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GIRARD NATIONAL BANK 100 E. FOREST
GIRARD, 66743

2008 Mortgage Research	Clark	Kansas	US
Total Applications	1	283	352
Average Loan	$304.0k	$43.9k	$45.0k
Loan to Income Ratio	4.90	0.60	0.64
Subprime Loans	—	40.99%	38.07%
Refinancing Loans	100%	57.95%	54.26%
Principal Dwellings	—	66.78%	65.34%
Rejected Applications	—	10.25%	9.94%

GIRARD NATIONAL BANK 100 E. FORESTGIRARD, 66743