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SECURITY NATIONAL BANK PO BOX 278
LAUREL, 68745-0278

2008 Mortgage Research	Cedar	Nebraska	US
Total Applications	39	145	151
Average Loan	$57.0k	$63.1k	$64.5k
Loan to Income Ratio	1.11	1.25	1.27
Subprime Loans	7.69%	5.52%	5.30%
Refinancing Loans	46.15%	27.59%	27.81%
Principal Dwellings	94.87%	95.17%	95.36%
Rejected Applications	25.64%	33.79%	33.11%

SECURITY NATIONAL BANK PO BOX 278LAUREL, 68745-0278