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FIRST NATIONAL BANK AND TRUST 101 WEST SYCAMORE STREET/P.O. BOX 9012
KOKOMO, 46904-9012

2006 Mortgage Research Clay Indiana US
Total Applications 48 1,485 1,516
Average Loan $66.6k $102.4k $104.2k
Loan to Income Ratio 1.28 1.30 1.31
Subprime Loans 6.25% 5.39% 5.41%
Refinancing Loans 50% 42.09% 41.89%
Principal Dwellings 95.83% 94.01% 93.54%
Rejected Applications 12.50% 16.03% 15.90%