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FIRST SOUTHERN NATIONAL BANK P O BOX 328
STANFORD, 40484-0328

2008 Mortgage Research	Caldwell	Kentucky	US
Total Applications	115	763	773
Average Loan	$50.5k	$89.3k	$90.9k
Loan to Income Ratio	0.88	1.10	1.11
Subprime Loans	21.74%	15.86%	16.04%
Refinancing Loans	38.26%	43.77%	43.86%
Principal Dwellings	83.48%	78.37%	78.01%
Rejected Applications	—	3.67%	3.62%

FIRST SOUTHERN NATIONAL BANK P O BOX 328STANFORD, 40484-0328