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UNION BANK & TRUST CO. P O BOX 270
MONTICELLO, 71657

2008 Mortgage Research	Bradley	Arkansas	US
Total Applications	36	193	193
Average Loan	$35.4k	$69.5k	$69.5k
Loan to Income Ratio	0.79	0.58	0.58
Subprime Loans	19.44%	23.32%	23.32%
Refinancing Loans	25%	26.42%	26.42%
Principal Dwellings	69.44%	66.84%	66.84%
Rejected Applications	38.89%	22.80%	22.80%

UNION BANK & TRUST CO. P O BOX 270MONTICELLO, 71657