Home Federal Savings Bank Mortgage Rates, Fees & Info

Rochester, MN

LEI: 549300GHAXBE9Q7W9273

Tax ID: 41-0318319

5 stars - out of 5 stars, based on 36 reviews

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

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Mortgage Data

  • SimulatedRates™
  • Bank Data

    Review & Overview

    Home Federal Savings Bank is a smaller bank specializing in Home Purchase, Refi, and Cash Out Refi loans. Home Federal Savings 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.) They have a low ratio of USDA loans. Their top markets by origination volume include: Rochester, Minneapolis, Albert Lea, Austin, and Winona among others. We have data for 40 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Home Federal Savings Bank 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. Home Federal Savings Bank is typically an average 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 6.14% 10/3/22
    30 Year Conventional Refi 6.54% 10/3/22
    30 Year Cash-out Refi 6.77% 10/3/22
    30 Year FHA Purchase 7.26% 10/3/22
    30 Year FHA Refi 6.96% 10/3/22
    30 Year VA Purchase 6.26% 10/3/22
    30 Year USDA Purchase 6.75% 10/3/22
    15 Year Conventional Purchase 6.46% 10/3/22
    15 Year Conventional Refi 6.35% 10/3/22
    15 Year Cash-out Refi 6.35% 10/3/22
    15 Year FHA Refi 6.77% 10/3/22
    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.


    Originations

    1,270

    Origination Dollar Volume (All Markets)

    $269,280,000

    Employee count

    164

    Awards

    Home Federal Savings Bank 30 Year Conventional Loans gold Home Federal Savings Bank FHA Loans gold Home Federal Savings Bank 30 Year Conventional Loans silver
    Show all (3) awards

    Relative Rate

    Home Federal Savings Bank's average 30 year fixed mortgage rate was 2.88%.

    The 2021 average 30 year fixed rate mortgage across all markets and lenders was 3.15%.

    This yields a difference of -0.27%.

    Relative Fees (Closing Costs)

    Home Federal Savings Bank's average total fees/closing costs for a 30 year fixed rate mortgage were $3,772.

    The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including both points & up-front fees in addition to origination fees) were $4,750.

    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
    ROCHESTER, MN (FHA|USDA|VA) 603 $139,935,000 $232,065 $3,371 2.90%
    MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 92 $29,790,000 $323,804 $4,454 2.93%
    Albert Lea, MN (FHA|USDA|VA) 138 $16,740,000 $121,304 $3,181 3.10%
    Austin, MN (FHA|USDA|VA) 116 $15,120,000 $130,345 $3,022 2.79%
    Winona, MN (FHA|USDA|VA) 68 $10,800,000 $158,824 $2,946 3.12%
    Outside of Metro Areas 56 $10,580,000 $188,929 $3,404 2.77%
    LA CROSSE-ONALASKA, WI-MN (FHA|USDA|VA) 48 $10,180,000 $212,083 $2,212 3.06%
    MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 18 $5,830,000 $323,889 $1,692 3.41%
    Red Wing, MN (FHA|USDA|VA) 26 $4,360,000 $167,692 $3,202 2.65%
    SIOUX FALLS, SD (FHA|USDA|VA) 2 $4,080,000 $2,040,000 $5,177 3.11%
    Brainerd, MN (FHA|USDA|VA) 7 $3,085,000 $440,714 $4,725 2.79%
    MANKATO, MN (FHA|USDA|VA) 21 $2,435,000 $115,952 $3,612 2.46%
    Marshalltown, IA (FHA|USDA|VA) 18 $2,150,000 $119,444 $3,055 3.14%
    Owatonna, MN (FHA|USDA|VA) 13 $1,945,000 $149,615 $2,392 3.34%
    ST. CLOUD, MN (FHA|USDA|VA) 3 $1,765,000 $588,333 $2,391 3.16%
    EAU CLAIRE, WI (FHA|USDA|VA) 4 $1,620,000 $405,000 $3,238 2.78%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 3 $1,075,000 $358,333 $3,966 2.96%
    TUCSON, AZ (FHA|USDA|VA) 2 $790,000 $395,000 $7,190 2.69%
    Faribault-Northfield, MN (FHA|USDA|VA) 2 $750,000 $375,000 $4,988 2.88%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 2 $700,000 $350,000 $6,312 2.25%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 2 $570,000 $285,000 $6,285 2.56%
    DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 2 $550,000 $275,000 $3,354 3.31%
    Spearfish, SD (FHA|USDA|VA) 1 $545,000 $545,000 $8,451 2.75%
    SHEBOYGAN, WI (FHA|USDA|VA) 1 $495,000 $495,000 $468 3.25%
    BLOOMINGTON, IN (FHA|USDA|VA) 1 $495,000 $495,000 $5,721 2.88%
    DULUTH, MN-WI (FHA|USDA|VA) 3 $415,000 $138,333 $3,530 2.71%
    ST. LOUIS, MO-IL (FHA|USDA|VA) 1 $325,000 $325,000 $4,930 2.88%
    SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 1 $285,000 $285,000 $4,670 2.38%
    Watertown-Fort Atkinson, WI (FHA|USDA|VA) 1 $245,000 $245,000 $1,708 3.38%
    Mason City, IA (FHA|USDA|VA) 2 $210,000 $105,000 $2,377 3.25%
    OSHKOSH-NEENAH, WI (FHA|USDA|VA) 1 $165,000 $165,000 $0 3.89%
    New Ulm, MN (FHA|USDA|VA) 3 $165,000 $55,000 $2,220 3.29%
    AMES, IA (FHA|USDA|VA) 1 $155,000 $155,000 $1,955 3.25%
    GAINESVILLE, FL (FHA|USDA|VA) 1 $155,000 $155,000 $4,471 3.00%
    MACON-BIBB COUNTY, GA (FHA|USDA|VA) 1 $155,000 $155,000 $0 3.38%
    Marshall, MN (FHA|USDA|VA) 2 $140,000 $70,000 $2,443 2.94%
    FARGO, ND-MN (FHA|USDA|VA) 1 $135,000 $135,000 $0 3.00%
    Muscatine, IA (FHA|USDA|VA) 1 $125,000 $125,000 $2,933 2.88%
    Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 1 $115,000 $115,000 $2,814 2.25%
    Fairmont, MN (FHA|USDA|VA) 1 $105,000 $105,000 $3,247 3.00%

    Home Federal Savings Bank's top markets include Rochester, Minneapolis, Albert Lea, Austin, and Winona among others.

    Similar Lenders

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

    VERIDIAN CREDIT UNION
    Similarity Rank: 106
    Firefighters Credit Union
    Similarity Rank: 125
    GREENSTATE CREDIT UNION
    Similarity Rank: 258
    CO-OP Credit Union
    Similarity Rank: 308
    VERVE, A CREDIT UNION
    Similarity Rank: 483
    The Greenwood's State Bank
    Similarity Rank: 500
    NORTHWESTERN MUTUAL
    Similarity Rank: 670
    Farmers & Merchants Savings Bank
    Similarity Rank: 720
    Citizens State Bank of La Crosse
    Similarity Rank: 729
    The Park Bank
    Similarity Rank: 819

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 1,180 $253,450,000 $214,788 $3,078 2.94%
    FHA 71 $12,245,000 $172,465 $6,513 2.89%
    USDA 12 $1,710,000 $142,500 $4,668 2.82%
    VA 7 $1,875,000 $267,857 $4,989 2.81%

    For 2021, Home Federal Savings Bank's most frequently originated type of loan was Conventional, with 1,180 originations. Their 2nd most popular type was FHA, with 71 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 613 $147,175,000 $240,090 $3,732 2.83%
    Refi 310 $62,180,000 $200,581 $3,043 2.88%
    Cash Out Refi 276 $57,010,000 $206,558 $3,478 2.94%
    Home Improvement 56 $2,080,000 $37,143 $551 3.73%
    Other 15 $835,000 $55,667 $279 5.08%

    For 2021, Home Federal Savings Bank's most frequently cited loan purpose was Home Purchase, with 613 originations. The 2nd most popular reason was Refi, with 310 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 735 $170,825,000 $232,415 $3,772 2.88%
    15 Year 266 $47,470,000 $178,459 $3,049 2.69%
    20 Year 124 $20,520,000 $165,484 $2,656 3.17%
    10 Year 92 $17,780,000 $193,261 $1,731 3.13%
    5 Year 30 $7,730,000 $257,667 $312 3.81%
    Other 18 $4,110,000 $228,333 $1,336 4.10%
    1 Year 3 $575,000 $191,667 $319 4.82%
    3 Year 2 $270,000 $135,000 $249 2.94%

    For 2021, Home Federal Savings Bank's most frequently cited loan duration was 30 Year, with 735 originations. The 2nd most popular length was 15 Year, with 266 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 397 $59,705,000 $150,390
    $1k-2k 361 $52,135,000 $144,418
    $2k-3k 272 $77,040,000 $283,235
    $3k-4k 95 $30,095,000 $316,789
    $4k-5k 36 $14,490,000 $402,500
    $5k+ 13 $6,705,000 $515,769

    Home Federal Savings Bank's average total fees were $3,772, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 397 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    2.5-3% 497 $123,475,000 $248,441
    3-4% 453 $102,975,000 $227,318
    <2.5% 246 $34,630,000 $140,772
    4-5% 65 $7,375,000 $113,462
    5-6% 9 $825,000 $91,667

    During 2021, Home Federal Savings Bank's average interest rate for loans was 2.88%, while their most frequently originated rate bucket for loans was 2.5-3%, with 497 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 428 $62,460,000 $145,935 $3,429 2.97%
    $200k-400k 378 $102,800,000 $271,958 $4,369 3.04%
    $100,000 or less 324 $16,540,000 $51,049 $1,406 2.72%
    $400k-600k 99 $46,875,000 $473,485 $4,707 2.99%
    $600k-1MM 27 $20,385,000 $755,000 $4,864 3.09%
    $1MM+ 14 $20,220,000 $1,444,286 $4,390 3.07%

    2021 saw Home Federal Savings Bank place emphasis on $100k-200k loans with 428 originations, totaling $62,460,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 316 $49,770,000 $157,500 $3,241 2.84%
    $50k or less 289 $28,835,000 $99,775 $2,664 2.67%
    $100k-150k 213 $46,615,000 $218,850 $3,410 3.06%
    $75k-100k 171 $31,285,000 $182,953 $3,410 3.06%
    $150k-250k 122 $35,780,000 $293,279 $4,033 3.09%
    $250k+ 108 $54,070,000 $500,648 $4,354 2.96%

    Home Federal Savings Bank lent most frequently to those with incomes in the $50k-75k range, with 316 originations. The second most popular income band? $50k or less, with 289 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 303 $64,495,000 $212,855 $3,340 2.93%
    30-36% 222 $42,750,000 $192,568 $3,304 2.87%
    <20% 147 $36,115,000 $245,680 $3,326 2.91%
    38% 52 $11,740,000 $225,769 $3,531 2.90%
    44% 47 $9,235,000 $196,489 $3,336 2.74%
    40% 46 $6,710,000 $145,870 $3,010 3.10%
    43% 43 $7,385,000 $171,744 $2,939 2.91%
    37% 40 $7,860,000 $196,500 $3,327 2.73%
    39% 39 $4,895,000 $125,513 $2,853 2.78%
    36% 39 $6,875,000 $176,282 $3,158 2.70%
    42% 38 $8,060,000 $212,105 $3,629 3.06%
    41% 37 $5,235,000 $141,486 $2,984 2.80%
    46% 35 $6,365,000 $181,857 $3,014 2.86%
    48% 34 $8,160,000 $240,000 $4,069 2.92%
    49% 32 $7,160,000 $223,750 $4,022 2.84%
    47% 31 $6,025,000 $194,355 $3,388 2.89%
    45% 26 $6,920,000 $266,154 $3,634 2.96%
    50-60% 9 $1,545,000 $171,667 $1,864 3.68%
    >60% 1 $405,000 $405,000 $702 5.50%

    Home Federal Savings Bank lent most frequently to those with DTI ratios of 20-30%, with 303 originations. The next most common DTI ratio? 30-36%, with 222 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,123 $223,765,000 $199,256 $3,288 2.92%
    Not applicable 38 $18,710,000 $492,368 $0 3.65%
    Not provided 68 $17,250,000 $253,676 $3,405 2.86%
    Asian 16 $5,160,000 $322,500 $4,231 3.01%
    Black 19 $3,495,000 $183,947 $3,748 2.56%
    American Indian 6 $900,000 $150,000 $3,356 2.00%

    Approval Rates

    Total approvals of all applications
    91.52%

    Home Federal Savings Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    81.89%

    Home Federal Savings Bank has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 1,270 $269,280,000 $212,031

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    1,270 $269,280,000 $212,031

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 83 $10,575,000 $127,410 $1,870 3.13%
    40-60% 177 $37,555,000 $212,175 $3,039 2.82%
    60-80% 465 $108,865,000 $234,118 $3,598 3.04%
    80-100% 406 $107,910,000 $265,788 $4,438 3.07%
    Over 100% 1 $325,000 $325,000 $12,093 2.75%
    Under 20% 138 $4,050,000 $29,348 $347 2.17%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Home Federal Savings Bank 502 South Mantorville Avenue Kasson, MN 55944 Limited, Drive-thru $67,728
    Home Federal Savings Bank 715 North Broadway Spring Valley, MN 55975 Full Service B&M $67,502
    Home Federal Savings Bank 100 1st Avenue Sw Ste 200 Rochester, MN 55902 Full Service B&M $41,201
    Home Federal Savings Bank 1015 West Frontage Rd Owatonna, MN 55060 Full Service B&M $22,557
    Home Federal Savings Bank 1016 Civic Center Drive Rochester, MN 55901 Full Service B&M $151,720
    Home Federal Savings Bank 1201 South Broadway Rochester, MN 55901 Full Service B&M $68,700
    Home Federal Savings Bank 143 West Clark Street Albert Lea, MN 56007 Full Service B&M $79,496
    Home Federal Savings Bank 175 Center Street Winona, MN 55987 Full Service B&M $31,499
    Home Federal Savings Bank 1870 Meadow Lane Pewaukee, WI 53072 Full Service B&M $37,326
    Home Federal Savings Bank 201 Oakland Avenue West Austin, MN 55912 Full Service B&M $77,992
    Home Federal Savings Bank 2048 Superior Drive, Nw Ste 400 Rochester, MN 55901 Full Service B&M $63,709
    Home Federal Savings Bank 208 South Walnut Street La Crescent, MN 55947 Full Service B&M $44,162
    Home Federal Savings Bank 2805 Dodd Road Ste 160 Eagan, MN 55121 Full Service B&M $43,150
    Home Federal Savings Bank 303 West Main Street Marshalltown, IA 50158 Full Service B&M $77,118

    For 2021, Home Federal Savings Bank had 14 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $31,636
    Net interest income $30,052
    Total noninterest income $12,779
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $814
    Trading account gains and fees $0
    Additional Noninterest Income $11,965
    Pre-tax net operating income $19,633
    Securities gains (or losses, -) $99
    Income before extraordinary items $14,174
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $14,174
    Minority interest net income $0
    Net income $14,174
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $14,095

    Home Federal Savings Bank's gross interest income from loans was $31,636,000.
    Home Federal Savings Bank's net interest income from loans was $30,052,000.
    Home Federal Savings Bank's fee based income from loans was $814,000.
    Home Federal Savings Bank's net income from loans was $14,174,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $1,584
    Provision for credit losses $-2,119
    Total noninterest expense $25,317
    Salaries and employee benefits $15,640
    Premises and equipment expense $3,221
    Additional noninterest expense $6,456
    Applicable income taxes $5,558
    Net charge-offs $-699
    Cash dividends $6,000

    Home Federal Savings Bank's interest expense for loans was $1,584,000.
    Home Federal Savings Bank's payroll and benefits expense were $15,640,000.
    Home Federal Savings Bank's property, plant and equipment expenses $3,221,000.

    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 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 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 $966,115
    Deposits held in domestic offices $966,115
    Deposits by Individuals, partnerships, and corporations $905,627
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $56,653
    Deposits by Commercial banks and other depository institutions in U.S. $3,834
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $491,741
    Demand deposits $347,877
    Nontransaction accounts $474,373
    Money market deposit accounts (MMDAs) $261,356
    Other savings deposits (excluding MMDAs) $126,837
    Total time deposits $86,181
    Total time and savings deposits $618,237
    Noninterest-bearing deposits $329,678
    Interest-bearing deposits $636,437
    Retail deposits $958,150
    IRAs and Keogh plan accounts $18,912
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $1,068,836
    Cash & Balances due from depository institutions $94,751
    Interest-bearing balances $85,562
    Total securities $286,013
    Federal funds sold & reverse repurchase $0
    Net loans and leases $658,077
    Loan and leases loss allowance $9,279
    Trading account assets $0
    Bank premises and fixed assets $17,753
    Other real estate owned $290
    Goodwill and other intangibles $4,092
    All other assets $7,860

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $1,068,836
    Total Liabilities $971,969
    Total deposits $966,115
    Interest-bearing deposits $636,437
    Deposits held in domestic offices $966,115
    % insured (estimated) $71
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $0
    Subordinated debt $0
    All other liabilities $5,854

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $658,077
    Loan and leases loss allowance $9,279
    Total loans and leases (domestic) $667,356
    All real estate loans $592,347
    Real estate loans in domestic offices $592,347
    Construction and development loans $55,871
    Residential 1-4 family construction $23,188
    Other construction, all land development and other land $32,683
    Loans secured by nonfarm nonresidential properties $293,716
    Nonfarm nonresidential secured by owner-occupied properties $90,238
    Commercial real estate & other non-farm, non-residential $203,478
    Multifamily residential real estate $43,118
    1-4 family residential loans $193,730
    Farmland loans $5,912
    Loans held in foreign offices $0
    Farm loans $16,766
    Commercial and industrial loans $43,240
    To non-U.S. addressees $0
    Loans to individuals $14,637
    Credit card loans $112
    Related Plans $131
    Consumer Auto Loans $1,946
    Other loans to individuals $12,448
    All other loans & leases $375
    Loans to foreign governments and official institutions $0
    Other loans $271
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $390
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $29
    Non 1-4 family restructured loans & leases $29
    Total loans and leases (foreign) $0

    Home Federal Savings Bank had $658,077,000 of loans outstanding in 2021. $592,347,000 of loans were in real estate loans. $55,871,000 of loans were in development loans. $43,118,000 of loans were in multifamily mortgage loans. $193,730,000 of loans were in 1-4 family mortgage loans. $16,766,000 of loans were in farm loans. $112,000 of loans were in credit card loans. $1,946,000 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 217 $54,411 $250,742
    Nonfarm, nonresidential loans - <$100k 38 $1,942 $51,105
    Nonfarm, nonresidential loans - $100-250k 70 $9,540 $136,286
    Nonfarm, nonresidential loans - $250k-1MM 109 $42,929 $393,844
    Commercial & Industrial, US addressed loans - <$1MM 365 $29,250 $80,137
    Commercial & Industrial, US addressed loans - <$100k 169 $3,573 $21,142
    Commercial & Industrial, US addressed loans - $100-250k 93 $6,593 $70,892
    Commercial & Industrial, US addressed loans - $250k-1MM 103 $19,084 $185,282
    Farmland loans - <$1MM 16 $4,857 $303,563
    Farmland loans - $100-250k 6 $668 $111,333
    Farmland loans - $250k-1MM 10 $4,189 $418,900
    Agriculture operations loans - <$1MM 52 $5,267 $101,288
    Agriculture operations loans - <$100k 33 $726 $22,000
    Agriculture operations loans - $100-250k 8 $1,027 $128,375
    Agriculture operations loans - $250k-1MM 11 $3,514 $319,455