Bankiowa Of Cedar Rapids Mortgage Rates, Fees & Info

Cedar Rapids, IA

LEI: 54930038YN5XV3SDVZ83

Tax ID: 42-0247350

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

    Bankiowa Of Cedar Rapids is a smaller bank specializing in Home Purchase loans. Bankiowa Of Cedar Rapids 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: Cedar Rapids, Waterloo, Iowa City, Des Moines, and Grand Island among others. We have data for 16 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Bankiowa Of Cedar Rapids 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. Bankiowa Of Cedar Rapids 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.

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    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    30 Year Conventional Purchase 6.13% 11/17/24
    30 Year Conventional Refi 6.09% 11/17/24
    30 Year Cash-out Refi 6.20% 11/17/24
    30 Year FHA Purchase 6.90% 11/17/24
    30 Year VA Purchase 5.91% 11/17/24
    30 Year VA Refi 5.82% 11/17/24
    30 Year USDA Purchase 6.59% 11/17/24
    15 Year Conventional Purchase 6.02% 11/17/24
    15 Year Conventional Refi 5.74% 11/17/24
    15 Year Cash-out Refi 5.74% 11/17/24
    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.

    Bankiowa Of Cedar Rapids Mortgage Calculator






    Your Estimates

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

    This is not an official calculator from Bankiowa Of Cedar Rapids. 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

    451

    Origination Dollar Volume (All Markets)

    $56,675,000

    Employee count

    135 Show all (7) 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
    CEDAR RAPIDS, IA (FHA|USDA|VA) 159 $22,225,000 $139,780 $1,606 4.34%
    Outside of Metro Areas 175 $13,275,000 $75,857 $1,274 4.42%
    WATERLOO-CEDAR FALLS, IA (FHA|USDA|VA) 82 $12,290,000 $149,878 $1,204 4.38%
    IOWA CITY, IA (FHA|USDA|VA) 12 $1,720,000 $143,333 $1,363 4.20%
    DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 11 $1,695,000 $154,091 $2,354 4.06%
    GRAND ISLAND, NE (FHA|USDA|VA) 1 $1,515,000 $1,515,000 $0 5.30%
    Pella, IA (FHA|USDA|VA) 1 $1,355,000 $1,355,000 $0 4.50%
    AMES, IA (FHA|USDA|VA) 1 $625,000 $625,000 $8,267 3.13%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 1 $405,000 $405,000 $0 4.25%
    PEORIA, IL (FHA|USDA|VA) 2 $390,000 $195,000 $7,335 4.69%
    Carroll, IA (FHA|USDA|VA) 1 $285,000 $285,000 $6,453 4.00%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 1 $255,000 $255,000 $0 4.00%
    Brainerd, MN (FHA|USDA|VA) 1 $225,000 $225,000 $2,612 4.00%
    Marshalltown, IA (FHA|USDA|VA) 1 $185,000 $185,000 $118 4.25%
    MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 1 $155,000 $155,000 $4,590 3.75%
    DUBUQUE, IA (FHA|USDA|VA) 1 $75,000 $75,000 $2,343 3.88%
    Bankiowa Of Cedar Rapids's top markets include Cedar Rapids, Waterloo, Iowa City, Des Moines, and Grand Island among others.

    Their top states include:
  • Iowa (FHA|USDA|VA)
  • Nebraska (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Illinois (FHA|USDA|VA)
  • Minnesota (FHA|USDA|VA)

    • Similar Lenders

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

    Citizens State Bank
    Similarity Rank: 68
    Farmers Savings Bank & Trust
    Similarity Rank: 76
    Hills Bank and Trust Company
    Similarity Rank: 117
    FIRST
    Similarity Rank: 117
    RESIDENTIAL MORTGAGE NETWORK, INC.
    Similarity Rank: 216
    Farmers State Bank
    Similarity Rank: 220
    COMMUNITY 1ST CREDIT UNION
    Similarity Rank: 273
    Collins Community Credit Union
    Similarity Rank: 299
    BankIowa of Cedar Rapids
    Similarity Rank: 448
    American Trust & Savings Bank
    Similarity Rank: 567

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 416 $50,960,000 $122,500 $1,263 4.38%
    VA 19 $3,565,000 $187,632 $3,572 3.99%
    FHA 8 $1,220,000 $152,500 $4,096 4.08%
    USDA 8 $930,000 $116,250 $3,210 4.27%

    For 2018, Bankiowa Of Cedar Rapids's most frequently originated type of loan was Conventional, with 416 originations. Their 2nd most popular type was VA, with 19 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 267 $41,105,000 $153,951 $2,004 4.29%
    Refi 78 $10,140,000 $130,000 $1,285 4.60%
    Home Improvement 49 $1,165,000 $23,776 $101 4.39%
    Other 37 $1,075,000 $29,054 $93 4.36%
    Cash Out Refi 20 $3,190,000 $159,500 $2,150 4.31%

    For 2018, Bankiowa Of Cedar Rapids's most frequently cited loan purpose was Home Purchase, with 267 originations. The 2nd most popular reason was Refi, with 78 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 182 $32,350,000 $177,747 $2,530 4.20%
    Other 161 $11,235,000 $69,783 $115 4.32%
    5 Year 53 $7,295,000 $137,642 $62 5.22%
    15 Year 35 $4,295,000 $122,714 $1,847 3.95%
    1 Year 7 $335,000 $47,857 $262 5.32%
    10 Year 7 $295,000 $42,143 $269 4.04%
    20 Year 4 $820,000 $205,000 $1,655 3.97%
    3 Year 2 $50,000 $25,000 $62 5.33%

    For 2018, Bankiowa Of Cedar Rapids's most frequently cited loan duration was 30 Year, with 182 originations. The 2nd most popular length was Other, with 161 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 275 $26,645,000 $96,891
    $1k-2k 47 $5,585,000 $118,830
    $2k-3k 26 $5,170,000 $198,846
    $3k-4k 5 $1,435,000 $287,000
    $4k-5k 4 $1,590,000 $397,500
    $5k+ 2 $1,170,000 $585,000

    Bankiowa Of Cedar Rapids's average total fees were $2,530, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 275 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 219 $25,875,000 $118,151
    3-4% 172 $24,610,000 $143,081
    5-6% 59 $6,125,000 $103,814
    6-7% 1 $65,000 $65,000

    During 2018, Bankiowa Of Cedar Rapids's average interest rate for loans was 4.20%, while their most frequently originated rate bucket for loans was 4-5%, with 219 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 261 $11,895,000 $45,575 $714 4.47%
    $100k-200k 107 $15,295,000 $142,944 $2,059 4.27%
    $200k-400k 68 $17,640,000 $259,412 $2,739 4.10%
    $400k-600k 8 $3,560,000 $445,000 $4,269 4.05%
    $1MM+ 4 $6,050,000 $1,512,500 $0 4.58%
    $600k-1MM 3 $2,235,000 $745,000 $8,267 4.28%

    2018 saw Bankiowa Of Cedar Rapids place emphasis on $100,000 or less loans with 261 originations, totaling $11,895,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 105 $9,285,000 $88,429 $1,536 4.33%
    $100k-150k 92 $13,660,000 $148,478 $1,731 4.26%
    $50k or less 86 $5,850,000 $68,023 $1,296 4.32%
    $75k-100k 72 $7,430,000 $103,194 $1,208 4.30%
    $150k-250k 32 $5,020,000 $156,875 $1,702 4.11%
    $250k+ 14 $3,510,000 $250,714 $2,130 4.08%

    Bankiowa Of Cedar Rapids lent most frequently to those with incomes in the $50k-75k range, with 105 originations. The second most popular income band? $100k-150k, with 92 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 142 $17,010,000 $119,789 $1,506 4.22%
    30-36% 79 $9,225,000 $116,772 $1,748 4.23%
    <20% 54 $5,180,000 $95,926 $1,063 4.14%
    38% 19 $1,645,000 $86,579 $1,010 4.24%
    41% 18 $1,220,000 $67,778 $375 4.19%
    39% 17 $1,915,000 $112,647 $1,779 4.27%
    40% 12 $1,550,000 $129,167 $1,875 3.90%
    37% 12 $1,460,000 $121,667 $1,202 4.14%
    42% 11 $1,355,000 $123,182 $1,931 4.36%
    36% 9 $1,545,000 $171,667 $1,962 4.21%
    43% 4 $680,000 $170,000 $3,088 4.31%
    44% 4 $940,000 $235,000 $2,734 4.09%
    45% 2 $210,000 $105,000 $1,969 4.25%
    46% 2 $230,000 $115,000 $1,252 4.56%
    47% 1 $145,000 $145,000 $1,255 4.38%
    48% 1 $205,000 $205,000 $423 3.75%
    49% 1 $115,000 $115,000 $3,461 4.00%
    >60% 1 $145,000 $145,000 $2,874 3.50%

    Bankiowa Of Cedar Rapids lent most frequently to those with DTI ratios of 20-30%, with 142 originations. The next most common DTI ratio? 30-36%, with 79 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 395 $43,905,000 $111,152 $1,485 4.29%
    Not applicable 37 $10,195,000 $275,541 $0 5.25%
    Not provided 15 $2,285,000 $152,333 $1,712 4.19%
    American Indian 1 $165,000 $165,000 $3,131 4.00%
    Black 2 $90,000 $45,000 $1,163 4.62%
    Asian 1 $35,000 $35,000 $55 3.25%

    Approval Rates

    Total approvals of all applications
    96.26%

    Bankiowa Of Cedar Rapids 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
    91.57%

    Bankiowa Of Cedar Rapids has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    15.0 15 $2,015,000 $134,333
    NA 436 $54,660,000 $125,367

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Manufactured 2 $2,130,000 $1,065,000
    Multifamily:Site-Built 5 $5,635,000 $1,127,000
    Single Family (1-4 Units):Site-Built 444 $48,910,000 $110,158

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 55 $2,815,000 $51,182 $457 4.34%
    40-60% 33 $3,985,000 $120,758 $1,284 4.37%
    60-80% 138 $24,400,000 $176,812 $2,053 4.44%
    80-100% 123 $22,455,000 $182,561 $2,520 4.32%
    Over 100% 3 $555,000 $185,000 $8,247 4.58%
    Under 20% 99 $2,465,000 $24,899 $89 4.31%

    Complaints

    Bank Name Product Issue 2018 CPFB Complaints % of Total Issues
    BANK OF THE WEST FHA mortgage Closing on a mortgage 1 3.7%
    BANK OF THE WEST Conventional home mortgage Trouble during payment process 1 3.7%
    BANK OF THE WEST Conventional home mortgage Struggling to pay mortgage 1 3.7%
    BANK OF THE WEST Conventional home mortgage Closing on a mortgage 2 7.4%
    BANK OF THE WEST Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 4 14.8%
    BANK OF THE WEST Home equity loan or line of credit (HELOC) Struggling to pay mortgage 1 3.7%
    BANK OF THE WEST Home equity loan or line of credit (HELOC) Incorrect information on your report 2 7.4%
    BANK OF THE WEST Home equity loan or line of credit (HELOC) Closing on a mortgage 1 3.7%
    BANK OF THE WEST Home equity loan or line of credit (HELOC) Applying for a mortgage or refinancing an existing mortgage 4 14.8%
    BANK OF THE WEST VA mortgage Applying for a mortgage or refinancing an existing mortgage 1 3.7%
    BANK OF THE WEST Other type of mortgage Trouble during payment process 3 11.1%
    BANK OF THE WEST Other type of mortgage Applying for a mortgage or refinancing an existing mortgage 1 3.7%
    BANK OF THE WEST Home equity loan or line of credit (HELOC) Trouble during payment process 5 18.5%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    BankIowa of Cedar Rapids 305 Enterprise Drive Independence, IA 50644 Full Service B&M $13,327
    BankIowa of Cedar Rapids 102 Railroad Street West Norway, IA 52318 Full Service B&M $23,017
    BankIowa of Cedar Rapids 1311 Sixth Street Jesup, IA 50648 Full Service B&M $33,843
    BankIowa of Cedar Rapids 230 First Street East Independence, IA 50644 Full Service B&M $191,614
    BankIowa of Cedar Rapids 2701 Edgewood Parkway, Sw Cedar Rapids, IA 52404 Full Service B&M $68,897
    BankIowa of Cedar Rapids 3222 Kimball Avenue Waterloo, IA 50702 Full Service B&M $61,813
    BankIowa of Cedar Rapids 330 East 4th Street Waterloo, IA 50703 Full Service B&M $26,949
    BankIowa of Cedar Rapids 331 Second Street, Ne Independence, IA 50644 Limited, Drive-thru $0
    BankIowa of Cedar Rapids 633 Bush Street Lamont, IA 50650 Full Service B&M $12,922
    BankIowa of Cedar Rapids 6804 University Avenue Cedar Falls, IA 50613 Full Service B&M $34,583
    BankIowa of Cedar Rapids 7045 C Avenue Northeast Cedar Rapids, IA 52402 Full Service B&M $42,050

    For 2018, Bankiowa Of Cedar Rapids had 11 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $25,752
    Net interest income $19,742
    Total noninterest income $5,078
    Gross Fiduciary activities income $707
    Service charges on deposit accounts $673
    Trading account gains and fees $0
    Additional Noninterest Income $3,698
    Pre-tax net operating income $7,963
    Securities gains (or losses, -) $0
    Income before extraordinary items $7,570
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $7,570
    Minority interest net income $0
    Net income $7,570
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $7,570

    Bankiowa Of Cedar Rapids's gross interest income from loans was $25,752,000.
    Bankiowa Of Cedar Rapids's net interest income from loans was $19,742,000.
    Bankiowa Of Cedar Rapids's fee based income from loans was $673,000.
    Bankiowa Of Cedar Rapids's net income from loans was $7,570,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $6,010
    Provision for credit losses $150
    Total noninterest expense $16,707
    Salaries and employee benefits $10,491
    Premises and equipment expense $1,467
    Additional noninterest expense $4,749
    Applicable income taxes $393
    Net charge-offs $91
    Cash dividends $2,750

    Bankiowa Of Cedar Rapids's interest expense for loans was $6,010,000.
    Bankiowa Of Cedar Rapids's payroll and benefits expense were $10,491,000.
    Bankiowa Of Cedar Rapids's property, plant and equipment expenses $1,467,000.

    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 $521,293
    Deposits held in domestic offices $521,293
    Deposits by Individuals, partnerships, and corporations $399,309
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $121,984
    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 $69,075
    Demand deposits $17,494
    Nontransaction accounts $452,218
    Money market deposit accounts (MMDAs) $123,404
    Other savings deposits (excluding MMDAs) $173,630
    Total time deposits $155,184
    Total time and savings deposits $503,799
    Noninterest-bearing deposits $93,075
    Interest-bearing deposits $428,218
    Retail deposits $426,122
    IRAs and Keogh plan accounts $12,894
    Brokered deposits $25,036
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $664,672
    Cash & Balances due from depository institutions $10,299
    Interest-bearing balances $2,811
    Total securities $91,671
    Federal funds sold & reverse repurchase $0
    Net loans and leases $529,978
    Loan and leases loss allowance $5,265
    Trading account assets $0
    Bank premises and fixed assets $6,873
    Other real estate owned $120
    Goodwill and other intangibles $3,806
    All other assets $21,925

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $664,672
    Total Liabilities $592,047
    Total deposits $521,293
    Interest-bearing deposits $428,218
    Deposits held in domestic offices $521,293
    % insured (estimated) $64
    Federal funds purchased and repurchase agreements $17,531
    Trading liabilities $0
    Other borrowed funds $46,900
    Subordinated debt $0
    All other liabilities $6,323

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $529,978
    Loan and leases loss allowance $5,265
    Total loans and leases (domestic) $535,243
    All real estate loans $374,374
    Real estate loans in domestic offices $374,374
    Construction and development loans $25,820
    Residential 1-4 family construction $8,538
    Other construction, all land development and other land $17,282
    Loans secured by nonfarm nonresidential properties $108,102
    Nonfarm nonresidential secured by owner-occupied properties $53,758
    Commercial real estate & other non-farm, non-residential $54,344
    Multifamily residential real estate $27,980
    1-4 family residential loans $130,235
    Farmland loans $82,237
    Loans held in foreign offices $0
    Farm loans $74,599
    Commercial and industrial loans $56,860
    To non-U.S. addressees $0
    Loans to individuals $14,900
    Credit card loans $0
    Related Plans $682
    Consumer Auto Loans $5,580
    Other loans to individuals $8,638
    All other loans & leases $14,510
    Loans to foreign governments and official institutions $0
    Other loans $351
    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 $772
    Non 1-4 family restructured loans & leases $731
    Total loans and leases (foreign) $0

    BankIowa of Cedar Rapids had $529,978,000 of loans outstanding in 2018. $374,374,000 of loans were in real estate loans. $25,820,000 of loans were in development loans. $27,980,000 of loans were in multifamily mortgage loans. $130,235,000 of loans were in 1-4 family mortgage loans. $74,599,000 of loans were in farm loans. $0 of loans were in credit card loans. $5,580,000 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 193 $39,699 $205,694
    Nonfarm, nonresidential loans - <$100k 59 $2,306 $39,085
    Nonfarm, nonresidential loans - $100-250k 58 $8,039 $138,603
    Nonfarm, nonresidential loans - $250k-1MM 76 $29,354 $386,237
    Commercial & Industrial, US addressed loans - <$1MM 472 $27,950 $59,216
    Commercial & Industrial, US addressed loans - <$100k 373 $7,702 $20,649
    Commercial & Industrial, US addressed loans - $100-250k 55 $5,383 $97,873
    Commercial & Industrial, US addressed loans - $250k-1MM 44 $14,865 $337,841
    Farmland loans - <$1MM 259 $32,683 $126,189
    Farmland loans - <$100k 64 $2,547 $39,797
    Farmland loans - $100-250k 114 $12,379 $108,588
    Farmland loans - $250k-1MM 81 $17,757 $219,222
    Agriculture operations loans - <$1MM 610 $44,855 $73,533
    Agriculture operations loans - <$100k 410 $10,984 $26,790
    Agriculture operations loans - $100-250k 124 $14,047 $113,282
    Agriculture operations loans - $250k-1MM 76 $19,824 $260,842