Enterprise Bank & Trust Mortgage Rates, Fees & Info

Clayton, MO

LEI: K0ZDN2CBIQC0EHBKNK35

Tax ID: 43-1472619

5 stars - out of 5 stars, based on 27 reviews

2021 Data | 2020 Data | 2019 Data | 2018 Data


Overview

Enterprise Bank & Trust is a smaller bank specializing in Home Purchase and Refi loans. Enterprise Bank & Trust 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 include Los Angeles, Santa Fe, St. Louis, Los Alamos, and Kansas City among others. Enterprise Bank & Trust 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. Enterprise Bank & Trust is typically an average fee lendor.


Originations

713

Origination Dollar Volume (All Markets)

$329,585,000

Employee count

1,054 Show all (10) awards

Relative Rate

Enterprise Bank & Trust's average 30 year fixed rate mortgage of loans were 3.08%.

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

This yields a difference of -0.07%.

Relative Fees

Enterprise Bank & Trust's average total fees for a 30 year fixed rate mortgage are $3,771.

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
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 31 $124,525,000 $4,016,935 $0 4.41%
SANTA FE, NM (FHA|USDA|VA) 180 $56,760,000 $315,333 $4,292 2.94%
ST. LOUIS, MO-IL (FHA|USDA|VA) 224 $52,880,000 $236,071 $2,526 3.27%
Los Alamos, NM (FHA|USDA|VA) 70 $22,150,000 $316,429 $4,074 2.92%
KANSAS CITY, MO-KS (FHA|USDA|VA) 66 $17,100,000 $259,091 $2,627 3.40%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 20 $11,050,000 $552,500 $4,341 2.97%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 5 $10,335,000 $2,067,000 $0 5.00%
ALBUQUERQUE, NM (FHA|USDA|VA) 27 $6,745,000 $249,815 $3,763 2.95%
Outside of Metro Areas 27 $5,935,000 $219,815 $3,568 2.90%
EspaƱola, NM (FHA|USDA|VA) 7 $2,365,000 $337,857 $4,508 2.82%
Las Vegas, NM (FHA|USDA|VA) 9 $2,055,000 $228,333 $4,291 3.15%
Breckenridge, CO (FHA|USDA|VA) 1 $1,805,000 $1,805,000 $0 4.00%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 3 $1,455,000 $485,000 $0 3.67%
LAWRENCE, KS (FHA|USDA|VA) 2 $1,420,000 $710,000 $2,486 4.20%
TUCSON, AZ (FHA|USDA|VA) 3 $1,155,000 $385,000 $5,414 3.08%
Taos, NM (FHA|USDA|VA) 4 $1,020,000 $255,000 $4,460 3.06%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 1 $905,000 $905,000 $6,648 4.63%
FLAGSTAFF, AZ (FHA|USDA|VA) 2 $680,000 $340,000 $0 4.25%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 1 $665,000 $665,000 $0 3.00%
Hailey, ID (FHA|USDA|VA) 1 $645,000 $645,000 $6,717 3.00%
Sevierville, TN (FHA|USDA|VA) 1 $625,000 $625,000 $0 4.25%
BEND, OR (FHA|USDA|VA) 1 $545,000 $545,000 $5,004 2.88%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 1 $545,000 $545,000 $5,845 2.50%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 1 $545,000 $545,000 $0 3.88%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 1 $535,000 $535,000 $0 4.25%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 1 $515,000 $515,000 $0 4.13%
CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) 4 $420,000 $105,000 $2,295 2.81%
WORCESTER, MA-CT (FHA|USDA|VA) 1 $405,000 $405,000 $2,863 3.20%
KNOXVILLE, TN (FHA|USDA|VA) 1 $365,000 $365,000 $5,861 2.88%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 1 $355,000 $355,000 $2,308 3.00%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 1 $305,000 $305,000 $4,356 2.25%
THE VILLAGES, FL (FHA|USDA|VA) 1 $295,000 $295,000 $4,766 3.38%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 1 $285,000 $285,000 $4,564 2.75%
COLORADO SPRINGS, CO (FHA|USDA|VA) 1 $285,000 $285,000 $2,824 2.88%
NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN (FHA|USDA|VA) 1 $235,000 $235,000 $2,366 4.00%
Farmington, MO (FHA|USDA|VA) 1 $215,000 $215,000 $2,322 3.38%
Ruidoso, NM (FHA|USDA|VA) 1 $205,000 $205,000 $3,325 2.88%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 1 $205,000 $205,000 $0 4.75%
Clovis, NM (FHA|USDA|VA) 1 $205,000 $205,000 $3,263 3.25%
Roswell, NM (FHA|USDA|VA) 1 $165,000 $165,000 $1,808 3.00%
LAS CRUCES, NM (FHA|USDA|VA) 1 $165,000 $165,000 $3,111 2.50%
RENO, NV (FHA|USDA|VA) 1 $155,000 $155,000 $2,205 2.63%
Payson, AZ (FHA|USDA|VA) 1 $105,000 $105,000 $2,753 2.63%
Kennett, MO (FHA|USDA|VA) 1 $95,000 $95,000 $6,348 3.00%
FORT WAYNE, IN (FHA|USDA|VA) 1 $95,000 $95,000 $2,149 3.25%
Poplar Bluff, MO (FHA|USDA|VA) 1 $65,000 $65,000 $2,608 3.00%

Enterprise Bank & Trust's top markets include Los Angeles, Santa Fe, St. Louis, Los Alamos, and Kansas City among others.

Product Mix

Loan Type Originations Total Value Average Loan Average Fees Average Rate
Conventional 686 $324,930,000 $473,659 $3,382 3.20%
FHA 26 $4,490,000 $172,692 $6,256 2.81%
VA 1 $165,000 $165,000 $6,493 3.38%

For the 2021 period, Enterprise Bank & Trust's most frequently originated loan type of loans were Conventional, with 686 originations. Their 2nd most popular type is FHA, with 26 originations.

Loan Reason

Loan Reason Originations Total Value Average Loan Average Fees Average Rate
Home Purchase 301 $169,165,000 $562,010 $4,184 3.39%
Refi 217 $104,185,000 $480,115 $2,871 2.96%
Cash Out Refi 171 $46,605,000 $272,544 $3,459 3.01%
Home Improvement 20 $9,090,000 $454,500 $1,408 4.04%
Other 4 $540,000 $135,000 $2,094 3.25%

For the 2021, Enterprise Bank & Trust's most frequently cited loan purpose of loans were Home Purchase, with 301 originations. The 2nd most popular reason of loans were Refi, with 217 originations.

Loan Duration/Length

Loan Length Originations Total Value Average Loan Average Fees Average Rate
30 Year 460 $132,410,000 $287,848 $3,771 3.08%
15 Year 94 $21,290,000 $226,489 $2,875 2.53%
5 Year 46 $50,240,000 $1,092,174 $0 4.06%
Other 44 $80,590,000 $1,831,591 $1,905 4.21%
20 Year 27 $6,505,000 $240,926 $2,871 2.78%
1 Year 22 $9,790,000 $445,000 $3,216 4.72%
10 Year 14 $6,170,000 $440,714 $1,790 3.23%
3 Year 6 $22,590,000 $3,765,000 $0 3.73%

For the 2021, Enterprise Bank & Trust's most frequently cited loan length of loans were 30 Year, with 460 originations. The 2nd most popular length of loans were 15 Year, with 94 originations.

Origination Fees

Origination Fee Originations Total Value Average Loan
$<1k 345 $91,605,000 $265,522
$1k-2k 125 $33,095,000 $264,760
$2k-3k 59 $16,485,000 $279,407
$3k-4k 14 $5,610,000 $400,714
$5k+ 10 $4,290,000 $429,000

$3,771 of loans were Enterprise Bank & Trust's average total fees, while their most frequently occuring range of origination fees were in the $<1k bucket, with 345 originations.

Interest Rates

Loan Rate Originations Total Value Average Loan
2.5-3% 280 $79,340,000 $283,357
3-4% 221 $116,385,000 $526,629
<2.5% 111 $27,835,000 $250,766
4-5% 97 $99,605,000 $1,026,856
5-6% 3 $4,315,000 $1,438,333

During 2021, Enterprise Bank & Trust's average interest rate of loans were 3.08%, while their most frequently originated rate bucket of loans were 2.5-3%, with 280 originations.

Loan Sizing

Loan Size Originations Total Value Average Loan Average Fees Average Rate
$200k-400k 297 $83,615,000 $281,532 $3,648 3.10%
$100k-200k 194 $28,940,000 $149,175 $2,906 3.12%
$400k-600k 120 $57,940,000 $482,833 $4,449 2.98%
$100,000 or less 54 $3,920,000 $72,593 $2,139 3.42%
$1MM+ 35 $145,745,000 $4,164,143 $11,547 4.35%
$600k-1MM 13 $9,425,000 $725,000 $6,240 3.94%

2021 saw Enterprise Bank & Trust place emphasis on $200k-400k loans with 297 originations, totaling $83,615,000 in origination value.

Applicant Income

Applicant Income Originations Total Value Average Loan Average Fees Average Rate
$100k-150k 133 $40,215,000 $302,368 $3,710 2.96%
$150k-250k 111 $37,105,000 $334,279 $3,635 2.95%
$75k-100k 100 $25,370,000 $253,700 $3,485 2.94%
$50k-75k 92 $18,950,000 $205,978 $3,387 2.99%
$50k or less 83 $11,825,000 $142,470 $3,273 3.14%
$250k+ 54 $22,420,000 $415,185 $3,840 2.91%

Enterprise Bank & Trust lent most frequently to those with incomes in the $100k-150k range, with 133 originations. The second most popular income band? $150k-250k, with 111 originations.

Applicant Debt to Income Ratio

DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
20-30% 165 $42,015,000 $254,636 $3,207 2.99%
30-36% 107 $28,825,000 $269,393 $3,477 2.99%
<20% 107 $28,335,000 $264,813 $2,995 2.92%
39% 25 $6,185,000 $247,400 $4,012 3.15%
38% 22 $5,820,000 $264,545 $3,693 3.13%
37% 20 $6,180,000 $309,000 $3,533 3.18%
44% 18 $4,910,000 $272,778 $4,744 3.04%
36% 17 $5,135,000 $302,059 $3,680 2.98%
42% 16 $3,570,000 $223,125 $4,464 3.04%
43% 15 $5,145,000 $343,000 $4,982 2.92%
48% 14 $4,600,000 $328,571 $3,860 2.88%
47% 13 $3,465,000 $266,538 $5,263 2.86%
49% 13 $3,335,000 $256,538 $3,588 2.77%
41% 13 $3,405,000 $261,923 $3,522 3.05%
45% 12 $3,190,000 $265,833 $3,713 2.90%
40% 12 $3,040,000 $253,333 $3,579 2.98%
46% 10 $3,740,000 $374,000 $3,642 2.83%
50-60% 4 $1,920,000 $480,000 $4,471 3.09%

Enterprise Bank & Trust lent most frequently to those with DTI ratios of 20-30%, with 165 originations. The next most common DTI ratio? 30-36%, with 107 originations.

Ethnicity Mix

Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
Not applicable 101 $159,665,000 $1,580,842 $0 4.29%
White 547 $148,045,000 $270,649 $3,452 3.00%
Not provided 33 $14,775,000 $447,727 $3,905 3.06%
Black 18 $3,040,000 $168,889 $4,787 3.06%
Asian 10 $2,930,000 $293,000 $3,098 3.10%
American Indian 4 $1,130,000 $282,500 $5,547 2.94%

Approval Rates

Total approvals of all applications
91.46%

Enterprise Bank & Trust has an average approval rate.

Pick Rate

Approvals leading to origination
73.58%

Enterprise Bank & Trust has a below average pick rate.

Points and Fees

Points Originations Total Value Average Loan
NA 713 $329,585,000 $462,251

Occupancy Type Mix

Dwelling Type Originations Total Value Average Loan
713 $329,585,000 $462,251

LTV Distribution

Loan to Value Originations Total Value Average Loan Average Fees Average Rate
20-40% 65 $19,385,000 $298,231 $3,253 2.97%
40-60% 176 $98,030,000 $556,989 $2,971 3.01%
60-80% 292 $152,220,000 $521,301 $3,540 3.37%
80-100% 162 $46,240,000 $285,432 $4,214 3.09%
Over 100% 3 $10,765,000 $3,588,333 $6,493 4.46%
Under 20% 15 $2,945,000 $196,333 $1,980 3.31%

Complaints

Bank Name Product Issue 2021 CPFB Complaints % of Total Issues
EnTrust Funding Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 4 80.0%
EnTrust Funding FHA mortgage Applying for a mortgage or refinancing an existing mortgage 1 20.0%

Bank Details

Branches

Bank Name Branch Branch Type Deposits (000's)
Enterprise Bank & Trust 11401 Olive Boulevard Creve Coeur, MO 63141 Full Service B&M $321,010
Enterprise Bank & Trust 1001 First Capitol Drive Saint Charles, MO 63301 Full Service B&M $62,175
Enterprise Bank & Trust 1052 South Kirkwood Road Kirkwood, MO 63122 Full Service B&M $79,577
Enterprise Bank & Trust 10596 Highway 21 Hillsboro, MO 63050 Full Service B&M $106,038
Enterprise Bank & Trust 110 North Clairborne Olathe, KS 66061 Full Service B&M $134,983
Enterprise Bank & Trust 175 North Parker Street Olathe, KS 66061 Full Service B&M $36,279
Enterprise Bank & Trust 2009 Galisteo Street Santa Fe, NM 87505 Full Service B&M $263,262
Enterprise Bank & Trust 22 West 35th Street Suite 102 National City, CA 91950 Full Service B&M $52,279
Enterprise Bank & Trust 2521 Brentwood Boulevard Brentwood, MO 63144 Full Service B&M $46,004
Enterprise Bank & Trust 277 N El Camino Real, Ste A Encinitas, CA 92024 Full Service B&M $50,018
Enterprise Bank & Trust 300 St. Peters Centre Boulevard St. Peters, MO 63376 Full Service B&M $545,663
Enterprise Bank & Trust 301 Griffin Street Santa Fe, NM 87501 Full Service B&M $226,872
Enterprise Bank & Trust 31351 Rancho Viejo Road, Suite 101 San Juan Capistrano, CA 92675 Full Service B&M $80,683
Enterprise Bank & Trust 3674 Cerrillos Rd Santa Fe, NM 87507 Full Service B&M $60,801
Enterprise Bank & Trust 3890 South Lindbergh Boulevard Sunset Hills, MO 63127 Full Service B&M $621,560
Enterprise Bank & Trust 3900 E Camelback Rd Phoenix, AZ 85018 Full Service B&M $235,170
Enterprise Bank & Trust 3944 Vogel Road Arnold, MO 63010 Full Service B&M $92,366
Enterprise Bank & Trust 4100 Lindell Blvd Saint Louis, MO 63108 Full Service B&M $15,671
Enterprise Bank & Trust 444 East Santa Fe Street Olathe, KS 66061 Full Service B&M $152,272
Enterprise Bank & Trust 4675 Gravois Road House Springs, MO 63051 Full Service B&M $95,916
Enterprise Bank & Trust 5721 South Lindbergh Boulevard Saint Louis, MO 63123 Full Service B&M $60,342
Enterprise Bank & Trust 6725 Chippewa Saint Louis, MO 63109 Full Service B&M $42,101
Enterprise Bank & Trust 680 South Mill Street Festus, MO 63028 Full Service B&M $95,628
Enterprise Bank & Trust 7092 S. Outer 364 O Fallon, MO 63368 Limited, Mobile/Seasonal Office $1,311
Enterprise Bank & Trust 7445 Pan American Freeway Ne Albuquerque, NM 87109 Full Service B&M $69,713
Enterprise Bank & Trust 77 Rover Boulevard White Rock, NM 87544 Full Service B&M $19,703
Enterprise Bank & Trust 8311 West Sunset Road, Suite 140 Las Vegas, NV 89113 Full Service B&M $40,353
Enterprise Bank & Trust 8475 Local Hillsboro Road Cedar Hill, MO 63016 Full Service B&M $64,439
Enterprise Bank & Trust 8698 East Raintree Drive, Suite 104 Scottsdale, AZ 85260 Full Service B&M $107,933
Enterprise Bank & Trust State Road 21, 12941 State Road 21 De Soto, MO 63020 Full Service B&M $35,729
Enterprise Bank & Trust 11939 Rancho Bernardo Road, Suite 200 San Diego, CA 92128 Full Service B&M $1,058,781
Enterprise Bank & Trust 11970 S Blackbob Rd Olathe, KS 66062 Full Service B&M $58,072
Enterprise Bank & Trust 1200 Trinity Drive Los Alamos, NM 87544 Full Service B&M $662,975
Enterprise Bank & Trust 12695 Metcalf Avenue Overland Park, KS 66213 Full Service B&M $513,378
Enterprise Bank & Trust 1281 North Warson Road Saint Louis, MO 63132 Full Service B&M $1,581
Enterprise Bank & Trust 13457 Tesson Ferry Road, Suite 10 Saint Louis, MO 63128 Limited, Mobile/Seasonal Office $1,712
Enterprise Bank & Trust 14 North Jackson Street Perryville, MO 63775 Full Service B&M $60,045
Enterprise Bank & Trust 14231 Manchester Road Manchester, MO 63011 Full Service B&M $59,336
Enterprise Bank & Trust 150 North Meramec Clayton, MO 63105 Full Service B&M $2,260,951
Enterprise Bank & Trust 151 South 18th Street, Suite T Kansas City, KS 66102 Full Service B&M $35,863
Enterprise Bank & Trust 1737 Main Street Kansas City, MO 64108 Full Service B&M $224,381

For 2021, Enterprise Bank & Trust had 41 branches.

Yearly Performance Overview

Bank Income

Item Value (in 000's)
Total interest income $382,289
Net interest income $370,775
Total noninterest income $57,564
Gross Fiduciary activities income $9,475
Service charges on deposit accounts $15,412
Trading account gains and fees $0
Additional Noninterest Income $32,677
Pre-tax net operating income $179,720
Securities gains (or losses, -) $43
Income before extraordinary items $141,664
Discontinued Operations (Extraordinary gains, net) $0
Net income of bank and minority interests $141,664
Minority interest net income $0
Net income $141,664
Sale, conversion, retirement of capital stock, net $0
Net operating income $141,630

Enterprise Bank & Trust's gross interest income from loans was $382,289,000.
Enterprise Bank & Trust's net interest income from loans was $370,775,000.
Enterprise Bank & Trust's fee based income from loans was $15,412,000.
Enterprise Bank & Trust's net income from loans was $141,664,000.

Bank Expenses

Item Value (in 000's)
Total interest expense $11,514
Provision for credit losses $13,385
Total noninterest expense $235,234
Salaries and employee benefits $132,784
Premises and equipment expense $16,461
Additional noninterest expense $85,989
Applicable income taxes $38,099
Net charge-offs $11,629
Cash dividends $95,000

Enterprise Bank & Trust's interest expense for loans was $11,514,000.
Enterprise Bank & Trust's payroll and benefits expense were $132,784,000.
Enterprise Bank & Trust's property, plant and equipment expenses $16,461,000.

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 0.3%
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 $11,447,700
Deposits held in domestic offices $11,447,700
Deposits by Individuals, partnerships, and corporations $10,961,235
Deposits by U.S. Government $0
Deposits by States and political subdivisions in the U.S. $348,414
Deposits by Commercial banks and other depository institutions in U.S. $138,051
Deposits by Banks in foreign countries $0
Deposits by Foreign governments and official institutions $0
Transaction accounts $2,006,896
Demand deposits $1,578,817
Nontransaction accounts $9,440,804
Money market deposit accounts (MMDAs) $2,890,216
Other savings deposits (excluding MMDAs) $5,942,295
Total time deposits $608,293
Total time and savings deposits $9,868,883
Noninterest-bearing deposits $4,680,757
Interest-bearing deposits $6,766,943
Retail deposits $10,785,680
IRAs and Keogh plan accounts $60,688
Brokered deposits $499,098
Deposits held in foreign offices $0

Assets

Asset Value (in 000's)
Total Assets $13,498,982
Cash & Balances due from depository institutions $2,022,113
Interest-bearing balances $1,812,936
Total securities $1,798,699
Federal funds sold & reverse repurchase $1,356
Net loans and leases $8,878,990
Loan and leases loss allowance $145,041
Trading account assets $0
Bank premises and fixed assets $60,293
Other real estate owned $3,493
Goodwill and other intangibles $394,164
All other assets $339,874

Liabilities

Liabilities Value (in 000's)
Total liabilities and capital $13,498,982
Total Liabilities $11,930,135
Total deposits $11,447,700
Interest-bearing deposits $6,766,943
Deposits held in domestic offices $11,447,700
% insured (estimated) $48
Federal funds purchased and repurchase agreements $331,006
Trading liabilities $0
Other borrowed funds $50,000
Subordinated debt $0
All other liabilities $101,429

Issued Loan Types

Type Value (in 000's)
Net loans and leases $8,878,990
Loan and leases loss allowance $145,041
Total loans and leases (domestic) $9,024,031
All real estate loans $5,340,021
Real estate loans in domestic offices $5,340,021
Construction and development loans $734,073
Residential 1-4 family construction $157,805
Other construction, all land development and other land $576,268
Loans secured by nonfarm nonresidential properties $3,813,549
Nonfarm nonresidential secured by owner-occupied properties $1,889,358
Commercial real estate & other non-farm, non-residential $1,924,191
Multifamily residential real estate $216,952
1-4 family residential loans $460,441
Farmland loans $115,006
Loans held in foreign offices $0
Farm loans $50,984
Commercial and industrial loans $3,341,391
To non-U.S. addressees $0
Loans to individuals $130,462
Credit card loans $4,269
Related Plans $6,149
Consumer Auto Loans $1,293
Other loans to individuals $118,751
All other loans & leases $161,173
Loans to foreign governments and official institutions $0
Other loans $102,334
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 $2,859
Non 1-4 family restructured loans & leases $2,783
Total loans and leases (foreign) $0

Enterprise Bank & Trust had $8,878,990,000 of loans outstanding in 2021. $5,340,021,000 of loans were in real estate loans. $734,073,000 of loans were in development loans. $216,952,000 of loans were in multifamily mortgage loans. $460,441,000 of loans were in 1-4 family mortgage loans. $50,984,000 of loans were in farm loans. $4,269,000 of loans were in credit card loans. $1,293,000 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 2,448 $909,517 $371,535
Nonfarm, nonresidential loans - <$100k 240 $14,182 $59,092
Nonfarm, nonresidential loans - $100-250k 620 $97,196 $156,768
Nonfarm, nonresidential loans - $250k-1MM 1,588 $798,139 $502,606
Commercial & Industrial, US addressed loans - <$1MM 4,133 $595,809 $144,159
Commercial & Industrial, US addressed loans - <$100k 2,624 $72,448 $27,610
Commercial & Industrial, US addressed loans - $100-250k 665 $102,095 $153,526
Commercial & Industrial, US addressed loans - $250k-1MM 844 $421,266 $499,130
Farmland loans - <$1MM 48 $9,251 $192,729
Farmland loans - <$100k 12 $443 $36,917
Farmland loans - $100-250k 13 $2,165 $166,538
Farmland loans - $250k-1MM 23 $6,643 $288,826
Agriculture operations loans - <$1MM 19 $3,180 $167,368
Agriculture operations loans - <$100k 5 $151 $30,200
Agriculture operations loans - $100-250k 8 $1,038 $129,750
Agriculture operations loans - $250k-1MM 6 $1,991 $331,833