Hays 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 Hays averaged 6.56% 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 6.58% and one month ago for the week of 2025-01-09, the average rate was 6.42%.

    Hays's average rate one year ago was 6.43%.

    For refis of the same type during the week of 2025-02-13, the average rate was 7.37%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2025-02-13 6.87%
    Hays 30 Year Fixed Rate 2025-02-13 6.56%
    Hays 30 Year Fixed Rate Refi 2025-02-13 7.37%
    Hays 15 Year Fixed Rate 2025-02-13 6.19%
    Hays 15 Year Fixed Rate Refi 2025-02-13 6.49%
    Hays 30 Year FHA 2025-02-13 6.42%
    Hays 30 Year FHA Refi 2025-02-13 6.82%
    Hays 30 Year USDA 2025-02-13 6.53%
    Hays 30 Year USDA Refi 2025-02-13 6.63%
    Hays 30 Year VA 2025-02-13 6.23%
    Hays 30 Year VA Refi 2025-02-13 6.53%
    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Hays, KS.

    Hays 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 Hays, 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
    GOLDEN PLAINS 31 6.33% $2,397
    Sunflower Bank 24 6.37% $3,892
    Equity Bank 9 6.44% $3,549
    QUICKEN LOANS, LLC 5 6.40% $6,119
    Commerce Bank 4 6.34% $1,842
    FLAT BRANCH MORTGAGE, INC. 3 7.04% $3,996
    NEWREZ LLC 2 6.38% $4,429
    Flagstar Bank, FSB 2 6.56% $3,569
    HEARTLAND CREDIT UNION 1 7.00% $2,057
    JPMorgan Chase Bank 1 7.63% $2,806
    Landmark National Bank 1 5.75% $2,618
    Midwest Mortgage Associates Corporation 1 7.13% $4,051
    Mortgage Investment Services Corporation 1 7.63% $3,111
    Mortgage Research Center, LLC 1 6.63% $2,921
    MUTUAL OF OMAHA MORTGAGE, INC. 1 7.00% $5,731
    NBH Bank 1 6.50% $3,639
    OPEN MORTGAGE, LLC 1 6.63% $4,665
    Plains Commerce Bank 1 6.38% $2,156
    PRIMARY RESIDENTIAL MORTGAGE, INC. 1 6.63% $2,981
    PRIMELENDING, A PLAINSCAPITAL COMPANY 1 6.13% $2,847
    PROVIDENT FUNDING ASSOCIATES, L.P. 1 6.38% $2,193
    S1L, Inc. 1 6.99% $5,608
    AMERICAN FINANCING CORPORATION 1 6.88% $5,635
    USAA Federal Savings Bank 1 7.00% $6,356
    BOKF 1 6.38% $1,840
    Citizens Bank 1 6.88% $3,044
    COMMUNITYAMERICA 1 6.88% $2,757
    COMMUNITY MORTGAGE FUNDING, LLC 1 7.25% $3,722
    DELMAR FINANCIAL COMPANY 1 7.13% $4,698
    GUARANTEED RATE, INC. 1 6.85% $2,803
    HALLMARK HOME MORTGAGE, LLC 1 6.50% $3,204

    Hays Average Closing Costs & Other Stats

    Hays, KS's 31 lenders originated 267 loans during 2023. The total origination value was $222,055,000, with an average loan value of $831,667.

    Hays's average closing costs are $3,710.

    The top Hays lender as defined by loan originations is GOLDEN PLAINS, with 31 loans originated. Their average total fees are $2,397, which is $1,495 lower than the next largest lender, Sunflower Bank.

    The lowest fee Hays lenders (with over 10 loans originated) are GOLDEN PLAINS ($2,397), Sunflower Bank ($3,892), .

    The lowest rate Hays lenders (with over 10 loans originated) are GOLDEN PLAINS (6.33%), Sunflower Bank (6.37%), .

    Hays, 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
    JONES LANG LASALLE MULTIFAMILY, LLC $179,545,000 n/a 80.9%
    GOLDEN PLAINS $12,125,000 $7,875,000 -35.1% 3.5%
    Sunflower Bank $7,280,000 $6,255,000 -14.1% 2.8%
    Equity Bank $3,640,000 $4,200,000 15.4% 1.9%
    Emprise Bank $1,240,000 $4,165,000 235.9% 1.9%
    QUICKEN LOANS, LLC $3,445,000 $2,645,000 -23.2% 1.2%
    Commerce Bank $1,280,000 $2,005,000 56.6% 0.9%
    Flagstar Bank, FSB $415,000 $1,310,000 215.7% 0.6%
    Mortgage Research Center, LLC $1,290,000 $1,155,000 -10.5% 0.5%
    Central National Bank $1,640,000 $885,000 -46.0% 0.4%
    FLAT BRANCH MORTGAGE, INC. $360,000 $835,000 131.9% 0.4%
    Bank of the Flint Hills $605,000 n/a 0.3%
    Mortgage Investment Services Corporation $1,750,000 $560,000 -68.0% 0.3%
    USAA Federal Savings Bank $270,000 $530,000 96.3% 0.2%
    Midwest Mortgage Associates Corporation $485,000 n/a 0.2%
    NEWREZ LLC $175,000 $450,000 157.1% 0.2%
    Landmark National Bank $115,000 $425,000 269.6% 0.2%
    PROVIDENT FUNDING ASSOCIATES, L.P. $385,000 n/a 0.2%
    Citizens Bank $1,680,000 $360,000 -78.6% 0.2%
    HEARTLAND CREDIT UNION $450,000 $360,000 -20.0% 0.2%
    OPEN MORTGAGE, LLC $360,000 n/a 0.2%
    CORNERSTONE HOME LENDING, INC. $325,000 $355,000 9.2% 0.2%
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION $370,000 $330,000 -10.8% 0.1%
    AMERISAVE MORTGAGE CORPORATION $300,000 n/a 0.1%
    First Federal Bank $275,000 n/a 0.1%
    NBH Bank $515,000 $275,000 -46.6% 0.1%
    Mid-Continent Funding, Inc. $265,000 n/a 0.1%
    PRIMARY RESIDENTIAL MORTGAGE, INC. $75,000 $225,000 200.0% 0.1%
    S1L, Inc. $225,000 n/a 0.1%
    Stride Bank $225,000 n/a 0.1%
    HALLMARK HOME MORTGAGE, LLC $215,000 n/a 0.1%
    UNITED WHOLESALE MORTGAGE, LLC $680,000 $215,000 -68.4% 0.1%
    ARK-LA-TEX FINANCIAL SERVICES, LLC. $195,000 n/a 0.1%
    COMMUNITYAMERICA $195,000 n/a 0.1%
    U.S. Bank $195,000 n/a 0.1%
    The Eastern Colorado Bank $180,000 n/a 0.1%
    COMMUNITY MORTGAGE FUNDING, LLC $165,000 n/a 0.1%
    PRIMELENDING, A PLAINSCAPITAL COMPANY $165,000 n/a 0.1%
    JPMorgan Chase Bank $315,000 $155,000 -50.8% 0.1%
    Century Mortgage Company DBA Century Lending Company $145,000 n/a 0.1%
    NEW DAY FINANCIAL, LLC $135,000 n/a 0.1%
    The Bennington State Bank $1,265,000 $135,000 -89.3% 0.1%
    BOKF $125,000 n/a 0.1%
    BROKER SOLUTIONS, INC. $455,000 $115,000 -74.7% 0.1%
    M&T Bank $85,000 $115,000 35.3% 0.1%
    MUTUAL OF OMAHA MORTGAGE, INC. $220,000 $115,000 -47.7% 0.1%
    BETTER MORTGAGE CORPORATION $105,000 n/a 0.0%
    First National Bank of Omaha $105,000 n/a 0.0%
    GUARANTEED RATE, INC. $105,000 n/a 0.0%
    Plains Commerce Bank $175,000 $105,000 -40.0% 0.0%
    AMERICAN FINANCING CORPORATION $215,000 $95,000 -55.8% 0.0%
    Coastal Community Bank $80,000 n/a 0.0%
    Farmers Bank & Trust $75,000 n/a 0.0%
    TOP FLITE FINANCIAL, INC. $65,000 n/a 0.0%
    DELMAR FINANCIAL COMPANY $55,000 n/a 0.0%
    CREDIT UNION OF AMERICA $25,000 n/a 0.0%
    The Central Trust Bank $335,000 $25,000 -92.5% 0.0%

    Hays's top lender by overall market share is JONES LANG LASALLE MULTIFAMILY, LLC, with 80.9% market share. In second place, with 3.5%, is GOLDEN PLAINS, having originated $7,875,000 in loans. In third place, with 2.8%, is Sunflower Bank, having originated $6,255,000 in loans. In fourth place, with 1.9%, is Equity Bank, having originated $4,200,000 in loans. In fifth place, with 1.9%, is Emprise Bank, having originated $4,165,000 in loans.

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

    Realtor.com - Hays (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 $165,000 (-2.5%) $200,311 (-3.0%) 0.00 176
    2018-02-01 $165,725 (-5.0%) $201,840 (-3.7%) 0.00 172
    2018-03-01 $168,900 (-3.1%) $202,229 (-3.4%) 0.00 162
    2018-04-01 $181,999 (4.6%) $207,875 (-1.6%) 0.00 169
    2018-05-01 $165,000 (-2.0%) $205,254 (-1.2%) 0.00 172
    2018-06-01 $169,900 (0.2%) $200,679 (-3.6%) 0.00 179
    2018-07-01 $164,850 (1.1%) $198,210 (-3.0%) 0.00 185
    2018-08-01 $149,900 (-11.0%) $192,852 (-5.9%) 0.00 192
    2018-09-01 $145,000 (-15.7%) $182,753 (-12.3%) 0.00 193
    2018-10-01 $138,950 (-15.8%) $173,047 (-15.6%) 0.00 185
    2018-11-01 $138,900 (-15.3%) $167,675 (-16.0%) 0.00 178
    2018-12-01 $138,900 (-15.8%) $160,939 (-19.4%) 0.00 177
    2019-01-01 $146,225 (-11.4%) $166,683 (-16.8%) 0.00 162
    2019-02-01 $139,975 (-15.5%) $164,320 (-18.6%) 0.00 164
    2019-03-01 $147,514 (-12.7%) $174,817 (-13.6%) 0.00 156
    2019-04-01 $152,789 (-16.1%) $185,911 (-10.6%) 0.00 148
    2019-05-01 $147,450 (-10.6%) $182,997 (-10.8%) 0.00 164
    2019-06-01 $149,000 (-12.3%) $179,358 (-10.6%) 0.00 170
    2019-07-01 $145,000 (-12.0%) $181,442 (-8.5%) 0.00 168
    2019-08-01 $147,750 (-1.4%) $179,140 (-7.1%) 0.00 163
    2019-09-01 $145,500 (0.3%) $176,106 (-3.6%) 0.00 158
    2019-10-01 $144,375 (3.9%) $174,309 (0.7%) 0.00 152
    2019-11-01 $144,700 (4.2%) $173,624 (3.6%) 0.00 140
    2019-12-01 $141,575 (1.9%) $177,982 (10.6%) 0.00 127
    2020-01-01 $139,975 (-4.3%) $178,885 (7.3%) 0.00 118
    2020-02-01 $140,000 (0.0%) $196,457 (19.6%) 0.00 117
    2020-03-01 $145,875 (-1.1%) $207,813 (18.9%) 0.00 113
    2020-04-01 $148,000 (-3.1%) $211,198 (13.6%) 0.00 101
    2020-05-01 $150,000 (1.7%) $214,209 (17.1%) 0.00 93
    2020-06-01 $158,850 (6.6%) $228,090 (27.2%) 0.00 87
    2020-07-01 $170,400 (17.5%) $235,138 (29.6%) 0.00 90
    2020-08-01 $179,948 (21.8%) $244,776 (36.6%) 0.00 88
    2020-09-01 $168,675 (15.9%) $235,804 (33.9%) 0.00 85
    2020-10-01 $169,950 (17.7%) $249,473 (43.1%) 0.00 82
    2020-11-01 $167,175 (15.5%) $257,145 (48.1%) 0.00 61
    2020-12-01 $155,500 (9.8%) $252,778 (42.0%) 0.00 58
    2021-01-01 $157,000 (12.2%) $269,098 (50.4%) 0.00 50
    2021-02-01 $165,000 (17.9%) $272,976 (39.0%) 0.00 42
    2021-03-01 $212,225 (45.5%) $325,988 (56.9%) 0.00 39
    2021-04-01 $183,750 (24.2%) $279,603 (32.4%) 0.00 43
    2021-05-01 $182,500 (21.7%) $292,139 (36.4%) 0.00 49
    2021-06-01 $187,500 (18.0%) $273,289 (19.8%) 0.00 52
    2021-07-01 $179,000 (5.1%) $257,798 (9.6%) 0.00 46
    2021-08-01 $182,500 (1.4%) $256,083 (4.6%) 0.00 40
    2021-09-01 $183,750 (8.9%) $261,002 (10.7%) 0.00 45
    2021-10-01 $170,000 (0.0%) $264,580 (6.1%) 0.00 45
    2021-11-01 $165,475 (-1.0%) $260,341 (1.2%) 0.00 52
    2021-12-01 $162,475 (4.5%) $256,499 (1.5%) 0.00 43
    2022-01-01 $162,450 (3.5%) $265,088 (-1.5%) 0.00 28
    2022-02-01 $168,750 (2.3%) $328,035 (20.2%) 0.00 16
    2022-03-01 $195,450 (-7.9%) $287,506 (-11.8%) 0.00 24
    2022-04-01 $202,500 (10.2%) $287,930 (3.0%) 0.00 24
    2022-05-01 $212,500 (16.4%) $253,785 (-13.1%) 0.00 34
    2022-06-01 $178,250 (-4.9%) $240,606 (-12.0%) 0.00 42
    2022-07-01 $175,000 (-2.2%) $221,837 (-14.0%) 0.00 53
    2022-08-01 $165,000 (-9.6%) $256,853 (0.3%) 0.00 59
    2022-09-01 $166,750 (-9.3%) $258,103 (-1.1%) 0.00 55
    2022-10-01 $176,750 (4.0%) $274,872 (3.9%) 0.00 60
    2022-11-01 $180,750 (9.2%) $282,330 (8.5%) 0.00 50
    2022-12-01 $179,000 (10.2%) $287,828 (12.2%) 0.00 53
    2023-01-01 $179,975 (10.8%) $313,277 (18.2%) 0.00 50
    2023-02-01 $224,950 (33.3%) $344,033 (4.9%) 0.00 47
    2023-03-01 $229,950 (17.7%) $348,252 (21.1%) 0.00 47
    2023-04-01 $239,000 (18.0%) $359,898 (25.0%) 0.00 46
    2023-05-01 $239,500 (12.7%) $366,166 (44.3%) 0.00 51
    2023-06-01 $232,225 (30.3%) $355,086 (47.6%) 0.00 54
    2023-07-01 $257,450 (47.1%) $362,740 (63.5%) 0.00 53
    2023-08-01 $252,500 (53.0%) $349,337 (36.0%) 0.00 59
    2023-09-01 $241,500 (44.8%) $343,889 (33.2%) 0.00 62
    2023-10-01 $249,500 (41.2%) $341,472 (24.2%) 0.00 63
    2023-11-01 $233,700 (29.3%) $336,687 (19.3%) 0.00 60
    2023-12-01 $234,900 (31.2%) $339,829 (18.1%) 0.00 55
    2024-01-01 $232,125 (29.0%) $331,815 (5.9%) 0.00 54
    2024-02-01 $242,500 (7.8%) $352,110 (2.4%) 0.00 47
    2024-03-01 $236,000 (2.6%) $334,427 (-4.0%) 0.00 52
    2024-04-01 $237,375 (-0.7%) $342,404 (-4.9%) 0.00 60
    2024-05-01 $277,500 (15.9%) $355,243 (-3.0%) 0.00 63
    2024-06-01 $289,500 (24.7%) $354,277 (-0.2%) 0.00 68
    2024-07-01 $251,250 (-2.4%) $358,147 (-1.3%) 0.00 75
    2024-08-01 $250,000 (-1.0%) $353,239 (1.1%) 0.00 77
    2024-09-01 $254,000 (5.2%) $350,092 (1.8%) 0.00 80
    2024-10-01 $244,500 (-2.0%) $346,992 (1.6%) 0.00 77
    2024-11-01 $240,000 (2.7%) $348,016 (3.4%) 0.00 74
    2024-12-01 $228,750 (-2.6%) $335,828 (-1.2%) 0.00 75
    2025-01-01 $229,000 (-1.4%) $337,591 (1.7%) 0.00 74
    Hays's median listing price for 2025-01-01 was $229,000, a difference of $-3,125 (-1.4%) versus the prior year and $250 versus the prior month.

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

    Hays's average listing price for 2025-01-01 was $337,591, a difference of $5,776 (1.7%) versus the prior year and $1,763 versus the prior month.

    For the 2025-01-01 period, Hays had 74 MLS listings, a difference of -1 listings (-1%) versus the prior month and 20 listings (37%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Hays (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 2,116 sqft
    2018-02-01 0 days 2,136 sqft
    2018-03-01 0 days 2,165 sqft
    2018-04-01 0 days 2,225 sqft
    2018-05-01 0 days 2,165 sqft
    2018-06-01 0 days 2,106 sqft
    2018-07-01 0 days 2,104 sqft
    2018-08-01 0 days 2,084 sqft
    2018-09-01 0 days 2,076 sqft
    2018-10-01 0 days 2,006 sqft
    2018-11-01 0 days 1,908 sqft
    2018-12-01 0 days 1,924 sqft
    2019-01-01 0 days 2,004 sqft
    2019-02-01 0 days 1,902 sqft
    2019-03-01 0 days 1,944 sqft
    2019-04-01 0 days 2,011 sqft
    2019-05-01 0 days 2,021 sqft
    2019-06-01 0 days 1,976 sqft
    2019-07-01 0 days 1,936 sqft
    2019-08-01 0 days 1,861 sqft
    2019-09-01 0 days 1,843 sqft
    2019-10-01 0 days 1,832 sqft
    2019-11-01 0 days 1,878 sqft
    2019-12-01 0 days 1,832 sqft
    2020-01-01 0 days 1,789 sqft
    2020-02-01 0 days 1,898 sqft
    2020-03-01 0 days 1,906 sqft
    2020-04-01 0 days 1,916 sqft
    2020-05-01 0 days 1,900 sqft
    2020-06-01 0 days 1,825 sqft
    2020-07-01 0 days 1,742 sqft
    2020-08-01 0 days 2,197 sqft
    2020-09-01 0 days 1,964 sqft
    2020-10-01 0 days 1,959 sqft
    2020-11-01 0 days 1,946 sqft
    2020-12-01 0 days 1,915 sqft
    2021-01-01 0 days 1,911 sqft
    2021-02-01 0 days 1,838 sqft
    2021-03-01 0 days 1,927 sqft
    2021-04-01 0 days 1,824 sqft
    2021-05-01 0 days 1,808 sqft
    2021-06-01 0 days 1,931 sqft
    2021-07-01 0 days 1,824 sqft
    2021-08-01 0 days 1,844 sqft
    2021-09-01 0 days 1,846 sqft
    2021-10-01 0 days 1,808 sqft
    2021-11-01 0 days 1,803 sqft
    2021-12-01 0 days 1,828 sqft
    2022-01-01 0 days 1,821 sqft
    2022-02-01 0 days 1,892 sqft
    2022-03-01 0 days 1,967 sqft
    2022-04-01 0 days 2,158 sqft
    2022-05-01 0 days 2,076 sqft
    2022-06-01 0 days 2,075 sqft
    2022-07-01 0 days 1,920 sqft
    2022-08-01 0 days 1,811 sqft
    2022-09-01 0 days 1,775 sqft
    2022-10-01 0 days 1,849 sqft
    2022-11-01 0 days 1,849 sqft
    2022-12-01 0 days 1,848 sqft
    2023-01-01 0 days 1,858 sqft
    2023-02-01 0 days 1,947 sqft
    2023-03-01 0 days 1,895 sqft
    2023-04-01 0 days 2,136 sqft
    2023-05-01 0 days 2,307 sqft
    2023-06-01 0 days 2,385 sqft
    2023-07-01 0 days 2,399 sqft
    2023-08-01 0 days 2,393 sqft
    2023-09-01 0 days 2,280 sqft
    2023-10-01 0 days 2,322 sqft
    2023-11-01 0 days 2,306 sqft
    2023-12-01 0 days 2,192 sqft
    2024-01-01 0 days 2,188 sqft
    2024-02-01 0 days 2,360 sqft
    2024-03-01 0 days 2,198 sqft
    2024-04-01 0 days 2,248 sqft
    2024-05-01 0 days 2,389 sqft
    2024-06-01 0 days 2,280 sqft
    2024-07-01 0 days 2,281 sqft
    2024-08-01 0 days 2,324 sqft
    2024-09-01 0 days 2,164 sqft
    2024-10-01 0 days 2,147 sqft
    2024-11-01 0 days 2,085 sqft
    2024-12-01 0 days 2,007 sqft
    2025-01-01 0 days 2,052 sqft
    Hays's median listing age (time on market) for 2025-01-01 was 0 days.

    Hays's median square footage for active listings during the 2025-01-01 period was 2,052 sqft. One year prior, the average listing was 2,188 sqft.

    Hays, KS Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 171 $33,225,000 $194,298
    Cash Out Refi 32 $3,390,000 $105,938
    Refi 28 $183,590,000 $6,556,786
    Home Improvement 22 $1,000,000 $45,455
    Other 14 $850,000 $60,714

    Hays's most frequently cited loan purpose was Home Purchase, with 171 originations. The 2nd most popular reason was Cash Out Refi, with 32 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    6-7% 99 $20,535,000 $207,424
    7-8% 63 $8,005,000 $127,063
    5-6% 54 $188,690,000 $3,494,259
    Over 8% 35 $3,155,000 $90,143
    4-5% 6 $270,000 $45,000
    <2.5% 4 $440,000 $110,000
    2.5-3% 2 $430,000 $215,000

    During 2023, Hays's most frequently originated rate bucket was 6-7%, with 99 originations.

    Loan Sizing (Hays, KS MSA)

    Loan Size Originations Total Value Average Loan
    $100k-200k 110 $16,330,000 $148,455
    $100,000 or less 91 $5,055,000 $55,549
    $200k-400k 59 $15,825,000 $268,220
    $400k-600k 4 $1,890,000 $472,500
    $Over $1MM 2 $182,350,000 $91,175,000
    $600k-1000k 1 $605,000 $605,000

    Hays's loan sizing saw the bucket of loans from $100k-200k with 110 originations, totaling $16,330,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 114 $22,020,000 $193,158
    60-80% 52 $10,750,000 $206,731
    Under 20% 42 $2,690,000 $64,048
    20-40% 29 $2,085,000 $71,897
    40-60% 21 $3,465,000 $165,000
    Over 100% 4 $180,460,000 $45,115,000

    Hays's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 114 originations, totaling $22,020,000 in origination value.