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THE HERITAGE BANK P O BOX 1009
HINESVILLE, 31310

2008 Mortgage Research	Brantley	Georgia	US
Total Applications	28	990	1,001
Average Loan	$59.4k	$104.1k	$105.0k
Loan to Income Ratio	0.84	0.86	0.87
Subprime Loans	32.14%	29.29%	29.07%
Refinancing Loans	64.29%	53.84%	53.85%
Principal Dwellings	67.86%	58.18%	58.04%
Rejected Applications	—	—	—

THE HERITAGE BANK P O BOX 1009HINESVILLE, 31310