Fall River Five Cents Savings Bank Mortgage Rates, Fees & Info

Fall River, MA

LEI: 549300Q61S3IBOJITT02

Tax ID: 41-2178171

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

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  • SimulatedRates™
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    • Mortgage Data

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

    Fall River Five Cents Savings Bank is a smaller bank specializing in Refi, Home Purchase, and Cash Out Refi loans. Fall River Five Cents Savings Bank has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) Their top markets by origination volume include: Boston, Providence, Barnstable Town, Worcester, and Manchester among others. We have data for 23 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Fall River Five Cents Savings Bank 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. Fall River Five Cents Savings Bank 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
    Home Equity Line of Credit (HELOC) 5.76% 4/28/24
    30 Year Conventional Purchase 5.99% 4/28/24
    30 Year Conventional Refi 5.98% 4/28/24
    30 Year Cash-out Refi 6.20% 4/28/24
    30 Year FHA Purchase 7.13% 4/28/24
    30 Year FHA Refi 7.30% 4/28/24
    30 Year VA Purchase 6.25% 4/28/24
    15 Year Conventional Purchase 4.69% 4/28/24
    15 Year Conventional Refi 5.61% 4/28/24
    15 Year Cash-out Refi 5.61% 4/28/24
    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.

    Fall River Five Cents Savings Bank Mortgage Calculator






    Your Estimates

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

    This is not an official calculator from Fall River Five Cents Savings Bank. 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

    1,983

    Origination Dollar Volume (All Markets)

    $752,155,000

    Employee count

    216 Show all (9) 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
    Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 700 $318,530,000 $455,043 $3,395 2.89%
    PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 1,021 $315,145,000 $308,663 $3,259 2.97%
    BARNSTABLE TOWN, MA (FHA|USDA|VA) 124 $74,650,000 $602,016 $3,422 2.95%
    WORCESTER, MA-CT (FHA|USDA|VA) 67 $20,915,000 $312,164 $3,211 2.82%
    Outside of Metro Areas 9 $3,575,000 $397,222 $3,253 2.89%
    MANCHESTER-NASHUA, NH (FHA|USDA|VA) 9 $3,345,000 $371,667 $3,321 2.99%
    SPRINGFIELD, MA (FHA|USDA|VA) 13 $2,845,000 $218,846 $2,602 3.03%
    PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 6 $2,190,000 $365,000 $2,417 2.85%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 3 $1,715,000 $571,667 $5,428 3.17%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 7 $1,385,000 $197,857 $3,328 2.71%
    Vineyard Haven, MA (FHA|USDA|VA) 2 $1,230,000 $615,000 $3,446 2.81%
    Keene, NH (FHA|USDA|VA) 2 $1,010,000 $505,000 $3,950 2.88%
    HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 3 $1,005,000 $335,000 $3,144 3.29%
    BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 3 $805,000 $268,333 $2,730 2.79%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 2 $690,000 $345,000 $5,869 2.56%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 2 $670,000 $335,000 $4,317 3.00%
    Lebanon, NH-VT (FHA|USDA|VA) 2 $550,000 $275,000 $3,069 2.94%
    PITTSFIELD, MA (FHA|USDA|VA) 1 $495,000 $495,000 $3,557 3.13%
    DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 2 $430,000 $215,000 $3,938 3.19%
    Concord, NH (FHA|USDA|VA) 2 $320,000 $160,000 $2,413 2.81%
    NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 1 $295,000 $295,000 $2,979 2.75%
    Laconia, NH (FHA|USDA|VA) 1 $235,000 $235,000 $2,617 2.88%
    THE VILLAGES, FL (FHA|USDA|VA) 1 $125,000 $125,000 $3,050 2.88%
    Fall River Five Cents Savings Bank's top markets include Boston, Providence, Barnstable Town, Worcester, and Manchester among others.

    Their top states include:
  • Massachusetts (FHA|USDA|VA)
  • Rhode Island (FHA|USDA|VA)
  • New Hampshire (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Maine (FHA|USDA|VA)

    • Similar Lenders

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

    SOMERSET
    Similarity Rank: 87
    Homestar Mortgage, Inc.
    Similarity Rank: 156
    FALL RIVER MUNICIPAL CREDIT UNION
    Similarity Rank: 396
    OCEAN STATE CREDIT UNION
    Similarity Rank: 405
    LUSO-AMERICAN CREDIT UNION
    Similarity Rank: 474
    Rhode Island Credit Union
    Similarity Rank: 524
    Sharon & Crescent United Credit Union
    Similarity Rank: 540
    WAVE FEDERAL CREDIT UNION
    Similarity Rank: 596
    WESTERLY COMMUNITY
    Similarity Rank: 618
    East Boston Savings Bank
    Similarity Rank: 755

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 1,909 $726,705,000 $380,673 $3,097 2.94%
    FHA 55 $19,145,000 $348,091 $9,345 2.73%
    VA 19 $6,305,000 $331,842 $6,710 2.44%

    For 2021, Fall River Five Cents Savings Bank's most frequently originated type of loan was Conventional, with 1,909 originations. Their 2nd most popular type was FHA, with 55 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 764 $249,820,000 $326,990 $2,758 2.77%
    Home Purchase 721 $335,655,000 $465,541 $4,259 2.95%
    Cash Out Refi 443 $160,705,000 $362,765 $3,111 3.05%
    Home Improvement 31 $2,315,000 $74,677 $393 4.07%
    Other 24 $3,660,000 $152,500 $1,175 3.77%

    For 2021, Fall River Five Cents Savings Bank's most frequently cited loan purpose was Refi, with 764 originations. The 2nd most popular reason was Home Purchase, with 721 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 1,362 $536,160,000 $393,656 $3,569 2.91%
    15 Year 243 $56,845,000 $233,930 $2,429 2.47%
    20 Year 168 $64,530,000 $384,107 $2,097 3.49%
    Other 149 $62,035,000 $416,342 $3,488 3.16%
    10 Year 29 $16,185,000 $558,103 $1,455 2.99%
    30+ year 18 $15,780,000 $876,667 $6,168 3.05%
    5 Year 13 $585,000 $45,000 $21 3.81%
    1 Year 1 $35,000 $35,000 $0 5.00%

    For 2021, Fall River Five Cents Savings Bank's most frequently cited loan duration was 30 Year, with 1,362 originations. The 2nd most popular length was 15 Year, with 243 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 1,731 $632,205,000 $365,225
    $1k-2k 95 $30,185,000 $317,737
    $2k-3k 32 $16,580,000 $518,125
    $3k-4k 12 $4,590,000 $382,500
    $5k+ 8 $4,210,000 $526,250
    $4k-5k 3 $2,115,000 $705,000

    Fall River Five Cents Savings Bank's average total fees were $3,569, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 1,731 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    2.5-3% 1,014 $408,970,000 $403,323
    3-4% 510 $211,280,000 $414,275
    <2.5% 385 $116,515,000 $302,636
    4-5% 67 $14,275,000 $213,060
    5-6% 4 $740,000 $185,000
    6-7% 2 $360,000 $180,000
    7-8% 1 $15,000 $15,000

    During 2021, Fall River Five Cents Savings Bank's average interest rate for loans was 2.91%, while their most frequently originated rate bucket for loans was 2.5-3%, with 1,014 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 914 $267,130,000 $292,265 $3,192 2.91%
    $400k-600k 441 $213,055,000 $483,118 $3,879 2.89%
    $100k-200k 317 $49,995,000 $157,713 $2,558 2.86%
    $600k-1MM 184 $138,220,000 $751,196 $4,391 2.95%
    $100,000 or less 79 $4,265,000 $53,987 $716 3.67%
    $1MM+ 48 $79,490,000 $1,656,042 $5,962 3.02%

    2021 saw Fall River Five Cents Savings Bank place emphasis on $200k-400k loans with 914 originations, totaling $267,130,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 471 $162,665,000 $345,361 $3,286 2.88%
    $150k-250k 399 $181,725,000 $455,451 $3,460 2.86%
    $75k-100k 342 $96,730,000 $282,836 $3,237 2.87%
    $50k-75k 297 $73,755,000 $248,333 $3,174 2.86%
    $250k+ 255 $155,515,000 $609,863 $3,714 2.94%
    $50k or less 125 $21,025,000 $168,200 $2,721 2.87%

    Fall River Five Cents Savings Bank lent most frequently to those with incomes in the $100k-150k range, with 471 originations. The second most popular income band? $150k-250k, with 399 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 459 $170,135,000 $370,664 $3,045 2.84%
    30-36% 368 $138,590,000 $376,603 $3,281 2.88%
    <20% 154 $56,390,000 $366,169 $3,027 2.78%
    37% 87 $26,655,000 $306,379 $2,953 2.86%
    40% 80 $31,300,000 $391,250 $3,822 2.91%
    44% 79 $31,405,000 $397,532 $3,704 2.85%
    42% 76 $30,150,000 $396,711 $3,151 2.93%
    39% 76 $26,750,000 $351,974 $3,330 2.98%
    36% 75 $27,555,000 $367,400 $3,310 2.99%
    43% 71 $27,725,000 $390,493 $3,516 2.95%
    41% 68 $25,590,000 $376,324 $3,084 2.98%
    38% 59 $24,955,000 $422,966 $3,559 2.83%
    46% 55 $17,785,000 $323,364 $3,853 2.81%
    45% 47 $14,065,000 $299,255 $3,465 2.90%
    47% 47 $15,705,000 $334,149 $4,016 2.95%
    49% 40 $12,930,000 $323,250 $3,613 2.85%
    48% 27 $8,175,000 $302,778 $3,899 2.84%
    50-60% 13 $4,025,000 $309,615 $6,736 2.95%

    Fall River Five Cents Savings Bank lent most frequently to those with DTI ratios of 20-30%, with 459 originations. The next most common DTI ratio? 30-36%, with 368 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,460 $506,940,000 $347,219 $3,204 2.89%
    Not provided 287 $125,895,000 $438,659 $3,586 2.93%
    Not applicable 78 $55,210,000 $707,821 $0 3.93%
    Asian 101 $46,085,000 $456,287 $3,396 2.83%
    Black 39 $11,315,000 $290,128 $5,109 2.84%
    American Indian 8 $2,960,000 $370,000 $3,437 2.98%
    Other Asian 5 $1,865,000 $373,000 $4,054 2.73%
    Native Hawaiian or Islander 1 $545,000 $545,000 $4,163 2.75%
    Asian Indian 1 $545,000 $545,000 $3,856 2.75%
    Chinese 1 $425,000 $425,000 $3,007 2.00%
    Other Pacific Islander 2 $370,000 $185,000 $4,521 2.94%

    Approval Rates

    Total approvals of all applications
    96.95%

    Fall River Five Cents Savings 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
    90.27%

    Fall River Five Cents Savings Bank has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 1,983 $752,155,000 $379,302

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    1,983 $752,155,000 $379,302

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 196 $45,420,000 $231,735 $2,556 2.80%
    40-60% 509 $175,425,000 $344,646 $2,933 2.82%
    60-80% 823 $339,565,000 $412,594 $3,305 2.99%
    80-100% 378 $183,710,000 $486,005 $4,585 2.86%
    Over 100% 5 $2,015,000 $403,000 $10,552 2.70%
    Under 20% 72 $6,020,000 $83,611 $653 3.78%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Fall River Five Cents Savings Bank 105 Huttleston Avenue Fairhaven, MA 2719 Full Service B&M $49,100
    Fall River Five Cents Savings Bank 1301 Pleasant Street Fall River, MA 2723 Full Service B&M $51,666
    Fall River Five Cents Savings Bank 136 Faunce Corner Mall Road Dartmouth, MA 2747 Full Service B&M $111,951
    Fall River Five Cents Savings Bank 1501 South Main Street Fall River, MA 2724 Full Service B&M $44,984
    Fall River Five Cents Savings Bank 160 County Street New Bedford, MA 2740 Full Service B&M $101,164
    Fall River Five Cents Savings Bank 1604 President Avenue Fall River, MA 2720 Full Service B&M $76,638
    Fall River Five Cents Savings Bank 1724 Acushnet Avenue New Bedford, MA 2746 Full Service B&M $48,473
    Fall River Five Cents Savings Bank 4171 North Main Street Fall River, MA 2720 Full Service B&M $71,764
    Fall River Five Cents Savings Bank 497 Milford Road Swansea, MA 2777 Full Service B&M $83,831
    Fall River Five Cents Savings Bank 54 County Street Somerset, MA 2726 Full Service B&M $92,245
    Fall River Five Cents Savings Bank 55 Thirteenth Street Fall River, MA 2721 Full Service B&M $47,885
    Fall River Five Cents Savings Bank 590 Metacom Avenue Bristol, RI 2809 Full Service B&M $33,906
    Fall River Five Cents Savings Bank 79 N Main St Fall River, MA 2720 Full Service B&M $359,664

    For 2021, Fall River Five Cents Savings Bank had 13 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $42,311
    Net interest income $36,313
    Total noninterest income $18,373
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $1,270
    Trading account gains and fees $0
    Additional Noninterest Income $17,103
    Pre-tax net operating income $15,135
    Securities gains (or losses, -) $30
    Income before extraordinary items $12,231
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $12,231
    Minority interest net income $0
    Net income $12,231
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $12,206

    Fall River Five Cents Savings Bank's gross interest income from loans was $42,311,000.
    Fall River Five Cents Savings Bank's net interest income from loans was $36,313,000.
    Fall River Five Cents Savings Bank's fee based income from loans was $1,270,000.
    Fall River Five Cents Savings Bank's net income from loans was $12,231,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $5,998
    Provision for credit losses $1,191
    Total noninterest expense $38,360
    Salaries and employee benefits $21,835
    Premises and equipment expense $3,352
    Additional noninterest expense $13,173
    Applicable income taxes $2,934
    Net charge-offs $-41
    Cash dividends $0

    Fall River Five Cents Savings Bank's interest expense for loans was $5,998,000.
    Fall River Five Cents Savings Bank's payroll and benefits expense were $21,835,000.
    Fall River Five Cents Savings Bank's property, plant and equipment expenses $3,352,000.

    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 $1,225,285
    Deposits held in domestic offices $1,225,285
    Deposits by Individuals, partnerships, and corporations $1,184,164
    Deposits by U.S. Government $44
    Deposits by States and political subdivisions in the U.S. $35,246
    Deposits by Commercial banks and other depository institutions in U.S. $5,831
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $387,569
    Demand deposits $284,434
    Nontransaction accounts $837,716
    Money market deposit accounts (MMDAs) $207,097
    Other savings deposits (excluding MMDAs) $292,900
    Total time deposits $337,719
    Total time and savings deposits $940,851
    Noninterest-bearing deposits $284,434
    Interest-bearing deposits $940,851
    Retail deposits $1,065,655
    IRAs and Keogh plan accounts $35,504
    Brokered deposits $41,944
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $1,446,964
    Cash & Balances due from depository institutions $45,208
    Interest-bearing balances $35,782
    Total securities $255,547
    Federal funds sold & reverse repurchase $0
    Net loans and leases $1,081,336
    Loan and leases loss allowance $8,257
    Trading account assets $0
    Bank premises and fixed assets $17,595
    Other real estate owned $0
    Goodwill and other intangibles $4,875
    All other assets $42,403

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $1,446,964
    Total Liabilities $1,317,899
    Total deposits $1,225,285
    Interest-bearing deposits $940,851
    Deposits held in domestic offices $1,225,285
    % insured (estimated) $76
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $78,829
    Subordinated debt $0
    All other liabilities $13,785

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $1,081,336
    Loan and leases loss allowance $8,257
    Total loans and leases (domestic) $1,089,593
    All real estate loans $913,842
    Real estate loans in domestic offices $913,842
    Construction and development loans $40,702
    Residential 1-4 family construction $16,016
    Other construction, all land development and other land $24,686
    Loans secured by nonfarm nonresidential properties $325,919
    Nonfarm nonresidential secured by owner-occupied properties $164,046
    Commercial real estate & other non-farm, non-residential $161,873
    Multifamily residential real estate $63,406
    1-4 family residential loans $483,749
    Farmland loans $66
    Loans held in foreign offices $0
    Farm loans $35,612
    Commercial and industrial loans $121,440
    To non-U.S. addressees $0
    Loans to individuals $18,698
    Credit card loans $0
    Related Plans $32
    Consumer Auto Loans $150
    Other loans to individuals $18,516
    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 $99
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $1,193
    Non 1-4 family restructured loans & leases $782
    Total loans and leases (foreign) $0

    Fall River Five Cents Savings Bank had $1,081,336,000 of loans outstanding in 2021. $913,842,000 of loans were in real estate loans. $40,702,000 of loans were in development loans. $63,406,000 of loans were in multifamily mortgage loans. $483,749,000 of loans were in 1-4 family mortgage loans. $35,612,000 of loans were in farm loans. $0 of loans were in credit card loans. $150,000 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 475 $100,010 $210,547
    Nonfarm, nonresidential loans - <$100k 133 $2,247 $16,895
    Nonfarm, nonresidential loans - $100-250k 112 $13,756 $122,821
    Nonfarm, nonresidential loans - $250k-1MM 230 $84,007 $365,248
    Commercial & Industrial, US addressed loans - <$1MM 1,324 $29,929 $22,605
    Commercial & Industrial, US addressed loans - <$100k 1,167 $7,138 $6,117
    Commercial & Industrial, US addressed loans - $100-250k 87 $7,843 $90,149
    Commercial & Industrial, US addressed loans - $250k-1MM 70 $14,948 $213,543
    Agriculture operations loans - <$1MM 35 $4,385 $125,286
    Agriculture operations loans - <$100k 19 $769 $40,474
    Agriculture operations loans - $100-250k 11 $1,892 $172,000
    Agriculture operations loans - $250k-1MM 5 $1,724 $344,800