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FIRST NATIONAL BANK P O BOX 600
CHRISTIANSBURG, 24068

2006 Mortgage Research Alleghany Virginia US
Total Applications 44 1,683 2,381
Average Loan $99.1k $131.8k $137.8k
Loan to Income Ratio 1.61 1.44 1.55
Subprime Loans 2.27% 2.85% 2.10%
Refinancing Loans 27.27% 39.51% 42.42%
Principal Dwellings 100% 83.07% 84.12%
Rejected Applications 6.82% 7.07% 5.08%