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INDEPENDENCE BANK 2425 FREDERICA ST PO BOX 988
OWENSBORO, 42301-0988

2008 Mortgage Research	Daviess	Kentucky	US
Total Applications	270	931	1,019
Average Loan	$106.0k	$96.2k	$98.6k
Loan to Income Ratio	1.32	1.16	1.17
Subprime Loans	10.37%	13.86%	12.86%
Refinancing Loans	41.11%	44.25%	41.81%
Principal Dwellings	71.85%	72.82%	71.25%
Rejected Applications	3.33%	8.38%	10.60%

INDEPENDENCE BANK 2425 FREDERICA ST PO BOX 988OWENSBORO, 42301-0988