Stride Bank Mortgage Rates, Fees & Info

Enid, OK

LEI: 549300O5WDIJU8S7OI05

Tax ID: 73-0783952

4 stars - out of 5 stars, based on 39 reviews

2021 Data | 2020 Data | 2019 Data | 2018 Data


Overview

Stride Bank is a smaller bank specializing in Home Purchase loans. Stride Bank 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 include Oklahoma City, Tulsa, Stillwater, Austin, and Enid among others. Stride Bank has an above average approval rate for mortages when compared nationally. They have a below average pick rate when compared to the same sample of other lendors. Stride Bank is typically an average fee lendor.


Originations

1,498

Origination Dollar Volume (All Markets)

$351,290,000

Employee count

286

Awards

Stride Bank FHA Loans gold
Show all (1) awards

Relative Rate

Stride Bank's average 30 year fixed rate mortgage of loans were 3.28%.

The 2021 average 30 year fixed rate mortgage across all markets of loans were 3.15%.

This yields a difference of 0.13%.

Relative Fees

Stride Bank's average total fees for a 30 year fixed rate mortgage are $5,331.

The average total origination fees for 30 year fixed rate mortgages (for all loan values, including both points & up-front fees in addition to origination fees) are $4,750.

Top Markets

Market Originations Total Value Average Loan Average Fees Average Rate
OKLAHOMA CITY, OK (FHA|USDA|VA) 925 $210,565,000 $227,638 $5,103 3.26%
TULSA, OK (FHA|USDA|VA) 154 $43,700,000 $283,766 $5,250 3.29%
Stillwater, OK (FHA|USDA|VA) 132 $27,700,000 $209,848 $4,362 3.31%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 24 $7,630,000 $317,917 $6,378 3.11%
Outside of Metro Areas 42 $7,370,000 $175,476 $5,349 3.37%
ENID, OK (FHA|USDA|VA) 41 $6,975,000 $170,122 $4,163 3.65%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 13 $4,265,000 $328,077 $6,601 3.17%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 15 $3,975,000 $265,000 $6,174 3.24%
Shawnee, OK (FHA|USDA|VA) 14 $3,090,000 $220,714 $6,471 3.53%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 1 $2,475,000 $2,475,000 $0 4.25%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 6 $2,320,000 $386,667 $9,068 3.44%
Bartlesville, OK (FHA|USDA|VA) 13 $2,085,000 $160,385 $4,748 3.41%
McAlester, OK (FHA|USDA|VA) 12 $1,660,000 $138,333 $4,619 3.24%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 6 $1,620,000 $270,000 $5,104 3.31%
Durant, OK (FHA|USDA|VA) 7 $1,505,000 $215,000 $7,339 3.39%
KANSAS CITY, MO-KS (FHA|USDA|VA) 4 $1,340,000 $335,000 $2,675 2.75%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 3 $1,315,000 $438,333 $10,344 3.04%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 3 $1,105,000 $368,333 $11,202 2.96%
NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 2 $1,090,000 $545,000 $8,701 3.38%
COLORADO SPRINGS, CO (FHA|USDA|VA) 3 $895,000 $298,333 $2,886 3.50%
POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) 2 $660,000 $330,000 $11,670 2.75%
GREELEY, CO (FHA|USDA|VA) 2 $650,000 $325,000 $2,811 3.00%
ST. LOUIS, MO-IL (FHA|USDA|VA) 1 $645,000 $645,000 $10,470 2.75%
EL PASO, TX (FHA|USDA|VA) 2 $610,000 $305,000 $4,080 3.25%
Branson, MO (FHA|USDA|VA) 2 $600,000 $300,000 $3,422 3.88%
BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 2 $600,000 $300,000 $6,841 3.81%
Plainview, TX (FHA|USDA|VA) 1 $595,000 $595,000 $0 3.00%
BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) 2 $590,000 $295,000 $13,331 3.38%
Kalispell, MT (FHA|USDA|VA) 1 $545,000 $545,000 $3,264 3.25%
NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN (FHA|USDA|VA) 1 $485,000 $485,000 $3,545 2.88%
RALEIGH-CARY, NC (FHA|USDA|VA) 1 $475,000 $475,000 $2,778 3.38%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 1 $445,000 $445,000 $3,969 2.75%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 2 $440,000 $220,000 $5,895 3.56%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 2 $420,000 $210,000 $3,073 3.00%
WICHITA, KS (FHA|USDA|VA) 2 $410,000 $205,000 $5,089 3.00%
Ponca City, OK (FHA|USDA|VA) 5 $395,000 $79,000 $3,959 4.45%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 1 $385,000 $385,000 $20,700 2.38%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 1 $375,000 $375,000 $5,722 3.25%
LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 1 $345,000 $345,000 $2,308 3.00%
HOT SPRINGS, AR (FHA|USDA|VA) 1 $335,000 $335,000 $2,373 2.88%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 1 $325,000 $325,000 $11,242 3.75%
MERCED, CA (FHA|USDA|VA) 1 $325,000 $325,000 $2,937 3.38%
GULFPORT-BILOXI, MS (FHA|USDA|VA) 1 $305,000 $305,000 $10,516 2.88%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 1 $305,000 $305,000 $2,792 3.25%
Tahlequah, OK (FHA|USDA|VA) 2 $300,000 $150,000 $3,911 3.94%
FORT SMITH, AR-OK (FHA|USDA|VA) 2 $300,000 $150,000 $5,292 3.31%
BELLINGHAM, WA (FHA|USDA|VA) 1 $295,000 $295,000 $3,120 3.13%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 1 $285,000 $285,000 $5,681 3.00%
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 1 $265,000 $265,000 $3,593 3.13%
LONGVIEW, TX (FHA|USDA|VA) 1 $265,000 $265,000 $8,684 3.00%
Muskogee, OK (FHA|USDA|VA) 2 $260,000 $130,000 $3,580 3.31%
TYLER, TX (FHA|USDA|VA) 1 $255,000 $255,000 $8,355 3.50%
ANNISTON-OXFORD, AL (FHA|USDA|VA) 1 $255,000 $255,000 $3,411 4.38%
Cullowhee, NC (FHA|USDA|VA) 1 $255,000 $255,000 $5,022 2.88%
RENO, NV (FHA|USDA|VA) 1 $245,000 $245,000 $4,053 3.25%
Woodward, OK (FHA|USDA|VA) 2 $240,000 $120,000 $3,783 3.44%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 1 $235,000 $235,000 $8,613 3.00%
MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 1 $235,000 $235,000 $2,262 2.63%
Duncan, OK (FHA|USDA|VA) 2 $230,000 $115,000 $2,970 3.06%
Weatherford, OK (FHA|USDA|VA) 2 $230,000 $115,000 $5,160 3.00%
LUBBOCK, TX (FHA|USDA|VA) 1 $225,000 $225,000 $6,484 2.88%
WACO, TX (FHA|USDA|VA) 1 $225,000 $225,000 $9,048 3.00%
ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) 1 $215,000 $215,000 $11,298 3.63%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 1 $205,000 $205,000 $4,050 3.25%
Altus, OK (FHA|USDA|VA) 1 $205,000 $205,000 $3,628 3.25%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 1 $205,000 $205,000 $7,534 3.25%
Paris, TX (FHA|USDA|VA) 1 $195,000 $195,000 $7,103 3.25%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 1 $185,000 $185,000 $0 3.63%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 1 $175,000 $175,000 $3,292 3.13%
LOUISVILLE/JEFFERSON COUNTY, KY-IN (FHA|USDA|VA) 1 $155,000 $155,000 $1,579 2.88%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 1 $155,000 $155,000 $3,263 3.13%
LAS CRUCES, NM (FHA|USDA|VA) 1 $155,000 $155,000 $4,056 2.50%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 1 $155,000 $155,000 $2,307 2.50%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 1 $155,000 $155,000 $3,426 2.88%
TALLAHASSEE, FL (FHA|USDA|VA) 1 $145,000 $145,000 $4,114 3.00%
LAREDO, TX (FHA|USDA|VA) 1 $135,000 $135,000 $2,152 2.63%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 1 $125,000 $125,000 $0 3.75%
TUCSON, AZ (FHA|USDA|VA) 1 $95,000 $95,000 $2,657 2.63%
Hutchinson, KS (FHA|USDA|VA) 1 $85,000 $85,000 $2,888 3.38%

Stride Bank's top markets include Oklahoma City, Tulsa, Stillwater, Austin, and Enid among others.

Product Mix

Loan Type Originations Total Value Average Loan Average Fees Average Rate
Conventional 1,000 $238,780,000 $238,780 $3,857 3.28%
FHA 336 $65,640,000 $195,357 $7,350 3.39%
VA 141 $43,655,000 $309,610 $8,216 3.06%
USDA 21 $3,215,000 $153,095 $5,369 3.14%

For the 2021 period, Stride Bank's most frequently originated loan type of loans were Conventional, with 1,000 originations. Their 2nd most popular type is FHA, with 336 originations.

Loan Reason

Loan Reason Originations Total Value Average Loan Average Fees Average Rate
Home Purchase 1,274 $292,580,000 $229,655 $5,338 3.30%
Refi 125 $38,955,000 $311,640 $3,746 3.03%
Cash Out Refi 98 $19,620,000 $200,204 $4,476 3.43%
Home Improvement 1 $135,000 $135,000 $3,649 2.75%

For the 2021, Stride Bank's most frequently cited loan purpose of loans were Home Purchase, with 1,274 originations. The 2nd most popular reason of loans were Refi, with 125 originations.

Loan Duration/Length

Loan Length Originations Total Value Average Loan Average Fees Average Rate
30 Year 1,311 $316,775,000 $241,629 $5,331 3.28%
15 Year 106 $19,380,000 $182,830 $3,588 2.85%
5 Year 25 $3,305,000 $132,200 $0 4.31%
10 Year 24 $2,960,000 $123,333 $2,803 3.61%
20 Year 22 $5,180,000 $235,455 $3,558 3.40%
Other 7 $3,205,000 $457,857 $4,519 4.13%
1 Year 3 $485,000 $161,667 $3,068 4.42%

For the 2021, Stride Bank's most frequently cited loan length of loans were 30 Year, with 1,311 originations. The 2nd most popular length of loans were 15 Year, with 106 originations.

Origination Fees

Origination Fee Originations Total Value Average Loan
$1k-2k 1,163 $257,545,000 $221,449
$2k-3k 71 $17,115,000 $241,056
$3k-4k 69 $19,225,000 $278,623
$<1k 67 $15,425,000 $230,224
$5k+ 24 $8,260,000 $344,167

$5,331 of loans were Stride Bank's average total fees, while their most frequently occuring range of origination fees were in the $1k-2k bucket, with 1,163 originations.

Interest Rates

Loan Rate Originations Total Value Average Loan
3-4% 983 $216,655,000 $220,402
2.5-3% 387 $93,815,000 $242,416
4-5% 67 $27,375,000 $408,582
<2.5% 53 $12,735,000 $240,283
5-6% 7 $655,000 $93,571
6-7% 1 $55,000 $55,000

During 2021, Stride Bank's average interest rate of loans were 3.28%, while their most frequently originated rate bucket of loans were 3-4%, with 983 originations.

Loan Sizing

Loan Size Originations Total Value Average Loan Average Fees Average Rate
$200k-400k 691 $189,265,000 $273,900 $5,797 3.23%
$100k-200k 586 $89,100,000 $152,048 $4,459 3.31%
$100,000 or less 127 $9,965,000 $78,465 $3,750 3.53%
$400k-600k 83 $39,505,000 $475,964 $5,483 3.11%
$600k-1MM 7 $4,935,000 $705,000 $15,358 3.38%
$1MM+ 4 $18,520,000 $4,630,000 $5,403 4.09%

2021 saw Stride Bank place emphasis on $200k-400k loans with 691 originations, totaling $189,265,000 in origination value.

Applicant Income

Applicant Income Originations Total Value Average Loan Average Fees Average Rate
$50k-75k 388 $76,000,000 $195,876 $5,376 3.27%
$100k-150k 308 $85,000,000 $275,974 $5,485 3.24%
$50k or less 285 $40,745,000 $142,965 $4,717 3.28%
$75k-100k 285 $65,455,000 $229,667 $5,279 3.24%
$150k-250k 139 $45,685,000 $328,669 $4,817 3.21%
$250k+ 44 $12,210,000 $277,500 $3,887 3.45%

Stride Bank lent most frequently to those with incomes in the $50k-75k range, with 388 originations. The second most popular income band? $100k-150k, with 308 originations.

Applicant Debt to Income Ratio

DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
20-30% 318 $67,990,000 $213,805 $4,542 3.18%
30-36% 289 $63,735,000 $220,536 $4,759 3.29%
<20% 89 $17,455,000 $196,124 $3,836 3.25%
50-60% 79 $19,625,000 $248,418 $7,556 3.27%
42% 64 $14,250,000 $222,656 $5,362 3.29%
43% 59 $13,055,000 $221,271 $5,431 3.31%
44% 59 $12,655,000 $214,492 $5,359 3.32%
41% 56 $12,060,000 $215,357 $5,291 3.33%
38% 53 $12,995,000 $245,189 $5,110 3.20%
39% 50 $10,750,000 $215,000 $5,584 3.26%
49% 49 $11,895,000 $242,755 $6,068 3.22%
40% 48 $11,740,000 $244,583 $5,119 3.32%
36% 45 $10,895,000 $242,111 $4,779 3.24%
47% 44 $12,760,000 $290,000 $5,925 3.22%
45% 41 $9,035,000 $220,366 $5,540 3.36%
48% 40 $9,120,000 $228,000 $5,783 3.23%
46% 36 $8,560,000 $237,778 $6,370 3.25%
37% 34 $7,170,000 $210,882 $5,532 3.47%
>60% 3 $725,000 $241,667 $3,673 3.81%

Stride Bank lent most frequently to those with DTI ratios of 20-30%, with 318 originations. The next most common DTI ratio? 30-36%, with 289 originations.

Ethnicity Mix

Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
White 1,070 $238,210,000 $222,626 $5,055 3.26%
Not provided 234 $53,400,000 $228,205 $5,491 3.24%
Not applicable 34 $23,110,000 $679,706 $0 4.37%
American Indian 68 $13,830,000 $203,382 $4,807 3.26%
Black 52 $12,480,000 $240,000 $5,880 3.36%
Asian 35 $9,095,000 $259,857 $5,791 3.09%
Native Hawaiian 4 $850,000 $212,500 $4,073 3.03%
Native Hawiian 1 $315,000 $315,000 $3,584 3.13%

Approval Rates

Total approvals of all applications
96.09%

Stride Bank 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
79.90%

Stride Bank has a below average pick rate.

Points and Fees

Points Originations Total Value Average Loan
NA 1,498 $351,290,000 $234,506

Occupancy Type Mix

Dwelling Type Originations Total Value Average Loan
1,498 $351,290,000 $234,506

LTV Distribution

Loan to Value Originations Total Value Average Loan Average Fees Average Rate
20-40% 41 $5,145,000 $125,488 $3,480 3.04%
40-60% 77 $12,405,000 $161,104 $3,457 3.04%
60-80% 361 $77,295,000 $214,114 $3,955 3.34%
80-100% 957 $223,355,000 $233,391 $5,388 3.29%
Over 100% 50 $30,990,000 $619,800 $13,053 3.36%
Under 20% 4 $390,000 $97,500 $2,347 3.66%

Bank Details

Branches

Bank Name Branch Branch Type Deposits (000's)
Stride Bank, National Association 1225 N. Broadway Avenue, Suite 201 Oklahoma City, OK 73103 Full Service B&M $3,495
Stride Bank, National Association 127 South Main Street Mooreland, OK 73852 Full Service B&M $23,988
Stride Bank, National Association 1902 Southeast Washington Boulevard Bartlesville, OK 74006 Full Service B&M $16,863
Stride Bank, National Association 2219 West Willow Enid, OK 73703 Full Service B&M $53,524
Stride Bank, National Association 224 East Blackwell Street Blackwell, OK 74631 Limited, Drive-thru $0
Stride Bank, National Association 2730 Williams Street Woodward, OK 73801 Full Service B&M $39,689
Stride Bank, National Association 324 West Broadway Enid, OK 73701 Full Service B&M $1,528,035
Stride Bank, National Association 331 S Rio Grande St Ste 307 Salt Lake City, UT 84101 Full Service B&M $911
Stride Bank, National Association 402 West Randolph Street Enid, OK 73701 Limited, Drive-thru $0
Stride Bank, National Association 8811 S Yale Ave., Suite 101 Tulsa, OK 74137 Full Service B&M $47,080
Stride Bank, National Association 102 North Main Street Blackwell, OK 74631 Full Service B&M $51,097

For 2021, Stride Bank had 11 branches.

Yearly Performance Overview

Bank Income

Item Value (in 000's)
Total interest income $40,763
Net interest income $38,249
Total noninterest income $46,718
Gross Fiduciary activities income $3,583
Service charges on deposit accounts $2,829
Trading account gains and fees $0
Additional Noninterest Income $40,306
Pre-tax net operating income $26,252
Securities gains (or losses, -) $0
Income before extraordinary items $19,504
Discontinued Operations (Extraordinary gains, net) $0
Net income of bank and minority interests $19,504
Minority interest net income $0
Net income $19,504
Sale, conversion, retirement of capital stock, net $0
Net operating income $19,504

Stride Bank's gross interest income from loans was $40,763,000.
Stride Bank's net interest income from loans was $38,249,000.
Stride Bank's fee based income from loans was $2,829,000.
Stride Bank's net income from loans was $19,504,000.

Bank Expenses

Item Value (in 000's)
Total interest expense $2,514
Provision for credit losses $4,280
Total noninterest expense $54,435
Salaries and employee benefits $36,855
Premises and equipment expense $4,015
Additional noninterest expense $13,565
Applicable income taxes $6,748
Net charge-offs $3,093
Cash dividends $5,200

Stride Bank's interest expense for loans was $2,514,000.
Stride Bank's payroll and benefits expense were $36,855,000.
Stride Bank's property, plant and equipment expenses $4,015,000.

Loan Performance

Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
All loans 0.0%
Real Estate loans 1.0%
Construction & Land Development loans 0.0%
Nonfarm, nonresidential loans 1.0%
Multifamily residential loans 11.0%
1-4 family residential loans 0.0%
HELOC loans 0.0%
All other family 0.0%
Commercial & industrial loans 3.0%
Personal loans 0.0%
Credit card loans 0.0%
Other individual loans 1.0%
Auto loans 0.0%
Other consumer loans 1.0%
Unsecured commercial real estate loans 0.0%

Deposits

Type Value (in 000's)
Total deposits $2,059,209
Deposits held in domestic offices $2,059,209
Deposits by Individuals, partnerships, and corporations $2,033,372
Deposits by U.S. Government $5
Deposits by States and political subdivisions in the U.S. $25,733
Deposits by Commercial banks and other depository institutions in U.S. $99
Deposits by Banks in foreign countries $0
Deposits by Foreign governments and official institutions $0
Transaction accounts $1,529,166
Demand deposits $1,481,804
Nontransaction accounts $530,043
Money market deposit accounts (MMDAs) $116,966
Other savings deposits (excluding MMDAs) $346,433
Total time deposits $66,644
Total time and savings deposits $577,405
Noninterest-bearing deposits $1,647,156
Interest-bearing deposits $412,053
Retail deposits $1,847,772
IRAs and Keogh plan accounts $11,570
Brokered deposits $199,119
Deposits held in foreign offices $0

Assets

Asset Value (in 000's)
Total Assets $2,216,048
Cash & Balances due from depository institutions $636,517
Interest-bearing balances $623,459
Total securities $71,337
Federal funds sold & reverse repurchase $0
Net loans and leases $1,484,027
Loan and leases loss allowance $8,604
Trading account assets $0
Bank premises and fixed assets $7,822
Other real estate owned $78
Goodwill and other intangibles $1,172
All other assets $15,095

Liabilities

Liabilities Value (in 000's)
Total liabilities and capital $2,216,048
Total Liabilities $2,064,407
Total deposits $2,059,209
Interest-bearing deposits $412,053
Deposits held in domestic offices $2,059,209
% insured (estimated) $90
Federal funds purchased and repurchase agreements $0
Trading liabilities $0
Other borrowed funds $202
Subordinated debt $0
All other liabilities $4,996

Issued Loan Types

Type Value (in 000's)
Net loans and leases $1,484,027
Loan and leases loss allowance $8,604
Total loans and leases (domestic) $1,492,631
All real estate loans $437,799
Real estate loans in domestic offices $437,799
Construction and development loans $39,799
Residential 1-4 family construction $9,451
Other construction, all land development and other land $30,348
Loans secured by nonfarm nonresidential properties $271,249
Nonfarm nonresidential secured by owner-occupied properties $62,520
Commercial real estate & other non-farm, non-residential $208,729
Multifamily residential real estate $3,774
1-4 family residential loans $76,087
Farmland loans $46,890
Loans held in foreign offices $0
Farm loans $69,494
Commercial and industrial loans $208,677
To non-U.S. addressees $0
Loans to individuals $774,909
Credit card loans $765,026
Related Plans $55
Consumer Auto Loans $805
Other loans to individuals $9,023
All other loans & leases $1,752
Loans to foreign governments and official institutions $0
Other loans $663
Loans to depository institutions and acceptances of other banks $0
Loans not secured by real estate $256
Loans secured by real estate to non-U.S. addressees $0
Restructured Loans & leases $1,331
Non 1-4 family restructured loans & leases $1,331
Total loans and leases (foreign) $0

Stride Bank had $1,484,027,000 of loans outstanding in 2021. $437,799,000 of loans were in real estate loans. $39,799,000 of loans were in development loans. $3,774,000 of loans were in multifamily mortgage loans. $76,087,000 of loans were in 1-4 family mortgage loans. $69,494,000 of loans were in farm loans. $765,026,000 of loans were in credit card loans. $805,000 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 199 $40,086 $201,437
Nonfarm, nonresidential loans - <$100k 70 $3,148 $44,971
Nonfarm, nonresidential loans - $100-250k 57 $7,727 $135,561
Nonfarm, nonresidential loans - $250k-1MM 72 $29,211 $405,708
Commercial & Industrial, US addressed loans - <$1MM 501 $39,545 $78,932
Commercial & Industrial, US addressed loans - <$100k 319 $7,418 $23,254
Commercial & Industrial, US addressed loans - $100-250k 96 $9,289 $96,760
Commercial & Industrial, US addressed loans - $250k-1MM 86 $22,838 $265,558
Farmland loans - <$1MM 151 $21,073 $139,556
Farmland loans - <$100k 47 $1,963 $41,766
Farmland loans - $100-250k 68 $8,963 $131,809
Farmland loans - $250k-1MM 36 $10,147 $281,861
Agriculture operations loans - <$1MM 245 $19,351 $78,984
Agriculture operations loans - <$100k 146 $3,477 $23,815
Agriculture operations loans - $100-250k 56 $6,165 $110,089
Agriculture operations loans - $250k-1MM 43 $9,709 $225,791