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FARMERS & MERCHANTS BANK 110 CARTER STREET
LAKELAND, 31635

2008 Mortgage Research	Atkinson	Georgia	US
Total Applications	12	1,106	1,118
Average Loan	$60.5k	$94.3k	$96.4k
Loan to Income Ratio	1.24	1.22	1.22
Subprime Loans	25%	42.04%	41.77%
Refinancing Loans	75%	64.47%	64.58%
Principal Dwellings	33.33%	62.84%	62.61%
Rejected Applications	—	—	—

FARMERS & MERCHANTS BANK 110 CARTER STREETLAKELAND, 31635