Oriental Bank Mortgage Rates, Fees & Info

San Juan,

LEI: 549300ZLPU75MU7O0T38

Tax ID: 66-0259436

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

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Mortgage Data

Bank Data

Review & Overview

Oriental Bank is a smaller bank specializing in Home Purchase and Refi loans. Oriental Bank has a high proportion of conventional loans. They have an average proportion of FHA loans. Their top markets by origination volume include: San Juan, Aguadilla, Ponce, San GermÁn, and Arecibo among others. We have data for 13 markets. (Some data included below & more in-depth data is available with an active subscription.)

Oriental Bank has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Oriental Bank 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 6.77% 3/28/24
30 Year Conventional Refi 6.41% 3/28/24
30 Year Cash-out Refi 6.62% 3/28/24
30 Year FHA Purchase 6.55% 3/28/24
30 Year FHA Refi 6.34% 3/28/24
30 Year VA Purchase 5.71% 3/28/24
30 Year VA Refi 5.67% 3/28/24
30 Year USDA Purchase 6.05% 3/28/24
30 Year USDA Refi 6.05% 3/28/24
15 Year Conventional Purchase 5.96% 3/28/24
15 Year Conventional Refi 5.59% 3/28/24
15 Year Cash-out Refi 5.59% 3/28/24
15 Year FHA Purchase 6.60% 3/28/24
15 Year FHA Refi 6.47% 3/28/24
15 Year VA Purchase 6.19% 3/28/24
15 Year VA Refi 5.68% 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.

Oriental Bank Mortgage Calculator






Your Estimates

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This is not an official calculator from Oriental 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

2,171

Origination Dollar Volume (All Markets)

$339,825,000

Employee count

2,258 Show all (27) 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
SAN JUAN-BAYAMÓN-CAGUAS, PR (FHA|USDA|VA) 1,602 $273,650,000 $170,818 $5,622 2.81%
AGUADILLA-ISABELA, PR (FHA|USDA|VA) 134 $16,910,000 $126,194 $4,719 2.73%
PONCE, PR (FHA|USDA|VA) 93 $11,585,000 $124,570 $4,701 2.79%
SAN GERMÁN, PR (FHA|USDA|VA) 78 $10,470,000 $134,231 $4,943 2.80%
Arecibo, PR (FHA|USDA|VA) 79 $9,565,000 $121,076 $4,612 2.68%
MAYAGÜEZ, PR (FHA|USDA|VA) 54 $6,290,000 $116,481 $4,712 2.85%
GUAYAMA, PR (FHA|USDA|VA) 44 $3,810,000 $86,591 $3,798 2.72%
YAUCO, PR (FHA|USDA|VA) 50 $3,430,000 $68,600 $3,186 3.01%
Coamo, PR (FHA|USDA|VA) 15 $1,565,000 $104,333 $4,137 2.78%
Santa Isabel, PR (FHA|USDA|VA) 11 $1,045,000 $95,000 $3,512 2.64%
Outside of Metro Areas 4 $900,000 $225,000 $5,698 3.34%
Coco, PR (FHA|USDA|VA) 6 $470,000 $78,333 $3,694 2.33%
Jayuya, PR (FHA|USDA|VA) 1 $135,000 $135,000 $5,271 2.75%
Oriental Bank's top markets include San Juan, Aguadilla, Ponce, San GermÁn, and Arecibo among others.

Their top states include:
  • Puerto Rico (FHA|USDA|VA)
  • Similar Lenders

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

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 1,293 $214,415,000 $165,828 $5,363 2.86%
    FHA 546 $79,020,000 $144,725 $5,702 2.73%
    USDA 219 $25,425,000 $116,096 $3,945 2.71%
    VA 113 $20,965,000 $185,531 $5,685 2.67%

    For 2021, Oriental Bank's most frequently originated type of loan was Conventional, with 1,293 originations. Their 2nd most popular type was FHA, with 546 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 1,118 $176,760,000 $158,104 $5,108 2.96%
    Refi 764 $118,020,000 $154,476 $5,588 2.57%
    Cash Out Refi 242 $37,740,000 $155,950 $5,532 2.80%
    Other 38 $6,230,000 $163,947 $5,254 3.07%
    Home Improvement 9 $1,075,000 $119,444 $4,220 3.04%

    For 2021, Oriental Bank's most frequently cited loan purpose was Home Purchase, with 1,118 originations. The 2nd most popular reason was Refi, with 764 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 1,379 $222,695,000 $161,490 $5,402 2.93%
    15 Year 497 $79,665,000 $160,292 $5,335 2.46%
    20 Year 164 $21,510,000 $131,159 $5,198 3.03%
    10 Year 72 $8,360,000 $116,111 $4,547 2.19%
    Other 59 $7,595,000 $128,729 $4,570 2.77%

    For 2021, Oriental Bank's most frequently cited loan duration was 30 Year, with 1,379 originations. The 2nd most popular length was 15 Year, with 497 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 947 $144,075,000 $152,138
    $1k-2k 524 $63,350,000 $120,897
    $2k-3k 340 $49,370,000 $145,206
    $3k-4k 145 $24,965,000 $172,172
    $5k+ 130 $40,690,000 $313,000
    $4k-5k 71 $15,375,000 $216,549

    Oriental Bank's average total fees were $5,402, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 947 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    <2.5% 983 $145,815,000 $148,337
    2.5-3% 765 $109,855,000 $143,601
    3-4% 367 $63,215,000 $172,248
    4-5% 31 $14,165,000 $456,935
    5-6% 18 $5,530,000 $307,222
    6-7% 5 $1,025,000 $205,000
    7-8% 1 $115,000 $115,000
    Over 8% 1 $105,000 $105,000

    During 2021, Oriental Bank's average interest rate for loans was 2.93%, while their most frequently originated rate bucket for loans was <2.5%, with 983 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 1,033 $142,825,000 $138,262 $5,126 2.80%
    $100,000 or less 720 $54,550,000 $75,764 $3,341 2.77%
    $200k-400k 328 $87,860,000 $267,866 $8,336 2.80%
    $400k-600k 75 $36,315,000 $484,200 $12,256 2.90%
    $600k-1MM 8 $6,030,000 $753,750 $8,479 4.95%
    $1MM+ 7 $12,245,000 $1,749,286 $21,088 4.61%

    2021 saw Oriental Bank place emphasis on $100k-200k loans with 1,033 originations, totaling $142,825,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k or less 936 $94,720,000 $101,197 $4,096 2.75%
    $50k-75k 449 $61,345,000 $136,626 $5,035 2.74%
    $75k-100k 290 $48,900,000 $168,621 $6,008 2.76%
    $100k-150k 220 $45,690,000 $207,682 $6,876 2.84%
    $150k-250k 152 $39,930,000 $262,697 $7,829 2.91%
    $250k+ 99 $41,745,000 $421,667 $8,481 3.32%

    Oriental Bank lent most frequently to those with incomes in the $50k or less range, with 936 originations. The second most popular income band? $50k-75k, with 449 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 540 $80,220,000 $148,556 $5,124 2.74%
    30-36% 352 $51,570,000 $146,506 $5,098 2.77%
    <20% 252 $34,860,000 $138,333 $4,816 2.74%
    41% 90 $13,370,000 $148,556 $5,440 2.86%
    44% 84 $13,780,000 $164,048 $5,784 2.89%
    36% 76 $13,170,000 $173,289 $5,715 2.70%
    40% 74 $11,400,000 $154,054 $5,126 2.97%
    43% 73 $17,675,000 $242,123 $6,488 2.83%
    42% 71 $12,595,000 $177,394 $5,863 2.95%
    39% 71 $12,525,000 $176,408 $5,520 2.92%
    37% 66 $11,100,000 $168,182 $5,510 2.78%
    38% 64 $11,640,000 $181,875 $5,852 2.82%
    45% 62 $9,570,000 $154,355 $5,939 2.79%
    50-60% 59 $9,875,000 $167,373 $6,038 2.86%
    48% 47 $7,275,000 $154,787 $5,058 2.78%
    47% 44 $5,980,000 $135,909 $4,620 2.85%
    49% 44 $8,230,000 $187,045 $5,720 2.82%
    46% 43 $6,485,000 $150,814 $5,660 2.84%
    >60% 4 $620,000 $155,000 $5,125 3.06%

    Oriental Bank lent most frequently to those with DTI ratios of 20-30%, with 540 originations. The next most common DTI ratio? 30-36%, with 352 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 2,075 $323,865,000 $156,080 $5,327 2.80%
    Black 50 $6,210,000 $124,200 $4,507 2.81%
    Not applicable 6 $4,840,000 $806,667 $30,715 5.75%
    Not provided 37 $4,385,000 $118,514 $4,647 2.66%
    American Indian 2 $400,000 $200,000 $6,353 2.81%
    Chinese 1 $125,000 $125,000 $4,913 3.50%

    Approval Rates

    Total approvals of all applications
    80.67%

    Oriental Bank has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    69.69%

    Oriental Bank 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 2,171 $339,825,000 $156,529

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    2,171 $339,825,000 $156,529

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 40 $5,610,000 $140,250 $4,172 2.56%
    40-60% 206 $27,900,000 $135,437 $4,388 2.66%
    60-80% 731 $115,395,000 $157,859 $5,386 2.85%
    80-100% 1,161 $184,165,000 $158,626 $5,460 2.81%
    Over 100% 15 $3,385,000 $225,667 $7,847 2.98%
    Under 20% 7 $1,745,000 $249,286 $4,554 2.48%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Oriental Bank #1 Road, Plaza Del Caribe Mall Ponce, PR 731 Full Service B&M $105,383
    Oriental Bank #2 Road Ponce, PR 731 Full Service B&M $146,455
    Oriental Bank #2 Road, Plaza Del Norte Hatillo, PR 659 Full Service B&M $214,843
    Oriental Bank #3 Progreso Street Catano, PR 963 Full Service B&M $33,070
    Oriental Bank #50, Jose Quinton Street Coamo, PR 769 Full Service B&M $49,503
    Oriental Bank #55 Eugenio Sanchez Lopez Street San Lorenzo, PR 754 Full Service B&M $53,829
    Oriental Bank #601 Dr. Loyola Street Penuelas, PR 624 Full Service B&M $42,929
    Oriental Bank 1408 Magdalena Avenue Condado, PR 907 Full Service B&M $194,595
    Oriental Bank 1605 Ponce De Leon Ave. Santurce, PR 909 Full Service B&M $51,435
    Oriental Bank 214c Altona And Welgunst Charlotte Amalie, VI 802 Full Service B&M $222,568
    Oriental Bank 254 East, San Jose Ave. Aibonito, PR 705 Full Service B&M $53,720
    Oriental Bank 254 Munoz Rivera San Juan, PR 918 Full Service B&M $248,387
    Oriental Bank 254 Munoz Rivera Avenue, Oriental Center San Juan, PR 918 Full Service B&M $2,033,598
    Oriental Bank 290 Jesus T. Pinero Avenue, Scotia Towers San Juan, PR 918 Full Service B&M $374,530
    Oriental Bank 2do Nivel Carolina, PR 983 Full Service B&M $277,245
    Oriental Bank 400 Ave Ponce De Leon San Juan, PR 918 Full Service B&M $86,359
    Oriental Bank 4500 Estate Diamond Christiansted, VI 820 Full Service B&M $168,351
    Oriental Bank 65 De Infanterma Ave. Plaza Escorial Mall Carolina, PR 987 Full Service B&M $128,089
    Oriental Bank 725 Avenue West Main Suite 200 Bayamon, PR 961 Full Service B&M $79,849
    Oriental Bank 727 West Main Ave. Suite Pp3 Bayamon, PR 961 Full Service B&M $141,337
    Oriental Bank Aguadilla Plaza Shopping Center Aguadilla, PR 603 Full Service B&M $74,001
    Oriental Bank Alejandrino Plaza, Road 838 Guaynabo, PR 969 Full Service B&M $411,604
    Oriental Bank Ave. Mendez Vigo 173 West Mayaguez, PR 680 Full Service B&M $72,804
    Oriental Bank Bairoa Shopping Center, Unit 12 A Caguas, PR 725 Full Service B&M $85,456
    Oriental Bank Betances Ave. No 42-43 Bayamon, PR 958 Full Service B&M $136,572
    Oriental Bank Calle Cristobal Colon #21 Yabucoa, PR 767 Full Service B&M $35,975
    Oriental Bank Calle Jesus T. Piqero #46 Las Piedras, PR 771 Full Service B&M $65,935
    Oriental Bank Carr #2 Km 159.9 Bo. Guanajibo Mayaguez, PR 680 Full Service B&M $268,337
    Oriental Bank Carr 167 Km 0.6 Rexville Town Center Bayamon, PR 958 Full Service B&M $76,783
    Oriental Bank Carr 176 Km 1.6 Bo Cupey San Juan, PR 926 Full Service B&M $124,820
    Oriental Bank Carr 181 Trujillo Alto Shopping Center Trujillo Alto, PR 976 Full Service B&M $105,212
    Oriental Bank Carr 20 Km 3.4 Exp Martinez Nadal Guaynabo, PR 966 Full Service B&M $125,306
    Oriental Bank Carr. 1 Km. 33.6 Lote # 2 Bo. Bairoa Caguas, PR 725 Full Service B&M $107,328
    Oriental Bank Gonzalez Giusti Ave. Guaynabo, PR 968 Full Service B&M $408,678
    Oriental Bank Juana Diaz Shopping Center Juana Diaz, PR 795 Full Service B&M $64,548
    Oriental Bank La Rambla Shopping Mall Ponce, PR 731 Full Service B&M $129,466
    Oriental Bank Las Catalinas Mall Pr52 Int. Pr-156 Caguas, PR 725 Full Service B&M $121,854
    Oriental Bank Las Vistas Shopping Village Rio Piedras, PR 926 Full Service B&M $238,294
    Oriental Bank Los Colobos Shopping Center, Road 3 Carolina, PR 985 Full Service B&M $92,144
    Oriental Bank Manati Plaza Centro, State Road Pr #2 And 149 Manati, PR 674 Full Service B&M $72,805
    Oriental Bank Munoz Marin Ave. Plaza Centro Ii Caguas, PR 726 Full Service B&M $58,957
    Oriental Bank Plaza Fajardo Carr 3 Km. 42 Fajardo, PR 738 Full Service B&M $123,444
    Oriental Bank Plaza Guayama Shopping Mall Guayama, PR 784 Full Service B&M $100,203
    Oriental Bank Plaza Las Americas 1er Nivel Local 478 Hato Rey, PR 919 Full Service B&M $224,403
    Oriental Bank Plaza Las Americas Mall San Juan, PR 918 Full Service B&M $179,017
    Oriental Bank Plaza Mall State Road Pr No. 52, & Pr . No. 3, Km 82.0 Humacao, PR 791 Full Service B&M $127,957
    Oriental Bank Plaza Puerta Del Sol Carr 2 Km 49.7 Manati, PR 674 Full Service B&M $154,219
    Oriental Bank Plz Del Caribe Mall Carr 2 Km 227.9 Ponce, PR 731 Full Service B&M $184,721
    Oriental Bank Road #174 , Km. 1.9 Bayamon, PR 956 Full Service B&M $39,113
    Oriental Bank Road 1 Km. 56.2, Pirez Hermanos Plaza Cayey, PR 736 Full Service B&M $51,906
    Oriental Bank Road 167, Km 0.3 Bayamon, PR 956 Full Service B&M $90,142
    Oriental Bank State Road #2 K. 129 H.3 Aguadilla, PR 603 Full Service B&M $73,342
    Oriental Bank State Road #3 K20 H3 Rio Grande, PR 745 Full Service B&M $42,791
    Oriental Bank Torre Medica #101 Hosp Auxilio Mutuo Hato Rey, PR 917 Full Service Retail $854
    Oriental Bank Urb Cabo Caribe Carr #2 Vega Baja, PR 693 Full Service B&M $89,044
    Oriental Bank Yauco Plaza Shopping Mall Yauco, PR 698 Full Service B&M $50,436

    For 2021, Oriental Bank had 56 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $452,435
    Net interest income $419,131
    Total noninterest income $115,085
    Gross Fiduciary activities income $11,684
    Service charges on deposit accounts $19,460
    Trading account gains and fees $0
    Additional Noninterest Income $83,941
    Pre-tax net operating income $210,708
    Securities gains (or losses, -) $19
    Income before extraordinary items $144,088
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $144,088
    Minority interest net income $0
    Net income $144,088
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $144,072

    Oriental Bank's gross interest income from loans was $452,435,000.
    Oriental Bank's net interest income from loans was $419,131,000.
    Oriental Bank's fee based income from loans was $19,460,000.
    Oriental Bank's net income from loans was $144,088,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $33,304
    Provision for credit losses $771
    Total noninterest expense $322,737
    Salaries and employee benefits $118,911
    Premises and equipment expense $34,109
    Additional noninterest expense $169,717
    Applicable income taxes $66,639
    Net charge-offs $49,755
    Cash dividends $197,000

    Oriental Bank's interest expense for loans was $33,304,000.
    Oriental Bank's payroll and benefits expense were $118,911,000.
    Oriental Bank's property, plant and equipment expenses $34,109,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 3.0%
    Real Estate loans 5.0%
    Construction & Land Development loans 1.0%
    Nonfarm, nonresidential loans 6.0%
    Multifamily residential loans 1.0%
    1-4 family residential loans 5.0%
    HELOC loans 1.0%
    All other family 5.0%
    Commercial & industrial loans 0.0%
    Personal loans 1.0%
    Credit card loans 1.4%
    Other individual loans 1.0%
    Auto loans 1.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $8,624,346
    Deposits held in domestic offices $8,624,346
    Deposits by Individuals, partnerships, and corporations $8,387,171
    Deposits by U.S. Government $483
    Deposits by States and political subdivisions in the U.S. $183,751
    Deposits by Commercial banks and other depository institutions in U.S. $52,361
    Deposits by Banks in foreign countries $580
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $5,218,424
    Demand deposits $2,515,788
    Nontransaction accounts $3,405,922
    Money market deposit accounts (MMDAs) $22,526
    Other savings deposits (excluding MMDAs) $2,163,134
    Total time deposits $1,220,263
    Total time and savings deposits $6,108,558
    Noninterest-bearing deposits $2,515,788
    Interest-bearing deposits $6,108,558
    Retail deposits $8,257,355
    IRAs and Keogh plan accounts $241,999
    Brokered deposits $11,366
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $9,805,742
    Cash & Balances due from depository institutions $1,955,617
    Interest-bearing balances $1,901,984
    Total securities $876,964
    Federal funds sold & reverse repurchase $0
    Net loans and leases $6,329,311
    Loan and leases loss allowance $155,937
    Trading account assets $1
    Bank premises and fixed assets $103,033
    Other real estate owned $15,040
    Goodwill and other intangibles $169,129
    All other assets $356,647

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $9,805,742
    Total Liabilities $8,794,595
    Total deposits $8,624,346
    Interest-bearing deposits $6,108,558
    Deposits held in domestic offices $8,624,346
    % insured (estimated) $62
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $1
    Other borrowed funds $73,316
    Subordinated debt $0
    All other liabilities $96,932

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $6,329,311
    Loan and leases loss allowance $155,937
    Total loans and leases (domestic) $6,485,248
    All real estate loans $3,097,319
    Real estate loans in domestic offices $3,097,319
    Construction and development loans $90,238
    Residential 1-4 family construction $1,948
    Other construction, all land development and other land $88,290
    Loans secured by nonfarm nonresidential properties $986,211
    Nonfarm nonresidential secured by owner-occupied properties $424,835
    Commercial real estate & other non-farm, non-residential $561,376
    Multifamily residential real estate $29,091
    1-4 family residential loans $1,973,566
    Farmland loans $18,213
    Loans held in foreign offices $0
    Farm loans $7,743
    Commercial and industrial loans $1,123,262
    To non-U.S. addressees $0
    Loans to individuals $2,077,480
    Credit card loans $46,793
    Related Plans $15,911
    Consumer Auto Loans $1,668,659
    Other loans to individuals $346,117
    All other loans & leases $179,444
    Loans to foreign governments and official institutions $0
    Other loans $75,253
    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 $112,929
    Non 1-4 family restructured loans & leases $23,547
    Total loans and leases (foreign) $0

    Oriental Bank had $6,329,311,000 of loans outstanding in 2021. $3,097,319,000 of loans were in real estate loans. $90,238,000 of loans were in development loans. $29,091,000 of loans were in multifamily mortgage loans. $1,973,566,000 of loans were in 1-4 family mortgage loans. $7,743,000 of loans were in farm loans. $46,793,000 of loans were in credit card loans. $1,668,659,000 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 1,355 $213,252 $157,382
    Nonfarm, nonresidential loans - <$100k 281 $11,708 $41,665
    Nonfarm, nonresidential loans - $100-250k 591 $60,964 $103,154
    Nonfarm, nonresidential loans - $250k-1MM 483 $140,580 $291,056
    Commercial & Industrial, US addressed loans - <$1MM 6,989 $241,412 $34,542
    Commercial & Industrial, US addressed loans - <$100k 5,333 $75,572 $14,171
    Commercial & Industrial, US addressed loans - $100-250k 505 $47,008 $93,085
    Commercial & Industrial, US addressed loans - $250k-1MM 1,151 $118,832 $103,242
    Farmland loans - <$1MM 5 $246 $49,200
    Farmland loans - <$100k 1 $8 $8,000
    Farmland loans - $100-250k 4 $238 $59,500
    Agriculture operations loans - <$1MM 7 $797 $113,857
    Agriculture operations loans - <$100k 2 $96 $48,000
    Agriculture operations loans - $100-250k 1 $24 $24,000
    Agriculture operations loans - $250k-1MM 4 $677 $169,250