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NORTHWEST BANK PO BOX 80
SPENCER, 51301

2008 Mortgage Research Kossuth Iowa US
Total Applications 117 1,214 1,482
Average Loan $89.1k $127.0k $140.9k
Loan to Income Ratio 1.36 1.42 1.53
Subprime Loans 11.97% 9.56% 8.30%
Refinancing Loans 51.28% 48.60% 45.14%
Principal Dwellings 90.60% 88.47% 89.00%
Rejected Applications 11.97% 9.56% 8.10%
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