Citizens Bank Of Las Cruces Mortgage Rates, Fees & Info

Las Cruces, NM

LEI: 549300L5PE7ZGYRW5Q15

Tax ID: 85-0207454

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

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  • SimulatedRates™
  • Mortgage Calculator

    • Mortgage Data

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

    Citizens Bank Of Las Cruces is a smaller bank specializing in Home Purchase loans. Citizens Bank Of Las Cruces has a high proportion of conventional loans. They have an average proportion of FHA loans. Their top markets by origination volume include: Las Cruces, Carlsbad, El Paso, Danville, and Albuquerque among others. We have data for 14 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Citizens Bank Of Las Cruces 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. Citizens Bank Of Las Cruces 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 6.73% 11/21/24
    30 Year Conventional Refi 6.69% 11/21/24
    30 Year Cash-out Refi 6.91% 11/21/24
    30 Year FHA Purchase 7.31% 11/21/24
    30 Year FHA Refi 7.38% 11/21/24
    30 Year VA Purchase 6.43% 11/21/24
    15 Year Conventional Purchase 7.15% 11/21/24
    15 Year Conventional Refi 6.15% 11/21/24
    15 Year Cash-out Refi 6.15% 11/21/24
    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.

    Citizens Bank Of Las Cruces Mortgage Calculator






    Your Estimates

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

    This is not an official calculator from Citizens Bank Of Las Cruces. 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

    691

    Origination Dollar Volume (All Markets)

    $142,665,000

    Employee count

    108 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
    LAS CRUCES, NM (FHA|USDA|VA) 608 $117,130,000 $192,648 $3,501 4.78%
    Carlsbad-Artesia, NM (FHA|USDA|VA) 1 $8,605,000 $8,605,000 $0 5.00%
    EL PASO, TX (FHA|USDA|VA) 43 $8,225,000 $191,279 $3,912 4.43%
    Danville, VA (FHA|USDA|VA) 1 $3,785,000 $3,785,000 $0 6.00%
    Outside of Metro Areas 18 $1,590,000 $88,333 $1,728 5.94%
    ALBUQUERQUE, NM (FHA|USDA|VA) 6 $1,200,000 $200,000 $3,870 5.02%
    Alamogordo, NM (FHA|USDA|VA) 4 $460,000 $115,000 $2,720 4.31%
    COLORADO SPRINGS, CO (FHA|USDA|VA) 1 $425,000 $425,000 $0 5.13%
    Ruidoso, NM (FHA|USDA|VA) 3 $355,000 $118,333 $2,097 4.71%
    Deming, NM (FHA|USDA|VA) 2 $210,000 $105,000 $1,869 4.88%
    AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 1 $205,000 $205,000 $2,934 4.00%
    ODESSA, TX (FHA|USDA|VA) 1 $185,000 $185,000 $0 5.63%
    Roswell, NM (FHA|USDA|VA) 1 $175,000 $175,000 $5,132 4.00%
    TUCSON, AZ (FHA|USDA|VA) 1 $115,000 $115,000 $2,592 4.50%
    Citizens Bank Of Las Cruces's top markets include Las Cruces, Carlsbad, El Paso, Danville, and Albuquerque among others.

    Their top states include:
  • New Mexico (FHA|USDA|VA)
  • Texas (FHA|USDA|VA)
  • Virginia (FHA|USDA|VA)
  • Colorado (FHA|USDA|VA)
  • Arizona (FHA|USDA|VA)

    • Similar Lenders

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

    EVOLVE
    Similarity Rank: 48
    GECU
    Similarity Rank: 92
    Pioneer Bank
    Similarity Rank: 189
    PATRIOT MORTGAGE COMPANY
    Similarity Rank: 242
    Rocky Mountain Mortgage Company
    Similarity Rank: 385
    FirstLight Federal Credit Union
    Similarity Rank: 432
    Citizens Bank of Las Cruces
    Similarity Rank: 672
    SECURITY SERVICE
    Similarity Rank: 832
    LEGACY MORTGAGE LLC
    Similarity Rank: 858
    Stifel Bank and Trust
    Similarity Rank: 1029

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 494 $103,410,000 $209,332 $2,429 4.91%
    FHA 111 $19,275,000 $173,649 $5,274 4.59%
    VA 86 $19,980,000 $232,326 $6,176 4.40%

    For 2018, Citizens Bank Of Las Cruces's most frequently originated type of loan was Conventional, with 494 originations. Their 2nd most popular type was FHA, with 111 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 628 $134,200,000 $213,694 $3,593 4.76%
    Cash Out Refi 30 $5,140,000 $171,333 $2,503 4.79%
    Refi 17 $1,725,000 $101,471 $2,231 5.35%
    Home Improvement 11 $1,195,000 $108,636 $1,679 5.27%
    Other 5 $405,000 $81,000 $1,476 6.22%

    For 2018, Citizens Bank Of Las Cruces's most frequently cited loan purpose was Home Purchase, with 628 originations. The 2nd most popular reason was Cash Out Refi, with 30 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 559 $106,105,000 $189,812 $3,649 4.73%
    15 Year 83 $13,625,000 $164,157 $2,510 4.72%
    10 Year 16 $1,450,000 $90,625 $2,346 5.71%
    5 Year 14 $5,370,000 $383,571 $0 6.03%
    20 Year 12 $2,320,000 $193,333 $2,336 4.79%
    Other 6 $13,720,000 $2,286,667 $5,189 5.96%
    1 Year 1 $75,000 $75,000 $0 5.50%

    For 2018, Citizens Bank Of Las Cruces's most frequently cited loan duration was 30 Year, with 559 originations. The 2nd most popular length was 15 Year, with 83 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 512 $95,720,000 $186,953
    $1k-2k 53 $10,375,000 $195,755
    $2k-3k 21 $4,325,000 $205,952
    $3k-4k 12 $2,680,000 $223,333
    $4k-5k 5 $3,355,000 $671,000
    $5k+ 2 $540,000 $270,000

    Citizens Bank Of Las Cruces's average total fees were $3,649, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 512 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 472 $97,940,000 $207,500
    5-6% 125 $23,285,000 $186,280
    3-4% 66 $13,980,000 $211,818
    6-7% 21 $6,955,000 $331,190
    Over 8% 4 $240,000 $60,000
    7-8% 3 $265,000 $88,333

    During 2018, Citizens Bank Of Las Cruces's average interest rate for loans was 4.73%, while their most frequently originated rate bucket for loans was 4-5%, with 472 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 342 $50,360,000 $147,251 $3,071 4.75%
    $200k-400k 224 $57,940,000 $258,661 $4,246 4.58%
    $100,000 or less 102 $6,960,000 $68,235 $1,852 5.39%
    $400k-600k 16 $7,210,000 $450,625 $5,687 4.63%
    $600k-1MM 4 $3,200,000 $800,000 $9,115 5.19%
    $1MM+ 3 $16,995,000 $5,665,000 $0 5.92%

    2018 saw Citizens Bank Of Las Cruces place emphasis on $100k-200k loans with 342 originations, totaling $50,360,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 175 $28,475,000 $162,714 $3,525 4.72%
    $50k or less 160 $20,210,000 $126,313 $2,749 4.84%
    $75k-100k 129 $24,105,000 $186,860 $3,677 4.82%
    $100k-150k 126 $27,500,000 $218,254 $3,900 4.73%
    $150k-250k 50 $12,510,000 $250,200 $3,842 4.67%
    $250k+ 37 $11,025,000 $297,973 $4,460 4.99%

    Citizens Bank Of Las Cruces lent most frequently to those with incomes in the $50k-75k range, with 175 originations. The second most popular income band? $50k or less, with 160 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 151 $27,405,000 $181,490 $3,068 4.74%
    30-36% 114 $21,050,000 $184,649 $3,772 4.82%
    <20% 63 $9,765,000 $155,000 $2,494 4.72%
    50-60% 36 $7,420,000 $206,111 $6,058 4.47%
    42% 32 $5,680,000 $177,500 $3,045 4.98%
    37% 32 $5,810,000 $181,563 $2,991 5.11%
    40% 24 $3,460,000 $144,167 $2,956 5.02%
    47% 23 $4,255,000 $185,000 $3,565 4.77%
    41% 23 $4,175,000 $181,522 $3,560 4.78%
    36% 22 $3,330,000 $151,364 $2,192 4.77%
    43% 22 $4,320,000 $196,364 $3,140 4.50%
    48% 21 $4,845,000 $230,714 $4,649 4.69%
    44% 21 $3,675,000 $175,000 $3,712 4.68%
    38% 20 $3,550,000 $177,500 $3,806 5.12%
    46% 20 $3,760,000 $188,000 $4,232 4.62%
    39% 19 $4,245,000 $223,421 $3,865 4.66%
    49% 19 $4,085,000 $215,000 $3,286 4.72%
    45% 18 $3,480,000 $193,333 $3,493 4.78%

    Citizens Bank Of Las Cruces lent most frequently to those with DTI ratios of 20-30%, with 151 originations. The next most common DTI ratio? 30-36%, with 114 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 588 $107,070,000 $182,092 $3,454 4.77%
    Not applicable 10 $18,240,000 $1,824,000 $0 5.85%
    Not provided 62 $10,780,000 $173,871 $3,361 4.84%
    Black 14 $3,340,000 $238,571 $4,812 4.64%
    Asian 12 $2,540,000 $211,667 $4,167 4.57%
    American Indian 4 $500,000 $125,000 $2,419 5.12%
    Other Asian 1 $195,000 $195,000 $2,164 5.13%

    Approval Rates

    Total approvals of all applications
    97.89%

    Citizens Bank Of Las Cruces 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
    92.76%

    Citizens Bank Of Las Cruces has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    1107.76 1 $85,000 $85,000
    1282.44 1 $105,000 $105,000
    1297.75 1 $105,000 $105,000
    283.0 1 $15,000 $15,000
    290.5 1 $25,000 $25,000
    340.5 1 $35,000 $35,000
    375.5 1 $35,000 $35,000
    414.33 1 $25,000 $25,000
    515.5 1 $35,000 $35,000
    718.25 1 $25,000 $25,000
    753.5 1 $15,000 $15,000
    NA 680 $142,160,000 $209,059

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Manufactured 1 $285,000 $285,000
    Multifamily:Site-Built 4 $17,470,000 $4,367,500
    Single Family (1-4 Units):Manufactured 18 $950,000 $52,778
    Single Family (1-4 Units):Site-Built 668 $123,960,000 $185,569

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 25 $6,875,000 $275,000 $2,183 4.96%
    40-60% 51 $14,615,000 $286,569 $2,180 4.92%
    60-80% 200 $39,640,000 $198,200 $2,612 4.98%
    80-100% 384 $75,030,000 $195,391 $3,653 4.65%
    Over 100% 21 $5,725,000 $272,619 $10,439 4.50%
    Under 20% 5 $175,000 $35,000 $501 6.39%

    Complaints

    Bank Name Product Issue 2018 CPFB Complaints % of Total Issues
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 9 5.3%
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Closing on a mortgage 5 2.9%
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Improper use of your report 1 0.6%
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Incorrect information on your report 1 0.6%
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Problem with a credit reporting company's investigation into an existing problem 1 0.6%
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Struggling to pay mortgage 16 9.4%
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Trouble during payment process 36 21.1%
    CITIZENS FINANCIAL GROUP, INC. FHA mortgage Applying for a mortgage or refinancing an existing mortgage 2 1.2%
    CITIZENS FINANCIAL GROUP, INC. FHA mortgage Closing on a mortgage 3 1.8%
    CITIZENS FINANCIAL GROUP, INC. FHA mortgage Struggling to pay mortgage 8 4.7%
    CITIZENS FINANCIAL GROUP, INC. FHA mortgage Trouble during payment process 3 1.8%
    CITIZENS FINANCIAL GROUP, INC. Home equity loan or line of credit (HELOC) Applying for a mortgage or refinancing an existing mortgage 9 5.3%
    CITIZENS FINANCIAL GROUP, INC. Home equity loan or line of credit (HELOC) Closing on a mortgage 3 1.8%
    CITIZENS FINANCIAL GROUP, INC. Home equity loan or line of credit (HELOC) Struggling to pay mortgage 7 4.1%
    CITIZENS FINANCIAL GROUP, INC. Home equity loan or line of credit (HELOC) Trouble during payment process 41 24.0%
    CITIZENS FINANCIAL GROUP, INC. Other type of mortgage Applying for a mortgage or refinancing an existing mortgage 2 1.2%
    CITIZENS FINANCIAL GROUP, INC. Other type of mortgage Closing on a mortgage 3 1.8%
    CITIZENS FINANCIAL GROUP, INC. Other type of mortgage Struggling to pay mortgage 4 2.3%
    CITIZENS FINANCIAL GROUP, INC. Other type of mortgage Trouble during payment process 15 8.8%
    CITIZENS FINANCIAL GROUP, INC. VA mortgage Struggling to pay mortgage 1 0.6%
    CITIZENS FINANCIAL GROUP, INC. VA mortgage Trouble during payment process 1 0.6%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Citizens Bank of Las Cruces 1920 N. Date Street Truth Or Consequences, NM 87901 Full Service B&M $39,670
    Citizens Bank of Las Cruces 2841 N Main St Las Cruces, NM 88001 Full Service B&M $30,052
    Citizens Bank of Las Cruces 3030 W Picacho Ave Las Cruces, NM 88007 Full Service B&M $45,023
    Citizens Bank of Las Cruces 3065 East University Avenue Las Cruces, NM 88011 Full Service B&M $38,043
    Citizens Bank of Las Cruces 3991 East Lohman Ave Las Cruces, NM 88011 Full Service B&M $54,026
    Citizens Bank of Las Cruces 505 S. Main Street Las Cruces, NM 88001 Full Service B&M $271,346

    For 2018, Citizens Bank Of Las Cruces had 6 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $24,954
    Net interest income $23,592
    Total noninterest income $6,687
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $1,147
    Trading account gains and fees $0
    Additional Noninterest Income $5,540
    Pre-tax net operating income $12,844
    Securities gains (or losses, -) $-2
    Income before extraordinary items $12,842
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $12,842
    Minority interest net income $0
    Net income $12,842
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $12,844

    Citizens Bank Of Las Cruces's gross interest income from loans was $24,954,000.
    Citizens Bank Of Las Cruces's net interest income from loans was $23,592,000.
    Citizens Bank Of Las Cruces's fee based income from loans was $1,147,000.
    Citizens Bank Of Las Cruces's net income from loans was $12,842,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $1,362
    Provision for credit losses $720
    Total noninterest expense $16,715
    Salaries and employee benefits $10,122
    Premises and equipment expense $1,554
    Additional noninterest expense $5,039
    Applicable income taxes $0
    Net charge-offs $60
    Cash dividends $8,330

    Citizens Bank Of Las Cruces's interest expense for loans was $1,362,000.
    Citizens Bank Of Las Cruces's payroll and benefits expense were $10,122,000.
    Citizens Bank Of Las Cruces's property, plant and equipment expenses $1,554,000.

    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 $498,993
    Deposits held in domestic offices $498,993
    Deposits by Individuals, partnerships, and corporations $421,909
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $77,085
    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 $49,070
    Demand deposits $33,872
    Nontransaction accounts $449,924
    Money market deposit accounts (MMDAs) $106,994
    Other savings deposits (excluding MMDAs) $287,171
    Total time deposits $55,760
    Total time and savings deposits $465,122
    Noninterest-bearing deposits $166,157
    Interest-bearing deposits $332,836
    Retail deposits $485,872
    IRAs and Keogh plan accounts $9,135
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $559,864
    Cash & Balances due from depository institutions $21,815
    Interest-bearing balances $12,675
    Total securities $119,052
    Federal funds sold & reverse repurchase $0
    Net loans and leases $392,204
    Loan and leases loss allowance $7,099
    Trading account assets $0
    Bank premises and fixed assets $13,046
    Other real estate owned $218
    Goodwill and other intangibles $0
    All other assets $13,529

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $559,864
    Total Liabilities $504,567
    Total deposits $498,993
    Interest-bearing deposits $332,836
    Deposits held in domestic offices $498,993
    % insured (estimated) $69
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $0
    Subordinated debt $0
    All other liabilities $5,574

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $392,204
    Loan and leases loss allowance $7,099
    Total loans and leases (domestic) $399,303
    All real estate loans $329,083
    Real estate loans in domestic offices $329,083
    Construction and development loans $88,093
    Residential 1-4 family construction $22,630
    Other construction, all land development and other land $65,463
    Loans secured by nonfarm nonresidential properties $151,159
    Nonfarm nonresidential secured by owner-occupied properties $40,234
    Commercial real estate & other non-farm, non-residential $110,925
    Multifamily residential real estate $31,556
    1-4 family residential loans $57,651
    Farmland loans $624
    Loans held in foreign offices $0
    Farm loans $2,299
    Commercial and industrial loans $61,000
    To non-U.S. addressees $0
    Loans to individuals $3,624
    Credit card loans $710
    Related Plans $283
    Consumer Auto Loans $1,931
    Other loans to individuals $700
    All other loans & leases $3,297
    Loans to foreign governments and official institutions $0
    Other loans $51
    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 $367
    Non 1-4 family restructured loans & leases $0
    Total loans and leases (foreign) $0

    Citizens Bank of Las Cruces had $392,204,000 of loans outstanding in 2018. $329,083,000 of loans were in real estate loans. $88,093,000 of loans were in development loans. $31,556,000 of loans were in multifamily mortgage loans. $57,651,000 of loans were in 1-4 family mortgage loans. $2,299,000 of loans were in farm loans. $710,000 of loans were in credit card loans. $1,931,000 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 141 $30,759 $218,149
    Nonfarm, nonresidential loans - <$100k 24 $1,058 $44,083
    Nonfarm, nonresidential loans - $100-250k 60 $6,946 $115,767
    Nonfarm, nonresidential loans - $250k-1MM 57 $22,755 $399,211
    Commercial & Industrial, US addressed loans - <$1MM 146 $15,709 $107,596
    Commercial & Industrial, US addressed loans - <$100k 72 $1,769 $24,569
    Commercial & Industrial, US addressed loans - $100-250k 34 $3,077 $90,500
    Commercial & Industrial, US addressed loans - $250k-1MM 40 $10,863 $271,575
    Farmland loans - <$1MM 8 $623 $77,875
    Farmland loans - <$100k 6 $225 $37,500
    Farmland loans - $100-250k 1 $102 $102,000
    Farmland loans - $250k-1MM 1 $296 $296,000
    Agriculture operations loans - <$1MM 8 $372 $46,500
    Agriculture operations loans - <$100k 6 $287 $47,833
    Agriculture operations loans - $100-250k 2 $85 $42,500