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FIRST NATIONAL BANK TEXAS 507 N. GRAY STREET
KILLEEN, 76541

2008 Mortgage Research	Bell	Texas	US
Total Applications	801	1,366	1,396
Average Loan	$140.5k	$130.8k	$130.9k
Loan to Income Ratio	2.09	1.83	1.84
Subprime Loans	2.50%	3.15%	3.15%
Refinancing Loans	2.50%	4.76%	4.73%
Principal Dwellings	95.26%	93.85%	93.91%
Rejected Applications	3.75%	10.76%	10.60%

FIRST NATIONAL BANK TEXAS 507 N. GRAY STREETKILLEEN, 76541