Bank Of New Hampshire Mortgage Rates, Fees & Info

Laconia, NH

LEI: 254900PJVECT3YD6KY88

Tax ID: 02-0155840

5 stars - out of 5 stars, based on 28 reviews

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

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Mortgage Data

  • SimulatedRates™
  • Bank Data

    Review & Overview

    Bank Of New Hampshire is a smaller bank specializing in Home Purchase and Refi loans. Bank Of New Hampshire has a high proportion of conventional loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Manchester, Laconia, Boston, Providence, and Lebanon among others. We have data for 22 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Bank Of New Hampshire has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Bank Of New Hampshire 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.

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    SimulatedRates™

    Mortgage Type
    Simulated Rate Simulation Date
    30 Year Conventional Purchase 6.96% 11/26/22
    30 Year Conventional Refi 6.89% 11/26/22
    30 Year Cash-out Refi 7.16% 11/26/22
    30 Year VA Purchase 6.51% 11/26/22
    30 Year VA Refi 6.20% 11/26/22
    30 Year USDA Purchase 7.01% 11/26/22
    15 Year Conventional Purchase 8.41% 11/26/22
    15 Year Conventional Refi 6.44% 11/26/22
    15 Year Cash-out Refi 6.44% 11/26/22
    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

    774

    Origination Dollar Volume (All Markets)

    $323,050,000

    Employee count

    282

    Awards

    Bank of New Hampshire 30 Year Conventional Loans bronze Bank of New Hampshire 30 Year Conventional Loans silver Bank of New Hampshire 30 Year Conventional Loans gold Bank of New Hampshire 30 Year Conventional Loans silver
    Show all (4) awards

    Relative Rate

    Bank Of New Hampshire's average 30 year fixed mortgage rate was 3.26%.

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

    This yields a difference of 0.11%.

    Relative Fees (Closing Costs)

    Bank Of New Hampshire's average total fees/closing costs for a 30 year fixed rate mortgage were $3,421.

    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
    MANCHESTER-NASHUA, NH (FHA|USDA|VA) 69 $59,675,000 $864,855 $3,293 3.50%
    Laconia, NH (FHA|USDA|VA) 186 $57,150,000 $307,258 $3,270 3.33%
    Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 143 $54,515,000 $381,224 $4,150 4.04%
    Outside of Metro Areas 134 $38,960,000 $290,746 $3,514 3.35%
    PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 3 $34,455,000 $11,485,000 $0 2.65%
    Lebanon, NH-VT (FHA|USDA|VA) 112 $22,440,000 $200,357 $3,167 3.40%
    Vineyard Haven, MA (FHA|USDA|VA) 3 $20,735,000 $6,911,667 $0 3.37%
    Concord, NH (FHA|USDA|VA) 54 $14,200,000 $262,963 $3,522 3.47%
    Berlin, NH (FHA|USDA|VA) 35 $6,745,000 $192,714 $3,472 3.30%
    PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 11 $3,595,000 $326,818 $4,046 3.88%
    Augusta-Waterville, ME (FHA|USDA|VA) 1 $2,725,000 $2,725,000 $0 3.25%
    WILMINGTON, NC (FHA|USDA|VA) 1 $2,315,000 $2,315,000 $0 3.50%
    LEWISTON-AUBURN, ME (FHA|USDA|VA) 5 $1,045,000 $209,000 $2,917 4.29%
    Keene, NH (FHA|USDA|VA) 6 $920,000 $153,333 $2,665 3.58%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 1 $885,000 $885,000 $3,757 3.00%
    WORCESTER, MA-CT (FHA|USDA|VA) 2 $620,000 $310,000 $3,135 3.13%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 1 $605,000 $605,000 $3,748 3.50%
    BARNSTABLE TOWN, MA (FHA|USDA|VA) 2 $560,000 $280,000 $3,030 3.13%
    SPRINGFIELD, MA (FHA|USDA|VA) 2 $370,000 $185,000 $3,041 3.25%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 1 $255,000 $255,000 $3,109 3.38%
    PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 1 $175,000 $175,000 $6,802 2.50%
    BANGOR, ME (FHA|USDA|VA) 1 $105,000 $105,000 $2,497 3.50%
    Bank Of New Hampshire's top markets include Manchester, Laconia, Boston, Providence, and Lebanon among others.

    Their top states include:
  • New Hampshire (FHA|USDA|VA)
  • Massachusetts (FHA|USDA|VA)
  • Rhode Island (FHA|USDA|VA)
  • Maine (FHA|USDA|VA)
  • North Carolina (FHA|USDA|VA)
  • Similar Lenders

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

    Northfield Savings Bank
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 758 $318,230,000 $419,828 $3,432 3.53%
    VA 11 $3,895,000 $354,091 $5,790 2.58%
    USDA 5 $925,000 $185,000 $4,736 2.78%

    For 2021, Bank Of New Hampshire's most frequently originated type of loan was Conventional, with 758 originations. Their 2nd most popular type was VA, with 11 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 382 $148,220,000 $388,010 $3,868 3.59%
    Refi 188 $125,680,000 $668,511 $3,112 3.14%
    Cash Out Refi 171 $41,885,000 $244,942 $3,327 3.62%
    Other 19 $3,745,000 $197,105 $2,838 4.28%
    Home Improvement 14 $3,520,000 $251,429 $1,962 3.99%

    For 2021, Bank Of New Hampshire's most frequently cited loan purpose was Home Purchase, with 382 originations. The 2nd most popular reason was Refi, with 188 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 459 $123,015,000 $268,007 $3,421 3.26%
    15 Year 92 $16,810,000 $182,717 $2,907 3.53%
    20 Year 91 $42,665,000 $468,846 $2,892 3.48%
    Other 69 $60,385,000 $875,145 $2,881 5.19%
    30+ year 35 $16,175,000 $462,143 $7,311 3.38%
    10 Year 25 $55,375,000 $2,215,000 $1,729 3.65%
    5 Year 2 $1,250,000 $625,000 $4,303 3.44%
    3 Year 1 $7,375,000 $7,375,000 $0 3.75%

    For 2021, Bank Of New Hampshire's most frequently cited loan duration was 30 Year, with 459 originations. The 2nd most popular length was 15 Year, with 92 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 533 $141,715,000 $265,882
    $1k-2k 58 $10,900,000 $187,931
    $2k-3k 22 $4,290,000 $195,000
    $5k+ 10 $4,540,000 $454,000
    $4k-5k 8 $2,710,000 $338,750
    $3k-4k 7 $1,425,000 $203,571

    Bank Of New Hampshire's average total fees were $3,421, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 533 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 446 $218,460,000 $489,821
    2.5-3% 206 $84,700,000 $411,165
    5-6% 33 $4,935,000 $149,545
    6-7% 31 $2,865,000 $92,419
    4-5% 30 $5,300,000 $176,667
    <2.5% 26 $6,620,000 $254,615
    7-8% 2 $170,000 $85,000

    During 2021, Bank Of New Hampshire's average interest rate for loans was 3.26%, while their most frequently originated rate bucket for loans was 3-4%, with 446 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 286 $80,280,000 $280,699 $3,555 3.28%
    $100k-200k 254 $37,810,000 $148,858 $3,046 3.47%
    $100,000 or less 103 $7,275,000 $70,631 $2,513 4.51%
    $400k-600k 64 $30,980,000 $484,063 $4,369 3.25%
    $600k-1MM 38 $27,630,000 $727,105 $6,703 3.33%
    $1MM+ 29 $139,075,000 $4,795,690 $5,690 3.39%

    2021 saw Bank Of New Hampshire place emphasis on $200k-400k loans with 286 originations, totaling $80,280,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 147 $33,985,000 $231,190 $3,454 3.37%
    $150k-250k 143 $48,105,000 $336,399 $3,386 3.35%
    $50k-75k 131 $21,585,000 $164,771 $3,194 3.63%
    $250k+ 99 $54,105,000 $546,515 $4,350 3.16%
    $75k-100k 91 $20,645,000 $226,868 $3,294 3.47%
    $50k or less 77 $8,135,000 $105,649 $3,243 4.17%

    Bank Of New Hampshire lent most frequently to those with incomes in the $100k-150k range, with 147 originations. The second most popular income band? $150k-250k, with 143 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 192 $46,570,000 $242,552 $3,469 3.35%
    30-36% 153 $39,625,000 $258,987 $3,555 3.47%
    <20% 79 $22,815,000 $288,797 $3,463 3.22%
    39% 48 $11,620,000 $242,083 $3,433 3.87%
    37% 36 $7,930,000 $220,278 $2,960 3.68%
    38% 33 $6,385,000 $193,485 $2,847 3.61%
    40% 30 $8,460,000 $282,000 $3,246 3.59%
    42% 24 $4,810,000 $200,417 $3,735 4.01%
    41% 23 $4,895,000 $212,826 $3,473 3.88%
    36% 21 $6,685,000 $318,333 $5,195 3.43%
    43% 14 $3,760,000 $268,571 $3,346 3.47%
    44% 11 $3,195,000 $290,455 $4,048 3.81%
    45% 7 $1,445,000 $206,429 $3,823 2.86%
    48% 5 $845,000 $169,000 $3,027 3.25%
    50-60% 3 $815,000 $271,667 $2,925 4.33%
    47% 2 $870,000 $435,000 $2,956 2.68%
    46% 2 $200,000 $100,000 $3,277 2.75%
    49% 1 $125,000 $125,000 $4,960 2.88%

    Bank Of New Hampshire lent most frequently to those with DTI ratios of 20-30%, with 192 originations. The next most common DTI ratio? 30-36%, with 153 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 588 $153,110,000 $260,391 $3,494 3.49%
    Not applicable 80 $132,290,000 $1,653,625 $0 3.68%
    Not provided 79 $29,465,000 $372,975 $3,233 3.42%
    Asian 14 $4,020,000 $287,143 $3,632 3.54%
    American Indian 9 $3,225,000 $358,333 $4,753 3.46%
    Black 4 $940,000 $235,000 $3,612 3.97%

    Approval Rates

    Total approvals of all applications
    88.06%

    Bank Of New Hampshire has an average approval rate.

    Pick Rate

    Approvals leading to origination
    75.32%

    Bank Of New Hampshire has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    750.0 30 $2,750,000 $91,667
    NA 744 $320,300,000 $430,511

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    774 $323,050,000 $417,377

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 70 $10,580,000 $151,143 $2,682 3.50%
    40-60% 166 $119,480,000 $719,759 $3,305 3.40%
    60-80% 327 $116,505,000 $356,284 $3,500 3.65%
    80-100% 194 $72,390,000 $373,144 $3,959 3.35%
    Over 100% 2 $810,000 $405,000 $6,959 3.19%
    Under 20% 14 $2,860,000 $204,286 $2,219 3.72%

    Complaints

    Bank Name Product Issue 2021 CPFB Complaints % of Total Issues
    BANK OF THE WEST Conventional home mortgage Trouble during payment process 6 20.0%
    BANK OF THE WEST VA mortgage Trouble during payment process 1 3.3%
    BANK OF THE WEST Other type of mortgage Trouble during payment process 2 6.7%
    BANK OF THE WEST Other type of mortgage Struggling to pay mortgage 1 3.3%
    BANK OF THE WEST Other type of mortgage Closing on a mortgage 1 3.3%
    BANK OF THE WEST Other type of mortgage Applying for a mortgage or refinancing an existing mortgage 1 3.3%
    BANK OF THE WEST Home equity loan or line of credit (HELOC) Trouble during payment process 3 10.0%
    BANK OF THE WEST Home equity loan or line of credit (HELOC) Closing on a mortgage 4 13.3%
    BANK OF THE WEST Home equity loan or line of credit (HELOC) Applying for a mortgage or refinancing an existing mortgage 2 6.7%
    BANK OF THE WEST FHA mortgage Trouble during payment process 1 3.3%
    BANK OF THE WEST Conventional home mortgage Struggling to pay mortgage 2 6.7%
    BANK OF THE WEST Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 5 16.7%
    BANK OF THE WEST Conventional home mortgage Closing on a mortgage 1 3.3%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Bank of New Hampshire 11 Triangle Park Drive Concord, NH 3301 Full Service B&M $53,611
    Bank of New Hampshire 60 Kings Square Whitefield, NH 3598 Full Service B&M $36,555
    Bank of New Hampshire 62 Pleasant St Laconia, NH 3246 Full Service B&M $559,360
    Bank of New Hampshire 705 Hooksett Road Manchester, NH 3104 Full Service B&M $53,455
    Bank of New Hampshire 76 Main St Lincoln, NH 3251 Full Service B&M $23,330
    Bank of New Hampshire 77 Main Street Antrim, NH 3440 Full Service B&M $39,830
    Bank of New Hampshire 845 Central Avenue Dover, NH 3820 Full Service B&M $74,536
    Bank of New Hampshire One Country Club Road Gilford, NH 3246 Full Service B&M $114,956
    Bank of New Hampshire Route 16 Ossipee, NH 3864 Full Service B&M $73,734
    Bank of New Hampshire Route 25 Moultonborough, NH 3254 Full Service B&M $63,102
    Bank of New Hampshire 1441 Lakeshore Road Gilford, NH 3246 Full Service B&M $77,937
    Bank of New Hampshire 16-18 South Main Street Concord, NH 3301 Full Service B&M $0
    Bank of New Hampshire 160 Main Street Littleton, NH 3561 Full Service B&M $69,411
    Bank of New Hampshire 167 North Main Street Concord, NH 3301 Full Service B&M $190,352
    Bank of New Hampshire 21 Tower Road Campton, NH 3223 Full Service B&M $44,920
    Bank of New Hampshire 23 Main Street Conway, NH 3818 Full Service B&M $49,873
    Bank of New Hampshire 265 Wallace Road, Unit B Bedford, NH 3110 Full Service B&M $36,977
    Bank of New Hampshire 3 Eagle Square Concord, NH 3301 Limited, Trust Office $0
    Bank of New Hampshire 301 North Main Street Rochester, NH 3867 Full Service B&M $34,528
    Bank of New Hampshire 325 West Main St Hillsborough, NH 3244 Full Service B&M $47,767
    Bank of New Hampshire 345 Union Avenue Laconia, NH 3246 Limited, Drive-thru $0
    Bank of New Hampshire 583 Main Street Gorham, NH 3581 Full Service B&M $41,697
    Bank of New Hampshire 6 Riverside Drive Plymouth, NH 3264 Full Service B&M $109,877
    Bank of New Hampshire 14 Sullivan Street Claremont, NH 3743 Full Service B&M $50,342

    For 2021, Bank Of New Hampshire had 24 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $69,447
    Net interest income $67,189
    Total noninterest income $16,455
    Gross Fiduciary activities income $4,605
    Service charges on deposit accounts $1,665
    Trading account gains and fees $0
    Additional Noninterest Income $10,185
    Pre-tax net operating income $29,051
    Securities gains (or losses, -) $395
    Income before extraordinary items $23,470
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $23,470
    Minority interest net income $0
    Net income $23,470
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $23,154

    Bank Of New Hampshire's gross interest income from loans was $69,447,000.
    Bank Of New Hampshire's net interest income from loans was $67,189,000.
    Bank Of New Hampshire's fee based income from loans was $1,665,000.
    Bank Of New Hampshire's net income from loans was $23,470,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $2,258
    Provision for credit losses $0
    Total noninterest expense $54,593
    Salaries and employee benefits $32,192
    Premises and equipment expense $6,885
    Additional noninterest expense $15,516
    Applicable income taxes $5,976
    Net charge-offs $-29
    Cash dividends $0

    Bank Of New Hampshire's interest expense for loans was $2,258,000.
    Bank Of New Hampshire's payroll and benefits expense were $32,192,000.
    Bank Of New Hampshire's property, plant and equipment expenses $6,885,000.

    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 0.0%
    1-4 family residential loans 0.0%
    HELOC loans 0.0%
    All other family 0.0%
    Commercial & industrial loans 1.0%
    Personal loans 1.0%
    Credit card loans 0.0%
    Other individual loans 1.0%
    Auto loans 0.0%
    Other consumer loans 1.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $1,953,648
    Deposits held in domestic offices $1,953,648
    Deposits by Individuals, partnerships, and corporations $1,720,158
    Deposits by U.S. Government $8
    Deposits by States and political subdivisions in the U.S. $229,756
    Deposits by Commercial banks and other depository institutions in U.S. $3,726
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $1,060,110
    Demand deposits $785,101
    Nontransaction accounts $893,538
    Money market deposit accounts (MMDAs) $392,877
    Other savings deposits (excluding MMDAs) $347,410
    Total time deposits $153,251
    Total time and savings deposits $1,168,547
    Noninterest-bearing deposits $570,521
    Interest-bearing deposits $1,383,127
    Retail deposits $1,817,471
    IRAs and Keogh plan accounts $44,167
    Brokered deposits $98,020
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $2,315,197
    Cash & Balances due from depository institutions $78,276
    Interest-bearing balances $62,730
    Total securities $449,712
    Federal funds sold & reverse repurchase $0
    Net loans and leases $1,667,847
    Loan and leases loss allowance $22,600
    Trading account assets $0
    Bank premises and fixed assets $27,075
    Other real estate owned $0
    Goodwill and other intangibles $26,810
    All other assets $65,477

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $2,315,197
    Total Liabilities $2,068,232
    Total deposits $1,953,648
    Interest-bearing deposits $1,383,127
    Deposits held in domestic offices $1,953,648
    % insured (estimated) $80
    Federal funds purchased and repurchase agreements $88,794
    Trading liabilities $0
    Other borrowed funds $1,118
    Subordinated debt $0
    All other liabilities $24,672

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $1,667,847
    Loan and leases loss allowance $22,600
    Total loans and leases (domestic) $1,690,447
    All real estate loans $1,515,763
    Real estate loans in domestic offices $1,515,763
    Construction and development loans $107,267
    Residential 1-4 family construction $16,587
    Other construction, all land development and other land $90,680
    Loans secured by nonfarm nonresidential properties $725,652
    Nonfarm nonresidential secured by owner-occupied properties $227,093
    Commercial real estate & other non-farm, non-residential $498,559
    Multifamily residential real estate $109,682
    1-4 family residential loans $571,534
    Farmland loans $1,628
    Loans held in foreign offices $0
    Farm loans $6,559
    Commercial and industrial loans $89,312
    To non-U.S. addressees $0
    Loans to individuals $38,737
    Credit card loans $0
    Related Plans $155
    Consumer Auto Loans $509
    Other loans to individuals $38,073
    All other loans & leases $40,076
    Loans to foreign governments and official institutions $0
    Other loans $72
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $16,396
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $1,624
    Non 1-4 family restructured loans & leases $196
    Total loans and leases (foreign) $0

    Bank of New Hampshire had $1,667,847,000 of loans outstanding in 2021. $1,515,763,000 of loans were in real estate loans. $107,267,000 of loans were in development loans. $109,682,000 of loans were in multifamily mortgage loans. $571,534,000 of loans were in 1-4 family mortgage loans. $6,559,000 of loans were in farm loans. $0 of loans were in credit card loans. $509,000 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 447 $110,337 $246,839
    Nonfarm, nonresidential loans - <$100k 67 $2,471 $36,881
    Nonfarm, nonresidential loans - $100-250k 156 $18,405 $117,981
    Nonfarm, nonresidential loans - $250k-1MM 224 $89,461 $399,379
    Commercial & Industrial, US addressed loans - <$1MM 518 $32,651 $63,033
    Commercial & Industrial, US addressed loans - <$100k 339 $7,852 $23,162
    Commercial & Industrial, US addressed loans - $100-250k 102 $9,890 $96,961
    Commercial & Industrial, US addressed loans - $250k-1MM 77 $14,909 $193,623