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THE OHIO VALLEY BANK COMPANY 420 THIRD AVENUE
GALLIPOLIS, 45631

2008 Mortgage Research	Gallia	Ohio	US
Total Applications	385	825	1,140
Average Loan	$77.2k	$75.4k	$72.9k
Loan to Income Ratio	1.14	1.07	1.07
Subprime Loans	14.29%	15.03%	15.35%
Refinancing Loans	38.96%	38.67%	35.53%
Principal Dwellings	95.84%	91.88%	91.58%
Rejected Applications	18.44%	20.85%	22.28%

THE OHIO VALLEY BANK COMPANY 420 THIRD AVENUEGALLIPOLIS, 45631