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 |

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Mortgage Data

Bank Data

Review & Overview

Citizens Bank Of Las Cruces is a smaller bank specializing in Home Purchase and Refi 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, El Paso, San Diego, Albuquerque, and Ruidoso among others. We have data for 16 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% 3/27/24
30 Year Conventional Refi 6.69% 3/27/24
30 Year Cash-out Refi 6.91% 3/27/24
30 Year FHA Purchase 7.31% 3/27/24
30 Year FHA Refi 7.38% 3/27/24
30 Year VA Purchase 6.43% 3/27/24
15 Year Conventional Purchase 7.15% 3/27/24
15 Year Conventional Refi 6.15% 3/27/24
15 Year Cash-out Refi 6.15% 3/27/24
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

917

Origination Dollar Volume (All Markets)

$193,375,000

Employee count

112

Awards

Citizens Bank of Las Cruces 30 Year Conventional Loans gold Citizens Bank of Las Cruces 30 Year Conventional Loans silver Citizens Bank of Las Cruces FHA Loans silver Citizens Bank of Las Cruces 30 Year Conventional Loans silver
Show all (4) 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) 841 $176,065,000 $209,352 $2,967 3.24%
EL PASO, TX (FHA|USDA|VA) 20 $5,150,000 $257,500 $3,692 3.21%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 2 $4,210,000 $2,105,000 $0 3.88%
Outside of Metro Areas 26 $2,150,000 $82,692 $1,790 4.29%
ALBUQUERQUE, NM (FHA|USDA|VA) 8 $1,630,000 $203,750 $2,120 3.30%
Ruidoso, NM (FHA|USDA|VA) 5 $1,035,000 $207,000 $2,220 3.03%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 1 $1,015,000 $1,015,000 $0 4.75%
Alamogordo, NM (FHA|USDA|VA) 5 $765,000 $153,000 $2,050 3.48%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 1 $305,000 $305,000 $2,489 2.38%
Deming, NM (FHA|USDA|VA) 2 $200,000 $100,000 $2,401 3.69%
WACO, TX (FHA|USDA|VA) 1 $195,000 $195,000 $2,613 3.38%
COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 1 $175,000 $175,000 $0 4.88%
Roswell, NM (FHA|USDA|VA) 1 $165,000 $165,000 $1,100 2.63%
Silver City, NM (FHA|USDA|VA) 1 $145,000 $145,000 $3,974 2.00%
Carlsbad-Artesia, NM (FHA|USDA|VA) 1 $135,000 $135,000 $2,410 3.00%
Great Bend, KS (FHA|USDA|VA) 1 $35,000 $35,000 $0 5.50%
Citizens Bank Of Las Cruces's top markets include Las Cruces, El Paso, San Diego, Albuquerque, and Ruidoso among others.

Their top states include:
  • New Mexico (FHA|USDA|VA)
  • Texas (FHA|USDA|VA)
  • California (FHA|USDA|VA)
  • Tennessee (FHA|USDA|VA)
  • Colorado (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.

    GECU
    Similarity Rank: 118
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    Similarity Rank: 1152
    Rocky Mountain Mortgage Company
    Similarity Rank: 1245
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    Similarity Rank: 1246

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 768 $159,390,000 $207,539 $2,326 3.27%
    VA 76 $20,580,000 $270,789 $5,755 3.22%
    FHA 73 $13,405,000 $183,630 $5,514 3.33%

    For 2020, Citizens Bank Of Las Cruces's most frequently originated type of loan was Conventional, with 768 originations. Their 2nd most popular type was VA, with 76 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 627 $135,815,000 $216,611 $3,280 3.34%
    Refi 216 $43,080,000 $199,444 $2,052 3.00%
    Cash Out Refi 60 $12,330,000 $205,500 $2,519 3.39%
    Home Improvement 7 $1,015,000 $145,000 $2,279 4.34%
    Other 7 $1,135,000 $162,143 $2,684 4.23%

    For 2020, Citizens Bank Of Las Cruces's most frequently cited loan purpose was Home Purchase, with 627 originations. The 2nd most popular reason was Refi, with 216 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 720 $153,740,000 $213,528 $3,100 3.21%
    15 Year 121 $22,525,000 $186,157 $2,213 3.00%
    5 Year 25 $4,015,000 $160,600 $422 5.40%
    20 Year 20 $4,150,000 $207,500 $2,230 3.19%
    10 Year 16 $2,910,000 $181,875 $1,439 3.84%
    Other 8 $2,090,000 $261,250 $2,060 4.21%
    3 Year 5 $3,755,000 $751,000 $0 4.90%
    1 Year 2 $190,000 $95,000 $0 6.00%

    For 2020, Citizens Bank Of Las Cruces's most frequently cited loan duration was 30 Year, with 720 originations. The 2nd most popular length was 15 Year, with 121 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 731 $154,595,000 $211,484
    $1k-2k 49 $9,895,000 $201,939
    $2k-3k 21 $5,285,000 $251,667
    $3k-4k 9 $2,165,000 $240,556
    $4k-5k 5 $2,035,000 $407,000
    $5k+ 3 $1,175,000 $391,667

    Citizens Bank Of Las Cruces's average total fees were $3,100, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 731 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 361 $79,615,000 $220,540
    2.5-3% 356 $78,110,000 $219,410
    <2.5% 94 $20,090,000 $213,723
    4-5% 60 $10,940,000 $182,333
    5-6% 37 $4,145,000 $112,027
    6-7% 4 $360,000 $90,000
    7-8% 2 $80,000 $40,000
    Over 8% 1 $25,000 $25,000

    During 2020, Citizens Bank Of Las Cruces's average interest rate for loans was 3.21%, while their most frequently originated rate bucket for loans was 3-4%, with 361 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 399 $59,875,000 $150,063 $2,506 3.19%
    $200k-400k 366 $98,980,000 $270,437 $3,381 3.13%
    $100,000 or less 102 $7,420,000 $72,745 $1,762 4.21%
    $400k-600k 47 $21,875,000 $465,426 $4,355 3.06%
    $1MM+ 2 $4,320,000 $2,160,000 $0 4.25%
    $600k-1MM 1 $905,000 $905,000 $0 4.00%

    2020 saw Citizens Bank Of Las Cruces place emphasis on $100k-200k loans with 399 originations, totaling $59,875,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 230 $39,210,000 $170,478 $2,887 3.27%
    $100k-150k 189 $45,845,000 $242,566 $3,100 3.27%
    $75k-100k 164 $35,450,000 $216,159 $3,308 3.16%
    $50k or less 141 $19,425,000 $137,766 $2,620 3.32%
    $150k-250k 105 $26,655,000 $253,857 $2,565 3.13%
    $250k+ 52 $16,660,000 $320,385 $3,193 3.12%

    Citizens Bank Of Las Cruces lent most frequently to those with incomes in the $50k-75k range, with 230 originations. The second most popular income band? $100k-150k, with 189 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 232 $48,090,000 $207,284 $2,505 3.18%
    30-36% 171 $36,625,000 $214,181 $2,836 3.16%
    <20% 130 $25,420,000 $195,538 $2,291 3.02%
    40% 40 $9,170,000 $229,250 $3,191 3.20%
    39% 32 $6,570,000 $205,313 $3,496 3.57%
    37% 29 $6,325,000 $218,103 $3,455 3.41%
    43% 27 $5,645,000 $209,074 $3,269 3.61%
    36% 26 $4,450,000 $171,154 $3,102 3.23%
    41% 25 $5,385,000 $215,400 $3,500 3.33%
    47% 24 $5,160,000 $215,000 $3,410 3.42%
    42% 23 $4,865,000 $211,522 $3,515 3.38%
    45% 21 $4,895,000 $233,095 $4,192 3.15%
    50-60% 21 $3,745,000 $178,333 $5,397 3.48%
    38% 21 $4,495,000 $214,048 $3,492 3.30%
    44% 20 $3,800,000 $190,000 $3,431 3.19%
    48% 18 $4,020,000 $223,333 $2,888 3.19%
    46% 16 $3,260,000 $203,750 $3,306 3.30%
    49% 11 $2,095,000 $190,455 $2,894 3.55%
    >60% 2 $200,000 $100,000 $0 6.00%

    Citizens Bank Of Las Cruces lent most frequently to those with DTI ratios of 20-30%, with 232 originations. The next most common DTI ratio? 30-36%, with 171 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 779 $161,735,000 $207,619 $2,943 3.25%
    Not provided 70 $14,260,000 $203,714 $2,885 3.05%
    Not applicable 21 $7,275,000 $346,429 $0 5.05%
    Black 17 $3,645,000 $214,412 $3,274 3.26%
    Asian 15 $3,215,000 $214,333 $2,261 3.04%
    American Indian 12 $2,320,000 $193,333 $2,771 3.24%
    Other Asian 1 $375,000 $375,000 $2,840 2.75%
    Native Hawaiian or Islander 1 $335,000 $335,000 $2,513 2.75%
    Korean 1 $215,000 $215,000 $2,213 2.75%

    Approval Rates

    Total approvals of all applications
    98.79%

    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
    93.46%

    Citizens Bank Of Las Cruces has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    459.25 1 $25,000 $25,000
    528.0 1 $35,000 $35,000
    620.5 1 $45,000 $45,000
    639.25 1 $45,000 $45,000
    NA 913 $193,225,000 $211,637

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 8 $3,060,000 $382,500
    Single Family (1-4 Units):Manufactured 12 $630,000 $52,500
    Single Family (1-4 Units):Site-Built 897 $189,685,000 $211,466

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 32 $5,270,000 $164,688 $2,109 3.25%
    40-60% 123 $20,325,000 $165,244 $2,028 3.48%
    60-80% 311 $66,245,000 $213,006 $2,334 3.30%
    80-100% 428 $96,140,000 $224,626 $3,226 3.19%
    Over 100% 17 $4,885,000 $287,353 $11,567 3.30%
    Under 20% 5 $155,000 $31,000 $587 4.71%

    Complaints

    Bank Name Product Issue 2020 CPFB Complaints % of Total Issues
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 35 12.8%
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Closing on a mortgage 13 4.7%
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Credit monitoring or identity theft protection services 1 0.4%
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Incorrect information on your report 5 1.8%
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Problem with a credit reporting company's investigation into an existing problem 1 0.4%
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Struggling to pay mortgage 26 9.5%
    CITIZENS FINANCIAL GROUP, INC. Conventional home mortgage Trouble during payment process 109 39.8%
    CITIZENS FINANCIAL GROUP, INC. FHA mortgage Applying for a mortgage or refinancing an existing mortgage 3 1.1%
    CITIZENS FINANCIAL GROUP, INC. FHA mortgage Struggling to pay mortgage 6 2.2%
    CITIZENS FINANCIAL GROUP, INC. FHA mortgage Trouble during payment process 7 2.6%
    CITIZENS FINANCIAL GROUP, INC. Home equity loan or line of credit (HELOC) Applying for a mortgage or refinancing an existing mortgage 8 2.9%
    CITIZENS FINANCIAL GROUP, INC. Home equity loan or line of credit (HELOC) Closing on a mortgage 3 1.1%
    CITIZENS FINANCIAL GROUP, INC. Home equity loan or line of credit (HELOC) Struggling to pay mortgage 6 2.2%
    CITIZENS FINANCIAL GROUP, INC. Home equity loan or line of credit (HELOC) Trouble during payment process 20 7.3%
    CITIZENS FINANCIAL GROUP, INC. Other type of mortgage Applying for a mortgage or refinancing an existing mortgage 7 2.6%
    CITIZENS FINANCIAL GROUP, INC. Other type of mortgage Closing on a mortgage 4 1.5%
    CITIZENS FINANCIAL GROUP, INC. Other type of mortgage Struggling to pay mortgage 2 0.7%
    CITIZENS FINANCIAL GROUP, INC. Other type of mortgage Trouble during payment process 11 4.0%
    CITIZENS FINANCIAL GROUP, INC. VA mortgage Struggling to pay mortgage 3 1.1%
    CITIZENS FINANCIAL GROUP, INC. VA mortgage Trouble during payment process 4 1.5%

    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 $48,147
    Citizens Bank of Las Cruces 2500 N Mesa St, Ste A El Paso, TX 79902 Full Service B&M $4,620
    Citizens Bank of Las Cruces 2841 N Main St Las Cruces, NM 88001 Full Service B&M $37,951
    Citizens Bank of Las Cruces 3030 W Picacho Ave Las Cruces, NM 88007 Full Service B&M $58,481
    Citizens Bank of Las Cruces 3065 East University Avenue Las Cruces, NM 88011 Full Service B&M $43,658
    Citizens Bank of Las Cruces 3991 East Lohman Ave Las Cruces, NM 88011 Full Service B&M $66,724
    Citizens Bank of Las Cruces 505 S. Main Street Las Cruces, NM 88001 Full Service B&M $366,609

    For 2020, Citizens Bank Of Las Cruces had 7 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $28,826
    Net interest income $27,277
    Total noninterest income $8,615
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $922
    Trading account gains and fees $0
    Additional Noninterest Income $7,693
    Pre-tax net operating income $15,833
    Securities gains (or losses, -) $4,172
    Income before extraordinary items $20,005
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $20,005
    Minority interest net income $0
    Net income $20,005
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $15,833

    Citizens Bank Of Las Cruces's gross interest income from loans was $28,826,000.
    Citizens Bank Of Las Cruces's net interest income from loans was $27,277,000.
    Citizens Bank Of Las Cruces's fee based income from loans was $922,000.
    Citizens Bank Of Las Cruces's net income from loans was $20,005,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $1,549
    Provision for credit losses $540
    Total noninterest expense $19,519
    Salaries and employee benefits $12,489
    Premises and equipment expense $1,556
    Additional noninterest expense $5,474
    Applicable income taxes $0
    Net charge-offs $17
    Cash dividends $9,604

    Citizens Bank Of Las Cruces's interest expense for loans was $1,549,000.
    Citizens Bank Of Las Cruces's payroll and benefits expense were $12,489,000.
    Citizens Bank Of Las Cruces's property, plant and equipment expenses $1,556,000.

    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 $678,676
    Deposits held in domestic offices $678,676
    Deposits by Individuals, partnerships, and corporations $595,290
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $83,385
    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 $186,755
    Demand deposits $48,702
    Nontransaction accounts $491,920
    Money market deposit accounts (MMDAs) $163,750
    Other savings deposits (excluding MMDAs) $273,214
    Total time deposits $54,956
    Total time and savings deposits $629,973
    Noninterest-bearing deposits $251,086
    Interest-bearing deposits $427,590
    Retail deposits $665,939
    IRAs and Keogh plan accounts $7,990
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $762,020
    Cash & Balances due from depository institutions $131,610
    Interest-bearing balances $124,981
    Total securities $101,034
    Federal funds sold & reverse repurchase $0
    Net loans and leases $498,508
    Loan and leases loss allowance $8,339
    Trading account assets $0
    Bank premises and fixed assets $12,205
    Other real estate owned $79
    Goodwill and other intangibles $0
    All other assets $18,584

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $762,020
    Total Liabilities $684,993
    Total deposits $678,676
    Interest-bearing deposits $427,590
    Deposits held in domestic offices $678,676
    % insured (estimated) $65
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $0
    Subordinated debt $0
    All other liabilities $6,317

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $498,508
    Loan and leases loss allowance $8,339
    Total loans and leases (domestic) $506,847
    All real estate loans $377,285
    Real estate loans in domestic offices $377,285
    Construction and development loans $76,372
    Residential 1-4 family construction $21,348
    Other construction, all land development and other land $55,024
    Loans secured by nonfarm nonresidential properties $199,686
    Nonfarm nonresidential secured by owner-occupied properties $64,677
    Commercial real estate & other non-farm, non-residential $135,009
    Multifamily residential real estate $41,165
    1-4 family residential loans $58,876
    Farmland loans $1,186
    Loans held in foreign offices $0
    Farm loans $1,247
    Commercial and industrial loans $124,207
    To non-U.S. addressees $0
    Loans to individuals $2,796
    Credit card loans $621
    Related Plans $210
    Consumer Auto Loans $1,262
    Other loans to individuals $703
    All other loans & leases $1,312
    Loans to foreign governments and official institutions $0
    Other loans $28
    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 $941
    Non 1-4 family restructured loans & leases $702
    Total loans and leases (foreign) $0

    Citizens Bank of Las Cruces had $498,508,000 of loans outstanding in 2020. $377,285,000 of loans were in real estate loans. $76,372,000 of loans were in development loans. $41,165,000 of loans were in multifamily mortgage loans. $58,876,000 of loans were in 1-4 family mortgage loans. $1,247,000 of loans were in farm loans. $621,000 of loans were in credit card loans. $1,262,000 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 130 $27,561 $212,008
    Nonfarm, nonresidential loans - <$100k 21 $785 $37,381
    Nonfarm, nonresidential loans - $100-250k 52 $5,682 $109,269
    Nonfarm, nonresidential loans - $250k-1MM 57 $21,094 $370,070
    Commercial & Industrial, US addressed loans - <$1MM 892 $58,153 $65,194
    Commercial & Industrial, US addressed loans - <$100k 709 $17,812 $25,123
    Commercial & Industrial, US addressed loans - $100-250k 108 $13,436 $124,407
    Commercial & Industrial, US addressed loans - $250k-1MM 75 $26,905 $358,733
    Farmland loans - <$1MM 6 $680 $113,333
    Farmland loans - <$100k 4 $104 $26,000
    Farmland loans - $250k-1MM 2 $576 $288,000
    Agriculture operations loans - <$1MM 4 $92 $23,000
    Agriculture operations loans - <$100k 4 $92 $23,000