Southpoint Bank Mortgage Rates, Fees & Info

Birmingham, AL

LEI: 254900E9QYJ6OX8QXL76

Tax ID: 65-1260993

5 stars - out of 5 stars, based on 39 reviews

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

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Mortgage Data

  • SimulatedRates™
  • Bank Data

    Review & Overview

    Southpoint Bank is a smaller bank specializing in loans. Southpoint Bank has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Birmingham, Decatur, Daphne, Anniston, and Montgomery among others. We have data for 51 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Southpoint Bank 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. Southpoint Bank is typically an average 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.

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    SimulatedRates™

    Mortgage Type
    Simulated Rate Simulation Date
    30 Year Conventional Purchase 6.71% 3/19/23
    30 Year Conventional Refi 6.38% 3/19/23
    30 Year Cash-out Refi 6.66% 3/19/23
    30 Year FHA Purchase 7.24% 3/19/23
    30 Year FHA Refi 7.35% 3/19/23
    30 Year VA Purchase 6.31% 3/19/23
    30 Year VA Refi 5.92% 3/19/23
    30 Year USDA Purchase 6.56% 3/19/23
    30 Year USDA Refi 6.32% 3/19/23
    15 Year Conventional Purchase 5.98% 3/19/23
    15 Year Conventional Refi 5.93% 3/19/23
    15 Year Cash-out Refi 5.93% 3/19/23
    15 Year FHA Purchase 7.19% 3/19/23
    15 Year VA Purchase 5.68% 3/19/23
    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.


    Originations

    1,530

    Origination Dollar Volume (All Markets)

    $382,260,000

    Employee count

    100 Show all (17) awards

    Relative Rate

    Southpoint Bank's average 30 year fixed mortgage rate was 3.07%.

    The 2021 average 30 year fixed rate mortgage across all markets and lenders was 3.15%.

    This yields a difference of -0.08%.

    Relative Fees (Closing Costs)

    Southpoint Bank's average total fees/closing costs for a 30 year fixed rate mortgage were $3,473.

    The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including both points & up-front fees in addition to origination fees) were $4,750.

    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
    BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 797 $210,745,000 $264,423 $3,103 3.14%
    DECATUR, AL (FHA|USDA|VA) 158 $29,430,000 $186,266 $4,064 3.00%
    DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 91 $25,235,000 $277,308 $4,079 3.28%
    ANNISTON-OXFORD, AL (FHA|USDA|VA) 99 $16,835,000 $170,051 $2,880 2.78%
    MONTGOMERY, AL (FHA|USDA|VA) 69 $12,915,000 $187,174 $3,465 2.95%
    TUSCALOOSA, AL (FHA|USDA|VA) 21 $9,945,000 $473,571 $3,107 3.23%
    HUNTSVILLE, AL (FHA|USDA|VA) 39 $9,795,000 $251,154 $4,566 3.51%
    Talladega-Sylacauga, AL (FHA|USDA|VA) 42 $8,530,000 $203,095 $2,826 2.81%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 18 $8,490,000 $471,667 $5,740 3.15%
    Stillwater, OK (FHA|USDA|VA) 1 $5,835,000 $5,835,000 $0 3.25%
    Alexander City, AL (FHA|USDA|VA) 25 $5,305,000 $212,200 $2,629 2.96%
    Outside of Metro Areas 25 $4,535,000 $181,400 $3,139 2.97%
    MOBILE, AL (FHA|USDA|VA) 22 $3,800,000 $172,727 $3,365 3.02%
    Jasper, AL (FHA|USDA|VA) 16 $3,160,000 $197,500 $3,189 3.13%
    AUBURN-OPELIKA, AL (FHA|USDA|VA) 9 $2,895,000 $321,667 $3,688 2.99%
    PANAMA CITY, FL (FHA|USDA|VA) 10 $2,770,000 $277,000 $3,917 3.32%
    Scottsboro, AL (FHA|USDA|VA) 3 $2,275,000 $758,333 $2,177 3.88%
    FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) 16 $2,260,000 $141,250 $2,939 2.93%
    PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 3 $2,245,000 $748,333 $3,476 3.42%
    COLUMBUS, GA-AL (FHA|USDA|VA) 1 $1,725,000 $1,725,000 $0 4.00%
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 5 $1,575,000 $315,000 $3,407 3.23%
    Cullman, AL (FHA|USDA|VA) 7 $1,565,000 $223,571 $6,439 3.05%
    Troy, AL (FHA|USDA|VA) 5 $905,000 $181,000 $3,528 2.95%
    Atmore, AL (FHA|USDA|VA) 4 $890,000 $222,500 $5,843 3.67%
    GADSDEN, AL (FHA|USDA|VA) 5 $845,000 $169,000 $4,075 2.65%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 2 $820,000 $410,000 $2,049 2.69%
    Albertville, AL (FHA|USDA|VA) 4 $760,000 $190,000 $3,641 3.28%
    NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN (FHA|USDA|VA) 2 $650,000 $325,000 $2,861 2.75%
    Selma, AL (FHA|USDA|VA) 5 $645,000 $129,000 $2,669 3.08%
    HATTIESBURG, MS (FHA|USDA|VA) 1 $445,000 $445,000 $16,235 2.25%
    Picayune, MS (FHA|USDA|VA) 1 $415,000 $415,000 $4,265 2.75%
    JACKSON, MS (FHA|USDA|VA) 2 $320,000 $160,000 $1,009 3.00%
    DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 1 $305,000 $305,000 $2,713 2.75%
    MEMPHIS, TN-MS-AR (FHA|USDA|VA) 1 $295,000 $295,000 $3,545 3.38%
    GULFPORT-BILOXI, MS (FHA|USDA|VA) 1 $285,000 $285,000 $6,475 2.75%
    Murray, KY (FHA|USDA|VA) 1 $275,000 $275,000 $763 3.25%
    DOTHAN, AL (FHA|USDA|VA) 2 $270,000 $135,000 $2,820 2.63%
    Tupelo, MS (FHA|USDA|VA) 1 $255,000 $255,000 $3,054 3.63%
    Tullahoma-Manchester, TN (FHA|USDA|VA) 1 $235,000 $235,000 $1,581 2.88%
    Fort Payne, AL (FHA|USDA|VA) 2 $220,000 $110,000 $3,335 2.88%
    TALLAHASSEE, FL (FHA|USDA|VA) 2 $220,000 $110,000 $3,359 3.00%
    FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 1 $195,000 $195,000 $2,244 3.25%
    WICHITA, KS (FHA|USDA|VA) 1 $195,000 $195,000 $6,919 3.38%
    Lawrenceburg, TN (FHA|USDA|VA) 1 $165,000 $165,000 $1,470 3.25%
    Oxford, MS (FHA|USDA|VA) 1 $145,000 $145,000 $3,506 3.38%
    Lewisburg, TN (FHA|USDA|VA) 1 $145,000 $145,000 $3,603 2.63%
    Enterprise, AL (FHA|USDA|VA) 1 $125,000 $125,000 $2,379 2.63%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 1 $115,000 $115,000 $2,808 3.00%
    ST. LOUIS, MO-IL (FHA|USDA|VA) 1 $105,000 $105,000 $1,393 4.13%
    Seneca, SC (FHA|USDA|VA) 1 $85,000 $85,000 $2,257 3.25%
    Meridian, MS (FHA|USDA|VA) 1 $65,000 $65,000 $1,177 2.63%
    Southpoint Bank's top markets include Birmingham, Decatur, Daphne, Anniston, and Montgomery among others.

    Their top states include:
  • Alabama (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Oklahoma (FHA|USDA|VA)
  • Mississippi (FHA|USDA|VA)
  • Georgia (FHA|USDA|VA)
  • Similar Lenders

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

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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 1,107 $295,075,000 $266,554 $2,882 3.17%
    FHA 254 $49,130,000 $193,425 $4,593 2.95%
    USDA 88 $16,440,000 $186,818 $2,891 2.78%
    VA 81 $21,615,000 $266,852 $6,243 2.81%

    For 2021, Southpoint Bank's most frequently originated type of loan was Conventional, with 1,107 originations. Their 2nd most popular type was FHA, with 254 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 1,121 $280,765,000 $250,459 $3,370 3.14%
    Refi 249 $64,555,000 $259,257 $3,071 2.86%
    Cash Out Refi 143 $33,885,000 $236,958 $3,871 3.11%
    Home Improvement 9 $1,665,000 $185,000 $2,600 3.53%
    Other 8 $1,390,000 $173,750 $3,061 3.16%

    For 2021, Southpoint Bank's most frequently cited loan purpose was Home Purchase, with 1,121 originations. The 2nd most popular reason was Refi, with 249 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 1,329 $322,785,000 $242,878 $3,473 3.07%
    15 Year 76 $14,770,000 $194,342 $2,856 2.49%
    5 Year 40 $16,450,000 $411,250 $0 4.43%
    20 Year 36 $10,870,000 $301,944 $2,911 3.22%
    10 Year 34 $3,540,000 $104,118 $326 3.12%
    Other 13 $7,615,000 $585,769 $2,943 4.33%
    3 Year 1 $5,835,000 $5,835,000 $0 3.25%
    1 Year 1 $395,000 $395,000 $0 3.75%

    For 2021, Southpoint Bank's most frequently cited loan duration was 30 Year, with 1,329 originations. The 2nd most popular length was 15 Year, with 76 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 993 $229,555,000 $231,173
    $1k-2k 200 $39,250,000 $196,250
    $2k-3k 127 $26,085,000 $205,394
    $3k-4k 64 $15,270,000 $238,594
    $5k+ 46 $24,160,000 $525,217
    $4k-5k 38 $11,270,000 $296,579

    Southpoint Bank's average total fees were $3,473, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 993 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    2.5-3% 706 $165,520,000 $234,448
    3-4% 563 $149,935,000 $266,314
    <2.5% 165 $35,755,000 $216,697
    4-5% 78 $27,430,000 $351,667
    5-6% 18 $3,620,000 $201,111

    During 2021, Southpoint Bank's average interest rate for loans was 3.07%, while their most frequently originated rate bucket for loans was 2.5-3%, with 706 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 683 $187,945,000 $275,176 $3,631 3.05%
    $100k-200k 560 $85,640,000 $152,929 $2,933 3.05%
    $100,000 or less 131 $8,355,000 $63,779 $1,847 3.27%
    $400k-600k 125 $60,805,000 $486,440 $4,393 3.08%
    $1MM+ 16 $28,510,000 $1,781,875 $13,316 3.90%
    $600k-1MM 15 $11,005,000 $733,667 $14,095 4.13%

    2021 saw Southpoint Bank place emphasis on $200k-400k loans with 683 originations, totaling $187,945,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 424 $86,120,000 $203,113 $3,313 3.01%
    $50k or less 333 $48,455,000 $145,511 $2,583 2.95%
    $100k-150k 265 $75,305,000 $284,170 $3,499 3.09%
    $75k-100k 263 $63,485,000 $241,388 $3,648 3.02%
    $150k-250k 119 $42,635,000 $358,277 $4,067 3.18%
    $250k+ 51 $28,675,000 $562,255 $5,400 3.39%

    Southpoint Bank lent most frequently to those with incomes in the $50k-75k range, with 424 originations. The second most popular income band? $50k or less, with 333 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 374 $89,540,000 $239,412 $3,181 3.02%
    30-36% 271 $63,295,000 $233,561 $3,168 3.04%
    <20% 109 $23,275,000 $213,532 $2,814 3.06%
    42% 67 $16,285,000 $243,060 $3,029 3.06%
    39% 63 $13,635,000 $216,429 $3,113 3.07%
    40% 62 $15,420,000 $248,710 $3,798 3.13%
    41% 62 $14,610,000 $235,645 $3,355 3.07%
    43% 55 $13,715,000 $249,364 $3,587 3.11%
    50-60% 54 $12,330,000 $228,333 $5,617 2.91%
    38% 52 $12,530,000 $240,962 $3,732 2.99%
    37% 51 $12,295,000 $241,078 $3,332 3.02%
    44% 48 $10,480,000 $218,333 $3,706 2.98%
    36% 46 $11,000,000 $239,130 $3,584 3.14%
    45% 45 $10,605,000 $235,667 $3,157 3.06%
    48% 27 $7,535,000 $279,074 $3,572 2.91%
    47% 26 $5,390,000 $207,308 $3,887 3.05%
    49% 25 $5,535,000 $221,400 $3,373 3.03%
    46% 23 $6,365,000 $276,739 $3,818 3.02%

    Southpoint Bank lent most frequently to those with DTI ratios of 20-30%, with 374 originations. The next most common DTI ratio? 30-36%, with 271 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,204 $288,220,000 $239,385 $3,307 3.04%
    Black 180 $39,580,000 $219,889 $3,641 3.02%
    Not applicable 59 $33,385,000 $565,847 $0 4.38%
    Not provided 45 $10,775,000 $239,444 $3,714 3.08%
    Asian 27 $7,095,000 $262,778 $3,364 3.02%
    American Indian 11 $2,035,000 $185,000 $4,214 3.28%
    Other Asian 2 $650,000 $325,000 $1,695 3.31%
    Korean 1 $355,000 $355,000 $0 3.38%
    Vietnamese 1 $165,000 $165,000 $4,311 2.75%

    Approval Rates

    Total approvals of all applications
    97.20%

    Southpoint Bank 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
    77.84%

    Southpoint Bank has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 1,530 $382,260,000 $249,843

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    1,530 $382,260,000 $249,843

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 27 $5,715,000 $211,667 $3,112 3.00%
    40-60% 110 $29,360,000 $266,909 $3,629 3.04%
    60-80% 460 $121,240,000 $263,565 $3,355 3.22%
    80-100% 875 $217,265,000 $248,303 $3,255 3.04%
    Over 100% 26 $7,700,000 $296,154 $10,060 2.79%
    Under 20% 32 $980,000 $30,625 $202 3.21%

    Complaints

    Bank Name Product Issue 2021 CPFB Complaints % of Total Issues
    SOUTHPOINT FINANCIAL SERVICES, INC. Other type of mortgage Applying for a mortgage or refinancing an existing mortgage 1 100.0%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Southpoint Bank 1101 Main Street Gardendale, AL 35071 Full Service B&M $48,610
    Southpoint Bank 3501 Grandview Parkway Birmingham, AL 35243 Full Service B&M $298,327
    Southpoint Bank 7278 Gadsden Highway Trussville, AL 35173 Full Service B&M $57,246
    Southpoint Bank 8000 Liberty Pkwy Birmingham, AL 35242 Full Service B&M $68,030
    Southpoint Bank 9833 North Main Street Wilsonville, AL 35186 Full Service B&M $71,138

    For 2021, Southpoint Bank had 5 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $28,803
    Net interest income $25,384
    Total noninterest income $13,452
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $264
    Trading account gains and fees $0
    Additional Noninterest Income $13,188
    Pre-tax net operating income $10,021
    Securities gains (or losses, -) $1,647
    Income before extraordinary items $9,219
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $9,219
    Minority interest net income $0
    Net income $9,219
    Sale, conversion, retirement of capital stock, net $-109
    Net operating income $7,917

    Southpoint Bank's gross interest income from loans was $28,803,000.
    Southpoint Bank's net interest income from loans was $25,384,000.
    Southpoint Bank's fee based income from loans was $264,000.
    Southpoint Bank's net income from loans was $9,219,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $3,419
    Provision for credit losses $4,116
    Total noninterest expense $24,699
    Salaries and employee benefits $15,879
    Premises and equipment expense $1,057
    Additional noninterest expense $7,763
    Applicable income taxes $2,449
    Net charge-offs $40
    Cash dividends $0

    Southpoint Bank's interest expense for loans was $3,419,000.
    Southpoint Bank's payroll and benefits expense were $15,879,000.
    Southpoint Bank's property, plant and equipment expenses $1,057,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 0.0%
    Real Estate loans 0.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 0.0%
    Multifamily residential loans 13.0%
    1-4 family residential loans 0.0%
    HELOC loans 0.0%
    All other family 0.0%
    Commercial & industrial loans 0.0%
    Personal loans 0.0%
    Credit card loans 0.0%
    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 $593,215
    Deposits held in domestic offices $593,215
    Deposits by Individuals, partnerships, and corporations $542,552
    Deposits by U.S. Government $39
    Deposits by States and political subdivisions in the U.S. $48,029
    Deposits by Commercial banks and other depository institutions in U.S. $2,595
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $46,005
    Demand deposits $10,408
    Nontransaction accounts $547,210
    Money market deposit accounts (MMDAs) $390,709
    Other savings deposits (excluding MMDAs) $13,284
    Total time deposits $143,217
    Total time and savings deposits $582,807
    Noninterest-bearing deposits $46,006
    Interest-bearing deposits $547,209
    Retail deposits $531,127
    IRAs and Keogh plan accounts $4,048
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $718,818
    Cash & Balances due from depository institutions $38,334
    Interest-bearing balances $35,966
    Total securities $46,451
    Federal funds sold & reverse repurchase $0
    Net loans and leases $607,497
    Loan and leases loss allowance $9,809
    Trading account assets $0
    Bank premises and fixed assets $11,526
    Other real estate owned $339
    Goodwill and other intangibles $0
    All other assets $14,671

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $718,818
    Total Liabilities $656,380
    Total deposits $593,215
    Interest-bearing deposits $547,209
    Deposits held in domestic offices $593,215
    % insured (estimated) $59
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $53,584
    Subordinated debt $0
    All other liabilities $9,581

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $607,497
    Loan and leases loss allowance $9,809
    Total loans and leases (domestic) $617,306
    All real estate loans $425,952
    Real estate loans in domestic offices $425,952
    Construction and development loans $90,770
    Residential 1-4 family construction $51,086
    Other construction, all land development and other land $39,684
    Loans secured by nonfarm nonresidential properties $195,546
    Nonfarm nonresidential secured by owner-occupied properties $87,100
    Commercial real estate & other non-farm, non-residential $108,446
    Multifamily residential real estate $26,552
    1-4 family residential loans $112,008
    Farmland loans $1,076
    Loans held in foreign offices $0
    Farm loans $0
    Commercial and industrial loans $179,070
    To non-U.S. addressees $0
    Loans to individuals $2,790
    Credit card loans $0
    Related Plans $757
    Consumer Auto Loans $15
    Other loans to individuals $2,018
    All other loans & leases $9,495
    Loans to foreign governments and official institutions $0
    Other loans $585
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $29,887
    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

    SouthPoint Bank had $607,497,000 of loans outstanding in 2021. $425,952,000 of loans were in real estate loans. $90,770,000 of loans were in development loans. $26,552,000 of loans were in multifamily mortgage loans. $112,008,000 of loans were in 1-4 family mortgage loans. $0 of loans were in farm loans. $0 of loans were in credit card loans. $15,000 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 116 $38,986 $336,086
    Nonfarm, nonresidential loans - <$100k 11 $615 $55,909
    Nonfarm, nonresidential loans - $100-250k 27 $3,191 $118,185
    Nonfarm, nonresidential loans - $250k-1MM 78 $35,180 $451,026
    Commercial & Industrial, US addressed loans - <$1MM 473 $70,909 $149,913
    Commercial & Industrial, US addressed loans - <$100k 180 $6,025 $33,472
    Commercial & Industrial, US addressed loans - $100-250k 137 $14,257 $104,066
    Commercial & Industrial, US addressed loans - $250k-1MM 156 $50,627 $324,532
    Farmland loans - <$1MM 2 $39 $19,500
    Farmland loans - <$100k 2 $39 $19,500