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FIRST DAKOTA NATIONAL BANK 225 CEDAR ST
YANKTON, 57078

2008 Mortgage Research	Clay	South Dakota	US
Total Applications	65	908	987
Average Loan	$113.1k	$145.3k	$166.6k
Loan to Income Ratio	1.30	1.73	1.66
Subprime Loans	6.15%	4.52%	4.36%
Refinancing Loans	38.46%	45.59%	47.42%
Principal Dwellings	78.46%	84.91%	83.59%
Rejected Applications	3.08%	5.07%	5.37%

FIRST DAKOTA NATIONAL BANK 225 CEDAR STYANKTON, 57078