| Loan Cycle | LESS (Loans = 130) | MORE (Loans = 298) | |||||
| Frequency | Percent | Average | Frequency | Percent | Average | ||
| 1 | 11 | 8.8 | 18000.0 | 75 | 25.4 | 13813.3 | |
| 2 | 44 | 35.2 | 19681.8 | 119 | 40.3 | 22159.6 | |
| 3 | 29 | 23.2 | 28965.5 | 55 | 18.6 | 27400.0 | |
| 4 | 23 | 18.4 | 33260.8 | 23 | 7.8 | 33521.7 | |
| 5 | 13 | 10.4 | 33846.2 | 18 | 6.1 | 35000.0 | |
| >5 | 5 | 4.0 | 47000.0 | 5 | 1.7 | 34800.0 | |