Cache Valley Bank Mortgage Rates, Fees & Info

Logan, UT

LEI: 549300CM7HYHZ1MEJ624

Tax ID: 87-0310100

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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    • Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • 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

    Cache Valley Bank is a smaller bank specializing in Home Purchase and Refi loans. Cache Valley Bank 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: Logan, Ogden, St. George, Provo, and Salt Lake City among others. We have data for 29 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Cache Valley 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. Cache Valley 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 6.48% 12/3/24
    30 Year Conventional Refi 6.33% 12/3/24
    30 Year Cash-out Refi 6.52% 12/3/24
    30 Year FHA Purchase 7.06% 12/3/24
    30 Year VA Purchase 5.92% 12/3/24
    30 Year USDA Purchase 6.40% 12/3/24
    15 Year Conventional Purchase 6.18% 12/3/24
    15 Year Conventional Refi 6.01% 12/3/24
    15 Year Cash-out Refi 6.01% 12/3/24
    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.

    Cache Valley Bank Mortgage Calculator






    Your Estimates

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

    This is not an official calculator from Cache Valley 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

    749

    Origination Dollar Volume (All Markets)

    $199,985,000

    Employee count

    249 Show all (8) 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
    LOGAN, UT-ID (FHA|USDA|VA) 329 $90,945,000 $276,429 $2,957 4.17%
    OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 129 $34,625,000 $268,411 $2,908 4.19%
    ST. GEORGE, UT (FHA|USDA|VA) 122 $33,340,000 $273,279 $2,651 4.40%
    Outside of Metro Areas 84 $18,050,000 $214,881 $2,905 4.57%
    PROVO-OREM, UT (FHA|USDA|VA) 30 $7,730,000 $257,667 $3,207 4.26%
    SALT LAKE CITY, UT (FHA|USDA|VA) 16 $5,080,000 $317,500 $2,786 4.05%
    Cedar City, UT (FHA|USDA|VA) 6 $1,410,000 $235,000 $2,268 4.29%
    BOISE CITY, ID (FHA|USDA|VA) 4 $1,390,000 $347,500 $3,161 3.96%
    Evanston, WY (FHA|USDA|VA) 3 $825,000 $275,000 $1,315 5.04%
    PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 1 $805,000 $805,000 $7,795 4.00%
    Price, UT (FHA|USDA|VA) 4 $600,000 $150,000 $2,873 5.15%
    Heber, UT (FHA|USDA|VA) 2 $520,000 $260,000 $4,041 4.18%
    LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 3 $465,000 $155,000 $3,710 4.54%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 1 $415,000 $415,000 $7,944 4.50%
    KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 1 $415,000 $415,000 $3,128 3.63%
    COLUMBUS, OH (FHA|USDA|VA) 1 $385,000 $385,000 $6,686 3.63%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 1 $355,000 $355,000 $0 6.00%
    Newport, OR (FHA|USDA|VA) 1 $315,000 $315,000 $6,107 4.25%
    Rock Springs, WY (FHA|USDA|VA) 1 $315,000 $315,000 $2,260 3.88%
    RENO, NV (FHA|USDA|VA) 1 $305,000 $305,000 $4,646 4.99%
    BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 1 $295,000 $295,000 $1,607 4.13%
    Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 1 $265,000 $265,000 $413 3.63%
    Outside of Metro Areas 1 $225,000 $225,000 $373 4.63%
    Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 1 $195,000 $195,000 $3,475 3.50%
    MONROE, LA (FHA|USDA|VA) 1 $175,000 $175,000 $3,706 4.75%
    ST. LOUIS, MO-IL (FHA|USDA|VA) 1 $175,000 $175,000 $1,827 3.50%
    TUCSON, AZ (FHA|USDA|VA) 1 $165,000 $165,000 $105 3.25%
    POCATELLO, ID (FHA|USDA|VA) 1 $105,000 $105,000 $0 4.88%
    IDAHO FALLS, ID (FHA|USDA|VA) 1 $95,000 $95,000 $0 5.50%
    Cache Valley Bank's top markets include Logan, Ogden, St. George, Provo, and Salt Lake City among others.

    Their top states include:
  • Utah (FHA|USDA|VA)
  • Idaho (FHA|USDA|VA)
  • Washington (FHA|USDA|VA)
  • Wyoming (FHA|USDA|VA)
  • Nevada (FHA|USDA|VA)

    • Similar Lenders

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

    State Bank of Southern Utah
    Similarity Rank: 189
    Jordan Federal Credit Union
    Similarity Rank: 245
    WEBER STATE FEDERAL CREDIT UNION
    Similarity Rank: 329
    CHARTWAY FEDERAL CREDIT UNION
    Similarity Rank: 470
    ADVANTAGE PLUS
    Similarity Rank: 833
    Wasatch Peaks Federal Credit Union
    Similarity Rank: 900
    HOMEAMERICAN MORTGAGE CORPORATION
    Similarity Rank: 1598
    West Gate Bank
    Similarity Rank: 1925
    SUN AMERICAN MORTGAGE COMPANY
    Similarity Rank: 2109
    CYPRUS Federal Credit Union
    Similarity Rank: 2565

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 706 $188,720,000 $267,309 $2,830 4.30%
    USDA 21 $4,795,000 $228,333 $2,404 3.74%
    FHA 12 $3,280,000 $273,333 $5,766 3.77%
    VA 10 $3,190,000 $319,000 $5,172 3.82%

    For 2019, Cache Valley Bank's most frequently originated type of loan was Conventional, with 706 originations. Their 2nd most popular type was USDA, with 21 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 453 $124,245,000 $274,272 $3,144 4.27%
    Refi 194 $53,600,000 $276,289 $2,488 4.20%
    Cash Out Refi 93 $21,285,000 $228,871 $2,735 4.15%
    Home Improvement 5 $615,000 $123,000 $0 6.95%
    Other 4 $240,000 $60,000 $375 6.63%

    For 2019, Cache Valley Bank's most frequently cited loan purpose was Home Purchase, with 453 originations. The 2nd most popular reason was Refi, with 194 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 607 $171,715,000 $282,891 $3,004 4.15%
    15 Year 65 $13,935,000 $214,385 $2,558 3.89%
    20 Year 32 $5,780,000 $180,625 $2,386 5.19%
    Other 17 $3,295,000 $193,824 $1,366 5.70%
    1 Year 13 $2,395,000 $184,231 $641 6.37%
    3 Year 7 $1,495,000 $213,571 $2,212 4.82%
    5 Year 5 $995,000 $199,000 $134 5.72%
    10 Year 2 $220,000 $110,000 $1,309 4.75%
    30+ year 1 $155,000 $155,000 $1,042 3.63%

    For 2019, Cache Valley Bank's most frequently cited loan duration was 30 Year, with 607 originations. The 2nd most popular length was 15 Year, with 65 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 325 $83,885,000 $258,108
    $1k-2k 140 $35,550,000 $253,929
    $2k-3k 87 $27,535,000 $316,494
    $3k-4k 41 $15,555,000 $379,390
    $4k-5k 13 $5,925,000 $455,769
    $5k+ 9 $5,605,000 $622,778

    Cache Valley Bank's average total fees were $3,004, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 325 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 355 $101,665,000 $286,380
    4-5% 316 $83,300,000 $263,608
    5-6% 56 $11,680,000 $208,571
    6-7% 15 $1,855,000 $123,667
    7-8% 4 $380,000 $95,000
    2.5-3% 3 $1,105,000 $368,333

    During 2019, Cache Valley Bank's average interest rate for loans was 4.15%, while their most frequently originated rate bucket for loans was 3-4%, with 355 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 387 $109,015,000 $281,693 $2,893 4.12%
    $100k-200k 208 $32,570,000 $156,587 $2,028 4.47%
    $400k-600k 101 $45,675,000 $452,228 $4,137 4.09%
    $100,000 or less 40 $2,720,000 $68,000 $1,394 5.04%
    $600k-1MM 12 $8,610,000 $717,500 $5,988 4.45%
    $1MM+ 1 $1,395,000 $1,395,000 $15,781 4.50%

    2019 saw Cache Valley Bank place emphasis on $200k-400k loans with 387 originations, totaling $109,015,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 193 $54,495,000 $282,358 $3,212 4.22%
    $50k-75k 161 $37,085,000 $230,342 $2,490 4.17%
    $75k-100k 129 $35,065,000 $271,822 $3,035 4.11%
    $50k or less 81 $13,365,000 $165,000 $2,030 4.32%
    $250k+ 79 $27,275,000 $345,253 $3,779 4.43%
    $150k-250k 68 $23,240,000 $341,765 $3,883 4.27%

    Cache Valley Bank lent most frequently to those with incomes in the $100k-150k range, with 193 originations. The second most popular income band? $50k-75k, with 161 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 168 $45,840,000 $272,857 $2,685 4.17%
    30-36% 146 $38,990,000 $267,055 $2,701 4.13%
    <20% 86 $21,730,000 $252,674 $3,182 4.06%
    40% 33 $9,225,000 $279,545 $3,399 4.07%
    44% 30 $9,300,000 $310,000 $2,371 4.28%
    36% 29 $8,075,000 $278,448 $3,423 4.05%
    41% 26 $7,100,000 $273,077 $3,332 4.38%
    37% 24 $6,470,000 $269,583 $2,421 4.05%
    43% 24 $7,260,000 $302,500 $3,416 4.26%
    42% 21 $5,895,000 $280,714 $3,101 4.10%
    39% 21 $4,905,000 $233,571 $2,470 4.35%
    38% 20 $6,240,000 $312,000 $4,002 4.22%
    45% 19 $5,185,000 $272,895 $2,504 4.22%
    46% 17 $5,055,000 $297,353 $3,666 4.21%
    49% 11 $2,245,000 $204,091 $2,786 4.18%
    50-60% 9 $2,145,000 $238,333 $3,349 3.97%
    48% 9 $2,485,000 $276,111 $2,817 4.41%
    47% 7 $1,765,000 $252,143 $3,543 4.30%

    Cache Valley Bank lent most frequently to those with DTI ratios of 20-30%, with 168 originations. The next most common DTI ratio? 30-36%, with 146 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 697 $187,265,000 $268,673 $2,901 4.22%
    Not provided 21 $5,615,000 $267,381 $3,274 4.36%
    Not applicable 23 $5,075,000 $220,652 $0 5.70%
    Asian 4 $970,000 $242,500 $2,423 3.97%
    Black 1 $445,000 $445,000 $5,105 3.63%
    Native Hawaiian or Islander 2 $360,000 $180,000 $0 4.69%
    American Indian 1 $255,000 $255,000 $2,315 4.13%

    Approval Rates

    Total approvals of all applications
    99.36%

    Cache Valley 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
    96.93%

    Cache Valley Bank has an exceptionally high pick rate. They most likely have borrower friendly terms or other characteristics like being fast to close or are easy to work with.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 749 $199,985,000 $267,003

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 2 $810,000 $405,000
    Single Family (1-4 Units):Manufactured 13 $1,695,000 $130,385
    Single Family (1-4 Units):Site-Built 734 $197,480,000 $269,046

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 52 $6,660,000 $128,077 $1,842 4.43%
    40-60% 100 $24,060,000 $240,600 $2,765 4.26%
    60-80% 344 $98,930,000 $287,587 $3,211 4.29%
    80-100% 232 $67,370,000 $290,388 $2,911 4.08%
    Over 100% 6 $1,460,000 $243,333 $4,028 5.40%
    Under 20% 13 $1,275,000 $98,077 $706 5.40%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Cache Valley Bank 101 North Main Street Logan, UT 84321 Full Service B&M $432,117
    Cache Valley Bank 105 South 500 West Bountiful, UT 84010 Full Service B&M $23,632
    Cache Valley Bank 105 South Main Street Loa, UT 84747 Full Service B&M $40,935
    Cache Valley Bank 1091 N. Bluff Saint George, UT 84770 Full Service B&M $65,301
    Cache Valley Bank 1224 S. River Road Saint George, UT 84790 Full Service B&M $31,970
    Cache Valley Bank 1333 North Hillfield Road Layton, UT 84041 Full Service B&M $77,090
    Cache Valley Bank 1710 N Main North Logan, UT 84341 Full Service B&M $34,366
    Cache Valley Bank 185 North Main Street Nephi, UT 84648 Full Service B&M $36,712
    Cache Valley Bank 2 North Main Street Ephraim, UT 84627 Full Service B&M $32,280
    Cache Valley Bank 210 South State Street Mount Pleasant, UT 84647 Full Service B&M $28,154
    Cache Valley Bank 294 E. Tabernacle Street Saint George, UT 84770 Full Service B&M $263,976
    Cache Valley Bank 30 East Main Hyrum, UT 84319 Full Service B&M $11,216
    Cache Valley Bank 300 North Milburn Road Fairview, UT 84629 Full Service B&M $12,413
    Cache Valley Bank 710 W. Telegraph Street Washington, UT 84780 Full Service B&M $36,296
    Cache Valley Bank 82 West Main Street Price, UT 84501 Full Service B&M $42,850

    For 2019, Cache Valley Bank had 15 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $74,769
    Net interest income $64,853
    Total noninterest income $5,931
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $693
    Trading account gains and fees $0
    Additional Noninterest Income $5,238
    Pre-tax net operating income $34,882
    Securities gains (or losses, -) $21
    Income before extraordinary items $26,151
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $26,151
    Minority interest net income $0
    Net income $26,151
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $26,134

    Cache Valley Bank's gross interest income from loans was $74,769,000.
    Cache Valley Bank's net interest income from loans was $64,853,000.
    Cache Valley Bank's fee based income from loans was $693,000.
    Cache Valley Bank's net income from loans was $26,151,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $9,916
    Provision for credit losses $2,900
    Total noninterest expense $33,002
    Salaries and employee benefits $20,400
    Premises and equipment expense $4,129
    Additional noninterest expense $8,473
    Applicable income taxes $8,752
    Net charge-offs $2,135
    Cash dividends $7,516

    Cache Valley Bank's interest expense for loans was $9,916,000.
    Cache Valley Bank's payroll and benefits expense were $20,400,000.
    Cache Valley Bank's property, plant and equipment expenses $4,129,000.

    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 0.0%
    Nonfarm, nonresidential loans 1.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 0.0%
    HELOC loans 0.0%
    All other family 0.0%
    Commercial & industrial loans 1.0%
    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 $1,243,878
    Deposits held in domestic offices $1,243,878
    Deposits by Individuals, partnerships, and corporations $1,119,803
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $123,342
    Deposits by Commercial banks and other depository institutions in U.S. $733
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $667,759
    Demand deposits $667,759
    Nontransaction accounts $576,119
    Money market deposit accounts (MMDAs) $228,874
    Other savings deposits (excluding MMDAs) $125,203
    Total time deposits $222,042
    Total time and savings deposits $576,119
    Noninterest-bearing deposits $402,011
    Interest-bearing deposits $841,867
    Retail deposits $1,132,679
    IRAs and Keogh plan accounts $29,161
    Brokered deposits $1,578
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $1,407,956
    Cash & Balances due from depository institutions $239,399
    Interest-bearing balances $222,801
    Total securities $27,495
    Federal funds sold & reverse repurchase $10,502
    Net loans and leases $1,077,138
    Loan and leases loss allowance $16,447
    Trading account assets $0
    Bank premises and fixed assets $37,800
    Other real estate owned $1,557
    Goodwill and other intangibles $392
    All other assets $13,673

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $1,407,956
    Total Liabilities $1,247,912
    Total deposits $1,243,878
    Interest-bearing deposits $841,867
    Deposits held in domestic offices $1,243,878
    % insured (estimated) $56
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $0
    Subordinated debt $0
    All other liabilities $4,034

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $1,077,138
    Loan and leases loss allowance $16,447
    Total loans and leases (domestic) $1,093,585
    All real estate loans $892,417
    Real estate loans in domestic offices $892,417
    Construction and development loans $168,839
    Residential 1-4 family construction $59,662
    Other construction, all land development and other land $109,177
    Loans secured by nonfarm nonresidential properties $526,050
    Nonfarm nonresidential secured by owner-occupied properties $245,575
    Commercial real estate & other non-farm, non-residential $280,475
    Multifamily residential real estate $11,935
    1-4 family residential loans $110,107
    Farmland loans $75,486
    Loans held in foreign offices $0
    Farm loans $44,553
    Commercial and industrial loans $153,175
    To non-U.S. addressees $0
    Loans to individuals $7,130
    Credit card loans $1,276
    Related Plans $424
    Consumer Auto Loans $2,656
    Other loans to individuals $2,774
    All other loans & leases $1,986
    Loans to foreign governments and official institutions $0
    Other loans $261
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $5,913
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $10,407
    Non 1-4 family restructured loans & leases $10,057
    Total loans and leases (foreign) $0

    Cache Valley Bank had $1,077,138,000 of loans outstanding in 2019. $892,417,000 of loans were in real estate loans. $168,839,000 of loans were in development loans. $11,935,000 of loans were in multifamily mortgage loans. $110,107,000 of loans were in 1-4 family mortgage loans. $44,553,000 of loans were in farm loans. $1,276,000 of loans were in credit card loans. $2,656,000 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 507 $132,732 $261,799
    Nonfarm, nonresidential loans - <$100k 73 $3,669 $50,260
    Nonfarm, nonresidential loans - $100-250k 160 $20,582 $128,638
    Nonfarm, nonresidential loans - $250k-1MM 274 $108,481 $395,916
    Commercial & Industrial, US addressed loans - <$1MM 1,183 $101,412 $85,724
    Commercial & Industrial, US addressed loans - <$100k 749 $21,265 $28,391
    Commercial & Industrial, US addressed loans - $100-250k 255 $27,648 $108,424
    Commercial & Industrial, US addressed loans - $250k-1MM 179 $52,499 $293,291
    Farmland loans - <$1MM 214 $27,085 $126,565
    Farmland loans - <$100k 89 $3,845 $43,202
    Farmland loans - $100-250k 82 $11,263 $137,354
    Farmland loans - $250k-1MM 43 $11,977 $278,535
    Agriculture operations loans - <$1MM 306 $21,114 $69,000
    Agriculture operations loans - <$100k 220 $6,308 $28,673
    Agriculture operations loans - $100-250k 57 $6,641 $116,509
    Agriculture operations loans - $250k-1MM 29 $8,165 $281,552