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THE STEPHENSON NAT'L BANK & TR 1820 HALL AVE, PO BOX 137
MARINETTE, 54143

2008 Mortgage Research	Menominee	Michigan	US
Total Applications	133	134	294
Average Loan	$88.7k	$88.8k	$84.4k
Loan to Income Ratio	1.46	1.39	1.33
Subprime Loans	45.11%	45.52%	46.26%
Refinancing Loans	55.64%	55.22%	57.82%
Principal Dwellings	75.94%	75.37%	78.91%
Rejected Applications	12.03%	11.94%	13.95%

THE STEPHENSON NAT'L BANK & TR 1820 HALL AVE, PO BOX 137MARINETTE, 54143