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HOME FEDERAL SAVINGS BANK 1016 CIVIC CENTER DR NW
ROCHESTER, 55901

2008 Mortgage Research	Howard	Iowa	US
Total Applications	7	126	1,268
Average Loan	$63.0k	$67.5k	$141.0k
Loan to Income Ratio	0.96	1.21	1.59
Subprime Loans	28.57%	14.29%	6.23%
Refinancing Loans	85.71%	61.90%	48.03%
Principal Dwellings	100%	92.86%	88.56%
Rejected Applications	—	22.22%	11.44%

HOME FEDERAL SAVINGS BANK 1016 CIVIC CENTER DR NWROCHESTER, 55901