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BANK FORWARD 390 WHEAT STREET, PO BOX 100
HANNAFORD, 58448

2008 Mortgage Research	Beltrami	Minnesota	US
Total Applications	47	153	329
Average Loan	$131.9k	$131.0k	$124.7k
Loan to Income Ratio	2.01	1.75	1.35
Subprime Loans	10.64%	20.92%	20.06%
Refinancing Loans	63.83%	56.21%	44.38%
Principal Dwellings	72.34%	70.59%	72.04%
Rejected Applications	—	—	—

BANK FORWARD 390 WHEAT STREET, PO BOX 100HANNAFORD, 58448