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FIRST FEDERAL BANK 601 CLINTON STREET
DEFIANCE, 43512

2008 Mortgage Research	Defiance	Ohio	US
Total Applications	391	2,536	3,481
Average Loan	$96.6k	$126.4k	$124.4k
Loan to Income Ratio	1.44	1.60	1.61
Subprime Loans	1.02%	3.08%	2.47%
Refinancing Loans	58.06%	56.98%	46.60%
Principal Dwellings	82.61%	83.91%	85.35%
Rejected Applications	10.49%	11.16%	16.58%

FIRST FEDERAL BANK 601 CLINTON STREETDEFIANCE, 43512