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FIRST NATIONAL BANK OF OKLAHOM 1501 E PROSPECT
PONCA CITY, 74602

2008 Mortgage Research	Kay	Oklahoma	US
Total Applications	187	285	287
Average Loan	$74.3k	$92.6k	$97.5k
Loan to Income Ratio	0.95	0.92	0.97
Subprime Loans	38.50%	39.65%	39.37%
Refinancing Loans	54.01%	57.89%	57.84%
Principal Dwellings	66.31%	65.96%	65.85%
Rejected Applications	9.09%	8.77%	8.71%

FIRST NATIONAL BANK OF OKLAHOM 1501 E PROSPECTPONCA CITY, 74602