Home State Bank Mortgage Rates, Fees & Info

Crystal Lake, IL

LEI: 549300AUFLERO59VGC71

Tax ID: 36-1232000

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Mortgage Data

Bank Data

Review & Overview

Home State Bank is a smaller bank specializing in Home Purchase and Refi loans. Home State Bank has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Chicago, Racine, Miami, Whitewater, and Milwaukee among others. We have data for 57 markets. (Some data included below & more in-depth data is available with an active subscription.)

Home State 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. Home State 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
30 Year Conventional Purchase 6.61% 3/28/24
30 Year Conventional Refi 6.47% 3/28/24
30 Year Cash-out Refi 6.45% 3/28/24
30 Year FHA Purchase 7.42% 3/28/24
30 Year FHA Refi 6.87% 3/28/24
30 Year VA Purchase 6.34% 3/28/24
30 Year USDA Purchase 6.84% 3/28/24
15 Year Conventional Purchase 5.92% 3/28/24
15 Year Conventional Refi 5.78% 3/28/24
15 Year Cash-out Refi 5.78% 3/28/24
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.

Home State Bank Mortgage Calculator






Your Estimates

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

This is not an official calculator from Home State 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

892

Origination Dollar Volume (All Markets)

$230,670,000

Employee count

167

Awards

Home State Bank 30 Year Conventional Loans gold Home State Bank FHA Loans gold Home State Bank FHA 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
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 695 $178,465,000 $256,784 $3,983 4.15%
RACINE, WI (FHA|USDA|VA) 45 $8,585,000 $190,778 $3,202 4.10%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 28 $8,340,000 $297,857 $3,862 4.30%
Whitewater, WI (FHA|USDA|VA) 21 $6,755,000 $321,667 $2,929 4.36%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 13 $3,005,000 $231,154 $2,807 4.25%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 5 $1,955,000 $391,000 $3,610 3.95%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 4 $1,630,000 $407,500 $4,191 3.72%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 2 $1,450,000 $725,000 $5,060 4.31%
Outside of Metro Areas 8 $1,280,000 $160,000 $2,577 4.38%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 5 $1,125,000 $225,000 $3,312 4.17%
COLUMBUS, OH (FHA|USDA|VA) 2 $930,000 $465,000 $3,134 4.38%
Freeport, IL (FHA|USDA|VA) 1 $775,000 $775,000 $0 5.50%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 2 $750,000 $375,000 $4,531 4.69%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 2 $740,000 $370,000 $4,235 4.31%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 2 $740,000 $370,000 $2,930 4.13%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 2 $740,000 $370,000 $3,895 4.38%
BOULDER, CO (FHA|USDA|VA) 2 $720,000 $360,000 $3,472 3.69%
ROCKFORD, IL (FHA|USDA|VA) 6 $700,000 $116,667 $2,816 4.56%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 2 $670,000 $335,000 $4,121 4.31%
SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 2 $600,000 $300,000 $2,632 4.38%
NILES, MI (FHA|USDA|VA) 1 $485,000 $485,000 $3,815 3.75%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 1 $475,000 $475,000 $3,678 4.00%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 2 $470,000 $235,000 $4,305 4.50%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 1 $445,000 $445,000 $3,806 4.13%
MADISON, WI (FHA|USDA|VA) 2 $440,000 $220,000 $2,695 4.25%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 1 $415,000 $415,000 $3,691 4.00%
KNOXVILLE, TN (FHA|USDA|VA) 1 $405,000 $405,000 $3,745 3.99%
PUNTA GORDA, FL (FHA|USDA|VA) 1 $405,000 $405,000 $2,574 4.75%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 1 $395,000 $395,000 $3,272 4.00%
KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 1 $395,000 $395,000 $3,232 4.50%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 1 $375,000 $375,000 $3,444 3.50%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 1 $375,000 $375,000 $2,786 3.49%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 1 $365,000 $365,000 $3,675 3.88%
Brainerd, MN (FHA|USDA|VA) 1 $355,000 $355,000 $3,992 3.99%
Okeechobee, FL (FHA|USDA|VA) 1 $345,000 $345,000 $2,776 4.63%
Shelton, WA (FHA|USDA|VA) 2 $340,000 $170,000 $3,125 4.31%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 1 $325,000 $325,000 $3,083 3.75%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 1 $325,000 $325,000 $3,033 3.13%
PORT ST. LUCIE, FL (FHA|USDA|VA) 2 $300,000 $150,000 $5,957 4.13%
Gainesville, TX (FHA|USDA|VA) 1 $295,000 $295,000 $2,402 4.63%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 2 $280,000 $140,000 $3,212 3.81%
RAPID CITY, SD (FHA|USDA|VA) 1 $245,000 $245,000 $2,914 4.38%
Pontiac, IL (FHA|USDA|VA) 2 $240,000 $120,000 $2,854 4.19%
Coldwater, MI (FHA|USDA|VA) 1 $235,000 $235,000 $2,831 3.99%
KANSAS CITY, MO-KS (FHA|USDA|VA) 1 $235,000 $235,000 $2,732 4.50%
MADERA, CA (FHA|USDA|VA) 1 $225,000 $225,000 $4,473 4.38%
Aberdeen, WA (FHA|USDA|VA) 1 $205,000 $205,000 $3,672 4.38%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 1 $205,000 $205,000 $0 3.00%
Ottawa, IL (FHA|USDA|VA) 1 $185,000 $185,000 $0 5.63%
ST. LOUIS, MO-IL (FHA|USDA|VA) 1 $175,000 $175,000 $5,807 3.38%
EAU CLAIRE, WI (FHA|USDA|VA) 1 $155,000 $155,000 $2,262 3.88%
KANKAKEE, IL (FHA|USDA|VA) 1 $135,000 $135,000 $2,550 4.00%
Shawano, WI (FHA|USDA|VA) 1 $115,000 $115,000 $2,355 3.88%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 1 $115,000 $115,000 $3,002 4.75%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 1 $95,000 $95,000 $4,048 3.99%
Corsicana, TX (FHA|USDA|VA) 1 $75,000 $75,000 $0 5.00%
APPLETON, WI (FHA|USDA|VA) 1 $65,000 $65,000 $2,367 6.13%
Home State Bank's top markets include Chicago, Racine, Miami, Whitewater, and Milwaukee among others.

Their top states include:
  • Illinois (FHA|USDA|VA)
  • Wisconsin (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • California (FHA|USDA|VA)
  • Colorado (FHA|USDA|VA)
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 816 $212,230,000 $260,086 $3,440 4.19%
    FHA 75 $18,295,000 $243,933 $7,768 3.90%
    USDA 1 $145,000 $145,000 $6,018 4.13%

    For 2019, Home State Bank's most frequently originated type of loan was Conventional, with 816 originations. Their 2nd most popular type was FHA, with 75 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 493 $120,855,000 $245,142 $4,765 4.23%
    Refi 294 $86,250,000 $293,367 $2,779 4.12%
    Cash Out Refi 100 $23,130,000 $231,300 $2,607 3.91%
    Home Improvement 4 $330,000 $82,500 $1,171 5.00%
    Other 1 $105,000 $105,000 $0 6.25%

    For 2019, Home State Bank's most frequently cited loan purpose was Home Purchase, with 493 originations. The 2nd most popular reason was Refi, with 294 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 713 $186,235,000 $261,199 $4,051 4.18%
    15 Year 72 $16,080,000 $223,333 $2,661 3.61%
    5 Year 41 $14,585,000 $355,732 $0 5.03%
    20 Year 39 $10,085,000 $258,590 $2,773 3.83%
    10 Year 15 $1,305,000 $87,000 $1,870 4.25%
    Other 7 $875,000 $125,000 $1,280 4.97%
    30+ year 2 $620,000 $310,000 $8,011 4.63%
    1 Year 2 $790,000 $395,000 $0 5.90%
    3 Year 1 $95,000 $95,000 $0 6.00%

    For 2019, Home State Bank's most frequently cited loan duration was 30 Year, with 713 originations. The 2nd most popular length was 15 Year, with 72 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 765 $201,515,000 $263,418
    $<1k 20 $290,000 $14,500
    $2k-3k 15 $2,625,000 $175,000
    $3k-4k 5 $1,355,000 $271,000
    $4k-5k 3 $935,000 $311,667
    $5k+ 1 $505,000 $505,000

    Home State Bank's average total fees were $4,051, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 765 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 430 $109,800,000 $255,349
    4-5% 371 $103,785,000 $279,744
    5-6% 64 $15,420,000 $240,938
    6-7% 8 $1,120,000 $140,000
    2.5-3% 3 $445,000 $148,333
    <2.5% 1 $5,000 $5,000

    During 2019, Home State Bank's average interest rate for loans was 4.18%, while their most frequently originated rate bucket for loans was 3-4%, with 430 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 404 $114,330,000 $282,995 $4,159 4.12%
    $100k-200k 267 $40,125,000 $150,281 $3,488 4.13%
    $400k-600k 120 $55,060,000 $458,833 $3,578 4.14%
    $100,000 or less 84 $5,040,000 $60,000 $3,351 4.44%
    $600k-1MM 12 $9,070,000 $755,833 $4,785 4.47%
    $1MM+ 5 $7,045,000 $1,409,000 $0 4.89%

    2019 saw Home State Bank place emphasis on $200k-400k loans with 404 originations, totaling $114,330,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 206 $56,480,000 $274,175 $3,719 4.08%
    $50k-75k 165 $27,205,000 $164,879 $3,973 4.07%
    $150k-250k 162 $56,880,000 $351,111 $3,496 4.14%
    $75k-100k 159 $35,595,000 $223,868 $3,964 4.18%
    $50k or less 92 $10,990,000 $119,457 $4,039 4.10%
    $250k+ 63 $24,895,000 $395,159 $3,671 4.17%

    Home State Bank lent most frequently to those with incomes in the $100k-150k range, with 206 originations. The second most popular income band? $50k-75k, with 165 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 179 $47,995,000 $268,128 $3,352 3.99%
    30-36% 163 $42,255,000 $259,233 $3,732 4.17%
    <20% 57 $14,115,000 $247,632 $3,208 3.95%
    44% 55 $12,825,000 $233,182 $3,731 4.19%
    42% 39 $9,605,000 $246,282 $3,946 4.24%
    41% 36 $9,990,000 $277,500 $3,824 4.24%
    49% 34 $7,590,000 $223,235 $4,641 3.98%
    43% 33 $8,375,000 $253,788 $4,181 4.05%
    40% 32 $7,480,000 $233,750 $4,179 4.21%
    37% 31 $6,085,000 $196,290 $3,672 4.20%
    46% 30 $6,890,000 $229,667 $4,759 4.11%
    36% 29 $6,265,000 $216,034 $3,676 4.13%
    38% 27 $6,475,000 $239,815 $3,284 4.17%
    39% 27 $6,995,000 $259,074 $3,883 4.34%
    48% 27 $7,555,000 $279,815 $4,837 3.95%
    47% 25 $6,155,000 $246,200 $3,600 4.41%
    45% 14 $3,460,000 $247,143 $4,384 4.06%
    50-60% 6 $1,620,000 $270,000 $6,901 4.17%

    Home State Bank lent most frequently to those with DTI ratios of 20-30%, with 179 originations. The next most common DTI ratio? 30-36%, with 163 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 775 $193,645,000 $249,865 $3,725 4.12%
    Not applicable 26 $11,980,000 $460,769 $0 5.35%
    Asian 42 $10,830,000 $257,857 $4,448 4.08%
    Not provided 32 $9,590,000 $299,688 $4,917 4.11%
    Black 16 $4,130,000 $258,125 $5,694 4.33%
    Vietnamese 1 $495,000 $495,000 $0 5.25%

    Approval Rates

    Total approvals of all applications
    95.93%

    Home State 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
    91.82%

    Home State Bank has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 892 $230,670,000 $258,599

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 15 $11,335,000 $755,667
    Single Family (1-4 Units):Site-Built 877 $219,335,000 $250,097

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 33 $5,275,000 $159,848 $2,768 4.11%
    40-60% 94 $21,960,000 $233,617 $2,874 4.12%
    60-80% 347 $99,025,000 $285,375 $3,191 4.13%
    80-100% 386 $100,680,000 $260,829 $4,606 4.20%
    Over 100% 1 $245,000 $245,000 $1,772 4.88%
    Under 20% 20 $470,000 $23,500 $1,756 4.13%

    Complaints

    Bank Name Product Issue 2019 CPFB Complaints % of Total Issues
    HOMESTEAD FUNDING CORPORATION Reverse mortgage Closing on a mortgage 1 100.0%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Home State Bank, National Association 124 Johnson Street Woodstock, IL 60098 Full Service B&M $46,352
    Home State Bank, National Association 3500 Diamond Drive Mchenry, IL 60050 Full Service B&M $22,811
    Home State Bank, National Association 40 Grant Street Crystal Lake, IL 60014 Limited, Mobile/Seasonal Office $0
    Home State Bank, National Association 40 Grant Street Crystal Lake, IL 60014 Full Service B&M $302,150
    Home State Bank, National Association 4401 Prime Parkway Mchenry, IL 60050 Limited, Drive-thru $23,376
    Home State Bank, National Association Randall Road And Acorn Lane Lake In The Hills, IL 60102 Full Service B&M $58,738
    Home State Bank, National Association Route 14 And Main Street Crystal Lake, IL 60014 Full Service B&M $49,942

    For 2019, Home State Bank had 7 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $25,413
    Net interest income $22,116
    Total noninterest income $10,597
    Gross Fiduciary activities income $1,154
    Service charges on deposit accounts $2,178
    Trading account gains and fees $0
    Additional Noninterest Income $7,265
    Pre-tax net operating income $6,111
    Securities gains (or losses, -) $0
    Income before extraordinary items $6,111
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $6,111
    Minority interest net income $0
    Net income $6,111
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $6,111

    Home State Bank's gross interest income from loans was $25,413,000.
    Home State Bank's net interest income from loans was $22,116,000.
    Home State Bank's fee based income from loans was $2,178,000.
    Home State Bank's net income from loans was $6,111,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $3,297
    Provision for credit losses $509
    Total noninterest expense $26,093
    Salaries and employee benefits $15,172
    Premises and equipment expense $2,170
    Additional noninterest expense $8,751
    Applicable income taxes $0
    Net charge-offs $806
    Cash dividends $4,925

    Home State Bank's interest expense for loans was $3,297,000.
    Home State Bank's payroll and benefits expense were $15,172,000.
    Home State Bank's property, plant and equipment expenses $2,170,000.

    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 1.0%
    HELOC loans 1.0%
    All other family 1.0%
    Commercial & industrial loans 1.0%
    Personal loans 6.0%
    Credit card loans 0.0%
    Other individual loans 6.0%
    Auto loans 0.0%
    Other consumer loans 13.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $520,869
    Deposits held in domestic offices $520,869
    Deposits by Individuals, partnerships, and corporations $494,302
    Deposits by U.S. Government $2
    Deposits by States and political subdivisions in the U.S. $26,565
    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 $45,223
    Demand deposits $43,243
    Nontransaction accounts $475,646
    Money market deposit accounts (MMDAs) $132,083
    Other savings deposits (excluding MMDAs) $221,268
    Total time deposits $122,295
    Total time and savings deposits $477,626
    Noninterest-bearing deposits $143,455
    Interest-bearing deposits $377,414
    Retail deposits $494,184
    IRAs and Keogh plan accounts $21,857
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $614,990
    Cash & Balances due from depository institutions $46,358
    Interest-bearing balances $37,934
    Total securities $124,882
    Federal funds sold & reverse repurchase $0
    Net loans and leases $399,049
    Loan and leases loss allowance $4,564
    Trading account assets $0
    Bank premises and fixed assets $16,351
    Other real estate owned $8,363
    Goodwill and other intangibles $3,093
    All other assets $16,894

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $614,990
    Total Liabilities $536,907
    Total deposits $520,869
    Interest-bearing deposits $377,414
    Deposits held in domestic offices $520,869
    % insured (estimated) $80
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $10,000
    Subordinated debt $0
    All other liabilities $6,038

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $399,049
    Loan and leases loss allowance $4,564
    Total loans and leases (domestic) $403,613
    All real estate loans $356,644
    Real estate loans in domestic offices $356,644
    Construction and development loans $37,493
    Residential 1-4 family construction $9,300
    Other construction, all land development and other land $28,193
    Loans secured by nonfarm nonresidential properties $165,902
    Nonfarm nonresidential secured by owner-occupied properties $80,927
    Commercial real estate & other non-farm, non-residential $84,975
    Multifamily residential real estate $13,849
    1-4 family residential loans $139,400
    Farmland loans $0
    Loans held in foreign offices $0
    Farm loans $50
    Commercial and industrial loans $40,620
    To non-U.S. addressees $0
    Loans to individuals $4,167
    Credit card loans $0
    Related Plans $99
    Consumer Auto Loans $2,038
    Other loans to individuals $2,030
    All other loans & leases $2,319
    Loans to foreign governments and official institutions $0
    Other loans $254
    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 $696
    Non 1-4 family restructured loans & leases $442
    Total loans and leases (foreign) $0

    Home State Bank had $399,049,000 of loans outstanding in 2019. $356,644,000 of loans were in real estate loans. $37,493,000 of loans were in development loans. $13,849,000 of loans were in multifamily mortgage loans. $139,400,000 of loans were in 1-4 family mortgage loans. $50,000 of loans were in farm loans. $0 of loans were in credit card loans. $2,038,000 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 209 $52,963 $253,411
    Nonfarm, nonresidential loans - <$100k 22 $1,000 $45,455
    Nonfarm, nonresidential loans - $100-250k 59 $8,439 $143,034
    Nonfarm, nonresidential loans - $250k-1MM 128 $43,524 $340,031
    Commercial & Industrial, US addressed loans - <$1MM 268 $20,406 $76,142
    Commercial & Industrial, US addressed loans - <$100k 130 $2,516 $19,354
    Commercial & Industrial, US addressed loans - $100-250k 57 $4,014 $70,421
    Commercial & Industrial, US addressed loans - $250k-1MM 81 $13,876 $171,309
    Agriculture operations loans - <$1MM 1 $50 $50,000
    Agriculture operations loans - <$100k 1 $50 $50,000