Oak Harbor Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Oak Harbor averaged
6.71%
for the week of 2024-07-18, compared to the national average of
6.77% for the same period.
The average rate for the prior week (2024-07-11) was
7.03% and
one month ago for the week of 2024-06-13, the
average rate was 6.79%.
Oak Harbor's average rate one year ago was 6.9%.
For refis of the same type during the week of 2024-07-18, the average rate
was 6.87%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2024-07-18 | 6.77% |
| Oak Harbor 30 Year Fixed Rate | 2024-07-18 | 6.71% |
| Oak Harbor 30 Year Fixed Rate Refi | 2024-07-18 | 6.87% |
| Oak Harbor 15 Year Fixed Rate | 2024-07-18 | 6.05% |
| Oak Harbor 15 Year Fixed Rate Refi | 2024-07-18 | 6.15% |
| Oak Harbor 30 Year FHA | 2024-07-18 | 6.79% |
| Oak Harbor 30 Year FHA Refi | 2024-07-18 | 6.79% |
| Oak Harbor 30 Year USDA | 2024-07-18 | 6.73% |
| Oak Harbor 30 Year USDA Refi | 2024-07-18 | 6.43% |
| Oak Harbor 30 Year VA | 2024-07-18 | 6.04% |
| Oak Harbor 30 Year VA Refi | 2024-07-18 | 6.5% |
Oak Harbor 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 Oak Harbor, WA 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.).
Oak Harbor Average Closing Costs & Other Stats
Oak Harbor, WA's 122 lenders originated 1,880
loans during 2023. The total origination value was $674,050,000, with an average loan value of
$358,537.
Oak Harbor's average closing costs are $6,407.
The top Oak Harbor lender as defined by loan originations is QUICKEN LOANS, LLC, with
47 loans originated. Their average total fees are
$7,241, which is $2,237
lower than the next largest lender,
UNITED WHOLESALE MORTGAGE, LLC.
The lowest fee Oak Harbor lenders (with over 10 loans originated) are
Boeing Employees Credit Union ($5,461), U.S. Bank ($5,664), JPMorgan Chase Bank ($6,148), Wells Fargo Bank ($6,660) and FAIRWAY INDEPENDENT MORTGAGE CORPORATION ($6,918).
The lowest rate Oak Harbor lenders (with over 10 loans originated) are
HOMEBRIDGE FINANCIAL SERVICES, INC. (6.21%), Alaska USA Federal Credit Union (6.37%), Boeing Employees Credit Union (6.38%), Wells Fargo Bank (6.47%) and JPMorgan Chase Bank (6.53%).
Oak Harbor, WA 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 |
|---|---|---|---|---|
| GUILD MORTGAGE COMPANY | $67,100,000 | $42,705,000 | -36.4% | 6.3% |
| UNITED WHOLESALE MORTGAGE, LLC | $43,620,000 | $38,525,000 | -11.7% | 5.7% |
| Boeing Employees Credit Union | $55,570,000 | $33,010,000 | -40.6% | 4.9% |
| QUICKEN LOANS, LLC | $50,895,000 | $32,825,000 | -35.5% | 4.9% |
| Peoples Bank | $47,145,000 | $27,730,000 | -41.2% | 4.1% |
| CMG MORTGAGE, INC. | $4,945,000 | $27,035,000 | 446.7% | 4.0% |
| ENVOY MORTGAGE, LTD | $21,320,000 | $24,610,000 | 15.4% | 3.7% |
| NAVY FEDERAL CREDIT UNION | $33,830,000 | $23,405,000 | -30.8% | 3.5% |
| MOVEMENT MORTGAGE, LLC | $6,045,000 | $21,520,000 | 256.0% | 3.2% |
| Alaska USA Federal Credit Union | $2,325,000 | $21,255,000 | 814.2% | 3.2% |
| CROSSCOUNTRY MORTGAGE, LLC | $19,285,000 | $18,580,000 | -3.7% | 2.8% |
| Washington Federal Bank | $24,435,000 | $17,945,000 | -26.6% | 2.7% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $14,715,000 | $15,005,000 | 2.0% | 2.2% |
| U.S. Bank | $22,325,000 | $14,340,000 | -35.8% | 2.1% |
| Mortgage Research Center, LLC | $24,235,000 | $13,400,000 | -44.7% | 2.0% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $23,540,000 | $13,385,000 | -43.1% | 2.0% |
| SaviBank | $11,525,000 | n/a | 1.7% | |
| Heritage Bank | $32,470,000 | $11,285,000 | -65.2% | 1.7% |
| EVERGREEN MONEYSOURCE MORTGAGE COMPANY | $12,490,000 | $10,160,000 | -18.7% | 1.5% |
| Wells Fargo Bank | $24,165,000 | $8,970,000 | -62.9% | 1.3% |
| JPMorgan Chase Bank | $14,530,000 | $8,675,000 | -40.3% | 1.3% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $56,095,000 | $8,620,000 | -84.6% | 1.3% |
| CORNERSTONE HOME LENDING, INC. | $9,490,000 | $8,215,000 | -13.4% | 1.2% |
| Bank of America | $10,695,000 | $7,555,000 | -29.4% | 1.1% |
| PENNYMAC LOAN SERVICES, LLC | $12,140,000 | $7,070,000 | -41.8% | 1.0% |
| Morgan Stanley Private Bank | $6,530,000 | $5,770,000 | -11.6% | 0.9% |
| LOANDEPOT.COM, LLC | $13,210,000 | $5,760,000 | -56.4% | 0.9% |
| Banner Bank | $12,725,000 | $5,675,000 | -55.4% | 0.8% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $1,945,000 | $5,545,000 | 185.1% | 0.8% |
| PNC Bank | $6,200,000 | $5,375,000 | -13.3% | 0.8% |
| DAS Acquisition Company, LLC | $7,850,000 | $4,560,000 | -41.9% | 0.7% |
| Umpqua Bank | $25,345,000 | $4,495,000 | -82.3% | 0.7% |
| BAY EQUITY LLC | $7,370,000 | $4,455,000 | -39.6% | 0.7% |
| KeyBank | $12,610,000 | $4,390,000 | -65.2% | 0.7% |
| HomeStreet Bank | $9,405,000 | $3,640,000 | -61.3% | 0.5% |
| UBS Bank USA | $6,905,000 | $3,425,000 | -50.4% | 0.5% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | $815,000 | $3,405,000 | 317.8% | 0.5% |
| BROKER SOLUTIONS, INC. | $7,615,000 | $3,365,000 | -55.8% | 0.5% |
| NEWREZ LLC | $2,525,000 | $3,240,000 | 28.3% | 0.5% |
| LEADERONE FINANCIAL CORPORATION | $4,555,000 | $3,175,000 | -30.3% | 0.5% |
| CALIBER HOME LOANS, INC. | $48,185,000 | $3,155,000 | -93.5% | 0.5% |
| ACADEMY MORTGAGE CORPORATION | $9,805,000 | $3,135,000 | -68.0% | 0.5% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $2,640,000 | $3,120,000 | 18.2% | 0.5% |
| DIRECTORS MORTGAGE, INC. | $5,505,000 | $2,995,000 | -45.6% | 0.4% |
| SAMMAMISH MORTGAGE COMPANY | $2,140,000 | $2,730,000 | 27.6% | 0.4% |
| WASHINGTON STATE EMPLOYEES Credit Union | $3,630,000 | $2,725,000 | -24.9% | 0.4% |
| NFM, INC. | $5,095,000 | $2,580,000 | -49.4% | 0.4% |
| Coastal Community Bank | $2,535,000 | n/a | 0.4% | |
| FINANCE OF AMERICA REVERSE LLC | $7,155,000 | $2,470,000 | -65.5% | 0.4% |
| Flagstar Bank, FSB | $3,245,000 | $2,430,000 | -25.1% | 0.4% |
| USAA Federal Savings Bank | $1,640,000 | $2,390,000 | 45.7% | 0.4% |
| PENRITH HOME LOANS LLC | $1,785,000 | $2,370,000 | 32.8% | 0.4% |
| GUARANTEED RATE, INC. | $3,795,000 | $2,325,000 | -38.7% | 0.3% |
| Paramount Residential Mortgage Group, Inc. | $1,565,000 | $2,310,000 | 47.6% | 0.3% |
| Raymond James Bank | $605,000 | $2,295,000 | 279.3% | 0.3% |
| BMO Harris Bank | $2,265,000 | n/a | 0.3% | |
| SUMMIT FUNDING, INC. | $2,195,000 | $2,225,000 | 1.4% | 0.3% |
| Mr. Cooper ( Nationstar Mortgage ) | $6,030,000 | $1,995,000 | -66.9% | 0.3% |
| PRIORITY HOME LENDING, LLC | $405,000 | $1,875,000 | 363.0% | 0.3% |
| RBC Bank, (Georgia) | $125,000 | $1,865,000 | 1,392.0% | 0.3% |
| ARC HOME LLC | $345,000 | $1,840,000 | 433.3% | 0.3% |
| FIRST TECHNOLOGY | $5,110,000 | $1,815,000 | -64.5% | 0.3% |
| OCMBC, INC. | $1,730,000 | n/a | 0.3% | |
| Century Mortgage Company DBA Century Lending Company | $1,695,000 | n/a | 0.3% | |
| The Loan Store, Inc. | $1,695,000 | n/a | 0.3% | |
| The Federal Savings Bank | $4,220,000 | $1,690,000 | -60.0% | 0.3% |
| Charles Schwab Bank, SSB | $1,150,000 | $1,655,000 | 43.9% | 0.2% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | $645,000 | $1,645,000 | 155.0% | 0.2% |
| 1st Security Bank of Washington | $6,115,000 | $1,585,000 | -74.1% | 0.2% |
| FREEDOM MORTGAGE CORPORATION | $11,100,000 | $1,580,000 | -85.8% | 0.2% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | $1,605,000 | $1,525,000 | -5.0% | 0.2% |
| RED CANOE CREDIT UNION | $540,000 | $1,505,000 | 178.7% | 0.2% |
| Discover Bank | $255,000 | $1,450,000 | 468.6% | 0.2% |
| WHATCOM EDUCATIONAL CREDIT UNION | $930,000 | $1,440,000 | 54.8% | 0.2% |
| AMERISAVE MORTGAGE CORPORATION | $8,235,000 | $1,435,000 | -82.6% | 0.2% |
| NBKC BANK | $2,025,000 | $1,345,000 | -33.6% | 0.2% |
| GESA | $595,000 | $1,300,000 | 118.5% | 0.2% |
| Carrington Mortgage Services, LLC | $975,000 | $1,270,000 | 30.3% | 0.2% |
| MASON MCDUFFIE MORTGAGE CORPORATION | $405,000 | $1,255,000 | 209.9% | 0.2% |
| V.I.P. MORTGAGE, INC. | $1,220,000 | n/a | 0.2% | |
| Stifel Bank and Trust | $2,600,000 | $1,200,000 | -53.8% | 0.2% |
| NexBank | $2,120,000 | $1,170,000 | -44.8% | 0.2% |
| CALCON MUTUAL MORTGAGE LLC | $125,000 | $1,165,000 | 832.0% | 0.2% |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | $1,535,000 | $1,135,000 | -26.1% | 0.2% |
| SeaTrust Mortgage Company | $1,125,000 | n/a | 0.2% | |
| Axos Bank | $695,000 | $1,075,000 | 54.7% | 0.2% |
| Zions Bank | $1,075,000 | n/a | 0.2% | |
| ALLIANT CREDIT UNION | $1,440,000 | $1,055,000 | -26.7% | 0.2% |
| First-Citizens Bank & Trust Company | $685,000 | $1,010,000 | 47.4% | 0.1% |
| First Republic Bank | $1,040,000 | $1,005,000 | -3.4% | 0.1% |
| Citibank | $985,000 | n/a | 0.1% | |
| LONGBRIDGE FINANCIAL, LLC | $1,540,000 | $950,000 | -38.3% | 0.1% |
| PREMIA MORTGAGE, LLC | $375,000 | $860,000 | 129.3% | 0.1% |
| NorthWest Plus Credit Union | $2,030,000 | $855,000 | -57.9% | 0.1% |
| Figure Lending LLC | $1,470,000 | $825,000 | -43.9% | 0.1% |
| LAKEVIEW LOAN SERVICING, LLC | $3,550,000 | $825,000 | -76.8% | 0.1% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $820,000 | n/a | 0.1% | |
| NATIONWIDE EQUITIES CORPORATION | $815,000 | n/a | 0.1% | |
| UNION HOME MORTGAGE CORP. | $810,000 | n/a | 0.1% | |
| Magnolia Bank | $285,000 | $800,000 | 180.7% | 0.1% |
| AMERICAN FINANCIAL NETWORK, INC. | $790,000 | n/a | 0.1% | |
| Plains Commerce Bank | $990,000 | $790,000 | -20.2% | 0.1% |
| ON Q FINANCIAL, INC. | $1,825,000 | $765,000 | -58.1% | 0.1% |
| ZILLOW HOME LOANS, LLC | $1,240,000 | $760,000 | -38.7% | 0.1% |
| CARDINAL FINANCIAL | $2,825,000 | $740,000 | -73.8% | 0.1% |
| PACIFIC RESIDENTIAL MORTGAGE, LLC | $650,000 | $725,000 | 11.5% | 0.1% |
| American Mortgage & Equity Consultants, Inc. | $670,000 | n/a | 0.1% | |
| Qualstar Credit Union | $735,000 | $655,000 | -10.9% | 0.1% |
| First National Bank of America | $295,000 | $650,000 | 120.3% | 0.1% |
| GENEVA FINANCIAL, LLC | $465,000 | $645,000 | 38.7% | 0.1% |
| KEYPOINT | $645,000 | n/a | 0.1% | |
| Timberland Bank | $645,000 | n/a | 0.1% | |
| LENDINGHOME FUNDING CORPORATION | $1,370,000 | $640,000 | -53.3% | 0.1% |
| AmeriHome Mortgage Company, LLC | $635,000 | n/a | 0.1% | |
| GSF Mortgage Corporation | $575,000 | $635,000 | 10.4% | 0.1% |
| T2 FINANCIAL LLC | $630,000 | n/a | 0.1% | |
| Bethpage Federal Credit Union | $510,000 | $625,000 | 22.5% | 0.1% |
| SALAL | $1,285,000 | $615,000 | -52.1% | 0.1% |
| NETWORK CAPITAL FUNDING CORPORATION | $1,085,000 | $595,000 | -45.2% | 0.1% |
| BETTER MORTGAGE CORPORATION | $4,680,000 | $580,000 | -87.6% | 0.1% |
| Baxter Credit Union | $555,000 | n/a | 0.1% | |
| The Huntington National Bank | $365,000 | $545,000 | 49.3% | 0.1% |
| PHH Mortgage Corporation | $205,000 | $520,000 | 153.7% | 0.1% |
| Farmers Bank & Trust | $1,230,000 | $515,000 | -58.1% | 0.1% |
| RANLIFE, INC. | $475,000 | $515,000 | 8.4% | 0.1% |
| Sunflower Bank | $535,000 | $515,000 | -3.7% | 0.1% |
| Barrington Bank & Trust Company, N.A. | $1,020,000 | $505,000 | -50.5% | 0.1% |
| COLUMBIA COMMUNITY CREDIT UNION | $505,000 | n/a | 0.1% | |
| Commerce Home Mortgage, Inc. | $495,000 | n/a | 0.1% | |
| AMERICAN FINANCIAL RESOURCES, INC. | $215,000 | $490,000 | 127.9% | 0.1% |
| MID AMERICA MORTGAGE, INC. | $490,000 | n/a | 0.1% | |
| DHI MORTGAGE COMPANY, LTD. | $485,000 | n/a | 0.1% | |
| NATIONS DIRECT MORTGAGE, LLC | $705,000 | $485,000 | -31.2% | 0.1% |
| ONY GLO, INC. | $485,000 | n/a | 0.1% | |
| The Central Trust Bank | $475,000 | $485,000 | 2.1% | 0.1% |
| Equity Prime Mortgage LLC | $940,000 | $465,000 | -50.5% | 0.1% |
| NEW DAY FINANCIAL, LLC | $2,760,000 | $465,000 | -83.2% | 0.1% |
| SECURITYNATIONAL MORTGAGE COMPANY | $465,000 | n/a | 0.1% | |
| Citadel Servicing Corporation | $460,000 | n/a | 0.1% | |
| HAPO COMMUNITY CREDIT UNION | $425,000 | n/a | 0.1% | |
| Wallick & Volk, Inc. | $1,270,000 | $420,000 | -66.9% | 0.1% |
| NEXERA HOLDING LLC | $870,000 | $405,000 | -53.4% | 0.1% |
| AMWEST FUNDING CORP. | $395,000 | n/a | 0.1% | |
| SOUND | $1,395,000 | $395,000 | -71.7% | 0.1% |
| HOMEXPRESS MORTGAGE CORP. | $435,000 | $385,000 | -11.5% | 0.1% |
| PLANET HOME LENDING, LLC | $315,000 | $385,000 | 22.2% | 0.1% |
| Third Federal Savings and Loan Association of Cleveland | $205,000 | $370,000 | 80.5% | 0.1% |
| TRIAD FINANCIAL SERVICES, INC. | $65,000 | $360,000 | 453.8% | 0.1% |
| Franklin Loan Corporation | $715,000 | $355,000 | -50.3% | 0.1% |
| HSBC BANK USA, NATIONAL ASSOCIATION | $1,115,000 | $345,000 | -69.1% | 0.1% |
| PENTAGON FEDERAL CREDIT UNION | $470,000 | $315,000 | -33.0% | 0.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | $355,000 | $305,000 | -14.1% | 0.0% |
| LOANPAL, LLC | $305,000 | n/a | 0.0% | |
| FIBRE FEDERAL CREDIT UNION | $300,000 | n/a | 0.0% | |
| SPRING EQ, LLC | $1,080,000 | $300,000 | -72.2% | 0.0% |
| Cathay Bank | $295,000 | n/a | 0.0% | |
| FEDEX EMPLOYEES CREDIT ASSOCIATION | $295,000 | n/a | 0.0% | |
| MOUNTAIN WEST FINANCIAL, INC. | $295,000 | n/a | 0.0% | |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $3,460,000 | $295,000 | -91.5% | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | $1,025,000 | $285,000 | -72.2% | 0.0% |
| CHERRY CREEK MORTGAGE, LLC | $2,115,000 | $275,000 | -87.0% | 0.0% |
| WINGS FINANCIAL | $275,000 | n/a | 0.0% | |
| AMERICAN FINANCING CORPORATION | $690,000 | $265,000 | -61.6% | 0.0% |
| TOP FLITE FINANCIAL, INC. | $265,000 | n/a | 0.0% | |
| Armed Forces Bank | $820,000 | $255,000 | -68.9% | 0.0% |
| Washington Trust Bank | $85,000 | $255,000 | 200.0% | 0.0% |
| First Federal Savings and Loan Association of Port Angeles | $5,020,000 | $245,000 | -95.1% | 0.0% |
| MICHIGAN MUTUAL, INC. | $325,000 | $245,000 | -24.6% | 0.0% |
| HARBORSTONE | $200,000 | n/a | 0.0% | |
| Sound Community Bank | $2,035,000 | $185,000 | -90.9% | 0.0% |
| HomeTrust Bank | $475,000 | $180,000 | -62.1% | 0.0% |
| OAKTREE FUNDING CORP. | $175,000 | n/a | 0.0% | |
| Firefighters First Federal Credit Union | $155,000 | n/a | 0.0% | |
| OnPoint Community Credit Union | $155,000 | n/a | 0.0% | |
| State Department Federal Credit Union | $155,000 | n/a | 0.0% | |
| NATIONWIDE MORTGAGE BANKERS, INC. | $135,000 | n/a | 0.0% | |
| TWINSTAR | $115,000 | n/a | 0.0% | |
| CHEVRON | $75,000 | n/a | 0.0% | |
| SPOKANE TEACHERS | $125,000 | $75,000 | -40.0% | 0.0% |
| First Financial Northwest Bank | $305,000 | $65,000 | -78.7% | 0.0% |
| iQ Credit Union | $55,000 | n/a | 0.0% | |
| O BEE | $155,000 | $55,000 | -64.5% | 0.0% |
| TAPCO Credit Union | $405,000 | $55,000 | -86.4% | 0.0% |
| KITSAP Credit Union | $895,000 | $35,000 | -96.1% | 0.0% |
| VERITY | $717,030,000 | $25,000 | -100.0% | 0.0% |
Oak Harbor's top lender by overall market share is GUILD MORTGAGE COMPANY, with 6.3% market share. In second place, with 5.7%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $38,525,000 in loans. In third place, with 4.9%, is Boeing Employees Credit Union, having originated $33,010,000 in loans. In fourth place, with 4.9%, is QUICKEN LOANS, LLC, having originated $32,825,000 in loans. In fifth place, with 4.1%, is Peoples Bank, having originated $27,730,000 in loans.
Oak Harbor, WA Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 1,085 | $508,285,000 | $468,465 |
| Home Improvement | 277 | $33,835,000 | $122,148 |
| Cash Out Refi | 209 | $67,135,000 | $321,220 |
| Other | 189 | $34,925,000 | $184,788 |
| Refi | 120 | $29,870,000 | $248,917 |
Oak Harbor's most frequently cited loan purpose was Home Purchase, with 1,085 originations. The 2nd most popular reason was Home Improvement, with 277 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 597 | $269,745,000 | $451,834 |
| Over 8% | 399 | $63,225,000 | $158,459 |
| 7-8% | 381 | $146,155,000 | $383,609 |
| 5-6% | 330 | $155,400,000 | $470,909 |
| 4-5% | 108 | $20,410,000 | $188,981 |
| <2.5% | 20 | $3,330,000 | $166,500 |
| 3-4% | 4 | $1,960,000 | $490,000 |
| 2.5-3% | 3 | $1,875,000 | $625,000 |
During 2023, Oak Harbor's most frequently originated rate bucket was 6-7%, with 597 originations.
Loan Sizing (Oak Harbor, WA MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $400k-600k | 532 | $256,370,000 | $481,898 |
| $200k-400k | 525 | $161,155,000 | $306,962 |
| $100,000 or less | 298 | $15,690,000 | $52,651 |
| $100k-200k | 273 | $37,285,000 | $136,575 |
| $600k-1000k | 215 | $156,035,000 | $725,744 |
| $Over $1MM | 37 | $47,515,000 | $1,284,189 |
Oak Harbor's loan sizing saw the bucket of loans from $400k-600k with 532 originations, totaling $256,370,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 513 | $255,075,000 | $497,222 |
| Under 20% | 425 | $33,685,000 | $79,259 |
| 60-80% | 355 | $187,925,000 | $529,366 |
| 20-40% | 245 | $55,545,000 | $226,714 |
| 40-60% | 199 | $79,465,000 | $399,322 |
| Over 100% | 98 | $46,190,000 | $471,327 |
Oak Harbor's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 513 originations, totaling $255,075,000 in origination value.