1st Constitution Bank Mortgage Rates, Fees & Info

Cranbury, NJ

LEI: 5493002T7QJXHY7QTC73

Tax ID: 22-2937245

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Mortgage Data

Bank Data

Review & Overview

1st Constitution Bank is a smaller bank specializing in Refi and Home Purchase loans. 1st Constitution 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.) Their top markets by origination volume include: New York, Trenton, Philadelphia, Allentown, and East Stroudsburg among others. We have data for 44 markets. (Some data included below & more in-depth data is available with an active subscription.)

1st Constitution Bank has an above average approval rate when compared to the average across all lenders. They have an above average pick rate when compared to similar lenders. 1st Constitution 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.

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Originations

1,124

Origination Dollar Volume (All Markets)

$388,780,000

Employee count

212

Awards

1st Constitution Bank 30 Year Conventional Loans silver 1st Constitution Bank 30 Year Conventional Loans gold 1st Constitution Bank 30 Year Conventional Loans silver
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
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 921 $333,205,000 $361,786 $3,846 3.08%
TRENTON-PRINCETON, NJ (FHA|USDA|VA) 57 $15,335,000 $269,035 $3,235 3.21%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 50 $13,330,000 $266,600 $3,910 2.97%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 15 $3,095,000 $206,333 $3,461 2.96%
EAST STROUDSBURG, PA (FHA|USDA|VA) 9 $2,505,000 $278,333 $4,967 3.00%
Outside of Metro Areas 4 $1,980,000 $495,000 $3,966 3.38%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 7 $1,785,000 $255,000 $3,153 3.66%
ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) 6 $1,670,000 $278,333 $4,170 3.33%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 5 $1,525,000 $305,000 $5,079 3.30%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 4 $1,360,000 $340,000 $8,548 4.66%
Jackson, WY-ID (FHA|USDA|VA) 3 $1,315,000 $438,333 $3,186 2.88%
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 3 $1,045,000 $348,333 $3,211 2.96%
OCEAN CITY, NJ (FHA|USDA|VA) 3 $975,000 $325,000 $3,876 3.29%
SAVANNAH, GA (FHA|USDA|VA) 2 $650,000 $325,000 $2,926 2.63%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 2 $630,000 $315,000 $2,093 2.94%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 2 $580,000 $290,000 $2,381 2.81%
Breckenridge, CO (FHA|USDA|VA) 1 $515,000 $515,000 $2,699 3.88%
SALISBURY, MD-DE (FHA|USDA|VA) 1 $515,000 $515,000 $3,870 2.25%
Key West, FL (FHA|USDA|VA) 1 $515,000 $515,000 $7,902 2.50%
PITTSFIELD, MA (FHA|USDA|VA) 1 $515,000 $515,000 $3,054 2.25%
Sebastian-Vero Beach, FL (FHA|USDA|VA) 1 $515,000 $515,000 $2,965 2.63%
RALEIGH-CARY, NC (FHA|USDA|VA) 2 $500,000 $250,000 $4,781 3.00%
SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 2 $460,000 $230,000 $3,467 2.75%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 1 $455,000 $455,000 $3,752 2.63%
PORT ST. LUCIE, FL (FHA|USDA|VA) 2 $420,000 $210,000 $3,168 3.44%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 1 $345,000 $345,000 $2,064 2.75%
Kill Devil Hills, NC (FHA|USDA|VA) 1 $335,000 $335,000 $3,340 3.25%
Torrington, CT (FHA|USDA|VA) 1 $305,000 $305,000 $3,572 2.75%
PUNTA GORDA, FL (FHA|USDA|VA) 1 $295,000 $295,000 $3,549 2.50%
LOUISVILLE, KY (FHA|USDA|VA) 1 $245,000 $245,000 $2,566 3.63%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 1 $235,000 $235,000 $3,085 2.50%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 1 $215,000 $215,000 $3,062 3.25%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 1 $205,000 $205,000 $2,719 2.75%
OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 1 $205,000 $205,000 $2,233 2.50%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 1 $175,000 $175,000 $1,950 3.38%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 1 $155,000 $155,000 $2,179 3.25%
POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) 1 $105,000 $105,000 $3,297 2.88%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 1 $105,000 $105,000 $2,237 2.63%
NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 1 $85,000 $85,000 $2,690 3.00%
ST. LOUIS, MO-IL (FHA|USDA|VA) 1 $85,000 $85,000 $3,196 5.25%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 1 $85,000 $85,000 $2,308 3.25%
Emporia, KS (FHA|USDA|VA) 1 $85,000 $85,000 $1,879 3.88%
ELMIRA, NY (FHA|USDA|VA) 1 $65,000 $65,000 $2,799 3.50%
BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) 1 $55,000 $55,000 $3,310 4.88%
1st Constitution Bank's top markets include New York, Trenton, Philadelphia, Allentown, and East Stroudsburg among others.

Their top states include:
  • New Jersey (FHA|USDA|VA)
  • New York (FHA|USDA|VA)
  • Pennsylvania (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • North Carolina (FHA|USDA|VA)
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 1,065 $369,695,000 $347,131 $3,442 3.09%
    FHA 59 $19,085,000 $323,475 $10,397 3.24%

    For 2020, 1st Constitution Bank's most frequently originated type of loan was Conventional, with 1,065 originations. Their 2nd most popular type was FHA, with 59 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 621 $224,335,000 $361,248 $3,059 2.91%
    Home Purchase 315 $105,355,000 $334,460 $5,422 3.27%
    Cash Out Refi 185 $55,215,000 $298,459 $3,752 3.36%
    Home Improvement 3 $3,875,000 $1,291,667 $641 5.08%

    For 2020, 1st Constitution Bank's most frequently cited loan purpose was Refi, with 621 originations. The 2nd most popular reason was Home Purchase, with 315 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 836 $279,070,000 $333,816 $4,108 3.17%
    15 Year 157 $42,415,000 $270,159 $2,893 2.61%
    20 Year 56 $17,110,000 $305,536 $2,913 2.82%
    Other 50 $26,060,000 $521,200 $2,966 3.19%
    10 Year 17 $19,715,000 $1,159,706 $2,193 3.62%
    1 Year 8 $4,410,000 $551,250 $0 5.22%

    For 2020, 1st Constitution Bank's most frequently cited loan duration was 30 Year, with 836 originations. The 2nd most popular length was 15 Year, with 157 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 989 $319,375,000 $322,927
    $1k-2k 41 $10,805,000 $263,537
    $2k-3k 27 $6,755,000 $250,185
    $3k-4k 19 $6,515,000 $342,895
    $4k-5k 12 $4,610,000 $384,167
    $5k+ 11 $5,765,000 $524,091

    1st Constitution Bank's average total fees were $4,108, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 989 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    2.5-3% 530 $178,490,000 $336,774
    3-4% 371 $130,695,000 $352,278
    <2.5% 147 $43,255,000 $294,252
    5-6% 39 $23,035,000 $590,641
    4-5% 37 $13,305,000 $359,595

    During 2020, 1st Constitution Bank's average interest rate for loans was 3.17%, while their most frequently originated rate bucket for loans was 2.5-3%, with 530 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 594 $175,180,000 $294,916 $3,758 3.06%
    $400k-600k 243 $115,215,000 $474,136 $4,442 3.02%
    $100k-200k 204 $32,480,000 $159,216 $2,957 3.07%
    $600k-1MM 48 $33,730,000 $702,708 $5,583 3.36%
    $100,000 or less 26 $1,890,000 $72,692 $2,694 3.75%
    $1MM+ 9 $30,285,000 $3,365,000 $7,088 4.80%

    2020 saw 1st Constitution Bank place emphasis on $200k-400k loans with 594 originations, totaling $175,180,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $150k-250k 292 $109,830,000 $376,130 $3,656 2.99%
    $100k-150k 278 $85,260,000 $306,691 $3,673 3.03%
    $75k-100k 170 $47,370,000 $278,647 $4,169 3.09%
    $50k-75k 159 $35,335,000 $222,233 $3,916 3.10%
    $250k+ 146 $66,650,000 $456,507 $3,874 3.04%
    $50k or less 55 $9,865,000 $179,364 $3,833 3.36%

    1st Constitution Bank lent most frequently to those with incomes in the $150k-250k range, with 292 originations. The second most popular income band? $100k-150k, with 278 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 252 $85,200,000 $338,095 $3,275 2.94%
    30-36% 240 $75,870,000 $316,125 $3,498 3.05%
    <20% 97 $31,475,000 $324,485 $3,004 2.79%
    49% 44 $14,110,000 $320,682 $4,858 3.17%
    38% 42 $13,870,000 $330,238 $3,835 3.23%
    40% 41 $12,685,000 $309,390 $4,128 3.05%
    44% 40 $12,680,000 $317,000 $3,781 3.24%
    42% 39 $11,975,000 $307,051 $3,591 3.04%
    41% 38 $12,710,000 $334,474 $3,907 2.99%
    37% 36 $10,120,000 $281,111 $4,033 3.03%
    50-60% 35 $11,225,000 $320,714 $9,499 3.59%
    43% 33 $9,775,000 $296,212 $3,580 3.24%
    39% 33 $11,255,000 $341,061 $3,373 3.03%
    48% 30 $9,500,000 $316,667 $4,171 3.14%
    45% 30 $8,250,000 $275,000 $3,705 3.06%
    46% 21 $6,895,000 $328,333 $4,745 3.07%
    47% 21 $7,665,000 $365,000 $4,736 3.15%
    36% 20 $6,550,000 $327,500 $3,031 2.87%
    >60% 6 $1,690,000 $281,667 $5,609 5.50%

    1st Constitution Bank lent most frequently to those with DTI ratios of 20-30%, with 252 originations. The next most common DTI ratio? 30-36%, with 240 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    Not provided 563 $177,135,000 $314,627 $3,869 3.00%
    White 425 $142,435,000 $335,141 $3,744 3.11%
    Not applicable 22 $32,600,000 $1,481,818 $0 4.89%
    Asian 89 $29,535,000 $331,854 $3,495 3.04%
    Black 24 $6,940,000 $289,167 $5,074 3.51%
    Asian Indian 1 $135,000 $135,000 $2,056 2.13%

    Approval Rates

    Total approvals of all applications
    98.39%

    1st Constitution 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
    91.01%

    1st Constitution Bank has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 1,124 $388,780,000 $345,890

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 8 $27,720,000 $3,465,000
    Single Family (1-4 Units):Site-Built 1,116 $361,060,000 $323,530

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 57 $13,525,000 $237,281 $2,740 2.87%
    40-60% 234 $74,340,000 $317,692 $3,091 2.96%
    60-80% 543 $197,635,000 $363,969 $3,437 3.14%
    80-100% 283 $100,535,000 $355,247 $5,340 3.13%
    Under 20% 7 $2,745,000 $392,143 $2,278 4.32%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    1st Constitution Bank 1 North Harrison Street Jamesburg, NJ 8831 Full Service B&M $128,275
    1st Constitution Bank 1012 Hooper Avenue Toms River, NJ 8753 Full Service B&M $65,027
    1st Constitution Bank 11 Schalks Crossing Road Plainsboro, NJ 8536 Full Service B&M $133,033
    1st Constitution Bank 1130 East Veterans Highway Jackson, NJ 8527 Full Service B&M $33,633
    1st Constitution Bank 118 Third Avenue Neptune City, NJ 7753 Full Service B&M $15,019
    1st Constitution Bank 1216 Route 37 Toms River, NJ 8753 Full Service B&M $67,139
    1st Constitution Bank 140 Mercer Street Hightstown, NJ 8520 Full Service B&M $41,540
    1st Constitution Bank 145 Fayette Street Perth Amboy, NJ 8861 Full Service B&M $56,612
    1st Constitution Bank 150 Lawrenceville-Pennington Rd, Suite # 7 Lawrenceville, NJ 8648 Full Service B&M $7,660
    1st Constitution Bank 180 Main Street Fort Lee, NJ 7024 Full Service B&M $32,988
    1st Constitution Bank 20 Bingham Avenue Rumson, NJ 7760 Full Service B&M $64,879
    1st Constitution Bank 2000 Windrow Drive Princeton, NJ 8540 Full Service B&M $9,621
    1st Constitution Bank 201 Main Street Toms River, NJ 8753 Full Service B&M $20,448
    1st Constitution Bank 2160 N Central Rd, Ste 308 Fort Lee, NJ 7024 Full Service B&M $0
    1st Constitution Bank 2650 Route 130 Cranbury, NJ 8512 Full Service B&M $142,210
    1st Constitution Bank 280 Route 72 East Manahawkin, NJ 8050 Full Service B&M $73,950
    1st Constitution Bank 32 New Amwell Road Hillsborough, NJ 8844 Full Service B&M $81,037
    1st Constitution Bank 3441 Highway 9 Freehold, NJ 7728 Full Service B&M $54,892
    1st Constitution Bank 3659 Nottingham Way Hamilton Square, NJ 8690 Full Service B&M $25,585
    1st Constitution Bank 444 Ocean Boulevard Long Branch, NJ 7740 Full Service B&M $9,590
    1st Constitution Bank 500 Broad Street Shrewsbury, NJ 7702 Full Service B&M $34,653
    1st Constitution Bank 511 Cookman Avenue Asbury Park, NJ 7712 Full Service B&M $24,714
    1st Constitution Bank 517 Prospect Ave Little Silver, NJ 7739 Full Service B&M $26,939
    1st Constitution Bank 517 Prospect Avenue Little Silver, NJ 7739 Full Service B&M $0
    1st Constitution Bank 636 River Road Fair Haven, NJ 7704 Full Service B&M $27,441
    1st Constitution Bank 74 North Main Street Cranbury, NJ 8512 Full Service B&M $64,107
    1st Constitution Bank 86 E. Broad Street Hopewell, NJ 8525 Full Service B&M $50,106
    1st Constitution Bank 995 Route 518 Skillman, NJ 8558 Full Service B&M $118,762

    For 2020, 1st Constitution Bank had 28 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $69,146
    Net interest income $58,937
    Total noninterest income $14,242
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $892
    Trading account gains and fees $0
    Additional Noninterest Income $13,350
    Pre-tax net operating income $25,026
    Securities gains (or losses, -) $101
    Income before extraordinary items $18,429
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $18,429
    Minority interest net income $0
    Net income $18,429
    Sale, conversion, retirement of capital stock, net $1,132
    Net operating income $18,349

    1st Constitution Bank's gross interest income from loans was $69,146,000.
    1st Constitution Bank's net interest income from loans was $58,937,000.
    1st Constitution Bank's fee based income from loans was $892,000.
    1st Constitution Bank's net income from loans was $18,429,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $10,209
    Provision for credit losses $6,698
    Total noninterest expense $41,455
    Salaries and employee benefits $26,681
    Premises and equipment expense $6,115
    Additional noninterest expense $8,659
    Applicable income taxes $6,698
    Net charge-offs $328
    Cash dividends $4,127

    1st Constitution Bank's interest expense for loans was $10,209,000.
    1st Constitution Bank's payroll and benefits expense were $26,681,000.
    1st Constitution Bank's property, plant and equipment expenses $6,115,000.

    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 5.0%
    Nonfarm, nonresidential loans 1.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 1.0%
    HELOC loans 1.0%
    All other family 1.0%
    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 $1,563,243
    Deposits held in domestic offices $1,563,243
    Deposits by Individuals, partnerships, and corporations $1,374,496
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $188,747
    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 $167,072
    Demand deposits $115,670
    Nontransaction accounts $1,396,171
    Money market deposit accounts (MMDAs) $65,498
    Other savings deposits (excluding MMDAs) $969,042
    Total time deposits $361,631
    Total time and savings deposits $1,447,573
    Noninterest-bearing deposits $425,614
    Interest-bearing deposits $1,137,629
    Retail deposits $1,518,160
    IRAs and Keogh plan accounts $33,261
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $1,806,352
    Cash & Balances due from depository institutions $20,621
    Interest-bearing balances $18,359
    Total securities $217,749
    Federal funds sold & reverse repurchase $0
    Net loans and leases $1,447,847
    Loan and leases loss allowance $15,641
    Trading account assets $0
    Bank premises and fixed assets $30,892
    Other real estate owned $92
    Goodwill and other intangibles $36,798
    All other assets $52,353

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $1,806,352
    Total Liabilities $1,600,920
    Total deposits $1,563,243
    Interest-bearing deposits $1,137,629
    Deposits held in domestic offices $1,563,243
    % insured (estimated) $79
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $27,212
    Subordinated debt $0
    All other liabilities $10,465

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $1,447,847
    Loan and leases loss allowance $15,641
    Total loans and leases (domestic) $1,463,488
    All real estate loans $934,155
    Real estate loans in domestic offices $934,155
    Construction and development loans $128,999
    Residential 1-4 family construction $57,413
    Other construction, all land development and other land $71,586
    Loans secured by nonfarm nonresidential properties $516,799
    Nonfarm nonresidential secured by owner-occupied properties $226,101
    Commercial real estate & other non-farm, non-residential $290,698
    Multifamily residential real estate $95,194
    1-4 family residential loans $192,380
    Farmland loans $783
    Loans held in foreign offices $0
    Farm loans $29
    Commercial and industrial loans $528,159
    To non-U.S. addressees $0
    Loans to individuals $944
    Credit card loans $0
    Related Plans $0
    Consumer Auto Loans $286
    Other loans to individuals $658
    All other loans & leases $201
    Loans to foreign governments and official institutions $0
    Other loans $0
    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 $5,692
    Non 1-4 family restructured loans & leases $5,516
    Total loans and leases (foreign) $0

    1st Constitution Bank had $1,447,847,000 of loans outstanding in 2020. $934,155,000 of loans were in real estate loans. $128,999,000 of loans were in development loans. $95,194,000 of loans were in multifamily mortgage loans. $192,380,000 of loans were in 1-4 family mortgage loans. $29,000 of loans were in farm loans. $0 of loans were in credit card loans. $286,000 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 473 $130,936 $276,820
    Nonfarm, nonresidential loans - <$100k 58 $2,073 $35,741
    Nonfarm, nonresidential loans - $100-250k 114 $12,723 $111,605
    Nonfarm, nonresidential loans - $250k-1MM 301 $116,140 $385,847
    Commercial & Industrial, US addressed loans - <$1MM 716 $72,176 $100,804
    Commercial & Industrial, US addressed loans - <$100k 362 $9,374 $25,895
    Commercial & Industrial, US addressed loans - $100-250k 177 $13,292 $75,096
    Commercial & Industrial, US addressed loans - $250k-1MM 177 $49,510 $279,718
    Farmland loans - <$1MM 1 $231 $231,000
    Farmland loans - $250k-1MM 1 $231 $231,000
    Agriculture operations loans - <$1MM 1 $25 $25,000
    Agriculture operations loans - <$100k 1 $25 $25,000