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HOME FEDERAL BANK P.O. BOX 5000
SIOUX FALLS, 57117-5000

2006 Mortgage Research South Dakota US
Total Applications 1,248 1,273
Average Loan $110.3k $111.0k
Loan to Income Ratio 1.72 1.72
Subprime Loans 4.65% 4.87%
Refinancing Loans 30.61% 30.56%
Principal Dwellings 94.39% 94.34%
Rejected Applications 15.79% 16.03%