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THE CITIZENS NATIONAL BANK 102 S. MAIN ST.
BLUFFTON, 45817

2008 Mortgage Research	Allen	Ohio	US
Total Applications	271	685	709
Average Loan	$120.7k	$118.3k	$118.9k
Loan to Income Ratio	1.35	1.41	1.42
Subprime Loans	1.48%	1.02%	0.99%
Refinancing Loans	54.24%	54.89%	53.88%
Principal Dwellings	88.93%	82.19%	81.81%
Rejected Applications	12.92%	13.43%	13.12%

THE CITIZENS NATIONAL BANK 102 S. MAIN ST.BLUFFTON, 45817