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FIRST FEDERAL BANK 601 CLINTON STREET
DEFIANCE, 43512

2008 Mortgage Research	Allen	Ohio	US
Total Applications	282	2,536	3,481
Average Loan	$101.8k	$126.4k	$124.4k
Loan to Income Ratio	1.68	1.60	1.61
Subprime Loans	2.48%	3.08%	2.47%
Refinancing Loans	51.77%	56.98%	46.60%
Principal Dwellings	87.94%	83.91%	85.35%
Rejected Applications	6.03%	11.16%	16.58%

FIRST FEDERAL BANK 601 CLINTON STREETDEFIANCE, 43512