Bank Of Utah Mortgage Rates, Fees & Info

Ogden, UT

LEI: 549300NNL9H573MWO110

Tax ID: 87-0218467

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

    Bank Of Utah is a smaller bank specializing in Home Purchase loans. Bank Of Utah has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Ogden, Logan, Salt Lake City, Provo, and St. George among others. We have data for 30 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Bank Of Utah has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Bank Of Utah 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.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    30 Year Conventional Purchase 6.72% 11/21/24
    30 Year Conventional Refi 6.53% 11/21/24
    30 Year Cash-out Refi 6.72% 11/21/24
    30 Year FHA Purchase 7.62% 11/21/24
    30 Year FHA Refi 6.27% 11/21/24
    30 Year VA Purchase 6.23% 11/21/24
    30 Year USDA Purchase 6.65% 11/21/24
    15 Year Conventional Purchase 6.07% 11/21/24
    15 Year Conventional Refi 6.04% 11/21/24
    15 Year Cash-out Refi 6.04% 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.

    Bank Of Utah Mortgage Calculator






    Your Estimates

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

    This is not an official calculator from Bank Of Utah. 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

    1,177

    Origination Dollar Volume (All Markets)

    $347,735,000

    Employee count

    336 Show all (10) 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
    OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 364 $135,480,000 $372,198 $5,539 4.30%
    LOGAN, UT-ID (FHA|USDA|VA) 285 $70,195,000 $246,298 $4,613 4.09%
    SALT LAKE CITY, UT (FHA|USDA|VA) 188 $50,520,000 $268,723 $5,078 4.43%
    PROVO-OREM, UT (FHA|USDA|VA) 51 $33,755,000 $661,863 $4,365 4.51%
    ST. GEORGE, UT (FHA|USDA|VA) 75 $20,675,000 $275,667 $5,442 4.28%
    Price, UT (FHA|USDA|VA) 101 $11,625,000 $115,099 $2,555 4.96%
    Outside of Metro Areas 59 $10,225,000 $173,305 $2,561 4.70%
    Heber, UT (FHA|USDA|VA) 10 $4,090,000 $409,000 $7,487 4.50%
    Vernal, UT (FHA|USDA|VA) 11 $2,195,000 $199,545 $4,112 4.38%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 3 $1,435,000 $478,333 $12,480 4.21%
    Cedar City, UT (FHA|USDA|VA) 5 $1,095,000 $219,000 $4,996 4.40%
    COLORADO SPRINGS, CO (FHA|USDA|VA) 2 $790,000 $395,000 $5,865 4.59%
    MODESTO, CA (FHA|USDA|VA) 2 $730,000 $365,000 $8,447 3.81%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 2 $500,000 $250,000 $5,657 3.94%
    BOISE CITY, ID (FHA|USDA|VA) 2 $470,000 $235,000 $5,743 3.94%
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 2 $470,000 $235,000 $3,547 3.88%
    Rock Springs, WY (FHA|USDA|VA) 1 $435,000 $435,000 $0 5.00%
    San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 1 $395,000 $395,000 $3,463 3.50%
    Blackfoot, ID (FHA|USDA|VA) 2 $330,000 $165,000 $3,210 4.31%
    LEWISTON, ID-WA (FHA|USDA|VA) 1 $325,000 $325,000 $6,787 4.63%
    Evanston, WY (FHA|USDA|VA) 1 $255,000 $255,000 $0 4.25%
    PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 1 $235,000 $235,000 $720 4.00%
    Sonora, CA (FHA|USDA|VA) 1 $235,000 $235,000 $5,408 3.50%
    BISMARCK, ND (FHA|USDA|VA) 1 $225,000 $225,000 $1,719 3.88%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 1 $215,000 $215,000 $6,153 4.38%
    Elko, NV (FHA|USDA|VA) 1 $215,000 $215,000 $0 3.88%
    SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 1 $205,000 $205,000 $4,098 4.00%
    IDAHO FALLS, ID (FHA|USDA|VA) 1 $185,000 $185,000 $2,550 4.25%
    POCATELLO, ID (FHA|USDA|VA) 1 $135,000 $135,000 $7,214 4.88%
    TWIN FALLS, ID (FHA|USDA|VA) 1 $95,000 $95,000 $5,300 3.88%
    Bank Of Utah's top markets include Ogden, Logan, Salt Lake City, Provo, and St. George among others.

    Their top states include:
  • Utah (FHA|USDA|VA)
  • Idaho (FHA|USDA|VA)
  • Colorado (FHA|USDA|VA)
  • California (FHA|USDA|VA)
  • Texas (FHA|USDA|VA)

    • Similar Lenders

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

    State Bank of Southern Utah
    Similarity Rank: 189
    Jordan Federal Credit Union
    Similarity Rank: 245
    WEBER STATE FEDERAL CREDIT UNION
    Similarity Rank: 329
    CHARTWAY FEDERAL CREDIT UNION
    Similarity Rank: 470
    ADVANTAGE PLUS
    Similarity Rank: 833
    Wasatch Peaks Federal Credit Union
    Similarity Rank: 900
    HOMEAMERICAN MORTGAGE CORPORATION
    Similarity Rank: 1598
    West Gate Bank
    Similarity Rank: 1925
    SUN AMERICAN MORTGAGE COMPANY
    Similarity Rank: 2109
    CYPRUS Federal Credit Union
    Similarity Rank: 2565

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 924 $290,240,000 $314,113 $4,513 4.40%
    FHA 166 $36,490,000 $219,819 $6,055 4.29%
    USDA 50 $9,800,000 $196,000 $3,174 4.04%
    VA 37 $11,205,000 $302,838 $6,755 3.93%

    For 2019, Bank Of Utah's most frequently originated type of loan was Conventional, with 924 originations. Their 2nd most popular type was FHA, with 166 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 847 $261,235,000 $308,424 $4,407 4.49%
    Refi 180 $50,410,000 $280,056 $5,445 3.90%
    Cash Out Refi 143 $34,945,000 $244,371 $6,083 4.12%
    Other 4 $660,000 $165,000 $3,421 4.22%
    Home Improvement 3 $485,000 $161,667 $4,893 5.52%

    For 2019, Bank Of Utah's most frequently cited loan purpose was Home Purchase, with 847 originations. The 2nd most popular reason was Refi, with 180 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 1,053 $264,925,000 $251,591 $4,772 4.40%
    20 Year 57 $13,565,000 $237,982 $4,867 3.86%
    15 Year 43 $9,625,000 $223,837 $4,313 3.49%
    10 Year 12 $4,490,000 $374,167 $3,079 4.90%
    Other 8 $17,530,000 $2,191,250 $6,067 5.19%
    3 Year 2 $36,970,000 $18,485,000 $0 5.25%
    5 Year 2 $630,000 $315,000 $0 5.88%

    For 2019, Bank Of Utah's most frequently cited loan duration was 30 Year, with 1,053 originations. The 2nd most popular length was 20 Year, with 57 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 419 $81,815,000 $195,263
    $3k-4k 199 $53,175,000 $267,211
    $2k-3k 164 $36,920,000 $225,122
    $5k+ 128 $51,580,000 $402,969
    $4k-5k 117 $37,445,000 $320,043
    $1k-2k 88 $19,470,000 $221,250

    Bank Of Utah's average total fees were $4,772, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 419 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 549 $148,925,000 $271,266
    4-5% 479 $136,815,000 $285,626
    5-6% 78 $59,330,000 $760,641
    6-7% 35 $1,995,000 $57,000
    7-8% 34 $320,000 $9,412
    2.5-3% 2 $350,000 $175,000

    During 2019, Bank Of Utah's average interest rate for loans was 4.40%, while their most frequently originated rate bucket for loans was 3-4%, with 549 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 647 $183,805,000 $284,088 $5,499 4.10%
    $100k-200k 263 $41,245,000 $156,825 $3,426 4.25%
    $100,000 or less 128 $4,480,000 $35,000 $1,132 5.95%
    $400k-600k 122 $55,460,000 $454,590 $6,870 4.21%
    $600k-1MM 13 $8,835,000 $679,615 $9,250 4.56%
    $1MM+ 4 $53,910,000 $13,477,500 $0 5.09%

    2019 saw Bank Of Utah place emphasis on $200k-400k loans with 647 originations, totaling $183,805,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 374 $79,080,000 $211,444 $4,359 4.58%
    $75k-100k 228 $61,770,000 $270,921 $5,472 4.27%
    $100k-150k 201 $63,345,000 $315,149 $5,596 4.15%
    $50k or less 200 $29,560,000 $147,800 $3,377 4.36%
    $150k-250k 88 $31,860,000 $362,045 $5,913 4.10%
    $250k+ 39 $14,715,000 $377,308 $6,281 4.12%

    Bank Of Utah lent most frequently to those with incomes in the $50k-75k range, with 374 originations. The second most popular income band? $75k-100k, with 228 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    30-36% 211 $54,735,000 $259,408 $5,086 4.24%
    20-30% 195 $48,545,000 $248,949 $4,555 4.16%
    <20% 71 $16,555,000 $233,169 $3,897 4.06%
    44% 64 $17,060,000 $266,563 $5,077 4.51%
    50-60% 57 $11,995,000 $210,439 $4,814 4.78%
    42% 56 $13,070,000 $233,393 $4,339 4.56%
    36% 56 $14,420,000 $257,500 $4,050 4.28%
    39% 56 $14,820,000 $264,643 $4,827 4.20%
    45% 50 $12,310,000 $246,200 $5,263 4.56%
    40% 50 $12,830,000 $256,600 $4,536 4.53%
    37% 46 $11,420,000 $248,261 $4,743 4.24%
    43% 40 $10,510,000 $262,750 $4,507 4.26%
    38% 37 $8,835,000 $238,784 $4,802 4.46%
    41% 37 $9,685,000 $261,757 $5,744 4.18%
    49% 36 $9,340,000 $259,444 $5,119 4.67%
    47% 35 $7,965,000 $227,571 $5,066 4.30%
    48% 34 $7,340,000 $215,882 $4,365 4.65%
    46% 23 $6,555,000 $285,000 $5,761 4.37%
    >60% 2 $30,000 $15,000 $423 6.35%

    Bank Of Utah lent most frequently to those with DTI ratios of 30-36%, with 211 originations. The next most common DTI ratio? 20-30%, with 195 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 949 $235,295,000 $247,940 $4,800 4.37%
    Not applicable 15 $58,015,000 $3,867,667 $0 5.64%
    Not provided 181 $47,135,000 $260,414 $4,622 4.13%
    Asian 19 $4,155,000 $218,684 $5,257 4.41%
    American Indian 7 $2,175,000 $310,714 $4,073 4.11%
    Native Hawaiian or Islander 3 $535,000 $178,333 $2,055 6.08%
    Black 3 $425,000 $141,667 $1,109 4.58%

    Approval Rates

    Total approvals of all applications
    97.29%

    Bank Of Utah 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
    78.08%

    Bank Of Utah has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 1,177 $347,735,000 $295,442

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Manufactured 2 $260,000 $130,000
    Multifamily:Site-Built 7 $55,325,000 $7,903,571
    Single Family (1-4 Units):Manufactured 25 $2,975,000 $119,000
    Single Family (1-4 Units):Site-Built 1,143 $289,175,000 $252,997

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 35 $5,805,000 $165,857 $3,685 4.09%
    40-60% 114 $74,640,000 $654,737 $4,586 4.04%
    60-80% 329 $98,485,000 $299,347 $5,544 4.16%
    80-100% 604 $165,730,000 $274,387 $5,012 4.21%
    Over 100% 7 $1,725,000 $246,429 $9,203 3.88%
    Under 20% 88 $1,350,000 $15,341 $606 6.62%

    Complaints

    Bank Name Product Issue 2019 CPFB Complaints % of Total Issues
    BANK OF THE WEST Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 1 7.1%
    BANK OF THE WEST Other type of mortgage Trouble during payment process 1 7.1%
    BANK OF THE WEST Other type of mortgage Closing on a mortgage 1 7.1%
    BANK OF THE WEST Other type of mortgage Applying for a mortgage or refinancing an existing mortgage 1 7.1%
    BANK OF THE WEST Home equity loan or line of credit (HELOC) Trouble during payment process 2 14.3%
    BANK OF THE WEST Home equity loan or line of credit (HELOC) Applying for a mortgage or refinancing an existing mortgage 1 7.1%
    BANK OF THE WEST Conventional home mortgage Trouble during payment process 6 42.9%
    BANK OF THE WEST Conventional home mortgage Struggling to pay mortgage 1 7.1%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Bank of Utah 100 South 500 West Bountiful, UT 84010 Full Service B&M $39,588
    Bank of Utah 115 Washington Boulevard Ogden, UT 84404 Full Service B&M $71,028
    Bank of Utah 121 North Gateway Drive Providence, UT 84332 Full Service B&M $28,330
    Bank of Utah 144 South State Street Lindon, UT 84042 Full Service B&M $29,762
    Bank of Utah 2309 South Redwood Road Salt Lake City, UT 84119 Full Service B&M $65,386
    Bank of Utah 25 North Tremont Tremonton, UT 84337 Full Service B&M $40,451
    Bank of Utah 2605 Washington Blvd Ogden, UT 84401 Full Service B&M $320,047
    Bank of Utah 3670 North University Avenue Provo, UT 84604 Full Service B&M $37,322
    Bank of Utah 4605 Harrison Blvd. Suite 100 Ogden, UT 84403 Full Service B&M $92,396
    Bank of Utah 5 East 1400 North Logan, UT 84341 Full Service B&M $47,951
    Bank of Utah 50 South 200 East Salt Lake City, UT 84111 Limited, Trust Office $0
    Bank of Utah 50 South 200 East Salt Lake City, UT 84111 Full Service B&M $74,820
    Bank of Utah 5729 South 1900 West Roy, UT 84067 Full Service B&M $48,926
    Bank of Utah 620 West 100 South Heber City, UT 84032 Full Service B&M $13,585
    Bank of Utah 717 West Antelope Drive Layton, UT 84041 Full Service B&M $50,638
    Bank of Utah 80 East 800 South Brigham City, UT 84302 Full Service B&M $31,414
    Bank of Utah 9320 South State Street Sandy, UT 84070 Full Service B&M $59,985
    Bank of Utah 980 West 830 North Orem, UT 84059 Full Service B&M $17,172

    For 2019, Bank Of Utah had 18 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $65,684
    Net interest income $60,274
    Total noninterest income $24,915
    Gross Fiduciary activities income $10,711
    Service charges on deposit accounts $1,203
    Trading account gains and fees $0
    Additional Noninterest Income $13,001
    Pre-tax net operating income $39,280
    Securities gains (or losses, -) $206
    Income before extraordinary items $30,791
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $30,791
    Minority interest net income $0
    Net income $30,791
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $30,628

    Bank Of Utah's gross interest income from loans was $65,684,000.
    Bank Of Utah's net interest income from loans was $60,274,000.
    Bank Of Utah's fee based income from loans was $1,203,000.
    Bank Of Utah's net income from loans was $30,791,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $5,410
    Provision for credit losses $900
    Total noninterest expense $45,009
    Salaries and employee benefits $29,152
    Premises and equipment expense $3,870
    Additional noninterest expense $11,987
    Applicable income taxes $8,695
    Net charge-offs $-61
    Cash dividends $7,905

    Bank Of Utah's interest expense for loans was $5,410,000.
    Bank Of Utah's payroll and benefits expense were $29,152,000.
    Bank Of Utah's property, plant and equipment expenses $3,870,000.

    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 16.0%
    Credit card loans 0.0%
    Other individual loans 16.0%
    Auto loans 29.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $1,155,253
    Deposits held in domestic offices $1,155,253
    Deposits by Individuals, partnerships, and corporations $1,077,257
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $77,996
    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 $124,164
    Demand deposits $90,442
    Nontransaction accounts $1,031,089
    Money market deposit accounts (MMDAs) $283,386
    Other savings deposits (excluding MMDAs) $664,211
    Total time deposits $83,492
    Total time and savings deposits $1,064,811
    Noninterest-bearing deposits $458,752
    Interest-bearing deposits $696,501
    Retail deposits $1,102,678
    IRAs and Keogh plan accounts $9,854
    Brokered deposits $7,269
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $1,423,151
    Cash & Balances due from depository institutions $163,174
    Interest-bearing balances $141,788
    Total securities $136,420
    Federal funds sold & reverse repurchase $643
    Net loans and leases $1,050,548
    Loan and leases loss allowance $12,561
    Trading account assets $0
    Bank premises and fixed assets $16,832
    Other real estate owned $0
    Goodwill and other intangibles $9,818
    All other assets $45,716

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $1,423,151
    Total Liabilities $1,229,924
    Total deposits $1,155,253
    Interest-bearing deposits $696,501
    Deposits held in domestic offices $1,155,253
    % insured (estimated) $48
    Federal funds purchased and repurchase agreements $63,834
    Trading liabilities $0
    Other borrowed funds $0
    Subordinated debt $0
    All other liabilities $10,837

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $1,050,548
    Loan and leases loss allowance $12,561
    Total loans and leases (domestic) $1,063,109
    All real estate loans $831,266
    Real estate loans in domestic offices $831,266
    Construction and development loans $211,146
    Residential 1-4 family construction $61,472
    Other construction, all land development and other land $149,674
    Loans secured by nonfarm nonresidential properties $520,405
    Nonfarm nonresidential secured by owner-occupied properties $195,992
    Commercial real estate & other non-farm, non-residential $324,413
    Multifamily residential real estate $17,307
    1-4 family residential loans $75,089
    Farmland loans $7,319
    Loans held in foreign offices $0
    Farm loans $5,139
    Commercial and industrial loans $82,110
    To non-U.S. addressees $0
    Loans to individuals $5,166
    Credit card loans $0
    Related Plans $694
    Consumer Auto Loans $2,960
    Other loans to individuals $1,512
    All other loans & leases $140,994
    Loans to foreign governments and official institutions $0
    Other loans $43
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $87
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $430
    Non 1-4 family restructured loans & leases $430
    Total loans and leases (foreign) $0

    Bank of Utah had $1,050,548,000 of loans outstanding in 2019. $831,266,000 of loans were in real estate loans. $211,146,000 of loans were in development loans. $17,307,000 of loans were in multifamily mortgage loans. $75,089,000 of loans were in 1-4 family mortgage loans. $5,139,000 of loans were in farm loans. $0 of loans were in credit card loans. $2,960,000 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 297 $83,875 $282,407
    Nonfarm, nonresidential loans - <$100k 19 $1,046 $55,053
    Nonfarm, nonresidential loans - $100-250k 64 $7,515 $117,422
    Nonfarm, nonresidential loans - $250k-1MM 214 $75,314 $351,935
    Commercial & Industrial, US addressed loans - <$1MM 322 $38,912 $120,845
    Commercial & Industrial, US addressed loans - <$100k 175 $5,186 $29,634
    Commercial & Industrial, US addressed loans - $100-250k 85 $11,001 $129,424
    Commercial & Industrial, US addressed loans - $250k-1MM 62 $22,725 $366,532
    Farmland loans - <$1MM 15 $2,073 $138,200
    Farmland loans - <$100k 5 $193 $38,600
    Farmland loans - $100-250k 4 $334 $83,500
    Farmland loans - $250k-1MM 6 $1,546 $257,667
    Agriculture operations loans - <$1MM 3 $838 $279,333
    Agriculture operations loans - <$100k 1 $55 $55,000
    Agriculture operations loans - $250k-1MM 2 $783 $391,500