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BANCORPSOUTH BANK P O BOX 789
TUPELO, 38802-0789

2008 Mortgage Research	Calhoun	Arkansas	US
Total Applications	4	3,151	20,302
Average Loan	$49.3k	$95.0k	$134.6k
Loan to Income Ratio	0.82	0.85	1.04
Subprime Loans	—	20.88%	12.68%
Refinancing Loans	25%	58.71%	59.19%
Principal Dwellings	75%	66.39%	71.31%
Rejected Applications	25%	9.39%	9.47%

BANCORPSOUTH BANK P O BOX 789TUPELO, 38802-0789