Bank Independent Mortgage Rates, Fees & Info

Sheffield, AL

LEI: 549300A7W1NQ3BYZCB68

Tax ID: 63-0260951

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Mortgage Data

Bank Data

Review & Overview

Bank Independent is a smaller bank specializing in Refi and Home Purchase loans. Bank Independent has a high proportion of conventional loans. They have a low ratio of USDA 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: Florence, Huntsville, Decatur, Daphne, and Albertville among others. We have data for 25 markets. (Some data included below & more in-depth data is available with an active subscription.)

Bank Independent 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. Bank Independent 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) 2.45% 12/7/24
30 Year Conventional Purchase 6.57% 12/7/24
30 Year Conventional Refi 6.86% 12/7/24
30 Year Cash-out Refi 6.49% 12/7/24
30 Year FHA Purchase 7.01% 12/7/24
30 Year FHA Refi 6.27% 12/7/24
30 Year VA Purchase 5.91% 12/7/24
30 Year USDA Purchase 6.44% 12/7/24
15 Year Conventional Purchase 6.01% 12/7/24
15 Year Conventional Refi 7.64% 12/7/24
15 Year Cash-out Refi 7.64% 12/7/24
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.

Bank Independent Mortgage Calculator






Your Estimates

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This is not an official calculator from Bank Independent. 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

1,331

Origination Dollar Volume (All Markets)

$264,095,000

Employee count

585 Show all (5) 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
FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) 680 $106,300,000 $156,324 $3,118 3.78%
HUNTSVILLE, AL (FHA|USDA|VA) 397 $102,205,000 $257,443 $4,366 3.47%
DECATUR, AL (FHA|USDA|VA) 156 $27,630,000 $177,115 $6,654 3.63%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 7 $5,925,000 $846,429 $6,438 3.89%
Outside of Metro Areas 30 $5,320,000 $177,333 $3,269 3.61%
Albertville, AL (FHA|USDA|VA) 7 $3,885,000 $555,000 $6,832 3.64%
Cullman, AL (FHA|USDA|VA) 9 $1,905,000 $211,667 $4,790 3.28%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 5 $1,495,000 $299,000 $5,468 2.90%
Lawrenceburg, TN (FHA|USDA|VA) 9 $1,475,000 $163,889 $3,885 3.17%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 4 $1,300,000 $325,000 $5,995 3.13%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 9 $1,275,000 $141,667 $3,977 3.60%
Scottsboro, AL (FHA|USDA|VA) 3 $1,165,000 $388,333 $4,264 4.16%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 3 $835,000 $278,333 $4,314 2.38%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 1 $515,000 $515,000 $0 2.88%
Tullahoma-Manchester, TN (FHA|USDA|VA) 1 $495,000 $495,000 $6,273 2.13%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 1 $405,000 $405,000 $0 3.25%
Sevierville, TN (FHA|USDA|VA) 1 $385,000 $385,000 $0 3.25%
MOBILE, AL (FHA|USDA|VA) 1 $305,000 $305,000 $5,935 2.88%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 1 $255,000 $255,000 $0 4.29%
PANAMA CITY, FL (FHA|USDA|VA) 1 $235,000 $235,000 $0 4.00%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 1 $205,000 $205,000 $0 3.00%
AUBURN-OPELIKA, AL (FHA|USDA|VA) 1 $175,000 $175,000 $0 4.25%
Tupelo, MS (FHA|USDA|VA) 1 $175,000 $175,000 $0 5.00%
SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) 1 $125,000 $125,000 $0 3.50%
Somerset, PA (FHA|USDA|VA) 1 $105,000 $105,000 $4,078 2.88%
Bank Independent's top markets include Florence, Huntsville, Decatur, Daphne, and Albertville among others.

Their top states include:
  • Alabama (FHA|USDA|VA)
  • Tennessee (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Georgia (FHA|USDA|VA)
  • California (FHA|USDA|VA)
  • Similar Lenders

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

    Florence Federal Credit Union
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 994 $221,830,000 $223,169 $3,525 3.60%
    HELOC 280 $30,130,000 $107,607 n/a 4.01%
    VA 25 $7,185,000 $287,400 $4,993 2.47%
    USDA 18 $2,700,000 $150,000 $4,847 2.49%
    FHA 14 $2,250,000 $160,714 $23,036 2.96%

    For 2021, Bank Independent's most frequently originated type of loan was Conventional, with 994 originations. Their 2nd most popular type was HELOC, with 280 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 589 $122,045,000 $207,207 $2,997 3.82%
    Home Purchase 418 $92,270,000 $220,742 $4,956 3.48%
    Cash Out Refi 153 $29,945,000 $195,719 $4,221 3.00%
    Other 125 $16,175,000 $129,400 $3,157 3.97%
    Home Improvement 46 $3,660,000 $79,565 $1,529 4.18%

    For 2021, Bank Independent's most frequently cited loan purpose was Refi, with 589 originations. The 2nd most popular reason was Home Purchase, with 418 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 538 $126,920,000 $235,911 $4,706 3.08%
    10 Year 315 $44,235,000 $140,429 $1,263 4.05%
    5 Year 214 $33,440,000 $156,262 $1,717 4.53%
    15 Year 103 $17,345,000 $168,398 $3,350 3.08%
    Other 57 $24,115,000 $423,070 $1,532 4.28%
    20 Year 55 $9,825,000 $178,636 $3,310 3.38%
    1 Year 39 $7,175,000 $183,974 $3,769 4.12%
    3 Year 10 $1,040,000 $104,000 $504 4.33%

    For 2021, Bank Independent's most frequently cited loan duration was 30 Year, with 538 originations. The 2nd most popular length was 10 Year, with 315 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 212 $33,600,000 $158,491
    $2k-3k 207 $40,595,000 $196,111
    $1k-2k 147 $23,435,000 $159,422
    $3k-4k 115 $33,205,000 $288,739
    $4k-5k 49 $17,305,000 $353,163
    $5k+ 30 $16,660,000 $555,333

    Bank Independent's average total fees were $4,706, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 212 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 599 $127,225,000 $212,396
    2.5-3% 294 $66,110,000 $224,864
    <2.5% 177 $40,635,000 $229,576
    4-5% 147 $20,125,000 $136,905
    5-6% 87 $8,395,000 $96,494
    6-7% 22 $1,470,000 $66,818
    7-8% 4 $120,000 $30,000
    Over 8% 1 $15,000 $15,000

    During 2021, Bank Independent's average interest rate for loans was 3.08%, while their most frequently originated rate bucket for loans was 3-4%, with 599 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 464 $25,770,000 $55,539 $1,905 4.23%
    $100k-200k 417 $59,355,000 $142,338 $3,276 3.47%
    $200k-400k 319 $88,005,000 $275,878 $5,433 3.21%
    $400k-600k 97 $46,815,000 $482,629 $5,551 3.08%
    $600k-1MM 22 $17,340,000 $788,182 $7,738 3.76%
    $1MM+ 12 $26,810,000 $2,234,167 $6,428 3.61%

    2021 saw Bank Independent place emphasis on $100,000 or less loans with 464 originations, totaling $25,770,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k or less 243 $24,335,000 $100,144 $2,810 3.69%
    $100k-150k 225 $46,995,000 $208,867 $4,158 3.53%
    $50k-75k 197 $26,975,000 $136,929 $3,521 3.47%
    $75k-100k 167 $30,745,000 $184,102 $5,920 3.44%
    $250k+ 158 $41,900,000 $265,190 $4,290 3.86%
    $150k-250k 145 $35,765,000 $246,655 $4,494 3.42%

    Bank Independent lent most frequently to those with incomes in the $50k or less range, with 243 originations. The second most popular income band? $100k-150k, with 225 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 263 $48,525,000 $184,506 $3,756 3.26%
    <20% 173 $25,285,000 $146,156 $3,706 3.39%
    30-36% 151 $28,075,000 $185,927 $3,704 3.41%
    39% 34 $5,850,000 $172,059 $3,629 3.44%
    36% 30 $5,960,000 $198,667 $4,322 3.07%
    41% 27 $5,295,000 $196,111 $3,742 3.21%
    42% 26 $5,750,000 $221,154 $4,565 3.09%
    38% 25 $4,845,000 $193,800 $3,838 3.43%
    37% 24 $5,200,000 $216,667 $18,062 3.05%
    44% 23 $4,835,000 $210,217 $4,012 3.24%
    50-60% 17 $1,905,000 $112,059 $1,869 4.49%
    45% 16 $2,330,000 $145,625 $3,573 3.41%
    47% 16 $4,230,000 $264,375 $4,703 3.15%
    40% 15 $2,875,000 $191,667 $3,927 3.25%
    43% 14 $2,250,000 $160,714 $3,677 3.30%
    46% 12 $1,930,000 $160,833 $3,069 3.62%
    49% 10 $1,990,000 $199,000 $4,377 4.17%
    >60% 8 $860,000 $107,500 $900 4.84%
    48% 6 $1,440,000 $240,000 $3,882 2.91%

    Bank Independent lent most frequently to those with DTI ratios of 20-30%, with 263 originations. The next most common DTI ratio? <20%, with 173 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,043 $187,475,000 $179,746 $3,951 3.58%
    Not applicable 169 $52,825,000 $312,574 $0 4.11%
    Black 59 $11,815,000 $200,254 $4,123 3.70%
    Asian 35 $7,265,000 $207,571 $3,449 3.53%
    American Indian 9 $2,195,000 $243,889 $4,828 2.72%
    Asian Indian 7 $1,085,000 $155,000 $3,178 4.02%
    Not provided 7 $1,005,000 $143,571 $4,951 3.52%
    Other Asian 1 $225,000 $225,000 $0 3.29%
    Vietnamese 1 $205,000 $205,000 $0 3.00%

    Approval Rates

    Total approvals of all applications
    92.10%

    Bank Independent has an average approval rate.

    Pick Rate

    Approvals leading to origination
    72.13%

    Bank Independent has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 1,331 $264,095,000 $198,418

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    1,331 $264,095,000 $198,418

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 158 $16,390,000 $103,734 $2,220 3.92%
    40-60% 179 $33,545,000 $187,402 $3,320 3.64%
    60-80% 469 $114,385,000 $243,891 $3,744 3.58%
    80-100% 379 $87,655,000 $231,280 $4,077 3.42%
    Over 100% 11 $4,945,000 $449,545 $7,640 3.30%
    Under 20% 133 $6,825,000 $51,316 $1,321 4.25%

    Complaints

    Bank Name Product Issue 2021 CPFB Complaints % of Total Issues
    BANKUNITED, NATIONAL ASSOCIATION Conventional home mortgage Trouble during payment process 2 66.7%
    BANKUNITED, NATIONAL ASSOCIATION Other type of mortgage Closing on a mortgage 1 33.3%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Bank Independent 101 South Clinton Street Athens, AL 35611 Full Service B&M $62,752
    Bank Independent 102 Bank Street Rogersville, AL 35652 Full Service B&M $71,610
    Bank Independent 102 Second Avenue Southeast Decatur, AL 35601 Full Service B&M $87,781
    Bank Independent 1081 Highway 72 Killen, AL 35645 Full Service B&M $83,722
    Bank Independent 1109 Avalon Avenue Muscle Shoals, AL 35661 Full Service B&M $130,264
    Bank Independent 11250 Highway 101 Lexington, AL 35648 Full Service B&M $30,325
    Bank Independent 117 4th Avenue Southeast Red Bay, AL 35582 Full Service B&M $20,287
    Bank Independent 119 North Main Street Tuscumbia, AL 35674 Full Service B&M $82,143
    Bank Independent 123 Northside Square, Suite 300 Huntsville, AL 35801 Limited, Drive-thru $0
    Bank Independent 132 Holmes Ave Nw Huntsville, AL 35801 Full Service B&M $87,698
    Bank Independent 13566 Highway 43 Russellville, AL 35653 Full Service B&M $56,462
    Bank Independent 1425 Beltline Road Sw Decatur, AL 35603 Full Service B&M $42,788
    Bank Independent 15259 Court Street Moulton, AL 35650 Full Service B&M $122,119
    Bank Independent 1701 Darby Drive Florence, AL 35630 Full Service B&M $43,699
    Bank Independent 200 N. Commons East Tuscumbia, AL 35674 Limited, Drive-thru $0
    Bank Independent 210 South Pine Street Florence, AL 35630 Full Service B&M $179,601
    Bank Independent 22015 Highway 72 East Athens, AL 35613 Full Service B&M $81,138
    Bank Independent 22899 Al Highway 24 Moulton, AL 35650 Full Service B&M $35,371
    Bank Independent 2606 Hwy 31 Decatur, AL 35603 Full Service B&M $80,349
    Bank Independent 2902 Florence Boulevard Florence, AL 35630 Full Service B&M $28,639
    Bank Independent 360 Alabama Street Courtland, AL 35618 Full Service B&M $12,700
    Bank Independent 401 North Jackson Avenue Russellville, AL 35653 Full Service B&M $18,042
    Bank Independent 426 Veterans Drive Florence, AL 35630 Limited, Mobile/Seasonal Office $12,135
    Bank Independent 710 South Montgomery Avenue Sheffield, AL 35660 Full Service B&M $259,078
    Bank Independent 729 East Second Street Sheffield, AL 35660 Limited, Drive-thru $0
    Bank Independent 7564 Highway 72 West Ste A1 Madison, AL 35758 Full Service B&M $15,207
    Bank Independent 8260 Hwy 72 West Cherokee, AL 35616 Full Service B&M $6,961
    Bank Independent 863 Cox Creek Parkway Florence, AL 35630 Full Service B&M $79,118
    Bank Independent 8720 Main Street Leighton, AL 35646 Full Service B&M $17,767
    Bank Independent 902 U.S. Highway 31, North Hartselle, AL 35640 Full Service B&M $58,067

    For 2021, Bank Independent had 30 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $88,594
    Net interest income $81,627
    Total noninterest income $22,931
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $6,976
    Trading account gains and fees $0
    Additional Noninterest Income $15,955
    Pre-tax net operating income $24,258
    Securities gains (or losses, -) $129
    Income before extraordinary items $19,638
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $19,638
    Minority interest net income $0
    Net income $19,638
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $19,533

    Bank Independent's gross interest income from loans was $88,594,000.
    Bank Independent's net interest income from loans was $81,627,000.
    Bank Independent's fee based income from loans was $6,976,000.
    Bank Independent's net income from loans was $19,638,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $6,967
    Provision for credit losses $950
    Total noninterest expense $79,350
    Salaries and employee benefits $50,940
    Premises and equipment expense $13,466
    Additional noninterest expense $14,944
    Applicable income taxes $4,749
    Net charge-offs $1,911
    Cash dividends $5,004

    Bank Independent's interest expense for loans was $6,967,000.
    Bank Independent's payroll and benefits expense were $50,940,000.
    Bank Independent's property, plant and equipment expenses $13,466,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 0.0%
    Real Estate loans 1.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 2.0%
    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 0.5%
    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 $1,918,616
    Deposits held in domestic offices $1,918,616
    Deposits by Individuals, partnerships, and corporations $1,765,171
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $149,447
    Deposits by Commercial banks and other depository institutions in U.S. $3,997
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $195,373
    Demand deposits $157,089
    Nontransaction accounts $1,723,242
    Money market deposit accounts (MMDAs) $297,528
    Other savings deposits (excluding MMDAs) $1,079,105
    Total time deposits $346,610
    Total time and savings deposits $1,761,526
    Noninterest-bearing deposits $538,968
    Interest-bearing deposits $1,379,648
    Retail deposits $1,855,028
    IRAs and Keogh plan accounts $59,814
    Brokered deposits $14,357
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $2,229,522
    Cash & Balances due from depository institutions $523,766
    Interest-bearing balances $486,637
    Total securities $258,452
    Federal funds sold & reverse repurchase $0
    Net loans and leases $1,313,633
    Loan and leases loss allowance $16,660
    Trading account assets $0
    Bank premises and fixed assets $54,551
    Other real estate owned $855
    Goodwill and other intangibles $23,764
    All other assets $54,501

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $2,229,522
    Total Liabilities $2,043,762
    Total deposits $1,918,616
    Interest-bearing deposits $1,379,648
    Deposits held in domestic offices $1,918,616
    % insured (estimated) $83
    Federal funds purchased and repurchase agreements $21,838
    Trading liabilities $0
    Other borrowed funds $65,000
    Subordinated debt $0
    All other liabilities $38,308

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $1,313,633
    Loan and leases loss allowance $16,660
    Total loans and leases (domestic) $1,330,293
    All real estate loans $985,042
    Real estate loans in domestic offices $985,042
    Construction and development loans $179,851
    Residential 1-4 family construction $44,568
    Other construction, all land development and other land $135,283
    Loans secured by nonfarm nonresidential properties $413,838
    Nonfarm nonresidential secured by owner-occupied properties $192,973
    Commercial real estate & other non-farm, non-residential $220,865
    Multifamily residential real estate $88,615
    1-4 family residential loans $293,652
    Farmland loans $9,086
    Loans held in foreign offices $0
    Farm loans $1,071
    Commercial and industrial loans $322,297
    To non-U.S. addressees $0
    Loans to individuals $19,214
    Credit card loans $830
    Related Plans $106
    Consumer Auto Loans $4,715
    Other loans to individuals $13,563
    All other loans & leases $2,669
    Loans to foreign governments and official institutions $0
    Other loans $2,404
    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 $0
    Non 1-4 family restructured loans & leases $0
    Total loans and leases (foreign) $0

    Bank Independent had $1,313,633,000 of loans outstanding in 2021. $985,042,000 of loans were in real estate loans. $179,851,000 of loans were in development loans. $88,615,000 of loans were in multifamily mortgage loans. $293,652,000 of loans were in 1-4 family mortgage loans. $1,071,000 of loans were in farm loans. $830,000 of loans were in credit card loans. $4,715,000 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 486 $96,950 $199,486
    Nonfarm, nonresidential loans - <$100k 116 $4,671 $40,267
    Nonfarm, nonresidential loans - $100-250k 176 $20,550 $116,761
    Nonfarm, nonresidential loans - $250k-1MM 194 $71,729 $369,737
    Commercial & Industrial, US addressed loans - <$1MM 41,577 $277,385 $6,672
    Commercial & Industrial, US addressed loans - <$100k 41,339 $236,990 $5,733
    Commercial & Industrial, US addressed loans - $100-250k 151 $13,288 $88,000
    Commercial & Industrial, US addressed loans - $250k-1MM 87 $27,107 $311,575
    Farmland loans - <$1MM 20 $1,662 $83,100
    Farmland loans - <$100k 8 $291 $36,375
    Farmland loans - $100-250k 6 $581 $96,833
    Farmland loans - $250k-1MM 6 $790 $131,667
    Agriculture operations loans - <$1MM 6 $1,070 $178,333
    Agriculture operations loans - <$100k 1 $11 $11,000
    Agriculture operations loans - $100-250k 2 $376 $188,000
    Agriculture operations loans - $250k-1MM 3 $683 $227,667