Peoples Bank Mortgage Rates, Fees & Info

Bellingham, WA

LEI: 5493001VH4ZJNSI25781

Tax ID: 91-0362750

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

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  • SimulatedRates™
  • Mortgage Calculator

    • 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

    Peoples Bank is a smaller bank specializing in Refi, Home Purchase, and Cash Out Refi loans. Peoples Bank 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.) They have a low ratio of USDA loans. Their top markets by origination volume include: Bellingham, Mount Vernon, Seattle, Oak Harbor, and Wenatchee among others. We have data for 18 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Peoples 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. Peoples Bank 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
    Home Equity Line of Credit (HELOC) 6.26% 4/21/24
    30 Year Conventional Purchase 6.72% 4/21/24
    30 Year Conventional Refi 6.54% 4/21/24
    30 Year Cash-out Refi 6.76% 4/21/24
    30 Year FHA Purchase 7.40% 4/21/24
    30 Year VA Purchase 6.15% 4/21/24
    30 Year USDA Purchase 6.27% 4/21/24
    15 Year Conventional Purchase 6.29% 4/21/24
    15 Year Conventional Refi 6.17% 4/21/24
    15 Year Cash-out Refi 6.17% 4/21/24
    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.

    Peoples Bank Mortgage Calculator






    Your Estimates

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

    This is not an official calculator from Peoples Bank. 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

    2,337

    Origination Dollar Volume (All Markets)

    $774,505,000

    Employee count

    445

    Awards

    Peoples Bank 30 Year Conventional Loans silver Peoples Bank VA Loans bronze Peoples Bank 30 Year Conventional Loans bronze
    Show all (3) 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
    BELLINGHAM, WA (FHA|USDA|VA) 888 $301,250,000 $339,245 $4,008 3.22%
    MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) 570 $180,250,000 $316,228 $4,174 3.24%
    Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 272 $105,580,000 $388,162 $4,344 3.24%
    Oak Harbor, WA (FHA|USDA|VA) 320 $103,110,000 $322,219 $4,229 3.34%
    WENATCHEE, WA (FHA|USDA|VA) 189 $56,105,000 $296,852 $4,491 3.28%
    Outside of Metro Areas 45 $15,185,000 $337,444 $5,754 3.62%
    Moses Lake, WA (FHA|USDA|VA) 16 $2,770,000 $173,125 $4,160 3.52%
    OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 9 $2,505,000 $278,333 $4,390 3.10%
    BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 8 $2,370,000 $296,250 $3,828 2.90%
    Ellensburg, WA (FHA|USDA|VA) 2 $1,330,000 $665,000 $2,942 3.44%
    SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 6 $1,220,000 $203,333 $3,066 3.17%
    KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 3 $745,000 $248,333 $5,195 3.17%
    YAKIMA, WA (FHA|USDA|VA) 2 $610,000 $305,000 $3,471 3.31%
    Shelton, WA (FHA|USDA|VA) 3 $545,000 $181,667 $5,287 2.92%
    PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 1 $485,000 $485,000 $2,647 3.13%
    Port Angeles, WA (FHA|USDA|VA) 1 $195,000 $195,000 $4,743 3.50%
    Centralia, WA (FHA|USDA|VA) 1 $145,000 $145,000 $3,742 3.38%
    Othello, WA (FHA|USDA|VA) 1 $105,000 $105,000 $3,075 2.88%
    Peoples Bank's top markets include Bellingham, Mount Vernon, Seattle, Oak Harbor, and Wenatchee among others.

    Their top states include:
  • Washington (FHA|USDA|VA)

    • Similar Lenders

    We use machine learning to identify the top lenders compared against Peoples 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 2,247 $742,575,000 $330,474 $4,030 3.27%
    VA 53 $20,455,000 $385,943 $7,626 2.90%
    FHA 24 $7,340,000 $305,833 $9,702 3.21%
    USDA 13 $4,135,000 $318,077 $7,528 3.07%

    For 2020, Peoples Bank's most frequently originated type of loan was Conventional, with 2,247 originations. Their 2nd most popular type was VA, with 53 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 957 $289,695,000 $302,712 $3,230 3.15%
    Home Purchase 773 $293,765,000 $380,032 $5,609 3.29%
    Cash Out Refi 546 $172,150,000 $315,293 $3,898 3.38%
    Other 46 $13,970,000 $303,696 $3,979 3.51%
    Home Improvement 15 $4,925,000 $328,333 $3,934 3.39%

    For 2020, Peoples Bank's most frequently cited loan purpose was Refi, with 957 originations. The 2nd most popular reason was Home Purchase, with 773 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 1,779 $592,305,000 $332,943 $4,038 3.26%
    15 Year 307 $94,235,000 $306,954 $3,299 2.93%
    30+ year 91 $41,935,000 $460,824 $10,759 4.14%
    20 Year 74 $18,520,000 $250,270 $3,140 3.19%
    Other 51 $15,745,000 $308,725 $4,194 3.39%
    10 Year 21 $5,375,000 $255,952 $2,923 2.99%
    1 Year 13 $6,175,000 $475,000 $5,598 4.52%
    5 Year 1 $215,000 $215,000 $0 4.25%

    For 2020, Peoples Bank's most frequently cited loan duration was 30 Year, with 1,779 originations. The 2nd most popular length was 15 Year, with 307 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 1,119 $327,245,000 $292,444
    $<1k 449 $147,825,000 $329,232
    $2k-3k 325 $104,525,000 $321,615
    $3k-4k 155 $51,815,000 $334,290
    $5k+ 145 $73,595,000 $507,552
    $4k-5k 97 $36,135,000 $372,526

    Peoples Bank's average total fees were $4,038, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 1,119 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 1,252 $428,160,000 $341,981
    2.5-3% 845 $263,595,000 $311,947
    4-5% 143 $56,265,000 $393,462
    <2.5% 79 $21,505,000 $272,215
    5-6% 18 $4,980,000 $276,667

    During 2020, Peoples Bank's average interest rate for loans was 3.26%, while their most frequently originated rate bucket for loans was 3-4%, with 1,252 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 1,349 $401,135,000 $297,357 $3,908 3.27%
    $400k-600k 500 $235,810,000 $471,620 $5,184 3.26%
    $100k-200k 363 $58,225,000 $160,399 $3,065 3.18%
    $600k-1MM 63 $45,825,000 $727,381 $9,227 3.56%
    $100,000 or less 44 $3,040,000 $69,091 $2,426 2.76%
    $1MM+ 18 $30,470,000 $1,692,778 $13,439 3.70%

    2020 saw Peoples Bank place emphasis on $200k-400k loans with 1,349 originations, totaling $401,135,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 577 $196,445,000 $340,459 $4,365 3.23%
    $75k-100k 459 $137,835,000 $300,294 $3,985 3.27%
    $50k-75k 454 $117,600,000 $259,031 $3,849 3.24%
    $150k-250k 403 $161,265,000 $400,161 $4,767 3.29%
    $50k or less 178 $32,130,000 $180,506 $3,404 3.23%
    $250k+ 152 $75,270,000 $495,197 $5,303 3.33%

    Peoples Bank lent most frequently to those with incomes in the $100k-150k range, with 577 originations. The second most popular income band? $75k-100k, with 459 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 594 $187,110,000 $315,000 $3,939 3.20%
    30-36% 425 $134,745,000 $317,047 $3,988 3.25%
    <20% 266 $81,170,000 $305,150 $3,531 3.13%
    43% 96 $32,140,000 $334,792 $4,618 3.31%
    39% 94 $31,840,000 $338,723 $4,422 3.35%
    42% 88 $29,270,000 $332,614 $4,360 3.31%
    38% 86 $27,270,000 $317,093 $4,605 3.30%
    44% 84 $26,550,000 $316,071 $4,384 3.34%
    41% 82 $30,270,000 $369,146 $4,839 3.28%
    36% 80 $26,860,000 $335,750 $4,323 3.30%
    40% 76 $25,000,000 $328,947 $4,214 3.39%
    37% 74 $23,030,000 $311,216 $4,140 3.23%
    49% 56 $18,710,000 $334,107 $5,199 3.30%
    48% 53 $17,325,000 $326,887 $4,549 3.41%
    46% 46 $17,270,000 $375,435 $6,365 3.29%
    45% 38 $11,950,000 $314,474 $3,873 3.37%
    47% 38 $13,320,000 $350,526 $4,902 3.25%
    50-60% 5 $4,755,000 $951,000 $16,034 3.95%
    >60% 1 $515,000 $515,000 $6,273 3.50%

    Peoples Bank lent most frequently to those with DTI ratios of 20-30%, with 594 originations. The next most common DTI ratio? 30-36%, with 425 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 2,010 $650,820,000 $323,791 $4,183 3.26%
    Not provided 191 $61,505,000 $322,016 $4,217 3.25%
    Not applicable 41 $29,295,000 $714,512 $0 3.63%
    Asian 61 $21,635,000 $354,672 $4,078 3.02%
    Black 10 $4,370,000 $437,000 $3,649 3.26%
    American Indian 14 $3,800,000 $271,429 $4,299 3.29%
    Other Asian 2 $710,000 $355,000 $8,286 3.44%
    Chinese 1 $685,000 $685,000 $12,056 3.25%
    Native Hawaiian or Islander 3 $675,000 $225,000 $6,620 3.66%
    Asian Indian 2 $600,000 $300,000 $6,266 2.94%
    Korean 1 $315,000 $315,000 $2,385 3.00%
    Vietnamese 1 $95,000 $95,000 $2,209 2.99%

    Approval Rates

    Total approvals of all applications
    93.35%

    Peoples Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    73.60%

    Peoples Bank has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 2,337 $774,505,000 $331,410

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 14 $18,990,000 $1,356,429
    Single Family (1-4 Units):Manufactured 87 $19,395,000 $222,931
    Single Family (1-4 Units):Site-Built 2,236 $736,120,000 $329,213

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 253 $54,055,000 $213,656 $3,353 3.09%
    40-60% 652 $194,970,000 $299,034 $3,510 3.14%
    60-80% 953 $354,215,000 $371,684 $4,338 3.41%
    80-100% 430 $158,290,000 $368,116 $5,173 3.27%
    Over 100% 15 $7,075,000 $471,667 $15,781 3.24%
    Under 20% 34 $5,900,000 $173,529 $2,127 2.31%

    Complaints

    Bank Name Product Issue 2020 CPFB Complaints % of Total Issues
    Peoples Home Equity, Inc. VA mortgage Applying for a mortgage or refinancing an existing mortgage 1 50.0%
    Peoples Home Equity, Inc. VA mortgage Trouble during payment process 1 50.0%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Peoples Bank 107 S. Main Street Coupeville, WA 98239 Full Service B&M $44,218
    Peoples Bank 3100 Woburn Street Bellingham, WA 98226 Full Service B&M $183,712
    Peoples Bank 1218 Commercial Street Anacortes, WA 98221 Full Service B&M $58,139
    Peoples Bank 1333 Cornwall Avenue Bellingham, WA 98225 Full Service B&M $210,586
    Peoples Bank 1401-12th Street Bellingham, WA 98225 Full Service Retail $61,447
    Peoples Bank 15506 Main Street, Suite 105 Mill Creek, WA 98012 Full Service B&M $69,486
    Peoples Bank 1700 Front Street Lynden, WA 98264 Full Service B&M $34,576
    Peoples Bank 1801 Riverside Drive Mount Vernon, WA 98273 Full Service B&M $175,964
    Peoples Bank 1895 Main Street Ferndale, WA 98248 Full Service B&M $83,702
    Peoples Bank 200 East Main Street Everson, WA 98247 Full Service B&M $89,641
    Peoples Bank 201 Main Street, Suite 101 Edmonds, WA 98020 Full Service B&M $41,695
    Peoples Bank 2601 E Division St Mount Vernon, WA 98274 Full Service Retail $26,066
    Peoples Bank 2702 Colby Avenue Everett, WA 98201 Full Service B&M $39,271
    Peoples Bank 275 Southeast Pioneer Way, Suite 1 Oak Harbor, WA 98277 Full Service B&M $36,542
    Peoples Bank 2801 Bickford Ave North, Suite 101 Snohomish, WA 98290 Full Service Retail $59,837
    Peoples Bank 3300 W. Mcgraw Street, Suite 102 Seattle, WA 98199 Full Service B&M $33,356
    Peoples Bank 418 Grover Street Lynden, WA 98264 Full Service B&M $318,564
    Peoples Bank 4183 Meridian Street Bellingham, WA 98226 Full Service B&M $159,521
    Peoples Bank 5600 24th Avenue Nw Seattle, WA 98107 Full Service B&M $94,149
    Peoples Bank 6920 Evergreen Way Everett, WA 98203 Full Service B&M $10,477
    Peoples Bank 8070 Guide Meridian, #101 Lynden, WA 98264 Full Service Retail $19,561
    Peoples Bank 822 S. Burlington Blvd. Burlington, WA 98233 Full Service B&M $70,879
    Peoples Bank 901 North Mission Street Wenatchee, WA 98801 Full Service B&M $121,106

    For 2020, Peoples Bank had 23 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $75,355
    Net interest income $67,241
    Total noninterest income $37,484
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $1,844
    Trading account gains and fees $0
    Additional Noninterest Income $35,640
    Pre-tax net operating income $21,052
    Securities gains (or losses, -) $95
    Income before extraordinary items $16,760
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $16,760
    Minority interest net income $0
    Net income $16,760
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $16,684

    Peoples Bank's gross interest income from loans was $75,355,000.
    Peoples Bank's net interest income from loans was $67,241,000.
    Peoples Bank's fee based income from loans was $1,844,000.
    Peoples Bank's net income from loans was $16,760,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $8,114
    Provision for credit losses $16,500
    Total noninterest expense $67,173
    Salaries and employee benefits $44,352
    Premises and equipment expense $8,372
    Additional noninterest expense $14,449
    Applicable income taxes $4,387
    Net charge-offs $3
    Cash dividends $9,649

    Peoples Bank's interest expense for loans was $8,114,000.
    Peoples Bank's payroll and benefits expense were $44,352,000.
    Peoples Bank's property, plant and equipment expenses $8,372,000.

    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 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 $2,198,372
    Deposits held in domestic offices $2,198,372
    Deposits by Individuals, partnerships, and corporations $2,179,196
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $19,176
    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 $210,027
    Demand deposits $150,623
    Nontransaction accounts $1,988,345
    Money market deposit accounts (MMDAs) $1,463,294
    Other savings deposits (excluding MMDAs) $275,721
    Total time deposits $249,331
    Total time and savings deposits $2,047,749
    Noninterest-bearing deposits $711,103
    Interest-bearing deposits $1,487,269
    Retail deposits $2,104,356
    IRAs and Keogh plan accounts $35,171
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $2,435,832
    Cash & Balances due from depository institutions $502,875
    Interest-bearing balances $477,616
    Total securities $113,638
    Federal funds sold & reverse repurchase $0
    Net loans and leases $1,752,434
    Loan and leases loss allowance $35,658
    Trading account assets $0
    Bank premises and fixed assets $42,326
    Other real estate owned $0
    Goodwill and other intangibles $3,803
    All other assets $20,756

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $2,435,832
    Total Liabilities $2,204,512
    Total deposits $2,198,372
    Interest-bearing deposits $1,487,269
    Deposits held in domestic offices $2,198,372
    % insured (estimated) $65
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $0
    Subordinated debt $0
    All other liabilities $6,140

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $1,752,434
    Loan and leases loss allowance $35,658
    Total loans and leases (domestic) $1,788,092
    All real estate loans $1,281,551
    Real estate loans in domestic offices $1,281,551
    Construction and development loans $128,982
    Residential 1-4 family construction $37,770
    Other construction, all land development and other land $91,212
    Loans secured by nonfarm nonresidential properties $636,086
    Nonfarm nonresidential secured by owner-occupied properties $248,021
    Commercial real estate & other non-farm, non-residential $388,065
    Multifamily residential real estate $182,757
    1-4 family residential loans $277,237
    Farmland loans $56,489
    Loans held in foreign offices $0
    Farm loans $99,270
    Commercial and industrial loans $251,243
    To non-U.S. addressees $0
    Loans to individuals $153,906
    Credit card loans $0
    Related Plans $661
    Consumer Auto Loans $708
    Other loans to individuals $152,537
    All other loans & leases $2,123
    Loans to foreign governments and official institutions $0
    Other loans $2,123
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $35,325
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $2,415
    Non 1-4 family restructured loans & leases $1,319
    Total loans and leases (foreign) $0

    Peoples Bank had $1,752,434,000 of loans outstanding in 2020. $1,281,551,000 of loans were in real estate loans. $128,982,000 of loans were in development loans. $182,757,000 of loans were in multifamily mortgage loans. $277,237,000 of loans were in 1-4 family mortgage loans. $99,270,000 of loans were in farm loans. $0 of loans were in credit card loans. $708,000 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 480 $150,564 $313,675
    Nonfarm, nonresidential loans - <$100k 33 $1,536 $46,545
    Nonfarm, nonresidential loans - $100-250k 151 $19,255 $127,517
    Nonfarm, nonresidential loans - $250k-1MM 296 $129,773 $438,422
    Commercial & Industrial, US addressed loans - <$1MM 2,514 $186,021 $73,994
    Commercial & Industrial, US addressed loans - <$100k 1,723 $39,127 $22,709
    Commercial & Industrial, US addressed loans - $100-250k 467 $53,241 $114,006
    Commercial & Industrial, US addressed loans - $250k-1MM 324 $93,653 $289,052
    Farmland loans - <$1MM 58 $10,465 $180,431
    Farmland loans - <$100k 5 $260 $52,000
    Farmland loans - $100-250k 28 $4,280 $152,857
    Farmland loans - $250k-1MM 25 $5,925 $237,000
    Agriculture operations loans - <$1MM 123 $18,431 $149,846
    Agriculture operations loans - <$100k 33 $838 $25,394
    Agriculture operations loans - $100-250k 43 $4,906 $114,093
    Agriculture operations loans - $250k-1MM 47 $12,687 $269,936