Middlesborough Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Middlesborough averaged
7.22%
for the week of 2023-11-30, compared to the national average of
7.22% for the same period.
The average rate for the prior week (2023-11-22) was
7.49% and
one month ago for the week of 2023-10-26, the
average rate was 7.69%.
Middlesborough's average rate one year ago was 6.78%.
For refis of the same type during the week of 2023-11-30, the average rate
was 7.82%.
Loan Type | Date | Rate |
---|---|---|
US 30 Year Fixed Rate | 2023-11-30 | 7.22% |
Middlesborough 30 Year Fixed Rate | 2023-11-30 | 7.22% |
Middlesborough 30 Year Fixed Rate Refi | 2023-11-30 | 7.82% |
Middlesborough 15 Year Fixed Rate | 2023-11-30 | 6.66% |
Middlesborough 15 Year Fixed Rate Refi | 2023-11-30 | 6.56% |
Middlesborough 30 Year FHA | 2023-11-30 | 7.05% |
Middlesborough 30 Year FHA Refi | 2023-11-30 | 6.85% |
Middlesborough 30 Year USDA | 2023-11-30 | 7% |
Middlesborough 30 Year USDA Refi | 2023-11-30 | 7.1% |
Middlesborough 30 Year VA | 2023-11-30 | 6.77% |
Middlesborough 30 Year VA Refi | 2023-11-30 | 6.77% |
Middlesborough 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 Middlesborough, KY 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 |
---|---|---|---|
Commercial Bank | 9 | 4.72% | $1,700 |
Citizens Bank | 6 | 4.75% | $2,686 |
QUICKEN LOANS, LLC | 5 | 5.88% | $4,922 |
Community Trust Bank, Inc. | 3 | 5.08% | $2,324 |
TOP FLITE FINANCIAL, INC. | 2 | 5.31% | $4,211 |
EASTMAN | 2 | 4.81% | $5,836 |
FREEDOM MORTGAGE CORPORATION | 2 | 5.63% | $3,791 |
L & N Federal Credit Union | 2 | 4.81% | $2,145 |
Mortgage Research Center, LLC | 2 | 5.38% | $2,278 |
JPMorgan Chase Bank | 1 | 2.88% | $4,496 |
The Monticello Banking Company | 1 | 3.38% | $1,937 |
Abound Federal Credit Union | 1 | 3.38% | $2,360 |
MOVEMENT MORTGAGE, LLC | 1 | 3.94% | $4,380 |
Mr. Cooper ( Nationstar Mortgage ) | 1 | 5.13% | $4,168 |
Nations Lending Corporation | 1 | 7.13% | $3,354 |
PENNYMAC LOAN SERVICES, LLC | 1 | 4.50% | $4,953 |
PROVIDENT FUNDING ASSOCIATES, L.P. | 1 | 3.63% | $2,895 |
Citibank | 1 | 3.63% | $2,906 |
CARDINAL FINANCIAL | 1 | 5.99% | $6,032 |
ARK-LA-TEX FINANCIAL SERVICES, LLC. | 1 | 3.63% | $2,659 |
STOCKTON MORTGAGE CORPORATION | 1 | 5.13% | $3,961 |
Middlesborough Average Closing Costs & Other Stats
Middlesborough, KY's 21 lenders originated 249
loans during 2022. The total origination value was $32,225,000, with an average loan value of
$129,418.
Middlesborough's average closing costs are $4,247.
The top Middlesborough lender as defined by loan originations is Commercial Bank, with
9 loans originated. Their average total fees are
$1,700, which is $986
lower than the next largest lender,
Citizens Bank.
The lowest fee Middlesborough lenders (with over 10 loans originated) are
.
The lowest rate Middlesborough lenders (with over 10 loans originated) are
.
Middlesborough, KY 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 |
---|---|---|---|---|
Home Federal Bank Corporation | $4,870,000 | $6,275,000 | 28.9% | 19.5% |
First State Bank of the Southeast, Inc. | $5,190,000 | $4,700,000 | -9.4% | 14.6% |
QUICKEN LOANS, LLC | $2,780,000 | $2,355,000 | -15.3% | 7.3% |
Community Trust Bank, Inc. | $3,165,000 | $1,565,000 | -50.6% | 4.9% |
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | $1,950,000 | $1,530,000 | -21.5% | 4.7% |
Commercial Bank | $2,690,000 | $1,460,000 | -45.7% | 4.5% |
VANDERBILT MORTGAGE AND FINANCE, INC. | $1,265,000 | $1,460,000 | 15.4% | 4.5% |
Citizens Bank | $2,100,000 | $1,440,000 | -31.4% | 4.5% |
TOP FLITE FINANCIAL, INC. | $1,825,000 | $1,285,000 | -29.6% | 4.0% |
MORTGAGE INVESTORS GROUP, INC. | $1,315,000 | $1,165,000 | -11.4% | 3.6% |
FREEDOM MORTGAGE CORPORATION | $1,860,000 | $965,000 | -48.1% | 3.0% |
Mortgage Research Center, LLC | $580,000 | $725,000 | 25.0% | 2.2% |
EASTMAN | $530,000 | n/a | 1.6% | |
PENTAGON FEDERAL CREDIT UNION | $445,000 | n/a | 1.4% | |
HOMESIDE FINANCIAL, LLC | $370,000 | n/a | 1.1% | |
Citizens Bank | $2,100,000 | $325,000 | -84.5% | 1.0% |
JPMorgan Chase Bank | $305,000 | n/a | 0.9% | |
The Monticello Banking Company | $115,000 | $295,000 | 156.5% | 0.9% |
DAS Acquisition Company, LLC | $285,000 | n/a | 0.9% | |
L & N Federal Credit Union | $400,000 | $255,000 | -36.3% | 0.8% |
PROVIDENT FUNDING ASSOCIATES, L.P. | $255,000 | n/a | 0.8% | |
The Federal Savings Bank | $245,000 | n/a | 0.8% | |
21ST MORTGAGE CORPORATION | $375,000 | $235,000 | -37.3% | 0.7% |
AMCAP MORTGAGE, LTD. | $85,000 | $220,000 | 158.8% | 0.7% |
NAVY FEDERAL CREDIT UNION | $155,000 | $200,000 | 29.0% | 0.6% |
Abound Federal Credit Union | $195,000 | n/a | 0.6% | |
FirstBank | $200,000 | $190,000 | -5.0% | 0.6% |
EVERETT FINANCIAL, INC. | $185,000 | n/a | 0.6% | |
GENEVA FINANCIAL, LLC | $185,000 | n/a | 0.6% | |
STOCKTON MORTGAGE CORPORATION | $105,000 | $185,000 | 76.2% | 0.6% |
PENNYMAC LOAN SERVICES, LLC | $95,000 | $175,000 | 84.2% | 0.5% |
ENVOY MORTGAGE, LTD | $155,000 | n/a | 0.5% | |
First Option Mortgage, LLC | $545,000 | $155,000 | -71.6% | 0.5% |
PLAZA HOME MORTGAGE, INC. | $155,000 | n/a | 0.5% | |
ARK-LA-TEX FINANCIAL SERVICES, LLC. | $330,000 | $145,000 | -56.1% | 0.4% |
Carrington Mortgage Services, LLC | $115,000 | $145,000 | 26.1% | 0.4% |
Gateway First Bank | $145,000 | n/a | 0.4% | |
POLARIS HOME FUNDING CORP. | $175,000 | $145,000 | -17.1% | 0.4% |
Mr. Cooper ( Nationstar Mortgage ) | $380,000 | $140,000 | -63.2% | 0.4% |
Hometown Lenders, Inc. | $135,000 | $135,000 | 0.0% | 0.4% |
Powell Valley National Bank | $135,000 | $125,000 | -7.4% | 0.4% |
CREDIT HUMAN FEDERAL CREDIT UNION | $45,000 | $105,000 | 133.3% | 0.3% |
Nations Lending Corporation | $95,000 | n/a | 0.3% | |
Farmers and Miners Bank | $85,000 | n/a | 0.3% | |
NEW DAY FINANCIAL, LLC | $220,000 | $75,000 | -65.9% | 0.2% |
Wells Fargo Bank | $125,000 | $75,000 | -40.0% | 0.2% |
PLANET HOME LENDING, LLC | $65,000 | n/a | 0.2% | |
Citibank | $95,000 | $55,000 | -42.1% | 0.2% |
MORTGAGE SUPPLIERS, INC. | $470,000 | $55,000 | -88.3% | 0.2% |
MOVEMENT MORTGAGE, LLC | $430,000 | $55,000 | -87.2% | 0.2% |
PNC Bank | $55,000 | $55,000 | 0.0% | 0.2% |
COMMONWEALTH | $455,000 | $30,000 | -93.4% | 0.1% |
Home Loan Investment Bank, F.S.B. | $25,000 | n/a | 0.1% |
Middlesborough's top lender by overall market share is Home Federal Bank Corporation, with 19.5% market share. In second place, with 14.6%, is First State Bank of the Southeast, Inc., having originated $4,700,000 in loans. In third place, with 7.3%, is QUICKEN LOANS, LLC, having originated $2,355,000 in loans. In fourth place, with 4.9%, is Community Trust Bank, Inc., having originated $1,565,000 in loans. In fifth place, with 4.7%, is CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP, having originated $1,530,000 in loans.
Middlesborough Housing Market Trends (Median, Average Prices & Listing Count)
Realtor.com - Middlesborough (CBSA) retrieved from FRED, Federal Reserve Bank of St. LouisDate | Median Listing Price (YoY Change) | Average Listing Price (YoY) | MSA/US Median Price Ratio | Active Listings |
---|---|---|---|---|
2018-01-01 | $95,100 (5.8%) | $117,048 (5.0%) | 0.00 | 81 |
2018-02-01 | $92,325 (2.7%) | $116,313 (5.8%) | 0.00 | 79 |
2018-03-01 | $95,000 (5.7%) | $120,508 (10.2%) | 0.00 | 92 |
2018-04-01 | $97,550 (8.5%) | $120,761 (12.0%) | 0.00 | 100 |
2018-05-01 | $97,900 (15.4%) | $125,500 (19.7%) | 0.00 | 98 |
2018-06-01 | $101,200 (6.1%) | $123,943 (11.8%) | 0.00 | 97 |
2018-07-01 | $93,425 (4.4%) | $120,389 (8.4%) | 0.00 | 99 |
2018-08-01 | $92,725 (10.4%) | $118,198 (9.4%) | 0.00 | 108 |
2018-09-01 | $99,900 (13.5%) | $123,030 (12.1%) | 0.00 | 104 |
2018-10-01 | $95,450 (6.1%) | $121,322 (7.1%) | 0.00 | 98 |
2018-11-01 | $89,000 (-3.1%) | $115,872 (1.0%) | 0.00 | 94 |
2018-12-01 | $89,700 (-3.0%) | $123,057 (6.6%) | 0.00 | 89 |
2019-01-01 | $89,600 (-5.8%) | $122,988 (5.1%) | 0.00 | 84 |
2019-02-01 | $89,000 (-3.6%) | $119,162 (2.5%) | 0.00 | 88 |
2019-03-01 | $93,500 (-1.6%) | $120,193 (-0.3%) | 0.00 | 90 |
2019-04-01 | $99,600 (2.1%) | $125,460 (3.9%) | 0.00 | 91 |
2019-05-01 | $107,675 (10.0%) | $128,993 (2.8%) | 0.00 | 93 |
2019-06-01 | $112,450 (11.1%) | $128,650 (3.8%) | 0.00 | 102 |
2019-07-01 | $121,100 (29.6%) | $131,059 (8.9%) | 0.00 | 105 |
2019-08-01 | $122,736 (32.4%) | $130,192 (10.2%) | 0.00 | 104 |
2019-09-01 | $122,716 (22.8%) | $128,393 (4.4%) | 0.00 | 103 |
2019-10-01 | $123,802 (29.7%) | $129,056 (6.4%) | 0.00 | 102 |
2019-11-01 | $124,000 (39.3%) | $127,508 (10.0%) | 0.00 | 94 |
2019-12-01 | $124,900 (39.2%) | $127,140 (3.3%) | 0.00 | 91 |
2020-01-01 | $124,900 (39.4%) | $126,540 (2.9%) | 0.00 | 84 |
2020-02-01 | $124,900 (40.3%) | $128,891 (8.2%) | 0.00 | 76 |
2020-03-01 | $127,000 (35.8%) | $138,029 (14.8%) | 0.00 | 74 |
2020-04-01 | $124,900 (25.4%) | $138,757 (10.6%) | 0.00 | 64 |
2020-05-01 | $125,000 (16.1%) | $138,743 (7.6%) | 0.00 | 60 |
2020-06-01 | $137,450 (22.2%) | $146,551 (13.9%) | 0.00 | 52 |
2020-07-01 | $135,750 (12.1%) | $143,378 (9.4%) | 0.00 | 38 |
2020-08-01 | $132,000 (7.6%) | $131,434 (1.0%) | 0.00 | 46 |
2020-09-01 | $126,475 (3.1%) | $134,961 (5.1%) | 0.00 | 47 |
2020-10-01 | $112,450 (-9.2%) | $134,083 (3.9%) | 0.00 | 46 |
2020-11-01 | $117,188 (-5.5%) | $132,024 (3.5%) | 0.00 | 47 |
2020-12-01 | $124,063 (-0.7%) | $145,473 (14.4%) | 0.00 | 39 |
2021-01-01 | $115,000 (-7.9%) | $139,291 (10.1%) | 0.00 | 38 |
2021-02-01 | $96,225 (-23.0%) | $139,471 (8.2%) | 0.00 | 39 |
2021-03-01 | $92,675 (-27.0%) | $132,798 (-3.8%) | 0.00 | 43 |
2021-04-01 | $96,900 (-22.4%) | $133,597 (-3.7%) | 0.00 | 37 |
2021-05-01 | $112,450 (-10.0%) | $139,726 (0.7%) | 0.00 | 36 |
2021-06-01 | $125,000 (-9.1%) | $141,498 (-3.5%) | 0.00 | 40 |
2021-07-01 | $115,000 (-15.3%) | $139,185 (-2.9%) | 0.00 | 43 |
2021-08-01 | $97,950 (-25.8%) | $128,528 (-2.2%) | 0.00 | 41 |
2021-09-01 | $97,425 (-23.0%) | $123,527 (-8.5%) | 0.00 | 42 |
2021-10-01 | $99,450 (-11.6%) | $132,985 (-0.8%) | 0.00 | 37 |
2021-11-01 | $113,750 (-2.9%) | $141,984 (7.5%) | 0.00 | 41 |
2021-12-01 | $117,475 (-5.3%) | $141,138 (-3.0%) | 0.00 | 42 |
2022-01-01 | $119,950 (4.3%) | $156,538 (12.4%) | 0.00 | 34 |
2022-02-01 | $136,000 (41.3%) | $164,867 (18.2%) | 0.00 | 29 |
2022-03-01 | $131,925 (42.4%) | $186,522 (40.5%) | 0.00 | 29 |
2022-04-01 | $122,500 (26.4%) | $175,824 (31.6%) | 0.00 | 33 |
2022-05-01 | $119,500 (6.3%) | $172,898 (23.7%) | 0.00 | 42 |
2022-06-01 | $119,500 (-4.4%) | $181,471 (28.3%) | 0.00 | 45 |
2022-07-01 | $133,000 (15.7%) | $182,078 (30.8%) | 0.00 | 48 |
2022-08-01 | $138,163 (41.1%) | $195,614 (52.2%) | 0.00 | 45 |
2022-09-01 | $139,900 (43.6%) | $201,868 (63.4%) | 0.00 | 51 |
2022-10-01 | $135,000 (35.8%) | $191,211 (43.8%) | 0.00 | 43 |
2022-11-01 | $133,000 (16.9%) | $194,182 (36.8%) | 0.00 | 42 |
2022-12-01 | $124,750 (6.2%) | $190,479 (35.0%) | 0.00 | 33 |
2023-01-01 | $120,999 (0.9%) | $179,200 (14.5%) | 0.00 | 41 |
2023-02-01 | $130,650 (-3.9%) | $182,964 (11.0%) | 0.00 | 43 |
2023-03-01 | $127,250 (-3.5%) | $170,179 (-8.8%) | 0.00 | 44 |
2023-04-01 | $122,000 (-0.4%) | $168,534 (-4.2%) | 0.00 | 45 |
2023-05-01 | $147,450 (23.4%) | $182,570 (5.6%) | 0.00 | 43 |
2023-06-01 | $148,750 (24.5%) | $178,061 (-1.9%) | 0.00 | 45 |
2023-07-01 | $150,000 (12.8%) | $183,855 (1.0%) | 0.00 | 48 |
2023-08-01 | $159,500 (15.4%) | $190,158 (-2.8%) | 0.00 | 49 |
2023-09-01 | $139,900 (0.0%) | $172,531 (-14.5%) | 0.00 | 48 |
2023-10-01 | $149,500 (10.7%) | $179,646 (-6.1%) | 0.00 | 50 |
2023-11-01 | $158,450 (19.1%) | $189,522 (-2.4%) | 0.00 | 47 |
Middlesborough's median listing price comes in at 0% of the national average.
Middlesborough's average listing price for 2023-11-01 was $189,522, a difference of $-4,660 (-2.4%) versus the prior year and $9,876 versus the prior month.
For the 2023-11-01 period, Middlesborough had 47 MLS listings, a difference of -3 listings (-6%) versus the prior month and 5 listings (12%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - Middlesborough (CBSA) retrieved from FRED, Federal Reserve Bank of St. LouisDate | Median Listing Time on Market | Median Square Footage |
---|---|---|
2018-01-01 | 0 days | 1,540 sqft |
2018-02-01 | 0 days | 1,436 sqft |
2018-03-01 | 0 days | 1,456 sqft |
2018-04-01 | 0 days | 1,457 sqft |
2018-05-01 | 0 days | 1,456 sqft |
2018-06-01 | 0 days | 1,510 sqft |
2018-07-01 | 0 days | 1,502 sqft |
2018-08-01 | 0 days | 1,463 sqft |
2018-09-01 | 0 days | 1,538 sqft |
2018-10-01 | 0 days | 1,504 sqft |
2018-11-01 | 0 days | 1,503 sqft |
2018-12-01 | 0 days | 1,525 sqft |
2019-01-01 | 0 days | 1,540 sqft |
2019-02-01 | 0 days | 1,505 sqft |
2019-03-01 | 0 days | 1,519 sqft |
2019-04-01 | 0 days | 1,549 sqft |
2019-05-01 | 0 days | 1,598 sqft |
2019-06-01 | 0 days | 1,568 sqft |
2019-07-01 | 0 days | 1,611 sqft |
2019-08-01 | 0 days | 1,602 sqft |
2019-09-01 | 0 days | 1,573 sqft |
2019-10-01 | 0 days | 1,576 sqft |
2019-11-01 | 0 days | 1,582 sqft |
2019-12-01 | 0 days | 1,603 sqft |
2020-01-01 | 0 days | 1,596 sqft |
2020-02-01 | 0 days | 1,605 sqft |
2020-03-01 | 0 days | 1,668 sqft |
2020-04-01 | 0 days | 1,572 sqft |
2020-05-01 | 0 days | 1,621 sqft |
2020-06-01 | 0 days | 1,617 sqft |
2020-07-01 | 0 days | 1,623 sqft |
2020-08-01 | 0 days | 1,690 sqft |
2020-09-01 | 0 days | 1,796 sqft |
2020-10-01 | 0 days | 1,800 sqft |
2020-11-01 | 0 days | 1,800 sqft |
2020-12-01 | 0 days | 1,800 sqft |
2021-01-01 | 0 days | 1,800 sqft |
2021-02-01 | 0 days | 1,617 sqft |
2021-03-01 | 0 days | 1,500 sqft |
2021-04-01 | 0 days | 1,411 sqft |
2021-05-01 | 0 days | 1,740 sqft |
2021-06-01 | 0 days | 1,690 sqft |
2021-07-01 | 0 days | 1,658 sqft |
2021-08-01 | 0 days | 1,617 sqft |
2021-09-01 | 0 days | 1,326 sqft |
2021-10-01 | 0 days | 1,360 sqft |
2021-11-01 | 0 days | 1,276 sqft |
2021-12-01 | 0 days | 1,312 sqft |
2022-01-01 | 0 days | 1,312 sqft |
2022-02-01 | 0 days | 1,410 sqft |
2022-03-01 | 0 days | 1,416 sqft |
2022-04-01 | 0 days | 1,405 sqft |
2022-05-01 | 0 days | 1,419 sqft |
2022-06-01 | 0 days | 1,381 sqft |
2022-07-01 | 0 days | 1,385 sqft |
2022-08-01 | 0 days | 1,383 sqft |
2022-09-01 | 0 days | 1,400 sqft |
2022-10-01 | 0 days | 1,432 sqft |
2022-11-01 | 0 days | 1,689 sqft |
2022-12-01 | 0 days | 1,595 sqft |
2023-01-01 | 0 days | 1,410 sqft |
2023-02-01 | 0 days | 1,390 sqft |
2023-03-01 | 0 days | 1,403 sqft |
2023-04-01 | 0 days | 1,400 sqft |
2023-05-01 | 0 days | 1,475 sqft |
2023-06-01 | 0 days | 1,460 sqft |
2023-07-01 | 0 days | 1,475 sqft |
2023-08-01 | 0 days | 1,472 sqft |
2023-09-01 | 0 days | 1,404 sqft |
2023-10-01 | 0 days | 1,422 sqft |
2023-11-01 | 0 days | 1,444 sqft |
Middlesborough's median square footage for active listings during the 2023-11-01 period was 1,444 sqft. One year prior, the average listing was 1,689 sqft.
Middlesborough, KY Market Loan Reason
Loan Purpose | Originations | Total Value | Average Loan |
---|---|---|---|
Home Purchase | 157 | $21,485,000 | $136,847 |
Refi | 48 | $6,390,000 | $133,125 |
Cash Out Refi | 18 | $2,740,000 | $152,222 |
Home Improvement | 14 | $1,020,000 | $72,857 |
Other | 12 | $590,000 | $49,167 |
Middlesborough's most frequently cited loan purpose was Home Purchase, with 157 originations. The 2nd most popular reason was Refi, with 48 originations.
Interest Rate Frequencies
Loan Rate | Originations | Total Value | Average Loan |
---|---|---|---|
4-5% | 48 | $5,960,000 | $124,167 |
3-4% | 38 | $5,410,000 | $142,368 |
5-6% | 36 | $4,240,000 | $117,778 |
6-7% | 18 | $2,140,000 | $118,889 |
Over 8% | 11 | $915,000 | $83,182 |
7-8% | 10 | $1,260,000 | $126,000 |
2.5-3% | 4 | $690,000 | $172,500 |
<2.5% | 2 | $100,000 | $50,000 |
During 2022, Middlesborough's most frequently originated rate bucket was 4-5%, with 48 originations.
Loan Sizing (Middlesborough, KY MSA)
Loan Size | Originations | Total Value | Average Loan |
---|---|---|---|
$100,000 or less | 111 | $6,635,000 | $59,775 |
$100k-200k | 104 | $14,790,000 | $142,212 |
$200k-400k | 29 | $7,705,000 | $265,690 |
$400k-600k | 3 | $1,375,000 | $458,333 |
$600k-1000k | 2 | $1,720,000 | $860,000 |
Middlesborough's loan sizing saw the bucket of loans from $100,000 or less with 111 originations, totaling $6,635,000 in origination value.
LTV Distribution
Loan to Value | Originations | Total Value | Average Loan |
---|---|---|---|
80-100% | 97 | $13,795,000 | $142,216 |
60-80% | 32 | $4,040,000 | $126,250 |
40-60% | 15 | $1,355,000 | $90,333 |
20-40% | 13 | $905,000 | $69,615 |
Under 20% | 6 | $100,000 | $16,667 |
Over 100% | 2 | $390,000 | $195,000 |
Middlesborough's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 97 originations, totaling $13,795,000 in origination value.