Williston Mortgage Rates & Closing Costs

30yr Fixed Rate 15yr Fixed Rate FHA USDA VA 5/1 ARM

30 Year Fixed Rate mortgages in Williston averaged 6.6% for the week of 2024-11-14, compared to the national average of 6.78% for the same period.

The average rate for the prior week (2024-11-07) was 6.51% and one month ago for the week of 2024-10-10, the average rate was 6.44%.

Williston's average rate one year ago was 7.22%.

For refis of the same type during the week of 2024-11-14, the average rate was 7.38%.

Loan Type Date Rate
US 30 Year Fixed Rate 2024-11-14 6.78%
Williston 30 Year Fixed Rate 2024-11-14 6.6%
Williston 30 Year Fixed Rate Refi 2024-11-14 7.38%
Williston 15 Year Fixed Rate 2024-11-14 5.79%
Williston 15 Year Fixed Rate Refi 2024-11-14 6.09%
Williston 30 Year FHA 2024-11-14 -0.02%
Williston 30 Year FHA Refi 2024-11-14 0.2%
Williston 30 Year USDA 2024-11-14 -0.2%
Williston 30 Year USDA Refi 2024-11-14 0%
Williston 30 Year VA 2024-11-14 0%
Williston 30 Year VA Refi 2024-11-14 0%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Williston, ND.

Williston 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 Williston, ND 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
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 45 6.72% $6,455
Gate City Bank 36 6.18% $6,210
U.S. Bank 32 6.83% $3,960
WESTERN COOPERATIVE CREDIT UNION 13 6.49% $5,022
MANN FINANCIAL INC. 11 5.26% $573
AMCAP MORTGAGE, LTD. 6 6.88% $6,368
QUICKEN LOANS, LLC 6 6.96% $9,355
First International Bank & Trust 6 7.08% $2,964
LOANDEPOT.COM, LLC 5 6.73% $8,508
Unify Home Lending Inc. 4 6.56% $7,023
UNITED WHOLESALE MORTGAGE, LLC 3 7.00% $5,579
GUARANTEED RATE, INC. 3 7.54% $6,928
NEWREZ LLC 3 7.46% $7,648
CRESCENT MORTGAGE COMPANY 2 7.44% $4,832
BROKER SOLUTIONS, INC. 2 6.42% $8,756
Mr. Cooper ( Nationstar Mortgage ) 2 7.06% $7,640
Wells Fargo Bank 2 5.69% $14,295
BAY EQUITY LLC 1 6.38% $10,211
Barrington Bank & Trust Company, N.A. 1 7.63% $3,612
Mortgage Research Center, LLC 1 5.99% $504
MOVEMENT MORTGAGE, LLC 1 6.38% $7,497
American Mortgage & Equity Consultants, Inc. 1 7.38% $8,563
NBKC BANK 1 6.38% $2,698
Flagstar Bank, FSB 1 6.63% $6,350
PENTAGON FEDERAL CREDIT UNION 1 5.63% $5,402
BANKWEST, INC. 1 6.63% $3,803
Stockman Bank of Montana 1 6.50% $5,755
TOWN AND COUNTRY Credit Union 1 6.63% $4,579
First Western Bank & Trust 1 7.13% $5,073
Choice Financial Group 1 6.50% $3,067
ANGEL OAK MORTGAGE SOLUTIONS LLC 1 11.25% $14,048
ZILLOW HOME LOANS, LLC 1 7.88% $6,189
GUARANTEED RATE AFFINITY, LLC 1 6.38% $0
JPMorgan Chase Bank 1 6.38% $101

Williston Average Closing Costs & Other Stats

Williston, ND's 34 lenders originated 528 loans during 2023. The total origination value was $141,110,000, with an average loan value of $267,254.

Williston's average closing costs are $6,237.

The top Williston lender as defined by loan originations is FAIRWAY INDEPENDENT MORTGAGE CORPORATION, with 45 loans originated. Their average total fees are $6,455, which is $245 higher than the next largest lender, Gate City Bank.

The lowest fee Williston lenders (with over 10 loans originated) are MANN FINANCIAL INC. ($573), U.S. Bank ($3,960), WESTERN COOPERATIVE CREDIT UNION ($5,022), Gate City Bank ($6,210) and FAIRWAY INDEPENDENT MORTGAGE CORPORATION ($6,455).

The lowest rate Williston lenders (with over 10 loans originated) are MANN FINANCIAL INC. (5.26%), Gate City Bank (6.18%), WESTERN COOPERATIVE CREDIT UNION (6.49%), FAIRWAY INDEPENDENT MORTGAGE CORPORATION (6.72%) and U.S. Bank (6.83%).

Williston, ND 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
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $17,255,000 $31,560,000 82.9% 22.4%
Gate City Bank $27,660,000 $24,415,000 -11.7% 17.3%
U.S. Bank $20,705,000 $16,930,000 -18.2% 12.0%
First International Bank & Trust $14,110,000 $8,485,000 -39.9% 6.0%
WESTERN COOPERATIVE CREDIT UNION $9,640,000 $7,805,000 -19.0% 5.5%
QUICKEN LOANS, LLC $7,300,000 $5,425,000 -25.7% 3.8%
Unify Home Lending Inc. $8,025,000 $4,835,000 -39.8% 3.4%
GUARANTEED RATE, INC. $7,170,000 $4,790,000 -33.2% 3.4%
Mortgage Research Center, LLC $4,955,000 $3,990,000 -19.5% 2.8%
LOANDEPOT.COM, LLC $7,815,000 $3,465,000 -55.7% 2.5%
AMCAP MORTGAGE, LTD. $10,015,000 $3,050,000 -69.5% 2.2%
MANN FINANCIAL INC. $155,000 $1,885,000 1,116.1% 1.3%
UNITED WHOLESALE MORTGAGE, LLC $3,035,000 $1,705,000 -43.8% 1.2%
CARDINAL FINANCIAL $2,690,000 $1,525,000 -43.3% 1.1%
Wells Fargo Bank $2,440,000 $1,465,000 -40.0% 1.0%
NEWREZ LLC $440,000 $1,410,000 220.5% 1.0%
BAY EQUITY LLC $1,055,000 n/a 0.7%
BROKER SOLUTIONS, INC. $875,000 $1,045,000 19.4% 0.7%
Mr. Cooper ( Nationstar Mortgage ) $2,680,000 $995,000 -62.9% 0.7%
Bank of England $285,000 $985,000 245.6% 0.7%
Flagstar Bank, FSB $1,065,000 $915,000 -14.1% 0.6%
ARK-LA-TEX FINANCIAL SERVICES, LLC. $2,140,000 $880,000 -58.9% 0.6%
CRESCENT MORTGAGE COMPANY $805,000 n/a 0.6%
First Western Bank & Trust $670,000 n/a 0.5%
Barrington Bank & Trust Company, N.A. $410,000 $645,000 57.3% 0.5%
Stockman Bank of Montana $265,000 $600,000 126.4% 0.4%
SUN WEST MORTGAGE COMPANY, INC. $590,000 n/a 0.4%
ZILLOW HOME LOANS, LLC $650,000 $570,000 -12.3% 0.4%
ANGEL OAK MORTGAGE SOLUTIONS LLC $545,000 n/a 0.4%
American Mortgage & Equity Consultants, Inc. $455,000 $535,000 17.6% 0.4%
Paramount Residential Mortgage Group, Inc. $530,000 n/a 0.4%
USAA Federal Savings Bank $1,235,000 $455,000 -63.2% 0.3%
First Savings Bank $165,000 $395,000 139.4% 0.3%
NBKC BANK $395,000 n/a 0.3%
TOWN AND COUNTRY Credit Union $1,090,000 $390,000 -64.2% 0.3%
JPMorgan Chase Bank $705,000 $385,000 -45.4% 0.3%
Plains Commerce Bank $870,000 $385,000 -55.7% 0.3%
AMERISAVE MORTGAGE CORPORATION $860,000 $360,000 -58.1% 0.3%
MOVEMENT MORTGAGE, LLC $345,000 n/a 0.2%
FREEDOM MORTGAGE CORPORATION $1,870,000 $325,000 -82.6% 0.2%
Carrington Mortgage Services, LLC $305,000 n/a 0.2%
PENNYMAC LOAN SERVICES, LLC $1,345,000 $305,000 -77.3% 0.2%
CHURCHILL MORTGAGE CORPORATION $115,000 $285,000 147.8% 0.2%
GUARANTEED RATE AFFINITY, LLC $145,000 $275,000 89.7% 0.2%
HOMEBRIDGE FINANCIAL SERVICES, INC. $275,000 $275,000 0.0% 0.2%
PLAZA HOME MORTGAGE, INC. $265,000 n/a 0.2%
Choice Financial Group $255,000 n/a 0.2%
HOMESTAR FINANCIAL CORPORATION $355,000 $235,000 -33.8% 0.2%
Secured Investment Corp. $225,000 n/a 0.2%
Figure Lending LLC $105,000 $195,000 85.7% 0.1%
Nations Lending Corporation $185,000 n/a 0.1%
HOMESIDE FINANCIAL, LLC $175,000 n/a 0.1%
BANKWEST, INC. $1,115,000 $130,000 -88.3% 0.1%
PENTAGON FEDERAL CREDIT UNION $215,000 $115,000 -46.5% 0.1%
Black Hills Community Bank $65,000 n/a 0.0%
Deere Employees Credit Union $45,000 n/a 0.0%
Discover Bank $55,000 $45,000 -18.2% 0.0%
Centier Bank $55,000 $35,000 -36.4% 0.0%

Williston's top lender by overall market share is FAIRWAY INDEPENDENT MORTGAGE CORPORATION, with 22.4% market share. In second place, with 17.3%, is Gate City Bank, having originated $24,415,000 in loans. In third place, with 12.0%, is U.S. Bank, having originated $16,930,000 in loans. In fourth place, with 6.0%, is First International Bank & Trust, having originated $8,485,000 in loans. In fifth place, with 5.5%, is WESTERN COOPERATIVE CREDIT UNION, having originated $7,805,000 in loans.


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

Realtor.com - Williston (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 $234,500 (-3.1%) $261,852 (-1.9%) 0.00 171
2018-02-01 $229,675 (-4.3%) $258,040 (-0.4%) 0.00 178
2018-03-01 $229,900 (-6.8%) $259,740 (-1.6%) 0.00 185
2018-04-01 $239,225 (-7.6%) $268,355 (-2.4%) 0.00 191
2018-05-01 $250,000 (0.0%) $291,585 (9.6%) 0.00 201
2018-06-01 $259,000 (6.2%) $296,289 (12.8%) 0.00 187
2018-07-01 $257,225 (5.4%) $287,015 (-0.7%) 0.00 188
2018-08-01 $260,000 (4.0%) $298,693 (1.4%) 0.00 195
2018-09-01 $260,000 (4.0%) $294,428 (3.1%) 0.00 204
2018-10-01 $247,450 (7.1%) $293,917 (8.3%) 0.00 192
2018-11-01 $249,925 (9.5%) $300,911 (12.7%) 0.00 178
2018-12-01 $239,900 (6.6%) $302,358 (11.3%) 0.00 158
2019-01-01 $242,475 (3.4%) $323,069 (23.4%) 0.00 133
2019-02-01 $239,900 (4.5%) $307,926 (19.3%) 0.00 119
2019-03-01 $254,814 (10.8%) $319,863 (23.2%) 0.00 119
2019-04-01 $266,089 (11.2%) $311,748 (16.2%) 0.00 124
2019-05-01 $279,450 (11.8%) $300,216 (3.0%) 0.00 130
2019-06-01 $299,950 (15.8%) $330,491 (11.5%) 0.00 161
2019-07-01 $298,475 (16.0%) $333,532 (16.2%) 0.00 153
2019-08-01 $300,418 (15.6%) $334,028 (11.8%) 0.00 155
2019-09-01 $304,120 (17.0%) $331,227 (12.5%) 0.00 157
2019-10-01 $302,589 (22.3%) $325,982 (10.9%) 0.00 162
2019-11-01 $292,500 (17.0%) $322,336 (7.1%) 0.00 172
2019-12-01 $300,000 (25.1%) $325,555 (7.7%) 0.00 165
2020-01-01 $297,425 (22.7%) $320,172 (-0.9%) 0.00 135
2020-02-01 $292,450 (21.9%) $325,187 (5.6%) 0.00 126
2020-03-01 $304,825 (19.6%) $336,370 (5.2%) 0.00 133
2020-04-01 $298,950 (12.4%) $330,959 (6.2%) 0.00 142
2020-05-01 $292,900 (4.8%) $327,323 (9.0%) 0.00 155
2020-06-01 $275,000 (-8.3%) $302,517 (-8.5%) 0.00 143
2020-07-01 $275,000 (-7.9%) $303,277 (-9.1%) 0.00 146
2020-08-01 $274,950 (-8.5%) $300,373 (-10.1%) 0.00 171
2020-09-01 $289,500 (-4.8%) $297,724 (-10.1%) 0.00 182
2020-10-01 $292,900 (-3.2%) $298,502 (-8.4%) 0.00 200
2020-11-01 $279,975 (-4.3%) $305,533 (-5.2%) 0.00 212
2020-12-01 $281,225 (-6.3%) $312,534 (-4.0%) 0.00 211
2021-01-01 $289,000 (-2.8%) $318,611 (-0.5%) 0.00 202
2021-02-01 $296,975 (1.6%) $326,215 (0.3%) 0.00 181
2021-03-01 $299,000 (-1.9%) $327,156 (-2.7%) 0.00 176
2021-04-01 $299,450 (0.2%) $330,487 (-0.1%) 0.00 177
2021-05-01 $307,450 (5.0%) $331,269 (1.2%) 0.00 170
2021-06-01 $321,500 (16.9%) $336,589 (11.3%) 0.00 167
2021-07-01 $322,450 (17.3%) $335,036 (10.5%) 0.00 187
2021-08-01 $294,450 (7.1%) $320,147 (6.6%) 0.00 201
2021-09-01 $283,650 (-2.0%) $319,806 (7.4%) 0.00 190
2021-10-01 $289,900 (-1.0%) $322,625 (8.1%) 0.00 185
2021-11-01 $287,450 (2.7%) $323,426 (5.9%) 0.00 176
2021-12-01 $271,250 (-3.6%) $318,384 (1.9%) 0.00 162
2022-01-01 $297,500 (2.9%) $320,967 (0.7%) 0.00 130
2022-02-01 $280,000 (-5.7%) $317,622 (-2.6%) 0.00 121
2022-03-01 $354,975 (18.7%) $339,402 (3.7%) 0.00 93
2022-04-01 $379,900 (26.9%) $354,371 (7.2%) 0.00 100
2022-05-01 $377,450 (22.8%) $366,338 (10.6%) 0.00 99
2022-06-01 $359,375 (11.8%) $364,040 (8.2%) 0.00 105
2022-07-01 $375,000 (16.3%) $361,876 (8.0%) 0.00 128
2022-08-01 $347,850 (18.1%) $349,436 (9.2%) 0.00 118
2022-09-01 $357,450 (26.0%) $372,981 (16.6%) 0.00 119
2022-10-01 $330,000 (13.8%) $383,425 (18.9%) 0.00 131
2022-11-01 $359,900 (25.2%) $401,121 (24.0%) 0.00 128
2022-12-01 $354,500 (30.7%) $405,862 (27.5%) 0.00 125
2023-01-01 $381,175 (28.1%) $423,973 (32.1%) 0.00 123
2023-02-01 $366,100 (30.8%) $421,709 (32.8%) 0.00 102
2023-03-01 $379,950 (7.0%) $434,748 (28.1%) 0.00 88
2023-04-01 $377,000 (-0.8%) $391,776 (10.6%) 0.00 70
2023-05-01 $395,000 (4.7%) $398,439 (8.8%) 0.00 70
2023-06-01 $437,250 (21.7%) $439,824 (20.8%) 0.00 76
2023-07-01 $389,975 (4.0%) $453,276 (25.3%) 0.00 83
2023-08-01 $397,500 (14.3%) $460,929 (31.9%) 0.00 85
2023-09-01 $395,000 (10.5%) $445,112 (19.3%) 0.00 89
2023-10-01 $359,750 (9.0%) $449,827 (17.3%) 0.00 96
2023-11-01 $331,250 (-8.0%) $426,938 (6.4%) 0.00 92
2023-12-01 $347,450 (-2.0%) $440,932 (8.6%) 0.00 92
2024-01-01 $376,725 (-1.2%) $469,477 (10.7%) 0.00 83
2024-02-01 $442,425 (20.9%) $486,210 (15.3%) 0.00 63
2024-03-01 $510,000 (34.2%) $531,613 (22.3%) 0.00 55
2024-04-01 $493,750 (31.0%) $548,116 (39.9%) 0.00 57
2024-05-01 $459,600 (16.4%) $504,436 (26.6%) 0.00 63
2024-06-01 $399,900 (-8.5%) $499,012 (13.5%) 0.00 71
2024-07-01 $372,375 (-4.5%) $478,637 (5.6%) 0.00 75
2024-08-01 $395,000 (-0.6%) $474,179 (2.9%) 0.00 79
2024-09-01 $408,250 (3.4%) $484,900 (8.9%) 0.00 77
2024-10-01 $399,975 (11.2%) $480,998 (6.9%) 0.00 67
Williston's median listing price for 2024-10-01 was $399,975, a difference of $40,225 (11.2%) versus the prior year and $-8,275 versus the prior month.

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

Williston's average listing price for 2024-10-01 was $480,998, a difference of $31,171 (6.9%) versus the prior year and $-3,902 versus the prior month.

For the 2024-10-01 period, Williston had 67 MLS listings, a difference of -10 listings (-13%) versus the prior month and -29 listings (-30%) versus the prior year.

Median Listing Time on Market & Square Footage

Realtor.com - Williston (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Time on Market Median Square Footage
2018-01-01 0 days 2,004 sqft
2018-02-01 0 days 1,886 sqft
2018-03-01 0 days 1,819 sqft
2018-04-01 0 days 1,920 sqft
2018-05-01 0 days 2,000 sqft
2018-06-01 0 days 1,984 sqft
2018-07-01 0 days 1,944 sqft
2018-08-01 0 days 1,997 sqft
2018-09-01 0 days 1,993 sqft
2018-10-01 0 days 1,895 sqft
2018-11-01 0 days 1,912 sqft
2018-12-01 0 days 1,920 sqft
2019-01-01 0 days 1,956 sqft
2019-02-01 0 days 1,952 sqft
2019-03-01 0 days 1,938 sqft
2019-04-01 0 days 1,902 sqft
2019-05-01 0 days 1,882 sqft
2019-06-01 0 days 2,038 sqft
2019-07-01 0 days 2,087 sqft
2019-08-01 0 days 2,160 sqft
2019-09-01 0 days 2,205 sqft
2019-10-01 0 days 2,188 sqft
2019-11-01 0 days 2,130 sqft
2019-12-01 0 days 2,106 sqft
2020-01-01 0 days 2,079 sqft
2020-02-01 0 days 2,013 sqft
2020-03-01 0 days 2,025 sqft
2020-04-01 0 days 2,083 sqft
2020-05-01 0 days 2,084 sqft
2020-06-01 0 days 2,056 sqft
2020-07-01 0 days 2,046 sqft
2020-08-01 0 days 2,072 sqft
2020-09-01 0 days 2,030 sqft
2020-10-01 0 days 2,150 sqft
2020-11-01 0 days 2,030 sqft
2020-12-01 0 days 2,083 sqft
2021-01-01 0 days 2,128 sqft
2021-02-01 0 days 2,202 sqft
2021-03-01 0 days 2,184 sqft
2021-04-01 0 days 2,243 sqft
2021-05-01 0 days 2,280 sqft
2021-06-01 0 days 2,272 sqft
2021-07-01 0 days 2,244 sqft
2021-08-01 0 days 2,097 sqft
2021-09-01 0 days 2,099 sqft
2021-10-01 0 days 2,156 sqft
2021-11-01 0 days 2,196 sqft
2021-12-01 0 days 2,150 sqft
2022-01-01 0 days 2,174 sqft
2022-02-01 0 days 2,189 sqft
2022-03-01 0 days 1,895 sqft
2022-04-01 0 days 1,820 sqft
2022-05-01 0 days 1,805 sqft
2022-06-01 0 days 1,897 sqft
2022-07-01 0 days 1,832 sqft
2022-08-01 0 days 1,821 sqft
2022-09-01 0 days 1,823 sqft
2022-10-01 0 days 1,890 sqft
2022-11-01 0 days 1,906 sqft
2022-12-01 0 days 1,847 sqft
2023-01-01 0 days 1,821 sqft
2023-02-01 0 days 1,741 sqft
2023-03-01 0 days 1,785 sqft
2023-04-01 0 days 1,756 sqft
2023-05-01 0 days 1,735 sqft
2023-06-01 0 days 1,850 sqft
2023-07-01 0 days 1,880 sqft
2023-08-01 0 days 1,913 sqft
2023-09-01 0 days 1,879 sqft
2023-10-01 0 days 1,921 sqft
2023-11-01 0 days 1,878 sqft
2023-12-01 0 days 1,886 sqft
2024-01-01 0 days 1,886 sqft
2024-02-01 0 days 1,897 sqft
2024-03-01 0 days 1,938 sqft
2024-04-01 0 days 2,038 sqft
2024-05-01 0 days 1,963 sqft
2024-06-01 0 days 1,909 sqft
2024-07-01 0 days 1,884 sqft
2024-08-01 0 days 1,868 sqft
2024-09-01 0 days 1,853 sqft
2024-10-01 0 days 1,848 sqft
Williston's median listing age (time on market) for 2024-10-01 was 0 days.

Williston's median square footage for active listings during the 2024-10-01 period was 1,848 sqft. One year prior, the average listing was 1,921 sqft.

Williston, ND Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 402 $120,450,000 $299,627
Home Improvement 48 $4,540,000 $94,583
Refi 34 $7,460,000 $219,412
Cash Out Refi 23 $5,985,000 $260,217
Other 21 $2,675,000 $127,381

Williston's most frequently cited loan purpose was Home Purchase, with 402 originations. The 2nd most popular reason was Home Improvement, with 48 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
6-7% 246 $71,050,000 $288,821
7-8% 117 $31,505,000 $269,274
5-6% 88 $23,860,000 $271,136
Over 8% 59 $10,585,000 $179,407
3-4% 8 $2,210,000 $276,250
2.5-3% 5 $685,000 $137,000
4-5% 4 $1,150,000 $287,500

During 2023, Williston's most frequently originated rate bucket was 6-7%, with 246 originations.

Loan Sizing (Williston, ND MSA)

Loan Size Originations Total Value Average Loan
$200k-400k 274 $81,280,000 $296,642
$100k-200k 99 $15,245,000 $153,990
$100,000 or less 76 $4,110,000 $54,079
$400k-600k 68 $31,060,000 $456,765
$600k-1000k 9 $6,305,000 $700,556
$Over $1MM 2 $3,110,000 $1,555,000

Williston's loan sizing saw the bucket of loans from $200k-400k with 274 originations, totaling $81,280,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 345 $104,575,000 $303,116
60-80% 67 $19,845,000 $296,194
Under 20% 49 $2,255,000 $46,020
20-40% 32 $5,750,000 $179,688
40-60% 18 $3,890,000 $216,111
Over 100% 15 $4,395,000 $293,000

Williston's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 345 originations, totaling $104,575,000 in origination value.