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NATIONAL BANK & TRUST COMPANY PO BOX 711
WILMINGTON, 45177

2008 Mortgage Research	Brown	Ohio	US
Total Applications	96	371	375
Average Loan	$73.5k	$104.5k	$106.0k
Loan to Income Ratio	1.28	1.46	1.42
Subprime Loans	3.13%	5.66%	5.60%
Refinancing Loans	68.75%	60.65%	60.27%
Principal Dwellings	97.92%	95.15%	94.40%
Rejected Applications	22.92%	19.95%	19.73%

NATIONAL BANK & TRUST COMPANY PO BOX 711WILMINGTON, 45177