Fremont Bank Mortgage Rates, Fees & Info

Fremont, CA

LEI: 5493006F1N8E3EEF3W63

Tax ID: 94-1569025

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Mortgage Data

Bank Data

Review & Overview

Fremont Bank is a small bank specializing in Home Purchase and Cash Out Refi loans. Fremont 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: San Francisco, Los Angeles, San Jose, Sacramento, and Santa Rosa among others. We have data for 40 markets. (Some data included below & more in-depth data is available with an active subscription.)

Fremont Bank 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. Fremont 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.

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SimulatedRates™

Mortgage Type
Simulated Rate Simulation Date
Home Equity Line of Credit (HELOC) 7.55% 3/24/24
30 Year Conventional Purchase 6.12% 3/24/24
30 Year Conventional Refi 6.29% 3/24/24
30 Year Cash-out Refi 6.37% 3/24/24
30 Year FHA Purchase 7.31% 3/24/24
15 Year Conventional Purchase 5.85% 3/24/24
15 Year Conventional Refi 5.82% 3/24/24
15 Year Cash-out Refi 5.82% 3/24/24
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.

Fremont Bank Mortgage Calculator






Your Estimates

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

This is not an official calculator from Fremont 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

7,493

Origination Dollar Volume (All Markets)

$2,645,885,000

Employee count

783 Show all (21) 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
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 3,513 $1,130,095,000 $321,689 $2,887 5.03%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 1,313 $612,505,000 $466,493 $6,758 4.92%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 770 $303,640,000 $394,338 $3,439 5.06%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 321 $89,895,000 $280,047 $3,135 4.95%
SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 150 $75,180,000 $501,200 $4,704 4.88%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 173 $72,645,000 $419,913 $6,340 4.97%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 158 $46,930,000 $297,025 $4,945 4.88%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 98 $41,730,000 $425,816 $5,283 4.82%
STOCKTON, CA (FHA|USDA|VA) 190 $39,460,000 $207,684 $1,251 5.12%
SALINAS, CA (FHA|USDA|VA) 94 $39,070,000 $415,638 $2,554 4.94%
VALLEJO, CA (FHA|USDA|VA) 147 $35,155,000 $239,150 $2,492 5.11%
SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 74 $31,190,000 $421,486 $3,848 4.94%
SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 55 $25,585,000 $465,182 $4,542 4.77%
SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 50 $15,650,000 $313,000 $3,292 4.82%
MODESTO, CA (FHA|USDA|VA) 77 $15,475,000 $200,974 $2,253 5.03%
Outside of Metro Areas 54 $12,640,000 $234,074 $2,601 4.70%
FRESNO, CA (FHA|USDA|VA) 51 $11,905,000 $233,431 $2,507 4.85%
NAPA, CA (FHA|USDA|VA) 36 $11,150,000 $309,722 $4,415 5.03%
Truckee-Grass Valley, CA (FHA|USDA|VA) 15 $5,745,000 $383,000 $3,497 4.72%
MERCED, CA (FHA|USDA|VA) 23 $4,915,000 $213,696 $3,036 4.97%
RENO, NV (FHA|USDA|VA) 14 $3,800,000 $271,429 $462 4.92%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 20 $3,740,000 $187,000 $437 4.91%
CHICO, CA (FHA|USDA|VA) 20 $3,220,000 $161,000 $1,040 4.81%
Sonora, CA (FHA|USDA|VA) 19 $3,065,000 $161,316 $1,359 4.77%
BAKERSFIELD, CA (FHA|USDA|VA) 13 $2,455,000 $188,846 $4,338 5.07%
Clearlake, CA (FHA|USDA|VA) 8 $1,680,000 $210,000 $1,718 5.08%
MADERA, CA (FHA|USDA|VA) 5 $1,545,000 $309,000 $5,353 5.00%
VISALIA, CA (FHA|USDA|VA) 5 $1,175,000 $235,000 $2,642 4.50%
Ukiah, CA (FHA|USDA|VA) 3 $765,000 $255,000 $1,834 4.75%
Gardnerville Ranchos, NV (FHA|USDA|VA) 3 $715,000 $238,333 $553 4.17%
YUBA CITY, CA (FHA|USDA|VA) 5 $665,000 $133,000 $538 5.00%
REDDING, CA (FHA|USDA|VA) 2 $590,000 $295,000 $572 5.00%
Crescent City, CA (FHA|USDA|VA) 3 $475,000 $158,333 $1,673 4.83%
TUCSON, AZ (FHA|USDA|VA) 2 $360,000 $180,000 $1,715 4.06%
JACKSONVILLE, FL (FHA|USDA|VA) 1 $325,000 $325,000 $0 4.75%
Roseburg, OR (FHA|USDA|VA) 2 $240,000 $120,000 $418 3.88%
HANFORD-CORCORAN, CA (FHA|USDA|VA) 2 $200,000 $100,000 $445 5.25%
Red Bluff, CA (FHA|USDA|VA) 2 $190,000 $95,000 $395 5.00%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 1 $105,000 $105,000 $0 4.75%
OCALA, FL (FHA|USDA|VA) 1 $15,000 $15,000 $0 7.50%
Fremont Bank's top markets include San Francisco, Los Angeles, San Jose, Sacramento, and Santa Rosa among others.

Their top states include:
  • California (FHA|USDA|VA)
  • Nevada (FHA|USDA|VA)
  • Arizona (FHA|USDA|VA)
  • Oregon (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 4,451 $2,138,215,000 $480,390 $3,954 4.68%
    HELOC 2,993 $487,455,000 $162,865 n/a 5.48%
    FHA 49 $20,215,000 $412,551 $10,219 4.41%

    For 2018, Fremont Bank's most frequently originated type of loan was Conventional, with 4,451 originations. Their 2nd most popular type was HELOC, with 2,993 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 2,235 $1,061,645,000 $475,009 $5,349 4.87%
    Cash Out Refi 2,142 $790,420,000 $369,010 $3,305 4.99%
    Other 1,259 $205,195,000 $162,983 $2,327 5.32%
    Refi 1,052 $464,650,000 $441,683 $2,704 4.54%
    Home Improvement 805 $123,975,000 $154,006 $1,339 5.43%

    For 2018, Fremont Bank's most frequently cited loan purpose was Home Purchase, with 2,235 originations. The 2nd most popular reason was Cash Out Refi, with 2,142 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 6,677 $2,388,745,000 $357,757 $4,273 5.00%
    Other 421 $77,005,000 $182,910 $0 5.68%
    15 Year 250 $131,000,000 $524,000 $1,787 4.23%
    20 Year 80 $21,820,000 $272,750 $1,206 4.51%
    10 Year 62 $17,780,000 $286,774 $647 3.83%
    1 Year 2 $2,030,000 $1,015,000 $0 5.74%
    3 Year 1 $7,505,000 $7,505,000 $0 4.28%

    For 2018, Fremont Bank's most frequently cited loan duration was 30 Year, with 6,677 originations. The 2nd most popular length was Other, with 421 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 2,218 $952,040,000 $429,234
    $1k-2k 534 $267,890,000 $501,667
    $5k+ 456 $280,510,000 $615,154
    $2k-3k 228 $119,730,000 $525,132
    $3k-4k 155 $85,095,000 $549,000
    $4k-5k 91 $51,685,000 $567,967

    Fremont Bank's average total fees were $4,273, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 2,218 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 4,007 $1,747,335,000 $436,071
    5-6% 2,662 $654,820,000 $245,988
    3-4% 396 $177,830,000 $449,066
    6-7% 362 $54,940,000 $151,768
    7-8% 65 $10,275,000 $158,077
    % 1 $685,000 $685,000

    During 2018, Fremont Bank's average interest rate for loans was 5.00%, while their most frequently originated rate bucket for loans was 4-5%, with 4,007 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 2,104 $596,550,000 $283,531 $2,579 4.94%
    $400k-600k 1,592 $776,190,000 $487,557 $4,496 4.77%
    $100k-200k 1,526 $210,660,000 $138,047 $1,180 5.16%
    $100,000 or less 1,056 $60,270,000 $57,074 $1,761 5.53%
    $600k-1MM 1,039 $723,965,000 $696,790 $5,997 4.71%
    $1MM+ 176 $278,250,000 $1,580,966 $6,810 4.61%

    2018 saw Fremont Bank place emphasis on $200k-400k loans with 2,104 originations, totaling $596,550,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $150k-250k 2,275 $864,295,000 $379,910 $4,749 5.03%
    $100k-150k 2,018 $640,390,000 $317,339 $4,262 4.98%
    $250k+ 1,103 $604,655,000 $548,191 $5,156 5.03%
    $75k-100k 986 $247,860,000 $251,379 $3,166 4.95%
    $50k-75k 761 $147,775,000 $194,185 $2,195 4.93%
    $50k or less 250 $35,610,000 $142,440 $1,638 4.94%

    Fremont Bank lent most frequently to those with incomes in the $150k-250k range, with 2,275 originations. The second most popular income band? $100k-150k, with 2,018 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    30-36% 1,118 $386,450,000 $345,662 $3,952 4.96%
    20-30% 1,015 $344,805,000 $339,709 $3,418 4.86%
    49% 686 $187,200,000 $272,886 $4,250 5.13%
    48% 436 $126,290,000 $289,656 $4,122 5.12%
    42% 407 $194,185,000 $477,113 $4,705 4.92%
    47% 382 $126,400,000 $330,890 $4,302 5.10%
    45% 346 $125,650,000 $363,150 $4,384 5.01%
    46% 329 $110,025,000 $334,422 $4,431 5.09%
    <20% 317 $102,195,000 $322,382 $2,384 4.74%
    40% 308 $124,570,000 $404,448 $4,624 4.99%
    50-60% 296 $59,750,000 $201,858 $6,341 5.50%
    43% 293 $98,705,000 $336,877 $4,258 5.04%
    41% 282 $118,310,000 $419,539 $4,232 4.95%
    39% 281 $115,885,000 $412,402 $4,428 4.88%
    44% 279 $101,705,000 $364,534 $4,091 4.95%
    38% 235 $82,945,000 $352,957 $3,789 4.93%
    36% 212 $73,610,000 $347,217 $3,818 4.92%
    37% 206 $72,540,000 $352,136 $4,214 4.92%
    >60% 11 $2,445,000 $222,273 $2,844 5.85%

    Fremont Bank lent most frequently to those with DTI ratios of 30-36%, with 1,118 originations. The next most common DTI ratio? 20-30%, with 1,015 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 3,168 $1,242,300,000 $392,140 $4,959 4.90%
    Not provided 2,829 $775,155,000 $274,003 $2,379 5.11%
    Asian 1,256 $471,930,000 $375,740 $3,838 4.97%
    Not applicable 51 $90,945,000 $1,783,235 $0 4.82%
    Black 116 $40,160,000 $346,207 $4,597 5.01%
    Native Hawaiian or Islander 28 $8,900,000 $317,857 $3,529 5.12%
    American Indian 17 $4,975,000 $292,647 $3,058 5.01%
    Asian Indian 10 $4,580,000 $458,000 $4,189 5.00%
    Chinese 5 $2,905,000 $581,000 $2,932 4.73%
    Filipino 9 $2,315,000 $257,222 $1,819 5.21%
    Other Asian 2 $1,250,000 $625,000 $7,349 4.75%
    Korean 1 $285,000 $285,000 $0 5.50%
    Other Pacific Islander 1 $185,000 $185,000 $445 4.63%

    Approval Rates

    Total approvals of all applications
    89.76%

    Fremont Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    80.88%

    Fremont Bank has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 7,493 $2,645,885,000 $353,114

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 47 $87,655,000 $1,865,000
    Single Family (1-4 Units):Manufactured 4 $1,050,000 $262,500
    Single Family (1-4 Units):Site-Built 7,442 $2,557,180,000 $343,615

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 1,307 $400,405,000 $306,354 $2,033 5.05%
    40-60% 1,193 $585,935,000 $491,144 $3,334 4.71%
    60-80% 1,911 $1,028,035,000 $537,957 $4,943 4.76%
    80-100% 682 $340,580,000 $499,384 $5,367 4.73%
    Under 20% 2,393 $289,455,000 $120,959 $904 5.37%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Fremont Bank 1480 East 14th Street San Leandro, CA 94577 Full Service B&M $521,357
    Fremont Bank 160 West Santa Clara St - Suite 100 San Jose, CA 95113 Full Service B&M $113,962
    Fremont Bank 1679 Industrial Parkway West Hayward, CA 94544 Full Service B&M $146,062
    Fremont Bank 1735 N. Broadway Walnut Creek, CA 94596 Full Service B&M $278,916
    Fremont Bank 1879 Holmes Street Livermore, CA 94550 Full Service B&M $140,570
    Fremont Bank 200 Sand Creek Road - Suite F Brentwood, CA 94513 Full Service B&M $28,855
    Fremont Bank 200 Townsend Street San Francisco, CA 94105 Full Service B&M $101,218
    Fremont Bank 210 Railroad Avenue Danville, CA 94526 Full Service B&M $218,105
    Fremont Bank 21001 San Ramon Valley Blvd,suite D3 San Ramon, CA 94583 Full Service B&M $56,510
    Fremont Bank 25151 Clawiter Rd Hayward, CA 94545 Full Service Cyber Office $19,504
    Fremont Bank 26356 Carmel Rancho Lane Carmel, CA 93923 Full Service B&M $42,986
    Fremont Bank 32000 Alvarado Boulevard Union City, CA 94587 Full Service B&M $135,852
    Fremont Bank 3549 Castro Valley Boulevard Castro Valley, CA 94546 Full Service B&M $61,900
    Fremont Bank 3866 Fallon Road Dublin, CA 94568 Full Service B&M $111,219
    Fremont Bank 3909a Decoto Road Fremont, CA 94536 Full Service B&M $176,153
    Fremont Bank 39150 Fremont Boulevard Fremont, CA 94538 Full Service B&M $823,924
    Fremont Bank 40031 Mission Boulevard Fremont, CA 94539 Full Service B&M $96,914
    Fremont Bank 46635 Mission Boulevard Fremont, CA 94539 Full Service B&M $143,345
    Fremont Bank 5829 Jarvis Avenue, Suite C Newark, CA 94560 Full Service B&M $46,046
    Fremont Bank 6300 College Avenue, Suite 160 Oakland, CA 94618 Full Service B&M $20,005
    Fremont Bank 6654 Koll Center Parkway, Suite 345 Pleasanton, CA 94566 Full Service B&M $185,743

    For 2018, Fremont Bank had 21 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $161,962
    Net interest income $151,714
    Total noninterest income $46,659
    Gross Fiduciary activities income $1,560
    Service charges on deposit accounts $5,152
    Trading account gains and fees $0
    Additional Noninterest Income $39,947
    Pre-tax net operating income $52,839
    Securities gains (or losses, -) $-53
    Income before extraordinary items $50,916
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $50,916
    Minority interest net income $0
    Net income $50,916
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $50,966

    Fremont Bank's gross interest income from loans was $161,962,000.
    Fremont Bank's net interest income from loans was $151,714,000.
    Fremont Bank's fee based income from loans was $5,152,000.
    Fremont Bank's net income from loans was $50,916,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $10,248
    Provision for credit losses $92
    Total noninterest expense $145,442
    Salaries and employee benefits $85,733
    Premises and equipment expense $17,951
    Additional noninterest expense $41,758
    Applicable income taxes $1,870
    Net charge-offs $2,146
    Cash dividends $33,016

    Fremont Bank's interest expense for loans was $10,248,000.
    Fremont Bank's payroll and benefits expense were $85,733,000.
    Fremont Bank's property, plant and equipment expenses $17,951,000.

    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 $3,586,315
    Deposits held in domestic offices $3,586,315
    Deposits by Individuals, partnerships, and corporations $3,512,835
    Deposits by U.S. Government $1
    Deposits by States and political subdivisions in the U.S. $73,353
    Deposits by Commercial banks and other depository institutions in U.S. $126
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $408,979
    Demand deposits $344,387
    Nontransaction accounts $3,177,336
    Money market deposit accounts (MMDAs) $616,394
    Other savings deposits (excluding MMDAs) $2,366,087
    Total time deposits $194,854
    Total time and savings deposits $3,241,928
    Noninterest-bearing deposits $1,518,194
    Interest-bearing deposits $2,068,121
    Retail deposits $3,521,307
    IRAs and Keogh plan accounts $18,317
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $3,947,468
    Cash & Balances due from depository institutions $224,441
    Interest-bearing balances $165,370
    Total securities $436,043
    Federal funds sold & reverse repurchase $0
    Net loans and leases $3,084,451
    Loan and leases loss allowance $45,916
    Trading account assets $0
    Bank premises and fixed assets $38,563
    Other real estate owned $221
    Goodwill and other intangibles $32,043
    All other assets $131,706

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $3,947,468
    Total Liabilities $3,629,852
    Total deposits $3,586,315
    Interest-bearing deposits $2,068,121
    Deposits held in domestic offices $3,586,315
    % insured (estimated) $45
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $0
    Subordinated debt $0
    All other liabilities $43,537

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $3,084,451
    Loan and leases loss allowance $45,916
    Total loans and leases (domestic) $3,130,367
    All real estate loans $2,831,253
    Real estate loans in domestic offices $2,831,253
    Construction and development loans $60,263
    Residential 1-4 family construction $32,691
    Other construction, all land development and other land $27,572
    Loans secured by nonfarm nonresidential properties $821,371
    Nonfarm nonresidential secured by owner-occupied properties $274,212
    Commercial real estate & other non-farm, non-residential $547,159
    Multifamily residential real estate $206,986
    1-4 family residential loans $1,742,633
    Farmland loans $0
    Loans held in foreign offices $0
    Farm loans $0
    Commercial and industrial loans $284,880
    To non-U.S. addressees $0
    Loans to individuals $3,184
    Credit card loans $78
    Related Plans $877
    Consumer Auto Loans $20
    Other loans to individuals $2,209
    All other loans & leases $11,050
    Loans to foreign governments and official institutions $0
    Other loans $11,050
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $45,065
    Loans secured by real estate to non-U.S. addressees $1,920
    Restructured Loans & leases $13,615
    Non 1-4 family restructured loans & leases $5,409
    Total loans and leases (foreign) $0

    Fremont Bank had $3,084,451,000 of loans outstanding in 2018. $2,831,253,000 of loans were in real estate loans. $60,263,000 of loans were in development loans. $206,986,000 of loans were in multifamily mortgage loans. $1,742,633,000 of loans were in 1-4 family mortgage loans. $0 of loans were in farm loans. $78,000 of loans were in credit card loans. $20,000 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 238 $117,128 $492,134
    Nonfarm, nonresidential loans - $100-250k 16 $2,823 $176,438
    Nonfarm, nonresidential loans - $250k-1MM 222 $114,305 $514,887
    Commercial & Industrial, US addressed loans - <$1MM 845 $135,615 $160,491
    Commercial & Industrial, US addressed loans - <$100k 349 $16,747 $47,986
    Commercial & Industrial, US addressed loans - $100-250k 191 $21,989 $115,126
    Commercial & Industrial, US addressed loans - $250k-1MM 305 $96,879 $317,636