00 19
    2022-01-01 $209,900 (75.1%) $245,381 (61.4%) 0.00 21
    2022-02-01 $159,900 (33.3%) $220,003 (40.0%) 0.00 27
    2022-03-01 $151,950 (35.7%) $187,806 (24.5%) 0.00 24
    2022-04-01 $92,700 (-21.8%) $166,367 (-5.9%) 0.00 29
    2022-05-01 $144,150 (15.3%) $212,309 (14.7%) 0.00 25
    2022-06-01 $142,400 (-3.8%) $202,785 (0.3%) 0.00 34
    2022-07-01 $148,250 (0.9%) $206,146 (-1.4%) 0.00 29
    2022-08-01 $130,575 (-6.7%) $178,532 (-5.7%) 0.00 27
    2022-09-01 $148,675 (-2.3%) $175,981 (-15.6%) 0.00 27
    2022-10-01 $159,000 (-11.6%) $171,828 (-26.3%) 0.00 23
    2022-11-01 $159,500 (-16.0%) $186,648 (-19.6%) 0.00 28
    2022-12-01 $140,000 (-34.5%) $140,574 (-44.4%) 0.00 25
    2023-01-01 $139,900 (-33.4%) $148,383 (-39.5%) 0.00 33
    2023-02-01 $162,400 (1.6%) $186,748 (-15.1%) 0.00 33
    2023-03-01 $166,000 (9.3%) $189,719 (1.0%) 0.00 32
    2023-04-01 $184,000 (98.5%) $204,500 (22.9%) 0.00 27
    2023-05-01 $174,225 (20.9%) $215,311 (1.4%) 0.00 27
    2023-06-01 $168,000 (18.0%) $207,760 (2.5%) 0.00 20
    2023-07-01 $169,450 (14.3%) $211,270 (2.5%) 0.00 18
    2023-08-01 $165,700 (26.9%) $197,389 (10.6%) 0.00 22
    2023-09-01 $154,500 (3.9%) $175,115 (-0.5%) 0.00 24
    2023-10-01 $159,450 (0.3%) $175,508 (2.1%) 0.00 27
    2023-11-01 $189,850 (19.0%) $239,286 (28.2%) 0.00 27
    2023-12-01 $192,200 (37.3%) $269,028 (91.4%) 0.00 27
    2024-01-01 $202,923 (45.1%) $271,866 (83.2%) 0.00 29
    2024-02-01 $182,450 (12.4%) $243,907 (30.6%) 0.00 33
    2024-03-01 $189,900 (14.4%) $258,600 (36.3%) 0.00 30
    2024-04-01 $194,200 (5.5%) $241,138 (17.9%) 0.00 32
    2024-05-01 $210,825 (21.0%) $266,107 (23.6%) 0.00 27
    2024-06-01 $201,750 (20.1%) $265,979 (28.0%) 0.00 33
    2024-07-01 $201,750 (19.1%) $260,479 (23.3%) 0.00 31
    2024-08-01 $199,945 (20.7%) $261,343 (32.4%) 0.00 32
    2024-09-01 $199,470 (29.1%) $253,034 (44.5%) 0.00 37
    2024-10-01 $199,493 (25.1%) $242,459 (38.2%) 0.00 40
    2024-11-01 $208,800 (10.0%) $249,358 (4.2%) 0.00 42
    2024-12-01 $197,400 (2.7%) $256,721 (-4.6%) 0.00 31
    2025-01-01 $189,900 (-6.4%) $229,373 (-15.6%) 0.00 33
    Fitzgerald's median listing price for 2025-01-01 was $189,900, a difference of $-13,023 (-6.4%) versus the prior year and $-7,500 versus the prior month.

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

    Fitzgerald's average listing price for 2025-01-01 was $229,373, a difference of $-42,493 (-15.6%) versus the prior year and $-27,348 versus the prior month.

    For the 2025-01-01 period, Fitzgerald had 33 MLS listings, a difference of 2 listings (6%) versus the prior month and 4 listings (14%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Fitzgerald (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,805 sqft
    2018-02-01 0 days 1,671 sqft
    2018-03-01 0 days 1,696 sqft
    2018-04-01 0 days 1,781 sqft
    2018-05-01 0 days 1,727 sqft
    2018-06-01 0 days 1,805 sqft
    2018-07-01 0 days 1,743 sqft
    2018-08-01 0 days 1,831 sqft
    2018-09-01 0 days 1,727 sqft
    2018-10-01 0 days 1,776 sqft
    2018-11-01 0 days 1,806 sqft
    2018-12-01 0 days 1,799 sqft
    2019-01-01 0 days 1,721 sqft
    2019-02-01 0 days 1,757 sqft
    2019-03-01 0 days 1,798 sqft
    2019-04-01 0 days 1,798 sqft
    2019-05-01 0 days 1,855 sqft
    2019-06-01 0 days 1,849 sqft
    2019-07-01 0 days 1,853 sqft
    2019-08-01 0 days 1,786 sqft
    2019-09-01 0 days 1,699 sqft
    2019-10-01 0 days 1,681 sqft
    2019-11-01 0 days 1,712 sqft
    2019-12-01 0 days 1,797 sqft
    2020-01-01 0 days 1,756 sqft
    2020-02-01 0 days 1,780 sqft
    2020-03-01 0 days 1,795 sqft
    2020-04-01 0 days 1,748 sqft
    2020-05-01 0 days 1,645 sqft
    2020-06-01 0 days 1,813 sqft
    2020-07-01 0 days 1,791 sqft
    2020-08-01 0 days 1,642 sqft
    2020-09-01 0 days 1,613 sqft
    2020-10-01 0 days 1,814 sqft
    2020-11-01 0 days 1,935 sqft
    2020-12-01 0 days 1,805 sqft
    2021-01-01 0 days 2,042 sqft
    2021-02-01 0 days 2,042 sqft
    2021-03-01 0 days 1,518 sqft
    2021-04-01 0 days 1,516 sqft
    2021-05-01 0 days 1,574 sqft
    2021-06-01 0 days 1,620 sqft
    2021-07-01 0 days 1,868 sqft
    2021-08-01 0 days 1,902 sqft
    2021-09-01 0 days 1,931 sqft
    2021-10-01 0 days 2,012 sqft
    2021-11-01 0 days 1,796 sqft
    2021-12-01 0 days 1,875 sqft
    2022-01-01 0 days 1,964 sqft
    2022-02-01 0 days 1,996 sqft
    2022-03-01 0 days 1,774 sqft
    2022-04-01 0 days 1,731 sqft
    2022-05-01 0 days 1,617 sqft
    2022-06-01 0 days 1,946 sqft
    2022-07-01 0 days 1,868 sqft
    2022-08-01 0 days 1,773 sqft
    2022-09-01 0 days 1,704 sqft
    2022-10-01 0 days 1,527 sqft
    2022-11-01 0 days 1,704 sqft
    2022-12-01 0 days 1,586 sqft
    2023-01-01 0 days 1,729 sqft
    2023-02-01 0 days 1,833 sqft
    2023-03-01 0 days 1,791 sqft
    2023-04-01 0 days 1,941 sqft
    2023-05-01 0 days 1,778 sqft
    2023-06-01 0 days 1,861 sqft
    2023-07-01 0 days 2,220 sqft
    2023-08-01 0 days 1,865 sqft
    2023-09-01 0 days 1,706 sqft
    2023-10-01 0 days 1,711 sqft
    2023-11-01 0 days 1,928 sqft
    2023-12-01 0 days 1,962 sqft
    2024-01-01 0 days 1,883 sqft
    2024-02-01 0 days 1,662 sqft
    2024-03-01 0 days 1,592 sqft
    2024-04-01 0 days 1,626 sqft
    2024-05-01 0 days 1,686 sqft
    2024-06-01 0 days 1,760 sqft
    2024-07-01 0 days 1,780 sqft
    2024-08-01 0 days 1,824 sqft
    2024-09-01 0 days 1,805 sqft
    2024-10-01 0 days 1,804 sqft
    2024-11-01 0 days 1,770 sqft
    2024-12-01 0 days 1,698 sqft
    2025-01-01 0 days 1,659 sqft
    Fitzgerald's median listing age (time on market) for 2025-01-01 was 0 days.

    Fitzgerald's median square footage for active listings during the 2025-01-01 period was 1,659 sqft. One year prior, the average listing was 1,883 sqft.

    Fitzgerald, GA Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 91 $16,345,000 $179,615
    Refi 27 $30,045,000 $1,112,778
    Cash Out Refi 23 $3,375,000 $146,739
    Home Improvement 8 $540,000 $67,500
    Other 3 $225,000 $75,000

    Fitzgerald's most frequently cited loan purpose was Home Purchase, with 91 originations. The 2nd most popular reason was Refi, with 27 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    6-7% 54 $8,240,000 $152,593
    Over 8% 35 $33,075,000 $945,000
    7-8% 31 $4,635,000 $149,516
    5-6% 21 $3,905,000 $185,952
    <2.5% 2 $30,000 $15,000

    During 2023, Fitzgerald's most frequently originated rate bucket was 6-7%, with 54 originations.

    Loan Sizing (Fitzgerald, GA MSA)

    Loan Size Originations Total Value Average Loan
    $100,000 or less 60 $3,240,000 $54,000
    $100k-200k 60 $8,230,000 $137,167
    $200k-400k 27 $6,995,000 $259,074
    $Over $1MM 3 $31,225,000 $10,408,333
    $400k-600k 2 $840,000 $420,000

    Fitzgerald's loan sizing saw the bucket of loans from $100,000 or less with 60 originations, totaling $3,240,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 70 $11,810,000 $168,714
    60-80% 28 $3,850,000 $137,500
    40-60% 18 $20,490,000 $1,138,333
    20-40% 14 $12,960,000 $925,714
    Under 20% 12 $330,000 $27,500
    Over 100% 2 $460,000 $230,000

    Fitzgerald's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 70 originations, totaling $11,810,000 in origination value.