Home Loan Investment Bank F.s.b. Mortgage Rates, Fees & Info

Warwick, RI

LEI: 549300LLQD0X2OTG0Y27

Tax ID: 05-0283864

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Mortgage Data

Bank Data

Review & Overview

Home Loan Investment Bank F.s.b. is a smaller bank specializing in Home Purchase loans. They have a a high proportion of FHA loans. Home Loan Investment Bank F.s.b. has a high proportion of conventional loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Providence, Boston, Worcester, Manchester, and New York among others. We have data for 272 markets. (Some data included below & more in-depth data is available with an active subscription.)

Home Loan Investment Bank F.s.b. has a below average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Home Loan Investment Bank F.s.b. 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 6.70% 3/28/24
30 Year Conventional Refi 6.79% 3/28/24
30 Year Cash-out Refi 6.99% 3/28/24
30 Year FHA Purchase 7.25% 3/28/24
30 Year FHA Refi 7.21% 3/28/24
30 Year VA Purchase 6.17% 3/28/24
15 Year Conventional Purchase 6.36% 3/28/24
15 Year Conventional Refi 6.10% 3/28/24
15 Year Cash-out Refi 6.10% 3/28/24
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.

Home Loan Investment Bank F.s.b. Mortgage Calculator






Your Estimates

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

This is not an official calculator from Home Loan Investment Bank F.s.b.. 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

1,611

Origination Dollar Volume (All Markets)

$151,565,000

Employee count

130

Awards

Home Loan Investment Bank F.S.B. FHA Loans bronze
Show all (1) 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
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 425 $87,855,000 $206,718 $4,044 5.38%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 115 $28,195,000 $245,174 $4,589 5.05%
WORCESTER, MA-CT (FHA|USDA|VA) 24 $3,060,000 $127,500 $3,284 5.53%
MANCHESTER-NASHUA, NH (FHA|USDA|VA) 14 $2,230,000 $159,286 $3,037 5.16%
Outside of Metro Areas 86 $1,880,000 $21,860 $1,329 6.81%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 29 $1,495,000 $51,552 $1,703 6.68%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 56 $1,360,000 $24,286 $1,317 6.49%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 29 $1,155,000 $39,828 $1,964 6.94%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 15 $905,000 $60,333 $1,765 6.43%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 44 $890,000 $20,227 $1,224 6.02%
Concord, NH (FHA|USDA|VA) 8 $850,000 $106,250 $1,953 5.94%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 7 $725,000 $103,571 $4,568 5.78%
BARNSTABLE TOWN, MA (FHA|USDA|VA) 3 $625,000 $208,333 $4,857 4.50%
NORWICH-NEW LONDON, CT (FHA|USDA|VA) 7 $575,000 $82,143 $2,777 6.25%
KANSAS CITY, MO-KS (FHA|USDA|VA) 27 $555,000 $20,556 $1,250 6.74%
TULSA, OK (FHA|USDA|VA) 22 $500,000 $22,727 $1,412 6.60%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 21 $495,000 $23,571 $1,328 7.18%
COLUMBUS, OH (FHA|USDA|VA) 23 $485,000 $21,087 $1,306 6.37%
WILMINGTON, NC (FHA|USDA|VA) 1 $455,000 $455,000 $16,315 4.25%
SALT LAKE CITY, UT (FHA|USDA|VA) 4 $450,000 $112,500 $2,528 5.86%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 8 $410,000 $51,250 $1,754 7.81%
ELKHART-GOSHEN, IN (FHA|USDA|VA) 21 $405,000 $19,286 $1,130 6.47%
PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 2 $390,000 $195,000 $5,038 4.69%
OCEAN CITY, NJ (FHA|USDA|VA) 1 $385,000 $385,000 $5,251 5.00%
PUNTA GORDA, FL (FHA|USDA|VA) 2 $370,000 $185,000 $2,961 5.75%
STAUNTON, VA (FHA|USDA|VA) 1 $345,000 $345,000 $3,918 5.13%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 15 $345,000 $23,000 $1,352 5.99%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 14 $340,000 $24,286 $1,391 5.74%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 14 $340,000 $24,286 $1,273 5.82%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 16 $310,000 $19,375 $1,250 6.89%
Sebastian-Vero Beach, FL (FHA|USDA|VA) 1 $285,000 $285,000 $7,962 4.75%
PITTSBURGH, PA (FHA|USDA|VA) 9 $275,000 $30,556 $1,622 5.81%
SALISBURY, MD-DE (FHA|USDA|VA) 11 $275,000 $25,000 $1,489 6.27%
ST. LOUIS, MO-IL (FHA|USDA|VA) 13 $275,000 $21,154 $1,168 6.18%
NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 1 $265,000 $265,000 $3,746 4.63%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 13 $255,000 $19,615 $1,295 7.03%
SPRINGFIELD, MA (FHA|USDA|VA) 14 $250,000 $17,857 $1,170 6.45%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 8 $240,000 $30,000 $1,469 4.91%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 11 $235,000 $21,364 $1,161 6.50%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 9 $235,000 $26,111 $1,190 7.41%
WICHITA, KS (FHA|USDA|VA) 9 $205,000 $22,778 $1,423 8.24%
RALEIGH-CARY, NC (FHA|USDA|VA) 9 $205,000 $22,778 $1,384 6.86%
Lebanon, NH-VT (FHA|USDA|VA) 2 $200,000 $100,000 $4,471 5.13%
DOVER, DE (FHA|USDA|VA) 8 $200,000 $25,000 $1,471 7.31%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 4 $190,000 $47,500 $1,772 6.22%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 8 $180,000 $22,500 $1,393 6.76%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 7 $155,000 $22,143 $1,384 6.75%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 3 $155,000 $51,667 $1,634 5.79%
TERRE HAUTE, IN (FHA|USDA|VA) 7 $155,000 $22,143 $1,238 7.16%
Berlin, NH (FHA|USDA|VA) 1 $155,000 $155,000 $3,301 4.00%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 8 $150,000 $18,750 $1,114 6.78%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 6 $140,000 $23,333 $1,421 5.42%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 8 $140,000 $17,500 $1,224 6.30%
SHEBOYGAN, WI (FHA|USDA|VA) 7 $135,000 $19,286 $1,219 6.52%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 6 $130,000 $21,667 $1,409 7.32%
LOUISVILLE, KY (FHA|USDA|VA) 2 $130,000 $65,000 $2,530 4.88%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 5 $125,000 $25,000 $1,301 6.09%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 6 $120,000 $20,000 $1,295 6.12%
RACINE, WI (FHA|USDA|VA) 5 $115,000 $23,000 $1,341 7.53%
MORGANTOWN, WV (FHA|USDA|VA) 5 $105,000 $21,000 $1,343 6.44%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 4 $100,000 $25,000 $1,562 5.72%
CARBONDALE-MARION, IL (FHA|USDA|VA) 4 $100,000 $25,000 $1,226 5.30%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 4 $100,000 $25,000 $1,507 9.00%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 4 $100,000 $25,000 $1,460 6.19%
TOLEDO, OH (FHA|USDA|VA) 5 $95,000 $19,000 $1,256 7.95%
AKRON, OH (FHA|USDA|VA) 4 $90,000 $22,500 $1,324 7.30%
OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 4 $90,000 $22,500 $1,160 5.85%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 4 $90,000 $22,500 $1,404 8.00%
SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 5 $85,000 $17,000 $1,193 6.75%
Rochelle, IL (FHA|USDA|VA) 1 $85,000 $85,000 $4,165 4.25%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 4 $80,000 $20,000 $1,295 7.25%
McPherson, KS (FHA|USDA|VA) 4 $80,000 $20,000 $1,117 7.13%
Warrensburg, MO (FHA|USDA|VA) 3 $75,000 $25,000 $1,174 6.08%
SYRACUSE, NY (FHA|USDA|VA) 3 $75,000 $25,000 $1,433 6.58%
LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 3 $75,000 $25,000 $1,459 8.58%
BAKERSFIELD, CA (FHA|USDA|VA) 3 $75,000 $25,000 $1,507 6.25%
LIMA, OH (FHA|USDA|VA) 4 $70,000 $17,500 $1,079 6.38%
Bluefield, WV-VA (FHA|USDA|VA) 2 $70,000 $35,000 $2,918 5.35%
Kendallville, IN (FHA|USDA|VA) 4 $70,000 $17,500 $971 8.25%
DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 4 $70,000 $17,500 $1,055 6.13%
OKLAHOMA CITY, OK (FHA|USDA|VA) 4 $70,000 $17,500 $1,215 7.05%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 3 $65,000 $21,667 $1,377 7.82%
SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 3 $65,000 $21,667 $1,386 8.25%
GADSDEN, AL (FHA|USDA|VA) 3 $65,000 $21,667 $1,310 7.92%
JACKSONVILLE, FL (FHA|USDA|VA) 3 $65,000 $21,667 $1,399 5.98%
ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) 3 $65,000 $21,667 $1,117 7.92%
Watertown-Fort Atkinson, WI (FHA|USDA|VA) 3 $65,000 $21,667 $1,091 5.32%
Ottawa, IL (FHA|USDA|VA) 3 $65,000 $21,667 $933 5.58%
LAFAYETTE, LA (FHA|USDA|VA) 3 $65,000 $21,667 $936 5.48%
PINE BLUFF, AR (FHA|USDA|VA) 3 $65,000 $21,667 $1,364 7.25%
Sandusky, OH (FHA|USDA|VA) 3 $65,000 $21,667 $1,344 6.48%
SPRINGFIELD, IL (FHA|USDA|VA) 3 $65,000 $21,667 $1,411 6.42%
HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) 3 $55,000 $18,333 $916 4.75%
NILES, MI (FHA|USDA|VA) 3 $55,000 $18,333 $1,293 5.48%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 3 $55,000 $18,333 $1,268 9.08%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 3 $55,000 $18,333 $1,254 6.25%
Pontiac, IL (FHA|USDA|VA) 3 $55,000 $18,333 $1,290 8.15%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 3 $55,000 $18,333 $1,295 6.42%
JEFFERSON CITY, MO (FHA|USDA|VA) 3 $55,000 $18,333 $1,130 6.42%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 2 $50,000 $25,000 $1,431 7.50%
RICHMOND, VA (FHA|USDA|VA) 2 $50,000 $25,000 $1,507 7.50%
COLORADO SPRINGS, CO (FHA|USDA|VA) 2 $50,000 $25,000 $1,436 5.60%
EAST STROUDSBURG, PA (FHA|USDA|VA) 2 $50,000 $25,000 $1,437 6.50%
Elko, NV (FHA|USDA|VA) 2 $50,000 $25,000 $1,507 5.85%
Pinehurst-Southern Pines, NC (FHA|USDA|VA) 2 $50,000 $25,000 $1,507 7.25%
PEORIA, IL (FHA|USDA|VA) 2 $50,000 $25,000 $1,458 8.00%
PARKERSBURG-VIENNA, WV (FHA|USDA|VA) 2 $50,000 $25,000 $1,500 5.35%
CHAMPAIGN-URBANA, IL (FHA|USDA|VA) 2 $50,000 $25,000 $922 5.75%
AMARILLO, TX (FHA|USDA|VA) 2 $50,000 $25,000 $1,507 8.35%
CANTON-MASSILLON, OH (FHA|USDA|VA) 2 $50,000 $25,000 $1,507 7.50%
BOISE CITY, ID (FHA|USDA|VA) 2 $50,000 $25,000 $1,507 5.75%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 2 $50,000 $25,000 $1,441 8.63%
ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) 2 $50,000 $25,000 $1,507 7.00%
TOPEKA, KS (FHA|USDA|VA) 2 $50,000 $25,000 $1,424 4.50%
TRENTON-PRINCETON, NJ (FHA|USDA|VA) 2 $50,000 $25,000 $1,507 6.10%
JOPLIN, MO (FHA|USDA|VA) 2 $50,000 $25,000 $1,507 6.25%
LYNCHBURG, VA (FHA|USDA|VA) 2 $50,000 $25,000 $1,507 7.50%
WAUSAU-WESTON, WI (FHA|USDA|VA) 2 $50,000 $25,000 $1,477 6.75%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 2 $40,000 $20,000 $1,231 4.25%
Beaver Dam, WI (FHA|USDA|VA) 2 $40,000 $20,000 $1,331 7.25%
BLOOMINGTON, IN (FHA|USDA|VA) 2 $40,000 $20,000 $828 5.10%
BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) 2 $40,000 $20,000 $1,382 6.75%
Clarksburg, WV (FHA|USDA|VA) 2 $40,000 $20,000 $1,367 6.50%
Fremont, OH (FHA|USDA|VA) 2 $40,000 $20,000 $1,397 7.50%
Galesburg, IL (FHA|USDA|VA) 2 $40,000 $20,000 $1,344 5.25%
GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 2 $40,000 $20,000 $1,235 6.50%
KINGSTON, NY (FHA|USDA|VA) 2 $40,000 $20,000 $1,231 7.85%
LEBANON, PA (FHA|USDA|VA) 2 $40,000 $20,000 $1,228 6.00%
LINCOLN, NE (FHA|USDA|VA) 2 $40,000 $20,000 $1,291 8.75%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 2 $40,000 $20,000 $1,284 8.75%
New Philadelphia-Dover, OH (FHA|USDA|VA) 2 $40,000 $20,000 $1,334 7.50%
VISALIA, CA (FHA|USDA|VA) 2 $40,000 $20,000 $1,241 7.25%
Whitewater, WI (FHA|USDA|VA) 2 $40,000 $20,000 $1,372 5.25%
Woodward, OK (FHA|USDA|VA) 2 $40,000 $20,000 $1,227 6.35%
PITTSFIELD, MA (FHA|USDA|VA) 1 $35,000 $35,000 $1,947 6.25%
McAlester, OK (FHA|USDA|VA) 2 $30,000 $15,000 $1,124 6.50%
APPLETON, WI (FHA|USDA|VA) 2 $30,000 $15,000 $1,009 5.60%
BLOOMINGTON, IL (FHA|USDA|VA) 2 $30,000 $15,000 $842 6.25%
SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 2 $30,000 $15,000 $1,117 5.75%
PROVO-OREM, UT (FHA|USDA|VA) 2 $30,000 $15,000 $944 6.75%
COLUMBIA, SC (FHA|USDA|VA) 2 $30,000 $15,000 $1,103 5.75%
YORK-HANOVER, PA (FHA|USDA|VA) 2 $30,000 $15,000 $1,220 8.00%
FOND DU LAC, WI (FHA|USDA|VA) 2 $30,000 $15,000 $1,116 6.60%
JONESBORO, AR (FHA|USDA|VA) 1 $25,000 $25,000 $1,354 8.95%
NEW BERN, NC (FHA|USDA|VA) 1 $25,000 $25,000 $1,507 6.95%
New Castle, IN (FHA|USDA|VA) 1 $25,000 $25,000 $1,507 7.25%
HOUMA-THIBODAUX, LA (FHA|USDA|VA) 1 $25,000 $25,000 $1,507 8.75%
ALBANY, GA (FHA|USDA|VA) 1 $25,000 $25,000 $1,507 7.75%
Holland, MI (FHA|USDA|VA) 1 $25,000 $25,000 $1,507 5.95%
Heber, UT (FHA|USDA|VA) 1 $25,000 $25,000 $1,363 5.75%
Norfolk, NE (FHA|USDA|VA) 1 $25,000 $25,000 $1,507 8.75%
North Platte, NE (FHA|USDA|VA) 1 $25,000 $25,000 $1,494 6.75%
Harrison, AR (FHA|USDA|VA) 1 $25,000 $25,000 $1,507 8.75%
HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 1 $25,000 $25,000 $1,507 6.25%
BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) 1 $25,000 $25,000 $1,384 5.95%
Lebanon, MO (FHA|USDA|VA) 1 $25,000 $25,000 $1,507 6.95%
Meadville, PA (FHA|USDA|VA) 1 $25,000 $25,000 $1,366 8.75%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 1 $25,000 $25,000 $1,507 9.75%
Laconia, NH (FHA|USDA|VA) 1 $25,000 $25,000 $1,507 5.95%
KNOXVILLE, TN (FHA|USDA|VA) 1 $25,000 $25,000 $1,507 9.75%
Montrose, CO (FHA|USDA|VA) 1 $25,000 $25,000 $507 3.75%
KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 1 $25,000 $25,000 $1,470 9.75%
MORRISTOWN, TN (FHA|USDA|VA) 1 $25,000 $25,000 $1,507 7.75%
SALINAS, CA (FHA|USDA|VA) 1 $25,000 $25,000 $1,507 6.25%
Clewiston, FL (FHA|USDA|VA) 1 $25,000 $25,000 $507 3.75%
Chillicothe, OH (FHA|USDA|VA) 1 $25,000 $25,000 $1,507 7.25%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 1 $25,000 $25,000 $1,507 9.75%
CHICO, CA (FHA|USDA|VA) 1 $25,000 $25,000 $1,507 7.25%
Sanford, NC (FHA|USDA|VA) 1 $25,000 $25,000 $1,507 5.95%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 1 $25,000 $25,000 $1,517 9.95%
Charleston-Mattoon, IL (FHA|USDA|VA) 1 $25,000 $25,000 $1,507 6.75%
Centralia, IL (FHA|USDA|VA) 1 $25,000 $25,000 $507 4.25%
Celina, OH (FHA|USDA|VA) 1 $25,000 $25,000 $507 3.75%
Shawano, WI (FHA|USDA|VA) 1 $25,000 $25,000 $507 4.25%
Shelby, NC (FHA|USDA|VA) 1 $25,000 $25,000 $1,507 8.25%
Shelbyville, TN (FHA|USDA|VA) 1 $25,000 $25,000 $1,507 6.25%
SIOUX FALLS, SD (FHA|USDA|VA) 1 $25,000 $25,000 $1,507 5.95%
CaƱon City, CO (FHA|USDA|VA) 1 $25,000 $25,000 $1,498 6.25%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 1 $25,000 $25,000 $1,325 6.95%
BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) 1 $25,000 $25,000 $1,367 8.75%
Burlington, IA-IL (FHA|USDA|VA) 1 $25,000 $25,000 $1,394 6.75%
Sterling, IL (FHA|USDA|VA) 1 $25,000 $25,000 $1,507 5.95%
ST. GEORGE, UT (FHA|USDA|VA) 1 $25,000 $25,000 $1,507 6.25%
Bucyrus-Galion, OH (FHA|USDA|VA) 1 $25,000 $25,000 $1,507 6.25%
STOCKTON, CA (FHA|USDA|VA) 1 $25,000 $25,000 $1,507 6.25%
Susanville, CA (FHA|USDA|VA) 1 $25,000 $25,000 $1,507 6.95%
Manitowoc, WI (FHA|USDA|VA) 1 $25,000 $25,000 $507 4.25%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 1 $25,000 $25,000 $1,432 6.25%
Tiffin, OH (FHA|USDA|VA) 1 $25,000 $25,000 $1,507 5.75%
Auburn, IN (FHA|USDA|VA) 1 $25,000 $25,000 $1,309 8.75%
Athens, TN (FHA|USDA|VA) 1 $25,000 $25,000 $1,448 6.95%
ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 1 $25,000 $25,000 $1,454 8.75%
Truckee-Grass Valley, CA (FHA|USDA|VA) 1 $25,000 $25,000 $1,507 5.75%
TUCSON, AZ (FHA|USDA|VA) 1 $25,000 $25,000 $1,507 5.95%
Vincennes, IN (FHA|USDA|VA) 1 $25,000 $25,000 $1,355 9.75%
Wabash, IN (FHA|USDA|VA) 1 $25,000 $25,000 $1,507 6.25%
Wapakoneta, OH (FHA|USDA|VA) 1 $25,000 $25,000 $1,507 6.25%
Ardmore, OK (FHA|USDA|VA) 1 $25,000 $25,000 $507 4.25%
Warsaw, IN (FHA|USDA|VA) 1 $25,000 $25,000 $1,507 7.25%
ANNISTON-OXFORD, AL (FHA|USDA|VA) 1 $25,000 $25,000 $1,417 6.75%
ANCHORAGE, AK (FHA|USDA|VA) 1 $25,000 $25,000 $1,507 6.95%
YUMA, AZ (FHA|USDA|VA) 1 $25,000 $25,000 $1,342 6.25%
Winfield, KS (FHA|USDA|VA) 1 $25,000 $25,000 $1,507 6.95%
Logansport, IN (FHA|USDA|VA) 1 $25,000 $25,000 $1,375 7.25%
MADISON, WI (FHA|USDA|VA) 1 $25,000 $25,000 $1,507 4.75%
GETTYSBURG, PA (FHA|USDA|VA) 1 $25,000 $25,000 $507 4.25%
Ottawa, KS (FHA|USDA|VA) 1 $25,000 $25,000 $1,507 6.95%
Paducah, KY-IL (FHA|USDA|VA) 1 $25,000 $25,000 $1,429 6.25%
Pahrump, NV (FHA|USDA|VA) 1 $25,000 $25,000 $1,507 8.75%
FORT WAYNE, IN (FHA|USDA|VA) 1 $25,000 $25,000 $1,426 6.25%
Peru, IN (FHA|USDA|VA) 1 $25,000 $25,000 $1,321 6.95%
Fort Madison-Keokuk, IA-IL-MO (FHA|USDA|VA) 1 $25,000 $25,000 $1,507 7.25%
Fort Leonard Wood, MO (FHA|USDA|VA) 1 $25,000 $25,000 $1,427 8.75%
Point Pleasant, WV-OH (FHA|USDA|VA) 1 $25,000 $25,000 $1,507 6.25%
Ponca City, OK (FHA|USDA|VA) 1 $25,000 $25,000 $1,507 8.75%
Easton, MD (FHA|USDA|VA) 1 $25,000 $25,000 $1,400 6.25%
DULUTH, MN-WI (FHA|USDA|VA) 1 $25,000 $25,000 $507 4.25%
POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) 1 $25,000 $25,000 $1,507 5.95%
DECATUR, IL (FHA|USDA|VA) 1 $25,000 $25,000 $1,507 9.75%
DAYTON-KETTERING, OH (FHA|USDA|VA) 1 $25,000 $25,000 $1,517 9.95%
READING, PA (FHA|USDA|VA) 1 $25,000 $25,000 $1,316 6.25%
Red Bluff, CA (FHA|USDA|VA) 1 $25,000 $25,000 $1,507 7.25%
REDDING, CA (FHA|USDA|VA) 1 $25,000 $25,000 $1,507 6.25%
Richmond, IN (FHA|USDA|VA) 1 $25,000 $25,000 $1,507 6.95%
CUMBERLAND, MD-WV (FHA|USDA|VA) 1 $25,000 $25,000 $1,507 9.25%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 1 $25,000 $25,000 $1,507 7.25%
Crawfordsville, IN (FHA|USDA|VA) 1 $25,000 $25,000 $1,364 6.25%
ROCKY MOUNT, NC (FHA|USDA|VA) 1 $25,000 $25,000 $1,517 7.50%
Ruston, LA (FHA|USDA|VA) 1 $25,000 $25,000 $1,507 6.25%
SALEM, OR (FHA|USDA|VA) 1 $25,000 $25,000 $1,507 8.25%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 2 $20,000 $10,000 $921 6.00%
Russellville, AR (FHA|USDA|VA) 2 $20,000 $10,000 $770 6.25%
Ashland, OH (FHA|USDA|VA) 2 $20,000 $10,000 $982 6.50%
Sikeston, MO (FHA|USDA|VA) 2 $20,000 $10,000 $946 5.50%
Tupelo, MS (FHA|USDA|VA) 1 $15,000 $15,000 $1,156 6.95%
TWIN FALLS, ID (FHA|USDA|VA) 1 $15,000 $15,000 $912 7.75%
ABILENE, TX (FHA|USDA|VA) 1 $15,000 $15,000 $1,158 7.95%
Garden City, KS (FHA|USDA|VA) 1 $15,000 $15,000 $1,147 7.25%
Lewisburg, TN (FHA|USDA|VA) 1 $15,000 $15,000 $1,198 8.75%
ASHEVILLE, NC (FHA|USDA|VA) 1 $15,000 $15,000 $1,116 5.75%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 1 $15,000 $15,000 $1,154 4.25%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 1 $15,000 $15,000 $1,054 9.25%
GREENVILLE, NC (FHA|USDA|VA) 1 $15,000 $15,000 $1,200 4.25%
FLAGSTAFF, AZ (FHA|USDA|VA) 1 $15,000 $15,000 $1,220 5.75%
Findlay, OH (FHA|USDA|VA) 1 $15,000 $15,000 $912 6.95%
Ogdensburg-Massena, NY (FHA|USDA|VA) 1 $15,000 $15,000 $507 3.75%
Mount Pleasant, TX (FHA|USDA|VA) 1 $15,000 $15,000 $1,200 9.75%
Elkins, WV (FHA|USDA|VA) 1 $15,000 $15,000 $946 7.75%
Mount Vernon, OH (FHA|USDA|VA) 1 $15,000 $15,000 $1,134 8.25%
WILLIAMSPORT, PA (FHA|USDA|VA) 1 $15,000 $15,000 $1,062 8.25%
Pottsville, PA (FHA|USDA|VA) 1 $15,000 $15,000 $1,136 6.75%
Searcy, AR (FHA|USDA|VA) 1 $15,000 $15,000 $1,181 6.25%
Dodge City, KS (FHA|USDA|VA) 1 $15,000 $15,000 $1,284 7.25%
HANFORD-CORCORAN, CA (FHA|USDA|VA) 1 $15,000 $15,000 $507 4.25%
Taylorville, IL (FHA|USDA|VA) 1 $15,000 $15,000 $930 8.75%
Dayton, TN (FHA|USDA|VA) 1 $15,000 $15,000 $1,258 7.25%
ALBUQUERQUE, NM (FHA|USDA|VA) 1 $15,000 $15,000 $868 6.95%
LEWISTON-AUBURN, ME (FHA|USDA|VA) 1 $15,000 $15,000 $1,002 4.25%
Marietta, OH (FHA|USDA|VA) 1 $15,000 $15,000 $507 4.25%
RENO, NV (FHA|USDA|VA) 1 $15,000 $15,000 $1,134 5.95%
Washington, IN (FHA|USDA|VA) 1 $15,000 $15,000 $1,053 7.25%
ALBANY-LEBANON, OR (FHA|USDA|VA) 1 $15,000 $15,000 $1,159 5.75%
GRAND ISLAND, NE (FHA|USDA|VA) 1 $15,000 $15,000 $1,056 6.25%
Salina, KS (FHA|USDA|VA) 1 $15,000 $15,000 $979 8.75%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 1 $15,000 $15,000 $1,284 8.75%
London, KY (FHA|USDA|VA) 1 $15,000 $15,000 $1,160 7.25%
Camden, AR (FHA|USDA|VA) 1 $15,000 $15,000 $954 5.25%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 1 $15,000 $15,000 $1,047 6.75%
WINSTON-SALEM, NC (FHA|USDA|VA) 1 $15,000 $15,000 $507 4.25%
AMES, IA (FHA|USDA|VA) 1 $5,000 $5,000 $865 4.25%
WHEELING, WV-OH (FHA|USDA|VA) 1 $5,000 $5,000 $907 7.75%
Paragould, AR (FHA|USDA|VA) 1 $5,000 $5,000 $890 5.75%
Home Loan Investment Bank F.s.b.'s top markets include Providence, Boston, Worcester, Manchester, and New York among others.

Their top states include:
  • Rhode Island (FHA|USDA|VA)
  • Massachusetts (FHA|USDA|VA)
  • New Hampshire (FHA|USDA|VA)
  • Indiana (FHA|USDA|VA)
  • California (FHA|USDA|VA)
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    FHA 1,245 $54,555,000 $43,819 $1,937 6.55%
    Conventional 348 $90,650,000 $260,489 $3,736 4.73%
    VA 17 $6,185,000 $363,824 $8,408 4.67%
    USDA 1 $175,000 $175,000 $4,675 4.75%

    For 2018, Home Loan Investment Bank F.s.b.'s most frequently originated type of loan was FHA, with 1,245 originations. Their 2nd most popular type was Conventional, with 348 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Improvement 1,124 $24,100,000 $21,441 $1,290 6.73%
    Home Purchase 400 $108,360,000 $270,900 $5,100 4.76%
    Cash Out Refi 49 $11,485,000 $234,388 $4,611 4.78%
    Refi 38 $7,620,000 $200,526 $3,756 4.62%

    For 2018, Home Loan Investment Bank F.s.b.'s most frequently cited loan purpose was Home Improvement, with 1,124 originations. The 2nd most popular reason was Home Purchase, with 400 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    20 Year 543 $14,505,000 $26,713 $1,416 7.39%
    30 Year 452 $119,740,000 $264,912 $5,024 4.79%
    15 Year 272 $10,560,000 $38,824 $1,523 6.48%
    10 Year 135 $2,815,000 $20,852 $1,258 6.71%
    Other 113 $2,225,000 $19,690 $1,140 5.24%
    5 Year 78 $1,390,000 $17,821 $1,119 4.81%
    3 Year 18 $330,000 $18,333 $1,047 4.04%

    For 2018, Home Loan Investment Bank F.s.b.'s most frequently cited loan duration was 20 Year, with 543 originations. The 2nd most popular length was 30 Year, with 452 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 1,029 $127,615,000 $124,018
    $<1k 533 $10,155,000 $19,053
    $2k-3k 31 $7,995,000 $257,903
    $3k-4k 11 $2,975,000 $270,455
    $5k+ 4 $1,570,000 $392,500
    $4k-5k 3 $1,255,000 $418,333

    Home Loan Investment Bank F.s.b.'s average total fees were $5,024, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 1,029 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 484 $93,550,000 $193,285
    5-6% 322 $32,000,000 $99,379
    6-7% 291 $6,425,000 $22,079
    Over 8% 269 $5,945,000 $22,100
    7-8% 174 $3,810,000 $21,897
    3-4% 71 $9,835,000 $138,521

    During 2018, Home Loan Investment Bank F.s.b.'s average interest rate for loans was 4.79%, while their most frequently originated rate bucket for loans was 4-5%, with 484 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 1,141 $25,405,000 $22,266 $1,328 6.70%
    $200k-400k 274 $76,860,000 $280,511 $5,291 4.79%
    $100k-200k 142 $23,110,000 $162,746 $3,962 4.75%
    $400k-600k 46 $20,720,000 $450,435 $5,637 4.66%
    $600k-1MM 8 $5,470,000 $683,750 $9,050 4.30%

    2018 saw Home Loan Investment Bank F.s.b. place emphasis on $100,000 or less loans with 1,141 originations, totaling $25,405,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 408 $42,320,000 $103,725 $2,347 5.91%
    $50k-75k 403 $34,335,000 $85,199 $2,431 6.33%
    $75k-100k 392 $34,350,000 $87,628 $2,426 6.21%
    $150k-250k 201 $22,865,000 $113,756 $2,408 5.89%
    $50k or less 180 $11,660,000 $64,778 $2,300 6.49%
    $250k+ 27 $6,035,000 $223,519 $2,679 5.07%

    Home Loan Investment Bank F.s.b. lent most frequently to those with incomes in the $100k-150k range, with 408 originations. The second most popular income band? $50k-75k, with 403 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 347 $25,305,000 $72,925 $1,820 5.79%
    30-36% 319 $21,225,000 $66,536 $1,989 6.45%
    44% 142 $10,260,000 $72,254 $2,030 6.88%
    42% 97 $8,755,000 $90,258 $2,392 6.54%
    43% 94 $6,810,000 $72,447 $2,411 6.62%
    36% 79 $5,825,000 $73,734 $2,029 6.59%
    <20% 77 $4,535,000 $58,896 $1,546 5.45%
    41% 65 $7,005,000 $107,769 $2,430 6.23%
    39% 65 $5,125,000 $78,846 $2,062 6.28%
    38% 62 $5,000,000 $80,645 $2,128 6.34%
    40% 59 $5,705,000 $96,695 $2,430 6.24%
    37% 51 $6,905,000 $135,392 $2,711 6.29%
    50-60% 41 $11,145,000 $271,829 $7,853 4.85%
    49% 36 $8,770,000 $243,611 $4,368 4.78%
    48% 21 $5,015,000 $238,810 $5,564 4.85%
    46% 18 $4,450,000 $247,222 $4,906 4.88%
    47% 17 $4,755,000 $279,706 $4,680 4.91%
    45% 16 $3,830,000 $239,375 $4,748 4.94%
    >60% 5 $1,145,000 $229,000 $4,237 4.73%

    Home Loan Investment Bank F.s.b. lent most frequently to those with DTI ratios of 20-30%, with 347 originations. The next most common DTI ratio? 30-36%, with 319 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,395 $124,595,000 $89,315 $2,251 6.16%
    Not provided 75 $13,485,000 $179,800 $4,242 5.09%
    Black 107 $10,185,000 $95,187 $2,994 6.67%
    Asian 26 $3,130,000 $120,385 $2,672 5.58%
    American Indian 4 $90,000 $22,500 $1,387 8.30%
    Korean 2 $50,000 $25,000 $1,436 4.75%
    Native Hawaiian or Islander 2 $30,000 $15,000 $1,167 7.25%

    Approval Rates

    Total approvals of all applications
    66.84%

    Home Loan Investment Bank F.s.b. has a low approval rate. They may have poor market targeting or stringent lending standards.

    Pick Rate

    Approvals leading to origination
    17.19%

    Home Loan Investment Bank F.s.b. 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
    NA 1,611 $151,565,000 $94,081

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Single Family (1-4 Units):Site-Built 1,611 $151,565,000 $94,081

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 8 $1,450,000 $181,250 $3,864 4.30%
    40-60% 30 $7,630,000 $254,333 $3,695 4.50%
    60-80% 136 $34,960,000 $257,059 $4,082 4.76%
    80-100% 307 $81,575,000 $265,717 $5,364 4.79%
    Over 100% 5 $1,775,000 $355,000 $12,520 4.65%
    Under 20% 1 $75,000 $75,000 $2,544 4.50%

    Complaints

    Bank Name Product Issue 2018 CPFB Complaints % of Total Issues
    Home Loan Center, Inc. Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 9 64.3%
    Home Loan Center, Inc. Home equity loan or line of credit (HELOC) Applying for a mortgage or refinancing an existing mortgage 1 7.1%
    Home Loan Center, Inc. Home equity loan or line of credit (HELOC) Problem with a credit reporting company's investigation into an existing problem 1 7.1%
    Home Loan Center, Inc. Other type of mortgage Applying for a mortgage or refinancing an existing mortgage 2 14.3%
    Home Loan Center, Inc. Other type of mortgage Closing on a mortgage 1 7.1%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Home Loan Investment Bank, F.S.B. 1 Home Loan Plaza, Suite 3 Warwick, RI 2886 Full Service B&M $0
    Home Loan Investment Bank, F.S.B. 244 Weybosset Street Providence, RI 2903 Full Service B&M $40,972
    Home Loan Investment Bank, F.S.B. 40 Airport Road Warwick, RI 2889 Full Service B&M $192,648

    For 2018, Home Loan Investment Bank F.s.b. had 3 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $17,997
    Net interest income $13,345
    Total noninterest income $6,052
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $4
    Trading account gains and fees $0
    Additional Noninterest Income $6,048
    Pre-tax net operating income $2,711
    Securities gains (or losses, -) $0
    Income before extraordinary items $2,711
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $2,711
    Minority interest net income $0
    Net income $2,711
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $2,711

    Home Loan Investment Bank F.s.b.'s gross interest income from loans was $17,997,000.
    Home Loan Investment Bank F.s.b.'s net interest income from loans was $13,345,000.
    Home Loan Investment Bank F.s.b.'s fee based income from loans was $4,000.
    Home Loan Investment Bank F.s.b.'s net income from loans was $2,711,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $4,652
    Provision for credit losses $1,330
    Total noninterest expense $15,356
    Salaries and employee benefits $7,794
    Premises and equipment expense $799
    Additional noninterest expense $6,763
    Applicable income taxes $0
    Net charge-offs $879
    Cash dividends $0

    Home Loan Investment Bank F.s.b.'s interest expense for loans was $4,652,000.
    Home Loan Investment Bank F.s.b.'s payroll and benefits expense were $7,794,000.
    Home Loan Investment Bank F.s.b.'s property, plant and equipment expenses $799,000.

    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 0.0%
    Multifamily residential loans 6.0%
    1-4 family residential loans 1.0%
    HELOC loans 0.0%
    All other family 1.0%
    Commercial & industrial loans 0.0%
    Personal loans 1.0%
    Credit card loans 0.0%
    Other individual loans 1.0%
    Auto loans 1.0%
    Other consumer loans 1.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $253,435
    Deposits held in domestic offices $253,435
    Deposits by Individuals, partnerships, and corporations $208,834
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $0
    Deposits by Commercial banks and other depository institutions in U.S. $44,601
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $15,536
    Demand deposits $15,536
    Nontransaction accounts $237,899
    Money market deposit accounts (MMDAs) $113
    Other savings deposits (excluding MMDAs) $50,934
    Total time deposits $186,852
    Total time and savings deposits $237,899
    Noninterest-bearing deposits $11,558
    Interest-bearing deposits $241,877
    Retail deposits $235,569
    IRAs and Keogh plan accounts $28,400
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $302,006
    Cash & Balances due from depository institutions $21,720
    Interest-bearing balances $21,317
    Total securities $1,664
    Federal funds sold & reverse repurchase $0
    Net loans and leases $266,073
    Loan and leases loss allowance $3,905
    Trading account assets $0
    Bank premises and fixed assets $3,588
    Other real estate owned $218
    Goodwill and other intangibles $1,400
    All other assets $7,343

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $302,006
    Total Liabilities $273,671
    Total deposits $253,435
    Interest-bearing deposits $241,877
    Deposits held in domestic offices $253,435
    % insured (estimated) $94
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $18,000
    Subordinated debt $0
    All other liabilities $2,236

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $266,073
    Loan and leases loss allowance $3,905
    Total loans and leases (domestic) $269,978
    All real estate loans $186,187
    Real estate loans in domestic offices $186,187
    Construction and development loans $0
    Residential 1-4 family construction $0
    Other construction, all land development and other land $0
    Loans secured by nonfarm nonresidential properties $35,571
    Nonfarm nonresidential secured by owner-occupied properties $27,540
    Commercial real estate & other non-farm, non-residential $8,031
    Multifamily residential real estate $460
    1-4 family residential loans $150,156
    Farmland loans $0
    Loans held in foreign offices $0
    Farm loans $407
    Commercial and industrial loans $144
    To non-U.S. addressees $0
    Loans to individuals $83,240
    Credit card loans $0
    Related Plans $0
    Consumer Auto Loans $55,995
    Other loans to individuals $27,245
    All other loans & leases $0
    Loans to foreign governments and official institutions $0
    Other loans $0
    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 $10,877
    Non 1-4 family restructured loans & leases $1,209
    Total loans and leases (foreign) $0

    Home Loan Investment Bank F.S.B. had $266,073,000 of loans outstanding in 2018. $186,187,000 of loans were in real estate loans. $0 of loans were in development loans. $460,000 of loans were in multifamily mortgage loans. $150,156,000 of loans were in 1-4 family mortgage loans. $407,000 of loans were in farm loans. $0 of loans were in credit card loans. $55,995,000 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 162 $35,571 $219,574
    Nonfarm, nonresidential loans - <$100k 6 $69 $11,500
    Nonfarm, nonresidential loans - $100-250k 29 $1,532 $52,828
    Nonfarm, nonresidential loans - $250k-1MM 127 $33,970 $267,480
    Commercial & Industrial, US addressed loans - <$1MM 4 $144 $36,000
    Commercial & Industrial, US addressed loans - <$100k 1 $3 $3,000
    Commercial & Industrial, US addressed loans - $100-250k 2 $42 $21,000
    Commercial & Industrial, US addressed loans - $250k-1MM 1 $99 $99,000
    Agriculture operations loans - <$1MM 1 $407 $407,000
    Agriculture operations loans - $250k-1MM 1 $407 $407,000