Citizens Business Bank Mortgage Rates, Fees & Info

Ontario, CA

LEI: 549300L36QZWPHM6FP31

Tax ID: 95-2868024

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Mortgage Data

Bank Data

Review & Overview

Citizens Business Bank is a smaller bank specializing in Refi and Home Purchase loans. Citizens Business Bank has a high proportion of conventional loans. Their top markets by origination volume include: Los Angeles, Visalia, Fresno, San Diego, and Bakersfield among others. We have data for 21 markets. (Some data included below & more in-depth data is available with an active subscription.)

Citizens Business 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.

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.

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Originations

134

Origination Dollar Volume (All Markets)

$182,770,000

Employee count

975

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
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 50 $72,600,000 $1,452,000 $0 0.00%
VISALIA, CA (FHA|USDA|VA) 8 $17,160,000 $2,145,000 $0 0.00%
FRESNO, CA (FHA|USDA|VA) 15 $15,215,000 $1,014,333 $0 0.00%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 10 $13,370,000 $1,337,000 $0 0.00%
BAKERSFIELD, CA (FHA|USDA|VA) 6 $12,240,000 $2,040,000 $0 0.00%
MODESTO, CA (FHA|USDA|VA) 12 $10,560,000 $880,000 $0 0.00%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 10 $9,760,000 $976,000 $0 0.00%
MADERA, CA (FHA|USDA|VA) 3 $4,015,000 $1,338,333 $0 0.00%
Pullman, WA (FHA|USDA|VA) 1 $3,635,000 $3,635,000 $0 0.00%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 3 $3,565,000 $1,188,333 $0 0.00%
SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 2 $3,290,000 $1,645,000 $0 0.00%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 3 $3,215,000 $1,071,667 $0 0.00%
SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 3 $2,685,000 $895,000 $0 0.00%
MERCED, CA (FHA|USDA|VA) 1 $2,265,000 $2,265,000 $0 0.00%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 1 $2,005,000 $2,005,000 $0 0.00%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 1 $1,705,000 $1,705,000 $0 0.00%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 1 $1,605,000 $1,605,000 $0 0.00%
STOCKTON, CA (FHA|USDA|VA) 1 $1,405,000 $1,405,000 $0 0.00%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 1 $935,000 $935,000 $0 0.00%
Heber, UT (FHA|USDA|VA) 1 $895,000 $895,000 $0 0.00%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 1 $645,000 $645,000 $0 0.00%
Citizens Business Bank's top markets include Los Angeles, Visalia, Fresno, San Diego, and Bakersfield among others.

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

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 134 $182,770,000 $1,363,955 $0 0.00%

    For 2021, Citizens Business Bank's most frequently originated type of loan was Conventional, with 134 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 74 $112,810,000 $1,524,459 $0 0.00%
    Home Purchase 53 $63,435,000 $1,196,887 $0 0.00%
    Other 4 $4,830,000 $1,207,500 $0 0.00%
    Home Improvement 3 $1,695,000 $565,000 $0 0.00%

    For 2021, Citizens Business Bank's most frequently cited loan purpose was Refi, with 74 originations. The 2nd most popular reason was Home Purchase, with 53 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 134 $182,770,000 $1,363,955 $0 0.00%

    For 2021, Citizens Business Bank's most frequently cited loan duration was Other, with 134 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $1MM+ 74 $147,210,000 $1,989,324 $0 0.00%
    $600k-1MM 29 $22,955,000 $791,552 $0 0.00%
    $400k-600k 22 $10,350,000 $470,455 $0 0.00%
    $200k-400k 8 $2,060,000 $257,500 $0 0.00%
    $100k-200k 1 $195,000 $195,000 $0 0.00%

    2021 saw Citizens Business Bank place emphasis on $1MM+ loans with 74 originations, totaling $147,210,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $250k+ 32 $39,290,000 $1,227,813 $0 0.00%
    $150k-250k 7 $5,455,000 $779,286 $0 0.00%
    $100k-150k 3 $1,965,000 $655,000 $0 0.00%
    $75k-100k 2 $480,000 $240,000 $0 0.00%

    Citizens Business Bank lent most frequently to those with incomes in the $250k+ range, with 32 originations. The second most popular income band? $150k-250k, with 7 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 134 $182,770,000 $1,363,955 $0 0.00%

    Citizens Business Bank lent most frequently to those with DTI ratios of Exempt%, with 134 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    Not applicable 76 $122,480,000 $1,611,579 $0 0.00%
    White 30 $27,250,000 $908,333 $0 0.00%
    Not provided 16 $20,410,000 $1,275,625 $0 0.00%
    Asian 6 $6,930,000 $1,155,000 $0 0.00%
    Asian Indian 4 $4,390,000 $1,097,500 $0 0.00%
    Other Asian 1 $1,075,000 $1,075,000 $0 0.00%
    Black 1 $235,000 $235,000 $0 0.00%

    Approval Rates

    Total approvals of all applications
    87.10%

    Citizens Business Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    61.94%

    Citizens Business Bank has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.

    Points and Fees

    Points Originations Total Value Average Loan
    Exempt 134 $182,770,000 $1,363,955

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    134 $182,770,000 $1,363,955

    Complaints

    Bank Name Product Issue 2021 CPFB Complaints % of Total Issues
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 54 15.6%
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Closing on a mortgage 22 6.3%
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Improper use of your report 1 0.3%
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Incorrect information on your report 6 1.7%
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Problem with a credit reporting company's investigation into an existing problem 3 0.9%
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Struggling to pay mortgage 27 7.8%
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Trouble during payment process 116 33.4%
    CITIZENS FINANCIAL GROUP, INC. FHA mortgage Applying for a mortgage or refinancing an existing mortgage 7 2.0%
    CITIZENS FINANCIAL GROUP, INC. FHA mortgage Closing on a mortgage 4 1.2%
    CITIZENS FINANCIAL GROUP, INC. FHA mortgage Struggling to pay mortgage 15 4.3%
    CITIZENS FINANCIAL GROUP, INC. FHA mortgage Trouble during payment process 19 5.5%
    CITIZENS FINANCIAL GROUP, INC. Home equity loan or line of credit (HELOC) Applying for a mortgage or refinancing an existing mortgage 7 2.0%
    CITIZENS FINANCIAL GROUP, INC. Home equity loan or line of credit (HELOC) Closing on a mortgage 4 1.2%
    CITIZENS FINANCIAL GROUP, INC. Home equity loan or line of credit (HELOC) Incorrect information on your report 2 0.6%
    CITIZENS FINANCIAL GROUP, INC. Home equity loan or line of credit (HELOC) Struggling to pay mortgage 2 0.6%
    CITIZENS FINANCIAL GROUP, INC. Home equity loan or line of credit (HELOC) Trouble during payment process 27 7.8%
    CITIZENS FINANCIAL GROUP, INC. Other type of mortgage Applying for a mortgage or refinancing an existing mortgage 5 1.4%
    CITIZENS FINANCIAL GROUP, INC. Other type of mortgage Closing on a mortgage 3 0.9%
    CITIZENS FINANCIAL GROUP, INC. Other type of mortgage Improper use of your report 1 0.3%
    CITIZENS FINANCIAL GROUP, INC. Other type of mortgage Incorrect information on your report 1 0.3%
    CITIZENS FINANCIAL GROUP, INC. Other type of mortgage Struggling to pay mortgage 3 0.9%
    CITIZENS FINANCIAL GROUP, INC. Other type of mortgage Trouble during payment process 13 3.7%
    CITIZENS FINANCIAL GROUP, INC. VA mortgage Struggling to pay mortgage 2 0.6%
    CITIZENS FINANCIAL GROUP, INC. VA mortgage Trouble during payment process 3 0.9%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Citizens Business Bank 100 East Huntington Drive Monrovia, CA 91016 Full Service B&M $136,599
    Citizens Business Bank 1000 North Brand Boulevard Glendale, CA 91202 Full Service B&M $272,099
    Citizens Business Bank 101 W. Huntington Drive Arcadia, CA 91007 Full Service B&M $0
    Citizens Business Bank 1010 E Colorado Blvd Pasadena, CA 91106 Full Service B&M $1,362,282
    Citizens Business Bank 1095 North Garey Avenue Pomona, CA 91767 Full Service B&M $192,827
    Citizens Business Bank 1101 Anacapa Street Santa Barbara, CA 93101 Full Service B&M $21,106
    Citizens Business Bank 1201 East Katella Avenue Orange, CA 92867 Full Service B&M $236,043
    Citizens Business Bank 12070 Telegraph Rd, Ste 107 Santa Fe Springs, CA 90670 Full Service B&M $124,669
    Citizens Business Bank 1230 17th Street Bakersfield, CA 93301 Full Service B&M $184,707
    Citizens Business Bank 12680 High Bluff Drive San Diego, CA 92130 Full Service B&M $51,158
    Citizens Business Bank 12808 Central Avenue Chino, CA 91710 Full Service B&M $704,226
    Citizens Business Bank 1401 Dove St. Newport Beach, CA 92660 Full Service B&M $186,249
    Citizens Business Bank 1555 East Highland Avenue San Bernardino, CA 92404 Full Service B&M $157,339
    Citizens Business Bank 1613 Inyo Street Delano, CA 93215 Full Service B&M $87,645
    Citizens Business Bank 16830 Ventura Blvd Suite 310, Suite 310 Encino, CA 91436 Full Service B&M $380,249
    Citizens Business Bank 1800 N. Sepulveda Boulevard Manhattan Beach, CA 90266 Full Service B&M $111,550
    Citizens Business Bank 1900 Avenue Of The Stars, Suite 1820 Los Angeles, CA 90067 Full Service B&M $114,938
    Citizens Business Bank 1901 E. Prosperity Avenue Tulare, CA 93274 Full Service B&M $164,282
    Citizens Business Bank 19197 Town Center Drive Apple Valley, CA 92307 Full Service B&M $159,217
    Citizens Business Bank 200 East Citrus Avenue Redlands, CA 92373 Full Service B&M $234,326
    Citizens Business Bank 2000 East 4th Street, Suite 100 Santa Ana, CA 92705 Full Service B&M $123,992
    Citizens Business Bank 2001 Howard Road Suite 101 Madera, CA 93637 Full Service B&M $117,853
    Citizens Business Bank 225 West Sixth Street Corona, CA 92882 Full Service B&M $305,172
    Citizens Business Bank 23046 Avenida De La Carlota, Ste 100 Laguna Hills, CA 92653 Full Service B&M $155,397
    Citizens Business Bank 2357-B Pickwick Drive Camarillo, CA 93010 Full Service B&M $57,496
    Citizens Business Bank 2400 E. Gonzales Road Oxnard, CA 93036 Full Service B&M $86,773
    Citizens Business Bank 2650 East Imperial Highway Brea, CA 92821 Full Service B&M $378,280
    Citizens Business Bank 2663 Townsgate Road Westlake Village, CA 91361 Full Service B&M $61,061
    Citizens Business Bank 275 Main Street El Segundo, CA 90245 Full Service B&M $118,364
    Citizens Business Bank 2800 North Hollywood Way Burbank, CA 91505 Full Service B&M $817,350
    Citizens Business Bank 28470 Avenue Stanford Suite 110 Santa Clarita, CA 91355 Full Service B&M $72,608
    Citizens Business Bank 301 Vanderbilt Way San Bernardino, CA 92408 Full Service B&M $747,938
    Citizens Business Bank 30100 Town Center Drive, Suite Q Laguna Niguel, CA 92677 Full Service B&M $77,388
    Citizens Business Bank 310 N Harbor Blvd, Ste 101 Fullerton, CA 92832 Full Service B&M $128,206
    Citizens Business Bank 3260 Telegraph Road Ventura, CA 93003 Full Service B&M $163,923
    Citizens Business Bank 3695 Main Street Riverside, CA 92501 Full Service B&M $234,116
    Citizens Business Bank 3911 Coffee Rd Ste A Bakersfield, CA 93308 Full Service B&M $59,359
    Citizens Business Bank 4100 West Alameda Avenue Burbank, CA 91505 Full Service B&M $193,433
    Citizens Business Bank 42548 Tenth Street West Lancaster, CA 93534 Full Service B&M $69,728
    Citizens Business Bank 4744 Quail Lakes Drive, Suite A Stockton, CA 95207 Full Service B&M $24,118
    Citizens Business Bank 4900 South Eastern Avenue, Suite 200 City Of Commerce, CA 90040 Full Service B&M $151,653
    Citizens Business Bank 5060 California Avenue Bakersfield, CA 93309 Full Service B&M $185,917
    Citizens Business Bank 55 E. Huntington Dr., Suite 100 Arcadia, CA 91006 Full Service B&M $119,692
    Citizens Business Bank 610 W. Ash, Suite 1100 San Diego, CA 92101 Full Service B&M $44,263
    Citizens Business Bank 625 Fair Oaks Ave, Suite190 South Pasadena, CA 91030 Full Service B&M $206,549
    Citizens Business Bank 701 North Haven Avenue Ontario, CA 91764 Full Service B&M $625,681
    Citizens Business Bank 701 West Main Street Visalia, CA 93291 Full Service B&M $387,838
    Citizens Business Bank 77 Plaza Square Orange, CA 92866 Full Service B&M $331,470
    Citizens Business Bank 7733 North Fresno Street Fresno, CA 93720 Full Service B&M $313,980
    Citizens Business Bank 7755 Center Avenue Suite 1250 Huntington Beach, CA 92647 Full Service B&M $69,589
    Citizens Business Bank 800 Glenneyre Street Laguna Beach, CA 92651 Full Service B&M $46,816
    Citizens Business Bank 818 North Mountain Avenue Upland, CA 91786 Full Service B&M $363,438
    Citizens Business Bank 850 E. Las Tunas Dr San Gabriel, CA 91776 Full Service B&M $123,654
    Citizens Business Bank 9244 Sierra Avenue Fontana, CA 92335 Full Service B&M $71,002
    Citizens Business Bank 970 W. 190th Street, Suite 120 Torrance, CA 90502 Full Service B&M $350,333
    Citizens Business Bank 973 East Badillo Street Covina, CA 91724 Full Service B&M $198,245
    Citizens Business Bank 9754 Rush St South El Monte, CA 91733 Full Service B&M $118,600
    Citizens Business Bank One Civic Center Drive, Suite B La Canada Flintridge, CA 91011 Full Service B&M $138,632

    For 2021, Citizens Business Bank had 58 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $420,630
    Net interest income $414,706
    Total noninterest income $47,849
    Gross Fiduciary activities income $9,045
    Service charges on deposit accounts $18,003
    Trading account gains and fees $170
    Additional Noninterest Income $20,631
    Pre-tax net operating income $304,634
    Securities gains (or losses, -) $-486
    Income before extraordinary items $217,099
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $217,099
    Minority interest net income $0
    Net income $217,099
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $217,482

    Citizens Business Bank's gross interest income from loans was $420,630,000.
    Citizens Business Bank's net interest income from loans was $414,706,000.
    Citizens Business Bank's fee based income from loans was $18,003,000.
    Citizens Business Bank's net income from loans was $217,099,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $5,924
    Provision for credit losses $-26,500
    Total noninterest expense $184,421
    Salaries and employee benefits $114,900
    Premises and equipment expense $20,844
    Additional noninterest expense $48,677
    Applicable income taxes $87,049
    Net charge-offs $3,173
    Cash dividends $129,000

    Citizens Business Bank's interest expense for loans was $5,924,000.
    Citizens Business Bank's payroll and benefits expense were $114,900,000.
    Citizens Business Bank's property, plant and equipment expenses $20,844,000.

    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 $13,037,641
    Deposits held in domestic offices $13,037,641
    Deposits by Individuals, partnerships, and corporations $12,330,563
    Deposits by U.S. Government $23,232
    Deposits by States and political subdivisions in the U.S. $681,521
    Deposits by Commercial banks and other depository institutions in U.S. $2,325
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $8,761,299
    Demand deposits $8,105,964
    Nontransaction accounts $4,276,342
    Money market deposit accounts (MMDAs) $3,401,821
    Other savings deposits (excluding MMDAs) $546,840
    Total time deposits $327,681
    Total time and savings deposits $4,931,677
    Noninterest-bearing deposits $8,105,966
    Interest-bearing deposits $4,931,675
    Retail deposits $12,957,790
    IRAs and Keogh plan accounts $26,474
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $15,883,119
    Cash & Balances due from depository institutions $1,758,293
    Interest-bearing balances $1,668,535
    Total securities $5,125,503
    Federal funds sold & reverse repurchase $0
    Net loans and leases $7,822,694
    Loan and leases loss allowance $65,019
    Trading account assets $1,083
    Bank premises and fixed assets $71,988
    Other real estate owned $0
    Goodwill and other intangibles $689,101
    All other assets $414,457

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $15,883,119
    Total Liabilities $13,844,171
    Total deposits $13,037,641
    Interest-bearing deposits $4,931,675
    Deposits held in domestic offices $13,037,641
    % insured (estimated) $32
    Federal funds purchased and repurchase agreements $644,669
    Trading liabilities $0
    Other borrowed funds $0
    Subordinated debt $0
    All other liabilities $161,861

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $7,822,694
    Loan and leases loss allowance $65,019
    Total loans and leases (domestic) $7,887,713
    All real estate loans $6,471,587
    Real estate loans in domestic offices $6,471,587
    Construction and development loans $62,265
    Residential 1-4 family construction $28,649
    Other construction, all land development and other land $33,616
    Loans secured by nonfarm nonresidential properties $4,957,849
    Nonfarm nonresidential secured by owner-occupied properties $1,956,726
    Commercial real estate & other non-farm, non-residential $3,001,123
    Multifamily residential real estate $644,730
    1-4 family residential loans $442,334
    Farmland loans $364,409
    Loans held in foreign offices $0
    Farm loans $386,082
    Commercial and industrial loans $820,079
    To non-U.S. addressees $0
    Loans to individuals $8,187
    Credit card loans $0
    Related Plans $4,004
    Consumer Auto Loans $84
    Other loans to individuals $4,099
    All other loans & leases $201,778
    Loans to foreign governments and official institutions $0
    Other loans $147,938
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $17,056
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $5,293
    Non 1-4 family restructured loans & leases $4,253
    Total loans and leases (foreign) $0

    Citizens Business Bank had $7,822,694,000 of loans outstanding in 2021. $6,471,587,000 of loans were in real estate loans. $62,265,000 of loans were in development loans. $644,730,000 of loans were in multifamily mortgage loans. $442,334,000 of loans were in 1-4 family mortgage loans. $386,082,000 of loans were in farm loans. $0 of loans were in credit card loans. $84,000 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 1,326 $578,131 $435,996
    Nonfarm, nonresidential loans - <$100k 19 $853 $44,895
    Nonfarm, nonresidential loans - $100-250k 133 $16,705 $125,602
    Nonfarm, nonresidential loans - $250k-1MM 1,174 $560,573 $477,490
    Commercial & Industrial, US addressed loans - <$1MM 2,100 $331,526 $157,870
    Commercial & Industrial, US addressed loans - <$100k 779 $26,244 $33,689
    Commercial & Industrial, US addressed loans - $100-250k 596 $68,003 $114,099
    Commercial & Industrial, US addressed loans - $250k-1MM 725 $237,279 $327,281
    Farmland loans - <$1MM 21 $5,994 $285,429
    Farmland loans - $100-250k 3 $429 $143,000
    Farmland loans - $250k-1MM 18 $5,565 $309,167
    Agriculture operations loans - <$1MM 26 $4,251 $163,500
    Agriculture operations loans - <$100k 1 $19 $19,000
    Agriculture operations loans - $100-250k 8 $684 $85,500
    Agriculture operations loans - $250k-1MM 17 $3,548 $208,706