Bank Five Nine Mortgage Rates, Fees & Info

Oconomowoc, WI

LEI: 254900DTLB5WWMBJAD86

Tax ID: 39-0148000

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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  • SimulatedRates™
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    • Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Complaints
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Bank Data

  • Branches
  • Income
  • Loan Types
  • Deposit Mix
  • Loan Performance
  • Assets
  • Business Loans

    • Review & Overview

    Bank Five Nine is a smaller bank specializing in Home Purchase and Refi loans. Bank Five Nine has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) Their top markets by origination volume include: Milwaukee, Madison, Beaver Dam, Minneapolis, and Eau Claire among others. We have data for 34 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Bank Five Nine has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Bank Five Nine is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    30 Year Conventional Purchase 6.42% 11/21/24
    30 Year Conventional Refi 6.49% 11/21/24
    30 Year Cash-out Refi 6.64% 11/21/24
    30 Year FHA Purchase 7.38% 11/21/24
    30 Year FHA Refi 7.79% 11/21/24
    30 Year VA Purchase 6.43% 11/21/24
    15 Year Conventional Purchase 6.06% 11/21/24
    15 Year Conventional Refi 5.94% 11/21/24
    15 Year Cash-out Refi 5.94% 11/21/24
    These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

    Bank Five Nine Mortgage Calculator






    Your Estimates

    Estimated Loan Payment: Update the calculator values and click calculate payment!

    This is not an official calculator from Bank Five Nine. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

    The default purchase price is the median sales price across the US for 2022Q4, per FRED.


    Originations

    1,810

    Origination Dollar Volume (All Markets)

    $460,160,000

    Employee count

    315 Show all (11) awards

    Top Markets

    Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

    Market Originations Total Value Average Loan Average Fees Average Rate
    MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 1,143 $283,915,000 $248,395 $2,243 4.11%
    MADISON, WI (FHA|USDA|VA) 96 $22,020,000 $229,375 $2,256 4.25%
    Beaver Dam, WI (FHA|USDA|VA) 34 $20,290,000 $596,765 $1,872 3.84%
    MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 73 $18,775,000 $257,192 $3,115 4.00%
    EAU CLAIRE, WI (FHA|USDA|VA) 82 $12,940,000 $157,805 $2,414 4.27%
    Outside of Metro Areas 62 $11,750,000 $189,516 $2,387 4.40%
    GREEN BAY, WI (FHA|USDA|VA) 65 $10,865,000 $167,154 $3,096 4.12%
    RACINE, WI (FHA|USDA|VA) 42 $10,510,000 $250,238 $2,514 4.14%
    SALT LAKE CITY, UT (FHA|USDA|VA) 3 $9,985,000 $3,328,333 $0 6.67%
    Watertown-Fort Atkinson, WI (FHA|USDA|VA) 38 $9,810,000 $258,158 $1,949 4.00%
    FOND DU LAC, WI (FHA|USDA|VA) 9 $9,655,000 $1,072,778 $1,787 4.99%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 30 $8,290,000 $276,333 $3,889 4.12%
    WAUSAU-WESTON, WI (FHA|USDA|VA) 31 $5,525,000 $178,226 $2,866 4.25%
    Whitewater, WI (FHA|USDA|VA) 24 $5,320,000 $221,667 $1,930 4.18%
    APPLETON, WI (FHA|USDA|VA) 20 $4,290,000 $214,500 $2,594 4.40%
    Baraboo, WI (FHA|USDA|VA) 4 $4,060,000 $1,015,000 $3,874 4.22%
    OSHKOSH-NEENAH, WI (FHA|USDA|VA) 16 $2,310,000 $144,375 $2,121 3.99%
    SHEBOYGAN, WI (FHA|USDA|VA) 9 $2,095,000 $232,778 $2,154 3.97%
    SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 2 $1,700,000 $850,000 $0 6.88%
    OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 2 $1,590,000 $795,000 $0 6.00%
    JANESVILLE-BELOIT, WI (FHA|USDA|VA) 6 $830,000 $138,333 $2,357 4.35%
    Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 1 $555,000 $555,000 $0 7.25%
    Menomonie, WI (FHA|USDA|VA) 4 $550,000 $137,500 $4,115 4.66%
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 2 $440,000 $220,000 $4,311 4.25%
    DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 2 $410,000 $205,000 $3,020 3.94%
    Marinette, WI-MI (FHA|USDA|VA) 2 $280,000 $140,000 $2,092 6.00%
    GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 1 $255,000 $255,000 $2,590 4.25%
    PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 1 $245,000 $245,000 $3,707 4.00%
    Owatonna, MN (FHA|USDA|VA) 1 $205,000 $205,000 $3,347 3.63%
    Wisconsin Rapids-Marshfield, WI (FHA|USDA|VA) 1 $175,000 $175,000 $2,804 3.13%
    Manitowoc, WI (FHA|USDA|VA) 1 $145,000 $145,000 $2,489 4.13%
    Brainerd, MN (FHA|USDA|VA) 1 $135,000 $135,000 $3,782 4.25%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 1 $125,000 $125,000 $3,215 3.75%
    Shawano, WI (FHA|USDA|VA) 1 $115,000 $115,000 $2,469 3.63%
    Bank Five Nine's top markets include Milwaukee, Madison, Beaver Dam, Minneapolis, and Eau Claire among others.

    Their top states include:
  • Wisconsin (FHA|USDA|VA)
  • Utah (FHA|USDA|VA)
  • Illinois (FHA|USDA|VA)
  • Minnesota (FHA|USDA|VA)
  • California (FHA|USDA|VA)

    • Similar Lenders

    We use machine learning to identify the top lenders compared against Bank Five Nine based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    AppleTree Credit Union
    Similarity Rank: 8
    PROSPERA Credit Union
    Similarity Rank: 70
    Liberty Bank for Savings
    Similarity Rank: 85
    Prevail Bank
    Similarity Rank: 96
    NORTHWESTERN MUTUAL
    Similarity Rank: 117
    The Bank of Kaukauna
    Similarity Rank: 119
    Empower Credit Union
    Similarity Rank: 144
    Fox Valley Savings Bank
    Similarity Rank: 154
    UNITEDONE Credit Union
    Similarity Rank: 165
    CO-OP Credit Union
    Similarity Rank: 204

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 1,731 $445,295,000 $257,247 $2,197 4.15%
    FHA 69 $12,185,000 $176,594 $5,678 4.06%
    VA 10 $2,680,000 $268,000 $7,567 3.88%

    For 2019, Bank Five Nine's most frequently originated type of loan was Conventional, with 1,731 originations. Their 2nd most popular type was FHA, with 69 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 893 $209,165,000 $234,227 $2,962 4.31%
    Refi 627 $189,445,000 $302,145 $1,748 3.92%
    Cash Out Refi 287 $61,185,000 $213,188 $1,890 4.12%
    Home Improvement 3 $365,000 $121,667 $1,748 5.57%

    For 2019, Bank Five Nine's most frequently cited loan purpose was Home Purchase, with 893 originations. The 2nd most popular reason was Refi, with 627 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 1,465 $349,175,000 $238,345 $2,505 4.20%
    15 Year 148 $28,720,000 $194,054 $1,953 3.47%
    20 Year 117 $28,035,000 $239,615 $1,866 3.72%
    10 Year 41 $35,785,000 $872,805 $400 4.43%
    Other 23 $10,375,000 $451,087 $1,391 5.28%
    5 Year 7 $1,095,000 $156,429 $0 6.38%
    30+ year 5 $3,535,000 $707,000 $3,323 5.68%
    1 Year 2 $1,990,000 $995,000 $0 6.75%
    3 Year 2 $1,450,000 $725,000 $0 5.80%

    For 2019, Bank Five Nine's most frequently cited loan duration was 30 Year, with 1,465 originations. The 2nd most popular length was 15 Year, with 148 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 1,515 $344,255,000 $227,231
    $1k-2k 179 $47,885,000 $267,514
    $2k-3k 21 $5,845,000 $278,333
    $3k-4k 8 $2,450,000 $306,250
    $5k+ 5 $2,435,000 $487,000
    $4k-5k 4 $1,500,000 $375,000

    Bank Five Nine's average total fees were $2,505, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 1,515 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 1,031 $273,285,000 $265,068
    4-5% 578 $132,390,000 $229,048
    5-6% 145 $28,585,000 $197,138
    6-7% 30 $20,290,000 $676,333
    2.5-3% 17 $3,365,000 $197,941
    7-8% 8 $1,840,000 $230,000
    Over 8% 1 $405,000 $405,000

    During 2019, Bank Five Nine's average interest rate for loans was 4.20%, while their most frequently originated rate bucket for loans was 3-4%, with 1,031 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 796 $219,890,000 $276,244 $2,404 4.06%
    $100k-200k 677 $102,745,000 $151,765 $2,362 4.13%
    $400k-600k 160 $72,320,000 $452,000 $2,688 4.04%
    $100,000 or less 151 $8,945,000 $59,238 $1,669 4.58%
    $1MM+ 14 $47,350,000 $3,382,143 $6,548 5.26%
    $600k-1MM 12 $8,910,000 $742,500 $2,749 5.53%

    2019 saw Bank Five Nine place emphasis on $200k-400k loans with 796 originations, totaling $219,890,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 419 $109,615,000 $261,611 $2,284 4.05%
    $50k-75k 406 $72,460,000 $178,473 $2,342 4.14%
    $75k-100k 321 $70,985,000 $221,137 $2,393 4.10%
    $50k or less 266 $33,670,000 $126,579 $2,529 4.26%
    $150k-250k 243 $79,355,000 $326,564 $2,435 4.03%
    $250k+ 93 $37,725,000 $405,645 $2,362 4.25%

    Bank Five Nine lent most frequently to those with incomes in the $100k-150k range, with 419 originations. The second most popular income band? $50k-75k, with 406 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 438 $100,050,000 $228,425 $2,226 4.01%
    30-36% 352 $83,260,000 $236,534 $2,393 4.08%
    <20% 150 $34,590,000 $230,600 $2,067 3.89%
    38% 71 $16,145,000 $227,394 $2,489 4.15%
    40% 69 $15,865,000 $229,928 $2,406 4.08%
    42% 68 $13,380,000 $196,765 $2,692 4.29%
    36% 66 $12,960,000 $196,364 $2,027 4.04%
    44% 60 $14,750,000 $245,833 $2,475 4.20%
    41% 59 $13,715,000 $232,458 $2,456 4.18%
    39% 58 $12,720,000 $219,310 $2,327 4.25%
    37% 53 $12,345,000 $232,925 $2,266 3.95%
    49% 50 $12,470,000 $249,400 $2,632 4.16%
    45% 44 $12,240,000 $278,182 $2,840 4.32%
    48% 42 $9,930,000 $236,429 $2,508 4.24%
    43% 42 $11,350,000 $270,238 $2,261 4.36%
    47% 37 $7,145,000 $193,108 $2,467 4.30%
    46% 33 $7,525,000 $228,030 $2,461 4.19%
    >60% 29 $6,995,000 $241,207 $2,690 5.29%
    50-60% 27 $6,375,000 $236,111 $4,407 4.65%

    Bank Five Nine lent most frequently to those with DTI ratios of 20-30%, with 438 originations. The next most common DTI ratio? 30-36%, with 352 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,667 $385,505,000 $231,257 $2,350 4.11%
    Not applicable 29 $48,875,000 $1,685,345 $0 6.21%
    Not provided 60 $14,210,000 $236,833 $2,229 3.98%
    Asian 33 $7,515,000 $227,727 $3,102 4.33%
    Black 17 $2,745,000 $161,471 $2,974 4.49%
    Native Hawaiian or Islander 1 $485,000 $485,000 $3,209 3.75%
    Vietnamese 1 $455,000 $455,000 $3,053 3.75%
    Asian Indian 1 $295,000 $295,000 $2,664 3.88%
    Other Asian 1 $75,000 $75,000 $0 4.88%

    Approval Rates

    Total approvals of all applications
    95.92%

    Bank Five Nine has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.

    Pick Rate

    Approvals leading to origination
    85.69%

    Bank Five Nine has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 1,810 $460,160,000 $254,232

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 16 $42,310,000 $2,644,375
    Single Family (1-4 Units):Manufactured 5 $535,000 $107,000
    Single Family (1-4 Units):Site-Built 1,789 $417,315,000 $233,267

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 75 $20,455,000 $272,733 $1,867 4.44%
    40-60% 155 $32,625,000 $210,484 $1,906 3.86%
    60-80% 702 $199,260,000 $283,846 $2,117 4.07%
    80-100% 818 $200,050,000 $244,560 $2,763 4.18%
    Over 100% 4 $1,030,000 $257,500 $11,275 3.69%
    Under 20% 55 $6,475,000 $117,727 $436 5.09%

    Complaints

    Bank Name Product Issue 2019 CPFB Complaints % of Total Issues
    BANK OF THE WEST Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 1 7.1%
    BANK OF THE WEST Other type of mortgage Trouble during payment process 1 7.1%
    BANK OF THE WEST Other type of mortgage Closing on a mortgage 1 7.1%
    BANK OF THE WEST Other type of mortgage Applying for a mortgage or refinancing an existing mortgage 1 7.1%
    BANK OF THE WEST Home equity loan or line of credit (HELOC) Trouble during payment process 2 14.3%
    BANK OF THE WEST Home equity loan or line of credit (HELOC) Applying for a mortgage or refinancing an existing mortgage 1 7.1%
    BANK OF THE WEST Conventional home mortgage Trouble during payment process 6 42.9%
    BANK OF THE WEST Conventional home mortgage Struggling to pay mortgage 1 7.1%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    First Bank Financial Centre 11715 North Port Washington Road Mequon, WI 53092 Full Service B&M $45,317
    First Bank Financial Centre 12600 North Avenue Brookfield, WI 53005 Full Service B&M $29,208
    First Bank Financial Centre 1300 Summit Avenue, Suite 100 Oconomowoc, WI 53066 Full Service B&M $40,930
    First Bank Financial Centre 1306 W Wisconsin Av Oconomowoc, WI 53066 Limited, Mobile/Seasonal Office $0
    First Bank Financial Centre 155 West Wisconsin Avenue Oconomowoc, WI 53066 Full Service B&M $306,314
    First Bank Financial Centre 1811 West Washington Avenue West Bend, WI 53095 Full Service B&M $64,743
    First Bank Financial Centre 18815 West Capitol Drive Brookfield, WI 53005 Full Service B&M $73,694
    First Bank Financial Centre 2300 Washington Street Grafton, WI 53024 Full Service B&M $31,363
    First Bank Financial Centre 400 E Wisconsin Avenue Milwaukee, WI 53202 Limited, Drive-thru $2,237
    First Bank Financial Centre 5555 N Port Washington Rd Glendale, WI 53217 Full Service B&M $12,416
    First Bank Financial Centre 800 Cardinal Lane Hartland, WI 53029 Full Service B&M $84,791
    First Bank Financial Centre 940 Bell Avenue Hartford, WI 53027 Full Service B&M $51,732
    First Bank Financial Centre N112 W17100 Mequon Road Germantown, WI 53022 Full Service B&M $86,184
    First Bank Financial Centre N56 W14044 Silver Spring Drive Suite 100 Menomonee Falls, WI 53051 Full Service B&M $26,879
    First Bank Financial Centre W359 N5900 Brown Street Oconomowoc, WI 53066 Full Service B&M $82,952

    For 2019, Bank Five Nine had 15 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $55,499
    Net interest income $41,188
    Total noninterest income $21,026
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $1,005
    Trading account gains and fees $0
    Additional Noninterest Income $20,021
    Pre-tax net operating income $14,071
    Securities gains (or losses, -) $138
    Income before extraordinary items $12,381
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $12,381
    Minority interest net income $0
    Net income $12,381
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $12,260

    Bank Five Nine's gross interest income from loans was $55,499,000.
    Bank Five Nine's net interest income from loans was $41,188,000.
    Bank Five Nine's fee based income from loans was $1,005,000.
    Bank Five Nine's net income from loans was $12,381,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $14,311
    Provision for credit losses $800
    Total noninterest expense $47,343
    Salaries and employee benefits $30,423
    Premises and equipment expense $5,678
    Additional noninterest expense $11,242
    Applicable income taxes $1,828
    Net charge-offs $693
    Cash dividends $2,330

    Bank Five Nine's interest expense for loans was $14,311,000.
    Bank Five Nine's payroll and benefits expense were $30,423,000.
    Bank Five Nine's property, plant and equipment expenses $5,678,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 1.0%
    Real Estate loans 1.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 3.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 0.0%
    HELOC loans 0.0%
    All other family 0.0%
    Commercial & industrial loans 2.0%
    Personal loans 2.0%
    Credit card loans 8.1%
    Other individual loans 0.0%
    Auto loans 0.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $909,051
    Deposits held in domestic offices $909,051
    Deposits by Individuals, partnerships, and corporations $898,914
    Deposits by U.S. Government $7
    Deposits by States and political subdivisions in the U.S. $10,129
    Deposits by Commercial banks and other depository institutions in U.S. $0
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $78,608
    Demand deposits $54,972
    Nontransaction accounts $830,442
    Money market deposit accounts (MMDAs) $198,255
    Other savings deposits (excluding MMDAs) $277,097
    Total time deposits $355,091
    Total time and savings deposits $854,078
    Noninterest-bearing deposits $143,778
    Interest-bearing deposits $765,273
    Retail deposits $787,082
    IRAs and Keogh plan accounts $31,959
    Brokered deposits $48,521
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $1,201,814
    Cash & Balances due from depository institutions $19,868
    Interest-bearing balances $5,509
    Total securities $161,751
    Federal funds sold & reverse repurchase $26,955
    Net loans and leases $922,671
    Loan and leases loss allowance $5,621
    Trading account assets $0
    Bank premises and fixed assets $30,443
    Other real estate owned $5,007
    Goodwill and other intangibles $11,147
    All other assets $23,972

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $1,201,814
    Total Liabilities $1,084,000
    Total deposits $909,051
    Interest-bearing deposits $765,273
    Deposits held in domestic offices $909,051
    % insured (estimated) $86
    Federal funds purchased and repurchase agreements $113,376
    Trading liabilities $0
    Other borrowed funds $52,500
    Subordinated debt $0
    All other liabilities $9,073

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $922,671
    Loan and leases loss allowance $5,621
    Total loans and leases (domestic) $928,292
    All real estate loans $858,451
    Real estate loans in domestic offices $858,451
    Construction and development loans $210,571
    Residential 1-4 family construction $20,295
    Other construction, all land development and other land $190,276
    Loans secured by nonfarm nonresidential properties $371,286
    Nonfarm nonresidential secured by owner-occupied properties $295,402
    Commercial real estate & other non-farm, non-residential $75,884
    Multifamily residential real estate $51,176
    1-4 family residential loans $224,977
    Farmland loans $441
    Loans held in foreign offices $0
    Farm loans $0
    Commercial and industrial loans $58,074
    To non-U.S. addressees $0
    Loans to individuals $954
    Credit card loans $332
    Related Plans $160
    Consumer Auto Loans $135
    Other loans to individuals $327
    All other loans & leases $10,812
    Loans to foreign governments and official institutions $0
    Other loans $69
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $0
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $0
    Non 1-4 family restructured loans & leases $0
    Total loans and leases (foreign) $0

    Bank Five Nine had $922,671,000 of loans outstanding in 2019. $858,451,000 of loans were in real estate loans. $210,571,000 of loans were in development loans. $51,176,000 of loans were in multifamily mortgage loans. $224,977,000 of loans were in 1-4 family mortgage loans. $0 of loans were in farm loans. $332,000 of loans were in credit card loans. $135,000 of loans were in the auto loan category.

    Small Business Loans

    Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
    Nonfarm, nonresidential loans - <$1MM 772 $111,843 $144,874
    Nonfarm, nonresidential loans - <$100k 126 $2,441 $19,373
    Nonfarm, nonresidential loans - $100-250k 211 $16,034 $75,991
    Nonfarm, nonresidential loans - $250k-1MM 435 $93,368 $214,639
    Commercial & Industrial, US addressed loans - <$1MM 829 $44,159 $53,268
    Commercial & Industrial, US addressed loans - <$100k 427 $7,073 $16,564
    Commercial & Industrial, US addressed loans - $100-250k 211 $7,678 $36,389
    Commercial & Industrial, US addressed loans - $250k-1MM 191 $29,408 $153,969
    Farmland loans - <$1MM 8 $441 $55,125
    Farmland loans - <$100k 2 $17 $8,500
    Farmland loans - $100-250k 2 $83 $41,500
    Farmland loans - $250k-1MM 4 $341 $85,250