Garden City 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 Garden City averaged 6.75% for the week of 2025-07-10, compared to the national average of 6.72% for the same period.

    The average rate for the prior week (2025-07-03) was 6.8% and one month ago for the week of 2025-06-05, the average rate was 6.68%.

    Garden City's average rate one year ago was 7.18%.

    For refis of the same type during the week of 2025-07-10, the average rate was 7.02%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2025-07-10 6.72%
    Garden City 30 Year Fixed Rate 2025-07-10 6.75%
    Garden City 30 Year Fixed Rate Refi 2025-07-10 7.02%
    Garden City 15 Year Fixed Rate 2025-07-10 5.96%
    Garden City 15 Year Fixed Rate Refi 2025-07-10 6.36%
    Garden City 30 Year FHA 2025-07-10 6.32%
    Garden City 30 Year FHA Refi 2025-07-10 6.32%
    Garden City 30 Year USDA 2025-07-10 6.55%
    Garden City 30 Year USDA Refi 2025-07-10 6.35%
    Garden City 30 Year VA 2025-07-10 6.27%
    Garden City 30 Year VA Refi 2025-07-10 6.17%
    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Garden City, KS.

    Garden City 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 Garden City, 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 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    GOLDEN PLAINS 38 6.55% $1,674
    QUICKEN LOANS, LLC 13 6.82% $6,033
    Commerce Bank 4 7.03% $3,188
    GUARANTEED RATE, INC. 3 7.21% $4,285
    Deere Employees Credit Union 3 6.96% $3,341
    UNITED WHOLESALE MORTGAGE, LLC 3 7.03% $3,629
    Equity Bank 2 7.12% $3,041
    LEADERONE FINANCIAL CORPORATION 2 6.94% $6,995
    JPMorgan Chase Bank 2 6.44% $3,423
    SIRVA MORTGAGE, INC. 1 6.38% $0
    UMB Bank 1 6.99% $2,916
    U.S. Bank 1 6.88% $1,810
    AMERICAN FINANCING CORPORATION 1 6.25% $6,330
    Wells Fargo Bank 1 6.63% $3,112
    AMERISAVE MORTGAGE CORPORATION 1 7.99% $9,303
    Armed Forces Bank 1 6.88% $1,756
    Farmers Bank & Trust 1 6.38% $5,419
    FLAT BRANCH MORTGAGE, INC. 1 7.50% $2,847
    PREMIA MORTGAGE, LLC 1 6.38% $0
    PRIMELENDING, A PLAINSCAPITAL COMPANY 1 7.88% $3,796
    Regent Financial Group, Inc. 1 6.38% $1,231
    ROYAL UNITED MORTGAGE LLC 1 6.38% $8,239

    Garden City Average Closing Costs & Other Stats

    Garden City, KS's 22 lenders originated 324 loans during 2024. The total origination value was $53,470,000, with an average loan value of $165,031.

    Garden City's average closing costs are $3,815.

    The top Garden City lender as defined by loan originations is GOLDEN PLAINS, with 38 loans originated. Their average total fees are $1,674, which is $4,359 lower than the next largest lender, QUICKEN LOANS, LLC.

    The lowest fee Garden City lenders (with over 10 loans originated) are GOLDEN PLAINS ($1,674), QUICKEN LOANS, LLC ($6,033), .

    The lowest rate Garden City lenders (with over 10 loans originated) are GOLDEN PLAINS (6.55%), QUICKEN LOANS, LLC (6.82%), .

    Garden City, 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 2023 Loan Value 2024 Loan Value % Change 2024 Market Share
    GOLDEN PLAINS $15,195,000 $12,605,000 -17.0% 23.6%
    QUICKEN LOANS, LLC $6,115,000 $6,260,000 2.4% 11.7%
    Wells Fargo Bank $510,000 $5,800,000 1,037.3% 10.8%
    GUARANTEED RATE, INC. $3,560,000 $3,950,000 11.0% 7.4%
    UNITED WHOLESALE MORTGAGE, LLC $285,000 $3,280,000 1,050.9% 6.1%
    Equity Bank $540,000 $1,755,000 225.0% 3.3%
    Commerce Bank $1,225,000 $1,680,000 37.1% 3.1%
    UMB Bank $1,370,000 $1,580,000 15.3% 3.0%
    Mortgage Research Center, LLC $2,425,000 $1,380,000 -43.1% 2.6%
    FLAT BRANCH MORTGAGE, INC. $370,000 $1,210,000 227.0% 2.3%
    Landmark National Bank $4,920,000 $935,000 -81.0% 1.7%
    LOANDEPOT.COM, LLC $855,000 n/a 1.6%
    Paramount Residential Mortgage Group, Inc. $365,000 $765,000 109.6% 1.4%
    U.S. Bank $705,000 n/a 1.3%
    Deere Employees Credit Union $460,000 $615,000 33.7% 1.2%
    LEADERONE FINANCIAL CORPORATION $530,000 n/a 1.0%
    PENNYMAC LOAN SERVICES, LLC $410,000 $485,000 18.3% 0.9%
    PLANET HOME LENDING, LLC $460,000 n/a 0.9%
    PRIMELENDING, A PLAINSCAPITAL COMPANY $450,000 $430,000 -4.4% 0.8%
    SeaTrust Mortgage Company $420,000 n/a 0.8%
    FREEDOM MORTGAGE CORPORATION $560,000 $410,000 -26.8% 0.8%
    JPMorgan Chase Bank $3,825,000 $340,000 -91.1% 0.6%
    MUTUAL OF OMAHA MORTGAGE, INC. $340,000 n/a 0.6%
    UNION HOME MORTGAGE CORP. $570,000 $305,000 -46.5% 0.6%
    Carrington Mortgage Services, LLC $300,000 n/a 0.6%
    Mr. Cooper ( Nationstar Mortgage ) $525,000 $290,000 -44.8% 0.5%
    SIRVA MORTGAGE, INC. $285,000 n/a 0.5%
    NEWREZ LLC $225,000 $275,000 22.2% 0.5%
    21ST MORTGAGE CORPORATION $125,000 $265,000 112.0% 0.5%
    Farmers Bank & Trust $255,000 n/a 0.5%
    PROVIDENT FUNDING ASSOCIATES, L.P. $255,000 n/a 0.5%
    Bank of America $60,000 $250,000 316.7% 0.5%
    Sierra Pacific Mortgage Company, Inc. $235,000 n/a 0.4%
    ROYAL UNITED MORTGAGE LLC $75,000 $220,000 193.3% 0.4%
    AMERISAVE MORTGAGE CORPORATION $670,000 $215,000 -67.9% 0.4%
    PREMIA MORTGAGE, LLC $215,000 n/a 0.4%
    Mortgage Investment Services Corporation $205,000 n/a 0.4%
    ZILLOW HOME LOANS, LLC $195,000 n/a 0.4%
    Discover Bank $320,000 $175,000 -45.3% 0.3%
    Regent Financial Group, Inc. $165,000 n/a 0.3%
    BROKER SOLUTIONS, INC. $155,000 $155,000 0.0% 0.3%
    TOP FLITE FINANCIAL, INC. $155,000 n/a 0.3%
    Armed Forces Bank $145,000 n/a 0.3%
    The Bennington State Bank $145,000 n/a 0.3%
    LOANPAL, LLC $195,000 $125,000 -35.9% 0.2%
    AMERICAN FINANCING CORPORATION $95,000 n/a 0.2%
    AMERICAN HERITAGE LENDING, INC. $85,000 n/a 0.2%
    SPRING EQ, LLC $75,000 n/a 0.1%
    Figure Lending LLC $25,000 $65,000 160.0% 0.1%
    Bethpage Federal Credit Union $45,000 n/a 0.1%
    Great Plains Federal Credit Un $25,000 $45,000 80.0% 0.1%
    NAVY FEDERAL CREDIT UNION $265,000 $25,000 -90.6% 0.0%

    Garden City's top lender by overall market share is GOLDEN PLAINS, with 23.6% market share. In second place, with 11.7%, is QUICKEN LOANS, LLC, having originated $6,260,000 in loans. In third place, with 10.8%, is Wells Fargo Bank, having originated $5,800,000 in loans. In fourth place, with 7.4%, is GUARANTEED RATE, INC., having originated $3,950,000 in loans. In fifth place, with 6.1%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $3,280,000 in loans.

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

    Realtor.com - Garden City (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 $210,500 (-2.0%) $243,729 (3.1%) 0.00 74
    2018-02-01 $213,750 (-0.5%) $247,490 (0.3%) 0.00 71
    2018-03-01 $215,000 (-5.4%) $250,785 (-0.2%) 0.00 67
    2018-04-01 $212,225 (-2.5%) $244,789 (-2.9%) 0.00 65
    2018-05-01 $214,000 (-5.5%) $244,693 (-8.3%) 0.00 71
    2018-06-01 $217,700 (-1.3%) $241,808 (-9.0%) 0.00 72
    2018-07-01 $219,700 (-1.9%) $253,772 (-6.6%) 0.00 72
    2018-08-01 $219,950 (-4.1%) $252,109 (-5.6%) 0.00 63
    2018-09-01 $219,950 (-2.2%) $263,710 (1.6%) 0.00 59
    2018-10-01 $222,175 (1.1%) $257,755 (0.2%) 0.00 69
    2018-11-01 $229,950 (5.7%) $266,612 (5.1%) 0.00 66
    2018-12-01 $229,700 (4.9%) $256,708 (1.3%) 0.00 67
    2019-01-01 $194,750 (-7.5%) $237,793 (-2.4%) 0.00 69
    2019-02-01 $221,250 (3.5%) $246,495 (-0.4%) 0.00 63
    2019-03-01 $222,457 (3.5%) $253,431 (1.1%) 0.00 61
    2019-04-01 $217,082 (2.3%) $244,010 (-0.3%) 0.00 64
    2019-05-01 $207,900 (-2.9%) $228,649 (-6.6%) 0.00 80
    2019-06-01 $196,900 (-9.6%) $236,081 (-2.4%) 0.00 76
    2019-07-01 $209,500 (-4.6%) $268,093 (5.6%) 0.00 87
    2019-08-01 $220,155 (0.1%) $269,268 (6.8%) 0.00 89
    2019-09-01 $236,886 (7.7%) $270,056 (2.4%) 0.00 93
    2019-10-01 $248,041 (11.6%) $270,854 (5.1%) 0.00 95
    2019-11-01 $245,950 (7.0%) $253,623 (-4.9%) 0.00 91
    2019-12-01 $239,950 (4.5%) $247,418 (-3.6%) 0.00 84
    2020-01-01 $239,950 (23.2%) $245,794 (3.4%) 0.00 79
    2020-02-01 $218,500 (-1.2%) $238,216 (-3.4%) 0.00 64
    2020-03-01 $217,075 (-2.4%) $235,505 (-7.1%) 0.00 66
    2020-04-01 $196,925 (-9.3%) $229,161 (-6.1%) 0.00 69
    2020-05-01 $223,000 (7.3%) $243,641 (6.6%) 0.00 65
    2020-06-01 $225,500 (14.5%) $248,173 (5.1%) 0.00 51
    2020-07-01 $236,950 (13.1%) $247,724 (-7.6%) 0.00 40
    2020-08-01 $255,000 (15.8%) $262,412 (-2.6%) 0.00 33
    2020-09-01 $229,950 (-2.9%) $250,153 (-7.4%) 0.00 34
    2020-10-01 $244,950 (-1.3%) $262,721 (-3.0%) 0.00 35
    2020-11-01 $242,725 (-1.3%) $274,047 (8.1%) 0.00 42
    2020-12-01 $229,000 (-4.6%) $250,554 (1.3%) 0.00 47
    2021-01-01 $232,900 (-2.9%) $259,219 (5.5%) 0.00 44
    2021-02-01 $243,950 (11.7%) $268,702 (12.8%) 0.00 41
    2021-03-01 $249,925 (15.1%) $271,737 (15.4%) 0.00 31
    2021-04-01 $241,175 (22.5%) $270,114 (17.9%) 0.00 26
    2021-05-01 $250,000 (12.1%) $272,174 (11.7%) 0.00 22
    2021-06-01 $245,475 (8.9%) $253,902 (2.3%) 0.00 17
    2021-07-01 $252,450 (6.5%) $283,409 (14.4%) 0.00 27
    2021-08-01 $243,000 (-4.7%) $298,128 (13.6%) 0.00 28
    2021-09-01 $227,225 (-1.2%) $302,153 (20.8%) 0.00 26
    2021-10-01 $225,000 (-8.1%) $296,445 (12.8%) 0.00 25
    2021-11-01 $233,250 (-3.9%) $294,260 (7.4%) 0.00 27
    2021-12-01 $224,200 (-2.1%) $289,585 (15.6%) 0.00 23
    2022-01-01 $193,450 (-16.9%) $280,418 (8.2%) 0.00 25
    2022-02-01 $253,475 (3.9%) $295,223 (9.9%) 0.00 26
    2022-03-01 $254,950 (2.0%) $283,131 (4.2%) 0.00 24
    2022-04-01 $265,000 (9.9%) $285,259 (5.6%) 0.00 24
    2022-05-01 $266,250 (6.5%) $302,723 (11.2%) 0.00 30
    2022-06-01 $284,450 (15.9%) $315,078 (24.1%) 0.00 42
    2022-07-01 $322,250 (27.7%) $374,870 (32.3%) 0.00 40
    2022-08-01 $336,125 (38.3%) $378,907 (27.1%) 0.00 44
    2022-09-01 $334,750 (47.3%) $374,850 (24.1%) 0.00 43
    2022-10-01 $311,788 (38.6%) $347,985 (17.4%) 0.00 47
    2022-11-01 $299,900 (28.6%) $324,667 (10.3%) 0.00 43
    2022-12-01 $295,000 (31.6%) $305,830 (5.6%) 0.00 36
    2023-01-01 $269,425 (39.3%) $284,596 (1.5%) 0.00 40
    2023-02-01 $269,900 (6.5%) $274,098 (-7.2%) 0.00 46
    2023-03-01 $278,450 (9.2%) $282,396 (-0.3%) 0.00 49
    2023-04-01 $267,900 (1.1%) $278,527 (-2.4%) 0.00 48
    2023-05-01 $266,150 (0.0%) $285,400 (-5.7%) 0.00 52
    2023-06-01 $263,975 (-7.2%) $281,147 (-10.8%) 0.00 62
    2023-07-01 $267,450 (-17.0%) $282,298 (-24.7%) 0.00 54
    2023-08-01 $269,975 (-19.7%) $283,277 (-25.2%) 0.00 57
    2023-09-01 $289,900 (-13.4%) $289,330 (-22.8%) 0.00 57
    2023-10-01 $287,500 (-7.8%) $287,788 (-17.3%) 0.00 71
    2023-11-01 $290,725 (-3.1%) $286,425 (-11.8%) 0.00 79
    2023-12-01 $285,000 (-3.4%) $284,749 (-6.9%) 0.00 80
    2024-01-01 $287,500 (6.7%) $284,310 (-0.1%) 0.00 82
    2024-02-01 $282,400 (4.6%) $282,818 (3.2%) 0.00 79
    2024-03-01 $285,000 (2.4%) $288,218 (2.1%) 0.00 81
    2024-04-01 $288,500 (7.7%) $295,052 (5.9%) 0.00 86
    2024-05-01 $289,900 (8.9%) $315,350 (10.5%) 0.00 86
    2024-06-01 $287,000 (8.7%) $305,868 (8.8%) 0.00 108
    2024-07-01 $283,475 (6.0%) $301,881 (6.9%) 0.00 102
    2024-08-01 $291,250 (7.9%) $303,747 (7.2%) 0.00 103
    2024-09-01 $295,450 (1.9%) $301,986 (4.4%) 0.00 99
    2024-10-01 $294,900 (2.6%) $312,956 (8.8%) 0.00 93
    2024-11-01 $295,500 (1.6%) $319,218 (11.5%) 0.00 97
    2024-12-01 $298,125 (4.6%) $336,293 (18.1%) 0.00 97
    2025-01-01 $291,225 (1.3%) $334,689 (17.7%) 0.00 91
    2025-02-01 $285,225 (1.0%) $326,387 (15.4%) 0.00 100
    2025-03-01 $290,000 (1.8%) $334,331 (16.0%) 0.00 89
    2025-04-01 $312,250 (8.2%) $365,921 (24.0%) 0.00 82
    2025-05-01 $299,900 (3.5%) $358,913 (13.8%) 0.00 92
    2025-06-01 $299,900 (4.5%) $353,561 (15.6%) 0.00 96
    Garden City's median listing price for 2025-06-01 was $299,900, a difference of $12,900 (4.5%) versus the prior year and $0 versus the prior month.

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

    Garden City's average listing price for 2025-06-01 was $353,561, a difference of $47,693 (15.6%) versus the prior year and $-5,352 versus the prior month.

    For the 2025-06-01 period, Garden City had 96 MLS listings, a difference of 4 listings (4%) versus the prior month and -12 listings (-11%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Garden City (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,453 sqft
    2018-02-01 0 days 1,415 sqft
    2018-03-01 0 days 1,392 sqft
    2018-04-01 0 days 1,371 sqft
    2018-05-01 0 days 1,437 sqft
    2018-06-01 0 days 1,480 sqft
    2018-07-01 0 days 1,511 sqft
    2018-08-01 0 days 1,500 sqft
    2018-09-01 0 days 1,506 sqft
    2018-10-01 0 days 1,540 sqft
    2018-11-01 0 days 1,608 sqft
    2018-12-01 0 days 1,664 sqft
    2019-01-01 0 days 1,429 sqft
    2019-02-01 0 days 1,431 sqft
    2019-03-01 0 days 1,514 sqft
    2019-04-01 0 days 1,507 sqft
    2019-05-01 0 days 1,369 sqft
    2019-06-01 0 days 1,423 sqft
    2019-07-01 0 days 1,496 sqft
    2019-08-01 0 days 1,455 sqft
    2019-09-01 0 days 1,393 sqft
    2019-10-01 0 days 1,356 sqft
    2019-11-01 0 days 1,418 sqft
    2019-12-01 0 days 1,379 sqft
    2020-01-01 0 days 1,372 sqft
    2020-02-01 0 days 1,407 sqft
    2020-03-01 0 days 1,388 sqft
    2020-04-01 0 days 1,359 sqft
    2020-05-01 0 days 1,383 sqft
    2020-06-01 0 days 1,386 sqft
    2020-07-01 0 days 1,450 sqft
    2020-08-01 0 days 1,516 sqft
    2020-09-01 0 days 1,453 sqft
    2020-10-01 0 days 1,419 sqft
    2020-11-01 0 days 1,445 sqft
    2020-12-01 0 days 1,344 sqft
    2021-01-01 0 days 1,346 sqft
    2021-02-01 0 days 1,355 sqft
    2021-03-01 0 days 1,407 sqft
    2021-04-01 0 days 1,476 sqft
    2021-05-01 0 days 1,384 sqft
    2021-06-01 0 days 1,395 sqft
    2021-07-01 0 days 1,367 sqft
    2021-08-01 0 days 1,357 sqft
    2021-09-01 0 days 1,411 sqft
    2021-10-01 0 days 1,474 sqft
    2021-11-01 0 days 1,373 sqft
    2021-12-01 0 days 1,363 sqft
    2022-01-01 0 days 1,334 sqft
    2022-02-01 0 days 1,526 sqft
    2022-03-01 0 days 1,380 sqft
    2022-04-01 0 days 1,372 sqft
    2022-05-01 0 days 1,347 sqft
    2022-06-01 0 days 1,380 sqft
    2022-07-01 0 days 1,402 sqft
    2022-08-01 0 days 1,519 sqft
    2022-09-01 0 days 1,513 sqft
    2022-10-01 0 days 1,489 sqft
    2022-11-01 0 days 1,470 sqft
    2022-12-01 0 days 1,380 sqft
    2023-01-01 0 days 1,373 sqft
    2023-02-01 0 days 1,349 sqft
    2023-03-01 0 days 1,367 sqft
    2023-04-01 0 days 1,364 sqft
    2023-05-01 0 days 1,402 sqft
    2023-06-01 0 days 1,318 sqft
    2023-07-01 0 days 1,371 sqft
    2023-08-01 0 days 1,343 sqft
    2023-09-01 0 days 1,345 sqft
    2023-10-01 0 days 1,283 sqft
    2023-11-01 0 days 1,314 sqft
    2023-12-01 0 days 1,310 sqft
    2024-01-01 0 days 1,320 sqft
    2024-02-01 0 days 1,318 sqft
    2024-03-01 0 days 1,332 sqft
    2024-04-01 0 days 1,355 sqft
    2024-05-01 0 days 1,391 sqft
    2024-06-01 0 days 1,377 sqft
    2024-07-01 0 days 1,375 sqft
    2024-08-01 0 days 1,335 sqft
    2024-09-01 0 days 1,342 sqft
    2024-10-01 0 days 1,380 sqft
    2024-11-01 0 days 1,344 sqft
    2024-12-01 0 days 1,344 sqft
    2025-01-01 0 days 1,308 sqft
    2025-02-01 0 days 1,305 sqft
    2025-03-01 0 days 1,334 sqft
    2025-04-01 0 days 1,373 sqft
    2025-05-01 0 days 1,334 sqft
    2025-06-01 0 days 1,337 sqft
    Garden City's median listing age (time on market) for 2025-06-01 was 0 days.

    Garden City's median square footage for active listings during the 2025-06-01 period was 1,337 sqft. One year prior, the average listing was 1,377 sqft.

    Garden City, KS Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 182 $34,550,000 $189,835
    Other 56 $3,090,000 $55,179
    Cash Out Refi 43 $6,035,000 $140,349
    Home Improvement 23 $1,265,000 $55,000
    Refi 20 $8,530,000 $426,500

    Garden City's most frequently cited loan purpose was Home Purchase, with 182 originations. The 2nd most popular reason was Other, with 56 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    6-7% 159 $27,305,000 $171,730
    7-8% 66 $9,230,000 $139,848
    Over 8% 48 $3,110,000 $64,792
    5-6% 33 $12,125,000 $367,424
    4-5% 11 $1,115,000 $101,364
    <2.5% 3 $15,000 $5,000
    2.5-3% 2 $110,000 $55,000

    During 2024, Garden City's most frequently originated rate bucket was 6-7%, with 159 originations.

    Loan Sizing (Garden City, KS MSA)

    Loan Size Originations Total Value Average Loan
    $100,000 or less 129 $6,365,000 $49,341
    $200k-400k 100 $25,670,000 $256,700
    $100k-200k 91 $14,455,000 $158,846
    $400k-600k 2 $950,000 $475,000
    $600k-1000k 1 $705,000 $705,000
    $Over $1MM 1 $5,325,000 $5,325,000

    Garden City's loan sizing saw the bucket of loans from $100,000 or less with 129 originations, totaling $6,365,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 129 $28,625,000 $221,899
    20-40% 65 $4,335,000 $66,692
    Under 20% 53 $1,795,000 $33,868
    60-80% 45 $8,115,000 $180,333
    40-60% 24 $8,790,000 $366,250
    Over 100% 3 $705,000 $235,000

    Garden City's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 129 originations, totaling $28,625,000 in origination value.