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MERCHANTS & FARMERS BANK P.O. BOX 520
KOSCIUSKO, 39090

2006 Mortgage Research Calhoun Mississippi US
Total Applications 25 1,682 1,908
Average Loan $33.0k $98.5k $97.6k
Loan to Income Ratio 0.52 0.63 0.64
Subprime Loans 48% 24.44% 23.38%
Refinancing Loans 64% 44.71% 44.13%
Principal Dwellings 84% 74.44% 74.53%
Rejected Applications 4% 7.79% 8.44%