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CADENCE BANK, N.A. P. O. BOX 1187
STARKVILLE, 39760-1187

2008 Mortgage Research	Choctaw	Mississippi	US
Total Applications	13	728	1,129
Average Loan	$97.5k	$100.2k	$131.6k
Loan to Income Ratio	1.16	1.17	1.22
Subprime Loans	7.69%	8.65%	6.47%
Refinancing Loans	46.15%	31.04%	31.71%
Principal Dwellings	84.62%	80.91%	73.87%
Rejected Applications	15.38%	26.51%	21.08%

CADENCE BANK, N.A. P. O. BOX 1187STARKVILLE, 39760-1187