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GIRARD NATIONAL BANK 100 E. FOREST
GIRARD, 66743

2008 Mortgage Research	Kiowa	Colorado	US
Total Applications	6	64	352
Average Loan	$26.7k	$48.1k	$45.0k
Loan to Income Ratio	0.53	0.91	0.64
Subprime Loans	16.67%	25%	38.07%
Refinancing Loans	50%	42.19%	54.26%
Principal Dwellings	66.67%	59.38%	65.34%
Rejected Applications	—	9.38%	9.94%

GIRARD NATIONAL BANK 100 E. FORESTGIRARD, 66743