Heartland Bank Mortgage Rates, Fees & Info

Whitehall, OH

LEI: 549300Y7OEG60MGTKK54

Tax ID: 31-4159950

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Mortgage Data

Bank Data

Review & Overview

Heartland Bank is a smaller bank specializing in Home Purchase, Refi, and Cash Out Refi loans. Heartland 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.) They have a low ratio of USDA loans. Their top markets by origination volume include: Columbus, Cincinnati, Cape Coral, Miami, and Mount Vernon among others. We have data for 43 markets. (Some data included below & more in-depth data is available with an active subscription.)

Heartland Bank 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. Heartland 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) 4.79% 3/28/24
30 Year Conventional Purchase 6.71% 3/28/24
30 Year Conventional Refi 6.59% 3/28/24
30 Year Cash-out Refi 6.88% 3/28/24
30 Year FHA Purchase 6.65% 3/28/24
30 Year FHA Refi 6.27% 3/28/24
30 Year VA Purchase 6.29% 3/28/24
30 Year VA Refi 6.27% 3/28/24
30 Year USDA Purchase 6.19% 3/28/24
15 Year Conventional Purchase 5.88% 3/28/24
15 Year Conventional Refi 5.96% 3/28/24
15 Year Cash-out Refi 5.96% 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.

Heartland Bank Mortgage Calculator






Your Estimates

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

This is not an official calculator from Heartland 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

824

Origination Dollar Volume (All Markets)

$252,820,000

Employee count

276

Awards

Heartland Bank VA 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
COLUMBUS, OH (FHA|USDA|VA) 422 $136,340,000 $323,081 $3,587 3.29%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 324 $83,960,000 $259,136 $2,972 3.08%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 4 $5,210,000 $1,302,500 $4,238 2.97%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 1 $3,775,000 $3,775,000 $4,959 2.50%
Mount Vernon, OH (FHA|USDA|VA) 9 $2,125,000 $236,111 $2,661 3.01%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 2 $2,040,000 $1,020,000 $3,829 3.13%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 4 $1,680,000 $420,000 $2,279 3.00%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 1 $1,325,000 $1,325,000 $3,007 3.00%
LOUISVILLE, KY (FHA|USDA|VA) 4 $1,250,000 $312,500 $3,496 2.75%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 3 $1,165,000 $388,333 $5,432 3.08%
Ashland, OH (FHA|USDA|VA) 4 $1,030,000 $257,500 $3,985 3.13%
SPRINGFIELD, OH (FHA|USDA|VA) 3 $985,000 $328,333 $3,217 3.75%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 1 $945,000 $945,000 $9,721 2.75%
TOLEDO, OH (FHA|USDA|VA) 2 $820,000 $410,000 $4,419 3.44%
Zanesville, OH (FHA|USDA|VA) 3 $725,000 $241,667 $4,758 3.58%
PITTSBURGH, PA (FHA|USDA|VA) 1 $695,000 $695,000 $6,093 3.50%
KNOXVILLE, TN (FHA|USDA|VA) 2 $690,000 $345,000 $3,182 2.94%
Bellefontaine, OH (FHA|USDA|VA) 1 $625,000 $625,000 $3,462 3.25%
Outside of Metro Areas 4 $610,000 $152,500 $2,212 4.31%
AKRON, OH (FHA|USDA|VA) 2 $540,000 $270,000 $3,371 2.75%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 1 $505,000 $505,000 $3,623 2.88%
DAYTON-KETTERING, OH (FHA|USDA|VA) 3 $465,000 $155,000 $2,868 2.96%
Ashtabula, OH (FHA|USDA|VA) 2 $460,000 $230,000 $5,462 3.13%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 1 $455,000 $455,000 $3,515 3.50%
NORWICH-NEW LONDON, CT (FHA|USDA|VA) 1 $395,000 $395,000 $3,620 3.00%
Celina, OH (FHA|USDA|VA) 1 $335,000 $335,000 $0 3.75%
Pinehurst-Southern Pines, NC (FHA|USDA|VA) 1 $335,000 $335,000 $3,311 3.13%
Seneca, SC (FHA|USDA|VA) 1 $325,000 $325,000 $2,614 2.75%
JACKSONVILLE, FL (FHA|USDA|VA) 1 $295,000 $295,000 $4,989 3.00%
Portsmouth, OH (FHA|USDA|VA) 1 $285,000 $285,000 $3,581 3.00%
Marietta, OH (FHA|USDA|VA) 1 $275,000 $275,000 $3,614 3.00%
Wooster, OH (FHA|USDA|VA) 1 $275,000 $275,000 $3,328 3.25%
RALEIGH-CARY, NC (FHA|USDA|VA) 1 $255,000 $255,000 $1,949 2.88%
Washington Court House, OH (FHA|USDA|VA) 1 $255,000 $255,000 $3,504 3.13%
LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 2 $250,000 $125,000 $2,534 3.19%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 1 $225,000 $225,000 $2,055 2.88%
POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) 1 $165,000 $165,000 $3,147 2.75%
Traverse City, MI (FHA|USDA|VA) 1 $165,000 $165,000 $1,992 3.00%
Norwalk, OH (FHA|USDA|VA) 1 $155,000 $155,000 $2,897 2.88%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 1 $135,000 $135,000 $2,225 2.25%
Sidney, OH (FHA|USDA|VA) 1 $125,000 $125,000 $3,439 3.13%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 1 $115,000 $115,000 $3,602 2.88%
Cambridge, OH (FHA|USDA|VA) 1 $35,000 $35,000 $0 4.99%
Heartland Bank's top markets include Columbus, Cincinnati, Cape Coral, Miami, and Mount Vernon among others.

Their top states include:
  • Ohio (FHA|USDA|VA)
  • Kentucky (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Indiana (FHA|USDA|VA)
  • North Carolina (FHA|USDA|VA)
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 799 $244,365,000 $305,839 $3,275 3.20%
    VA 13 $3,505,000 $269,615 $5,192 2.69%
    FHA 6 $930,000 $155,000 $5,400 2.83%
    USDA 6 $4,020,000 $670,000 $4,380 3.10%

    For 2021, Heartland Bank's most frequently originated type of loan was Conventional, with 799 originations. Their 2nd most popular type was VA, with 13 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 346 $126,200,000 $364,740 $4,344 3.23%
    Refi 274 $69,530,000 $253,759 $2,556 3.06%
    Cash Out Refi 198 $56,630,000 $286,010 $2,808 3.22%
    Home Improvement 3 $385,000 $128,333 $300 6.08%
    Other 3 $75,000 $25,000 $691 6.58%

    For 2021, Heartland Bank's most frequently cited loan purpose was Home Purchase, with 346 originations. The 2nd most popular reason was Refi, with 274 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 565 $189,815,000 $335,956 $3,744 3.19%
    15 Year 162 $32,840,000 $202,716 $2,619 2.87%
    10 Year 48 $19,310,000 $402,292 $1,126 3.65%
    20 Year 30 $5,600,000 $186,667 $1,894 3.44%
    Other 11 $3,495,000 $317,727 $3,520 3.67%
    5 Year 5 $915,000 $183,000 $993 5.50%
    3 Year 2 $130,000 $65,000 $0 6.63%
    30+ year 1 $715,000 $715,000 $9,179 2.88%

    For 2021, Heartland Bank's most frequently cited loan duration was 30 Year, with 565 originations. The 2nd most popular length was 15 Year, with 162 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 626 $174,940,000 $279,457
    $1k-2k 37 $8,075,000 $218,243
    $4k-5k 18 $9,500,000 $527,778
    $3k-4k 17 $7,775,000 $457,353
    $5k+ 11 $15,305,000 $1,391,364
    $2k-3k 9 $3,585,000 $398,333

    Heartland Bank's average total fees were $3,744, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 626 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    2.5-3% 330 $109,840,000 $332,848
    3-4% 321 $95,755,000 $298,302
    <2.5% 102 $25,290,000 $247,941
    4-5% 56 $20,450,000 $365,179
    5-6% 9 $1,245,000 $138,333
    6-7% 3 $155,000 $51,667
    7-8% 3 $85,000 $28,333

    During 2021, Heartland Bank's average interest rate for loans was 3.19%, while their most frequently originated rate bucket for loans was 2.5-3%, with 330 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 315 $89,715,000 $284,810 $3,209 3.11%
    $100k-200k 288 $42,980,000 $149,236 $2,585 3.21%
    $400k-600k 83 $39,885,000 $480,542 $4,240 3.07%
    $100,000 or less 76 $5,100,000 $67,105 $1,626 3.60%
    $600k-1MM 40 $29,790,000 $744,750 $6,198 3.09%
    $1MM+ 22 $45,350,000 $2,061,364 $10,795 3.29%

    2021 saw Heartland Bank place emphasis on $200k-400k loans with 315 originations, totaling $89,715,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 195 $49,325,000 $252,949 $3,147 3.07%
    $150k-250k 148 $50,980,000 $344,459 $3,729 3.13%
    $50k-75k 147 $27,005,000 $183,707 $2,891 3.14%
    $250k+ 101 $67,095,000 $664,307 $5,685 3.22%
    $75k-100k 101 $20,355,000 $201,535 $2,950 3.09%
    $50k or less 77 $10,455,000 $135,779 $2,505 3.26%

    Heartland Bank lent most frequently to those with incomes in the $100k-150k range, with 195 originations. The second most popular income band? $150k-250k, with 148 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 217 $62,535,000 $288,180 $3,300 3.07%
    30-36% 163 $46,705,000 $286,534 $3,114 3.12%
    <20% 99 $30,035,000 $303,384 $3,329 2.99%
    42% 38 $9,940,000 $261,579 $3,776 3.11%
    40% 32 $12,250,000 $382,813 $4,087 3.13%
    43% 28 $11,520,000 $411,429 $3,001 3.29%
    44% 27 $9,435,000 $349,444 $3,588 3.14%
    36% 26 $6,830,000 $262,692 $3,389 3.36%
    38% 25 $7,795,000 $311,800 $3,578 3.21%
    37% 24 $6,330,000 $263,750 $2,887 3.13%
    41% 22 $5,100,000 $231,818 $3,530 3.43%
    39% 21 $6,805,000 $324,048 $4,152 3.38%
    48% 18 $4,690,000 $260,556 $3,184 2.97%
    45% 16 $3,640,000 $227,500 $3,302 3.17%
    47% 11 $2,865,000 $260,455 $2,959 3.15%
    46% 10 $2,090,000 $209,000 $3,026 2.95%
    50-60% 8 $1,560,000 $195,000 $4,579 3.52%
    49% 5 $1,085,000 $217,000 $2,601 3.18%
    >60% 3 $685,000 $228,333 $1,675 4.75%

    Heartland Bank lent most frequently to those with DTI ratios of 20-30%, with 217 originations. The next most common DTI ratio? 30-36%, with 163 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 667 $198,025,000 $296,889 $3,342 3.12%
    Not provided 103 $27,425,000 $266,262 $3,314 3.33%
    Not applicable 24 $19,640,000 $818,333 $2,854 4.75%
    Black 17 $4,365,000 $256,765 $3,196 3.20%
    Asian 8 $2,540,000 $317,500 $2,950 2.94%
    American Indian 3 $535,000 $178,333 $3,727 2.63%
    Chinese 1 $165,000 $165,000 $2,329 3.13%
    Asian Indian 1 $125,000 $125,000 $5,796 2.25%

    Approval Rates

    Total approvals of all applications
    93.19%

    Heartland Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    80.83%

    Heartland Bank has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 824 $252,820,000 $306,820

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    824 $252,820,000 $306,820

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 55 $8,425,000 $153,182 $2,347 3.02%
    40-60% 158 $28,420,000 $179,873 $2,547 3.01%
    60-80% 387 $142,955,000 $369,393 $3,416 3.23%
    80-100% 206 $71,090,000 $345,097 $4,221 3.21%
    Under 20% 17 $1,585,000 $93,235 $973 4.31%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Heartland Bank 101 South High Street Columbus, OH 43215 Full Service B&M $63,093
    Heartland Bank 130 North Wilson Road Columbus, OH 43204 Full Service B&M $53,007
    Heartland Bank 165 Highbluffs Blvd Columbus, OH 43235 Limited, Mobile/Seasonal Office $9,630
    Heartland Bank 1800 West Lane Avenue Upper Arlington, OH 43221 Full Service B&M $63,959
    Heartland Bank 2365 Old Stringtown Rd Grove City, OH 43123 Full Service B&M $121,120
    Heartland Bank 2500 Chamber Center Drive, Suite 100 Fort Mitchell, KY 41017 Full Service B&M $77,772
    Heartland Bank 3971 Main St Hilliard, OH 43026 Full Service B&M $52,629
    Heartland Bank 421 Hill Road North Pickerington, OH 43147 Full Service B&M $40,513
    Heartland Bank 430 N Hamilton Rd Whitehall, OH 43213 Full Service B&M $76,099
    Heartland Bank 44 West Locust Street Newark, OH 43055 Full Service B&M $74,506
    Heartland Bank 4476 North High Street Columbus, OH 43214 Full Service B&M $46,279
    Heartland Bank 450 South State Street Westerville, OH 43081 Full Service B&M $84,516
    Heartland Bank 5800 Forest Hills Blvd Columbus, OH 43231 Limited, Mobile/Seasonal Office $5,607
    Heartland Bank 6000 Riverside Drive Dublin, OH 43017 Limited, Mobile/Seasonal Office $14,507
    Heartland Bank 602 South Fort Thomas Avenue Fort Thomas, KY 41075 Full Service B&M $17,746
    Heartland Bank 6500 Frantz Road Dublin, OH 43017 Full Service B&M $87,014
    Heartland Bank 67 North Stygler Road Gahanna, OH 43230 Full Service B&M $61,766
    Heartland Bank 6887 East Main Stret Reynoldsburg, OH 43068 Full Service B&M $62,717
    Heartland Bank 730 West Coshocton St Johnstown, OH 43031 Full Service B&M $102,358
    Heartland Bank 850 North Hamilton Road Gahanna, OH 43230 Full Service B&M $148,328
    Heartland Bank 8735 Us 42 Florence, KY 41042 Full Service B&M $47,889

    For 2021, Heartland Bank had 21 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $55,262
    Net interest income $51,549
    Total noninterest income $11,665
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $947
    Trading account gains and fees $0
    Additional Noninterest Income $10,718
    Pre-tax net operating income $24,498
    Securities gains (or losses, -) $223
    Income before extraordinary items $19,827
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $19,827
    Minority interest net income $0
    Net income $19,827
    Sale, conversion, retirement of capital stock, net $138
    Net operating income $19,648

    Heartland Bank's gross interest income from loans was $55,262,000.
    Heartland Bank's net interest income from loans was $51,549,000.
    Heartland Bank's fee based income from loans was $947,000.
    Heartland Bank's net income from loans was $19,827,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $3,713
    Provision for credit losses $1,920
    Total noninterest expense $36,796
    Salaries and employee benefits $21,869
    Premises and equipment expense $5,262
    Additional noninterest expense $9,665
    Applicable income taxes $4,894
    Net charge-offs $1,102
    Cash dividends $6,262

    Heartland Bank's interest expense for loans was $3,713,000.
    Heartland Bank's payroll and benefits expense were $21,869,000.
    Heartland Bank's property, plant and equipment expenses $5,262,000.

    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 0.5%
    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 $1,268,460
    Deposits held in domestic offices $1,268,460
    Deposits by Individuals, partnerships, and corporations $1,213,126
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $55,334
    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 $130,595
    Demand deposits $100,742
    Nontransaction accounts $1,137,865
    Money market deposit accounts (MMDAs) $276,928
    Other savings deposits (excluding MMDAs) $672,746
    Total time deposits $188,192
    Total time and savings deposits $1,167,718
    Noninterest-bearing deposits $483,993
    Interest-bearing deposits $784,467
    Retail deposits $1,240,185
    IRAs and Keogh plan accounts $32,441
    Brokered deposits $23
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $1,464,528
    Cash & Balances due from depository institutions $64,024
    Interest-bearing balances $53,779
    Total securities $156,554
    Federal funds sold & reverse repurchase $0
    Net loans and leases $1,160,674
    Loan and leases loss allowance $14,965
    Trading account assets $0
    Bank premises and fixed assets $31,972
    Other real estate owned $5
    Goodwill and other intangibles $14,971
    All other assets $36,328

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $1,464,528
    Total Liabilities $1,297,702
    Total deposits $1,268,460
    Interest-bearing deposits $784,467
    Deposits held in domestic offices $1,268,460
    % insured (estimated) $53
    Federal funds purchased and repurchase agreements $9,032
    Trading liabilities $0
    Other borrowed funds $12,000
    Subordinated debt $0
    All other liabilities $8,210

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $1,160,674
    Loan and leases loss allowance $14,965
    Total loans and leases (domestic) $1,175,639
    All real estate loans $985,877
    Real estate loans in domestic offices $985,877
    Construction and development loans $92,566
    Residential 1-4 family construction $39,335
    Other construction, all land development and other land $53,231
    Loans secured by nonfarm nonresidential properties $496,169
    Nonfarm nonresidential secured by owner-occupied properties $235,098
    Commercial real estate & other non-farm, non-residential $261,071
    Multifamily residential real estate $43,973
    1-4 family residential loans $324,613
    Farmland loans $28,556
    Loans held in foreign offices $0
    Farm loans $26,081
    Commercial and industrial loans $126,379
    To non-U.S. addressees $0
    Loans to individuals $10,356
    Credit card loans $3,677
    Related Plans $14
    Consumer Auto Loans $2,308
    Other loans to individuals $4,357
    All other loans & leases $26,946
    Loans to foreign governments and official institutions $0
    Other loans $2,219
    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 $5,119
    Non 1-4 family restructured loans & leases $4,799
    Total loans and leases (foreign) $0

    Heartland Bank had $1,160,674,000 of loans outstanding in 2021. $985,877,000 of loans were in real estate loans. $92,566,000 of loans were in development loans. $43,973,000 of loans were in multifamily mortgage loans. $324,613,000 of loans were in 1-4 family mortgage loans. $26,081,000 of loans were in farm loans. $3,677,000 of loans were in credit card loans. $2,308,000 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 441 $141,187 $320,152
    Nonfarm, nonresidential loans - <$100k 56 $2,943 $52,554
    Nonfarm, nonresidential loans - $100-250k 152 $20,948 $137,816
    Nonfarm, nonresidential loans - $250k-1MM 233 $117,296 $503,416
    Commercial & Industrial, US addressed loans - <$1MM 765 $90,215 $117,928
    Commercial & Industrial, US addressed loans - <$100k 418 $12,669 $30,309
    Commercial & Industrial, US addressed loans - $100-250k 167 $20,497 $122,737
    Commercial & Industrial, US addressed loans - $250k-1MM 180 $57,049 $316,939
    Farmland loans - <$1MM 92 $7,218 $78,457
    Farmland loans - <$100k 16 $506 $31,625
    Farmland loans - $100-250k 32 $1,950 $60,938
    Farmland loans - $250k-1MM 44 $4,762 $108,227
    Agriculture operations loans - <$1MM 100 $10,949 $109,490
    Agriculture operations loans - <$100k 55 $1,521 $27,655
    Agriculture operations loans - $100-250k 23 $2,772 $120,522
    Agriculture operations loans - $250k-1MM 22 $6,656 $302,545