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

2008 Mortgage Research Lake South Dakota US
Total Applications 18 1,445 1,470
Average Loan $141.8k $124.7k $125.1k
Loan to Income Ratio 0.93 1.78 1.75
Subprime Loans 5.56% 4.01% 3.95%
Refinancing Loans 50% 38.34% 38.44%
Principal Dwellings 94.44% 94.05% 94.08%
Rejected Applications 5.56% 14.39% 14.35%
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