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SIMMONS FIRST NATIONAL BANK 501 MAIN STREET
PINE BLUFF, 71601-7009

2008 Mortgage Research	Franklin	Arkansas	US
Total Applications	72	1,567	1,628
Average Loan	$58.3k	$103.5k	$103.1k
Loan to Income Ratio	1.03	1.35	1.35
Subprime Loans	22.22%	9.06%	9.64%
Refinancing Loans	31.94%	34.78%	35.01%
Principal Dwellings	84.72%	88.83%	89.00%
Rejected Applications	6.94%	9.00%	8.85%

SIMMONS FIRST NATIONAL BANK 501 MAIN STREETPINE BLUFF, 71601-7009