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THE NATIONAL BANK & TRUST CO. 230 W. STATE ST.
SYCAMORE, 60178

2008 Mortgage Research	Dekalb	Illinois	US
Total Applications	321	436	462
Average Loan	$173.6k	$174.0k	$173.2k
Loan to Income Ratio	1.66	1.69	1.68
Subprime Loans	1.56%	2.75%	2.60%
Refinancing Loans	77.26%	75.46%	73.16%
Principal Dwellings	86.92%	87.39%	86.15%
Rejected Applications	2.49%	2.98%	2.81%

THE NATIONAL BANK & TRUST CO. 230 W. STATE ST.SYCAMORE, 60178