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FIRST NATIONAL BANK PO BOX N, 31 CENTRAL STREET E
BAGLEY, 56621

2008 Mortgage Research	Clearwater	Minnesota	US
Total Applications	40	65	65
Average Loan	$54.8k	$59.2k	$59.2k
Loan to Income Ratio	0.97	0.89	0.89
Subprime Loans	52.50%	41.54%	41.54%
Refinancing Loans	37.50%	33.85%	33.85%
Principal Dwellings	70%	67.69%	67.69%
Rejected Applications	15%	18.46%	18.46%

FIRST NATIONAL BANK PO BOX N, 31 CENTRAL STREET EBAGLEY, 56621