Ottawa Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Ottawa averaged
6.98%
for the week of 2024-11-07, compared to the national average of
6.79% for the same period.
The average rate for the prior week (2024-10-31) was
6.81% and
one month ago for the week of 2024-10-03, the
average rate was 6.21%.
Ottawa's average rate one year ago was 7.55%.
For refis of the same type during the week of 2024-11-07, the average rate
was 7.09%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2024-11-07 | 6.79% |
| Ottawa 30 Year Fixed Rate | 2024-11-07 | 6.98% |
| Ottawa 30 Year Fixed Rate Refi | 2024-11-07 | 7.09% |
| Ottawa 15 Year Fixed Rate | 2024-11-07 | 6.1% |
| Ottawa 15 Year Fixed Rate Refi | 2024-11-07 | 6.1% |
| Ottawa 30 Year FHA | 2024-11-07 | 6.59% |
| Ottawa 30 Year FHA Refi | 2024-11-07 | 6.33% |
| Ottawa 30 Year USDA | 2024-11-07 | 6.28% |
| Ottawa 30 Year USDA Refi | 2024-11-07 | 6.48% |
| Ottawa 30 Year VA | 2024-11-07 | 6.48% |
| Ottawa 30 Year VA Refi | 2024-11-07 | 6.54% |
Ottawa 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 Ottawa, IL 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.).
Ottawa Average Closing Costs & Other Stats
Ottawa, IL's 114 lenders originated 2,028
loans during 2023. The total origination value was $278,180,000, with an average loan value of
$137,170.
Ottawa's average closing costs are $3,687.
The top Ottawa lender as defined by loan originations is First State Bank, with
79 loans originated. Their average total fees are
$1,822, which is $1,198
lower than the next largest lender,
Ottawa Savings Bank.
The lowest fee Ottawa lenders (with over 10 loans originated) are
FINANCIAL PLUS ($1,228), First State Bank ($1,822), Central Bank Illinois ($2,227), Heartland Bank and Trust Company ($2,350) and Community Mortgage Banc Corporation ($2,402).
The lowest rate Ottawa lenders (with over 10 loans originated) are
Ottawa Savings Bank (6.49%), FINANCIAL PLUS (6.50%), The First National Bank of Ottawa (6.54%), First State Bank (6.57%) and CALIBER HOME LOANS, INC. (6.57%).
Ottawa, IL 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 |
|---|---|---|---|---|
| First State Bank | $26,640,000 | $19,395,000 | -27.2% | 7.0% |
| QUICKEN LOANS, LLC | $21,260,000 | $14,885,000 | -30.0% | 5.4% |
| Central Bank Illinois | $13,305,000 | $14,260,000 | 7.2% | 5.1% |
| First Federal Savings Bank | $12,170,000 | $13,305,000 | 9.3% | 4.8% |
| Ottawa Savings Bank | $20,275,000 | $11,815,000 | -41.7% | 4.2% |
| FINANCIAL PLUS | $16,590,000 | $9,490,000 | -42.8% | 3.4% |
| GUARANTEED RATE, INC. | $12,915,000 | $8,865,000 | -31.4% | 3.2% |
| The First National Bank of Ottawa | $12,330,000 | $8,135,000 | -34.0% | 2.9% |
| Wells Fargo Bank | $13,520,000 | $6,720,000 | -50.3% | 2.4% |
| Heartland Bank and Trust Company | $6,315,000 | $6,645,000 | 5.2% | 2.4% |
| LOANDEPOT.COM, LLC | $5,435,000 | $6,570,000 | 20.9% | 2.4% |
| Mortgage Research Center, LLC | $4,630,000 | $5,805,000 | 25.4% | 2.1% |
| FIRST CENTENNIAL MORTGAGE CORPORATION | $6,050,000 | $5,235,000 | -13.5% | 1.9% |
| Community Mortgage Banc Corporation | $5,165,000 | $4,440,000 | -14.0% | 1.6% |
| Streator Onized Credit Union | $3,400,000 | $4,415,000 | 29.9% | 1.6% |
| Old Second National Bank | $5,115,000 | $4,275,000 | -16.4% | 1.5% |
| U.S. Bank | $1,985,000 | $4,150,000 | 109.1% | 1.5% |
| UNITED WHOLESALE MORTGAGE, LLC | $3,745,000 | $4,025,000 | 7.5% | 1.4% |
| CALIBER HOME LOANS, INC. | $12,465,000 | $4,005,000 | -67.9% | 1.4% |
| COMPEER FINANCIAL, FLCA | $2,795,000 | $3,605,000 | 29.0% | 1.3% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $3,110,000 | $3,345,000 | 7.6% | 1.2% |
| Old National Bank | $3,190,000 | $3,345,000 | 4.9% | 1.2% |
| First National Bank of Omaha | $4,435,000 | $2,945,000 | -33.6% | 1.1% |
| NEWREZ LLC | $1,445,000 | $2,880,000 | 99.3% | 1.0% |
| Hometown National Bank | $3,040,000 | $2,820,000 | -7.2% | 1.0% |
| Grundy Bank | $2,500,000 | $2,480,000 | -0.8% | 0.9% |
| Midland States Bank | $5,220,000 | $2,425,000 | -53.5% | 0.9% |
| JPMorgan Chase Bank | $5,640,000 | $2,395,000 | -57.5% | 0.9% |
| CROSSCOUNTRY MORTGAGE, LLC | $3,815,000 | $2,360,000 | -38.1% | 0.8% |
| COMPASS MORTGAGE, INC. | $3,455,000 | $2,125,000 | -38.5% | 0.8% |
| FIRST STATE MORTGAGE SERVICES, LLC | $5,045,000 | $2,125,000 | -57.9% | 0.8% |
| The Federal Savings Bank | $1,475,000 | $2,110,000 | 43.1% | 0.8% |
| Neighborhood Loans, Inc. | $1,830,000 | $1,765,000 | -3.6% | 0.6% |
| The Huntington National Bank | $1,450,000 | $1,680,000 | 15.9% | 0.6% |
| GUARANTEED RATE AFFINITY, LLC | $1,220,000 | $1,590,000 | 30.3% | 0.6% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $3,470,000 | $1,550,000 | -55.3% | 0.6% |
| PLANET HOME LENDING, LLC | $1,485,000 | $1,530,000 | 3.0% | 0.6% |
| AMERISAVE MORTGAGE CORPORATION | $1,915,000 | $1,495,000 | -21.9% | 0.5% |
| Bank of America | $1,160,000 | $1,480,000 | 27.6% | 0.5% |
| Resource Bank, N.A. | $1,430,000 | n/a | 0.5% | |
| Mr. Cooper ( Nationstar Mortgage ) | $3,325,000 | $1,250,000 | -62.4% | 0.4% |
| GREENSTATE CREDIT UNION | $245,000 | $1,235,000 | 404.1% | 0.4% |
| PENNYMAC LOAN SERVICES, LLC | $1,245,000 | $1,195,000 | -4.0% | 0.4% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $1,400,000 | $1,160,000 | -17.1% | 0.4% |
| Flanagan State Bank | $1,165,000 | $1,095,000 | -6.0% | 0.4% |
| Peoples National Bank of Kewanee | $1,095,000 | n/a | 0.4% | |
| Barrington Bank & Trust Company, N.A. | $770,000 | $1,030,000 | 33.8% | 0.4% |
| St Charles Bank & Trust | $1,025,000 | n/a | 0.4% | |
| GUILD MORTGAGE COMPANY | $995,000 | n/a | 0.4% | |
| NUMARK CREDIT UNION | $305,000 | $955,000 | 213.1% | 0.3% |
| DIAMOND RESIDENTIAL MORTGAGE CORPORATION | $155,000 | $935,000 | 503.2% | 0.3% |
| FLAT BRANCH MORTGAGE, INC. | $915,000 | $900,000 | -1.6% | 0.3% |
| NAVY FEDERAL CREDIT UNION | $2,825,000 | $890,000 | -68.5% | 0.3% |
| Morton Community Bank | $765,000 | $875,000 | 14.4% | 0.3% |
| Plains Commerce Bank | $145,000 | $870,000 | 500.0% | 0.3% |
| Nations Lending Corporation | $855,000 | n/a | 0.3% | |
| Carrington Mortgage Services, LLC | $580,000 | $820,000 | 41.4% | 0.3% |
| Ixonia Bank | $220,000 | $795,000 | 261.4% | 0.3% |
| Busey Bank | $570,000 | $760,000 | 33.3% | 0.3% |
| United Community Bank | $1,540,000 | $760,000 | -50.6% | 0.3% |
| PENTAGON FEDERAL CREDIT UNION | $270,000 | $740,000 | 174.1% | 0.3% |
| CIBM Bank | $275,000 | $730,000 | 165.5% | 0.3% |
| Bank of Pontiac | $635,000 | $710,000 | 11.8% | 0.3% |
| BMO Harris Bank | $845,000 | $700,000 | -17.2% | 0.3% |
| BROKER SOLUTIONS, INC. | $720,000 | $700,000 | -2.8% | 0.3% |
| North Shore Trust and Savings | $690,000 | n/a | 0.2% | |
| THE ANDERSON FINANCIAL GROUP, INC. | $665,000 | $675,000 | 1.5% | 0.2% |
| BAY EQUITY LLC | $330,000 | $660,000 | 100.0% | 0.2% |
| First Savings Bank | $390,000 | $610,000 | 56.4% | 0.2% |
| Key Mortgage Services, Inc. | $240,000 | $610,000 | 154.2% | 0.2% |
| CITIZENS EQUITY FIRST | $865,000 | $600,000 | -30.6% | 0.2% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $585,000 | n/a | 0.2% | |
| Citibank | $105,000 | $575,000 | 447.6% | 0.2% |
| FREEDOM MORTGAGE CORPORATION | $1,430,000 | $565,000 | -60.5% | 0.2% |
| SUN WEST MORTGAGE COMPANY, INC. | $220,000 | $565,000 | 156.8% | 0.2% |
| Fifth Third Bank | $1,295,000 | $560,000 | -56.8% | 0.2% |
| Century Mortgage Company DBA Century Lending Company | $730,000 | $555,000 | -24.0% | 0.2% |
| Flagstar Bank, FSB | $3,570,000 | $550,000 | -84.6% | 0.2% |
| Allied First Bank,sb | $440,000 | $545,000 | 23.9% | 0.2% |
| PNC Bank | $1,625,000 | $535,000 | -67.1% | 0.2% |
| STATE BANK OFTOULON | $520,000 | n/a | 0.2% | |
| UNION HOME MORTGAGE CORP. | $580,000 | $520,000 | -10.3% | 0.2% |
| USAA Federal Savings Bank | $1,160,000 | $515,000 | -55.6% | 0.2% |
| Prosperity Home Mortgage, LLC | $285,000 | $505,000 | 77.2% | 0.2% |
| Discover Bank | $255,000 | $495,000 | 94.1% | 0.2% |
| DRAPER AND KRAMER MORTGAGE CORP. | $400,000 | $490,000 | 22.5% | 0.2% |
| PARLAY MORTGAGE & PROPERTY, INC. | $380,000 | $480,000 | 26.3% | 0.2% |
| PLAZA HOME MORTGAGE, INC. | $2,325,000 | $455,000 | -80.4% | 0.2% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $870,000 | $455,000 | -47.7% | 0.2% |
| Associated Bank | $7,200,000 | $445,000 | -93.8% | 0.2% |
| Servion, Inc. | $810,000 | $445,000 | -45.1% | 0.2% |
| Citizens Bank | $375,000 | $440,000 | 17.3% | 0.2% |
| First State Bank of Forrest | $35,000 | $430,000 | 1,128.6% | 0.2% |
| ROYAL UNITED MORTGAGE LLC | $280,000 | $430,000 | 53.6% | 0.2% |
| MID AMERICA MORTGAGE, INC. | $420,000 | n/a | 0.2% | |
| Liberty Bank for Savings | $405,000 | n/a | 0.1% | |
| First American Bank | $625,000 | $400,000 | -36.0% | 0.1% |
| BETTER MORTGAGE CORPORATION | $485,000 | $375,000 | -22.7% | 0.1% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $370,000 | n/a | 0.1% | |
| NEW DAY FINANCIAL, LLC | $1,035,000 | $370,000 | -64.3% | 0.1% |
| ZILLOW HOME LOANS, LLC | $515,000 | $365,000 | -29.1% | 0.1% |
| CMG MORTGAGE, INC. | $495,000 | $360,000 | -27.3% | 0.1% |
| Stifel Bank and Trust | $355,000 | n/a | 0.1% | |
| 21ST MORTGAGE CORPORATION | $170,000 | $350,000 | 105.9% | 0.1% |
| CARDINAL FINANCIAL | $1,175,000 | $350,000 | -70.2% | 0.1% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | $145,000 | $350,000 | 141.4% | 0.1% |
| ILLINOIS STATE CREDIT UNION | $295,000 | $350,000 | 18.6% | 0.1% |
| MEMBER FIRST MORTGAGE, LLC | $350,000 | n/a | 0.1% | |
| Farmers National Bank | $355,000 | $340,000 | -4.2% | 0.1% |
| INB | $65,000 | $340,000 | 423.1% | 0.1% |
| PREMIA MORTGAGE, LLC | $305,000 | $325,000 | 6.6% | 0.1% |
| Cf Bank | $315,000 | n/a | 0.1% | |
| DuTrac Community Credit Union | $315,000 | n/a | 0.1% | |
| STOCKTON MORTGAGE CORPORATION | $305,000 | n/a | 0.1% | |
| Wyndham Capital Mortgage, Inc. | $390,000 | $305,000 | -21.8% | 0.1% |
| ACADEMY MORTGAGE CORPORATION | $290,000 | n/a | 0.1% | |
| AmeriHome Mortgage Company, LLC | $475,000 | $290,000 | -38.9% | 0.1% |
| THRIVENT Federal Credit Union | $140,000 | $290,000 | 107.1% | 0.1% |
| COMMUNITY STATE BANK | $280,000 | n/a | 0.1% | |
| Mortgage Assurance Inc. | $275,000 | n/a | 0.1% | |
| Paramount Residential Mortgage Group, Inc. | $310,000 | $275,000 | -11.3% | 0.1% |
| PROPER RATE, LLC | $275,000 | n/a | 0.1% | |
| PROVIDENT FUNDING ASSOCIATES, L.P. | $145,000 | $275,000 | 89.7% | 0.1% |
| Sauk Valley Bank & Trust Company | $35,000 | $270,000 | 671.4% | 0.1% |
| Morgan Stanley Private Bank | $400,000 | $265,000 | -33.8% | 0.1% |
| First Federal Bank | $255,000 | n/a | 0.1% | |
| FIRST MORTGAGE COMPANY, INC. | $255,000 | n/a | 0.1% | |
| MLD MORTGAGE INC. | $255,000 | n/a | 0.1% | |
| RUHL MORTGAGE, LLC | $235,000 | n/a | 0.1% | |
| Goodfield State Bank | $15,000 | $230,000 | 1,433.3% | 0.1% |
| Mutual Federal Bank | $690,000 | $215,000 | -68.8% | 0.1% |
| Pacor Mortgage Corp | $400,000 | $215,000 | -46.3% | 0.1% |
| DUPACO COMMUNITY | $65,000 | $205,000 | 215.4% | 0.1% |
| Merchants and Manufacturers Bank | $225,000 | $205,000 | -8.9% | 0.1% |
| Midwest Bank | $205,000 | n/a | 0.1% | |
| United Fidelity Funding Corp. | $205,000 | n/a | 0.1% | |
| LENDINGONE, LLC | $200,000 | n/a | 0.1% | |
| CHURCHILL MORTGAGE CORPORATION | $55,000 | $195,000 | 254.5% | 0.1% |
| SENB Bank | $115,000 | $195,000 | 69.6% | 0.1% |
| GENEVA FINANCIAL, LLC | $75,000 | $190,000 | 153.3% | 0.1% |
| Arvest Bank | $185,000 | n/a | 0.1% | |
| Merchants Mortgage & Trust Corporation | $185,000 | n/a | 0.1% | |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $185,000 | n/a | 0.1% | |
| Peoples Bank | $325,000 | $175,000 | -46.2% | 0.1% |
| Petefish, Skiles & Co. | $175,000 | n/a | 0.1% | |
| FNBC Bank & Trust | $155,000 | $165,000 | 6.5% | 0.1% |
| NATIONS DIRECT MORTGAGE, LLC | $435,000 | $165,000 | -62.1% | 0.1% |
| GREAT LAKES | $35,000 | $155,000 | 342.9% | 0.1% |
| Ipava State Bank | $390,000 | $155,000 | -60.3% | 0.1% |
| Republic Bank of Chicago | $155,000 | n/a | 0.1% | |
| AMERICAN FINANCING CORPORATION | $850,000 | $150,000 | -82.4% | 0.1% |
| POINT Mortgage | $150,000 | n/a | 0.1% | |
| Figure Lending LLC | $270,000 | $145,000 | -46.3% | 0.1% |
| NEXERA HOLDING LLC | $145,000 | n/a | 0.1% | |
| Coastal Community Bank | $140,000 | n/a | 0.1% | |
| DAS Acquisition Company, LLC | $220,000 | $135,000 | -38.6% | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | $135,000 | n/a | 0.0% | |
| HOMESIDE FINANCIAL, LLC | $600,000 | $135,000 | -77.5% | 0.0% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | $135,000 | n/a | 0.0% | |
| TOWNE MORTGAGE COMPANY | $135,000 | n/a | 0.0% | |
| Bank of England | $135,000 | $130,000 | -3.7% | 0.0% |
| I. H. MISSISSIPPI VALLEY CREDIT UNION | $785,000 | $130,000 | -83.4% | 0.0% |
| Third Federal Savings and Loan Association of Cleveland | $130,000 | n/a | 0.0% | |
| AMERICAN FINANCIAL NETWORK, INC. | $125,000 | n/a | 0.0% | |
| CoVantage Credit Union | $125,000 | n/a | 0.0% | |
| HOMEXPRESS MORTGAGE CORP. | $125,000 | n/a | 0.0% | |
| LENDSURE MORTGAGE CORP. | $125,000 | n/a | 0.0% | |
| EMBRACE HOME LOANS, INC. | $120,000 | n/a | 0.0% | |
| AMCAP MORTGAGE, LTD. | $115,000 | n/a | 0.0% | |
| HEARTLAND | $115,000 | n/a | 0.0% | |
| IAA Credit Union | $115,000 | n/a | 0.0% | |
| NexBank | $115,000 | n/a | 0.0% | |
| DEEPHAVEN MORTGAGE LLC | $105,000 | n/a | 0.0% | |
| First Mid Bank & Trust | $105,000 | n/a | 0.0% | |
| LIMA ONE CAPITAL, LLC | $155,000 | $105,000 | -32.3% | 0.0% |
| MOVEMENT MORTGAGE, LLC | $555,000 | $105,000 | -81.1% | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | $35,000 | $105,000 | 200.0% | 0.0% |
| EVERETT FINANCIAL, INC. | $95,000 | n/a | 0.0% | |
| ENDEAVOR CAPITAL, LLC. | $90,000 | n/a | 0.0% | |
| First National Bank of America | $85,000 | n/a | 0.0% | |
| Providence Bank & Trust | $85,000 | n/a | 0.0% | |
| State Bank of Graymont | $130,000 | $80,000 | -38.5% | 0.0% |
| ALLIANT CREDIT UNION | $240,000 | $75,000 | -68.8% | 0.0% |
| SKYONE Federal Credit Union | $75,000 | n/a | 0.0% | |
| FARMERS INSURANCE GROUP FEDERAL CREDIT UNION | $35,000 | $65,000 | 85.7% | 0.0% |
| PURDUE FEDERAL CREDIT UNION | $65,000 | n/a | 0.0% | |
| Union Federal Savings and Loan Association | $90,000 | $65,000 | -27.8% | 0.0% |
| Deere Employees Credit Union | $120,000 | $60,000 | -50.0% | 0.0% |
| First Merchants Bank | $55,000 | n/a | 0.0% | |
| Iroquois Federal Savings and Loan Association | $250,000 | $55,000 | -78.0% | 0.0% |
| NATIONS RELIABLE LENDING, LLC | $65,000 | $55,000 | -15.4% | 0.0% |
| MidAmerica National Bank | $345,000 | $45,000 | -87.0% | 0.0% |
| Baxter Credit Union | $35,000 | n/a | 0.0% | |
| EVANSVILLE TEACHERS | $35,000 | n/a | 0.0% | |
| First Financial Bank | $35,000 | n/a | 0.0% | |
| Illinois Community Credit Unio | $115,000 | $35,000 | -69.6% | 0.0% |
| Lakeview Community Capital, LLC | $35,000 | n/a | 0.0% | |
| Marquette Bank | $35,000 | n/a | 0.0% | |
| Toyota Financial Savings Bank | $35,000 | n/a | 0.0% | |
| APCI Federal Credit Union | $25,000 | $25,000 | 0.0% | 0.0% |
| Credit Union 1 | $25,000 | n/a | 0.0% |
Ottawa's top lender by overall market share is First State Bank, with 7.0% market share. In second place, with 5.4%, is QUICKEN LOANS, LLC, having originated $14,885,000 in loans. In third place, with 5.1%, is Central Bank Illinois, having originated $14,260,000 in loans. In fourth place, with 4.8%, is First Federal Savings Bank, having originated $13,305,000 in loans. In fifth place, with 4.2%, is Ottawa Savings Bank, having originated $11,815,000 in loans.
Ottawa, IL Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 1,405 | $217,085,000 | $154,509 |
| Cash Out Refi | 179 | $22,395,000 | $125,112 |
| Refi | 164 | $19,200,000 | $117,073 |
| Other | 149 | $11,125,000 | $74,664 |
| Home Improvement | 131 | $8,375,000 | $63,931 |
Ottawa's most frequently cited loan purpose was Home Purchase, with 1,405 originations. The 2nd most popular reason was Cash Out Refi, with 179 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 822 | $130,630,000 | $158,917 |
| 7-8% | 481 | $70,275,000 | $146,102 |
| 5-6% | 204 | $30,300,000 | $148,529 |
| Over 8% | 159 | $13,815,000 | $86,887 |
| <2.5% | 49 | $675,000 | $13,776 |
| 4-5% | 18 | $1,540,000 | $85,556 |
| 3-4% | 11 | $465,000 | $42,273 |
During 2023, Ottawa's most frequently originated rate bucket was 6-7%, with 822 originations.
Loan Sizing (Ottawa, IL MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $100,000 or less | 885 | $50,585,000 | $57,158 |
| $100k-200k | 745 | $104,495,000 | $140,262 |
| $200k-400k | 345 | $92,455,000 | $267,986 |
| $400k-600k | 42 | $20,480,000 | $487,619 |
| $600k-1000k | 7 | $5,025,000 | $717,857 |
| $Over $1MM | 4 | $5,140,000 | $1,285,000 |
Ottawa's loan sizing saw the bucket of loans from $100,000 or less with 885 originations, totaling $50,585,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 870 | $143,580,000 | $165,034 |
| 60-80% | 411 | $64,475,000 | $156,873 |
| Under 20% | 165 | $4,875,000 | $29,545 |
| 20-40% | 149 | $12,925,000 | $86,745 |
| 40-60% | 136 | $17,650,000 | $129,779 |
| Over 100% | 15 | $3,525,000 | $235,000 |
Ottawa's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 870 originations, totaling $143,580,000 in origination value.