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FIRST NATIONAL BANK OF GEORGIA 201 MAPLE STREET
CARROLLTON, 30117

2008 Mortgage Research	Carroll	Georgia	US
Total Applications	497	1,005	1,077
Average Loan	$89.8k	$99.0k	$103.6k
Loan to Income Ratio	0.86	0.98	1.01
Subprime Loans	30.18%	32.24%	33.80%
Refinancing Loans	50.70%	52.54%	52.37%
Principal Dwellings	57.14%	57.21%	57.94%
Rejected Applications	5.03%	5.37%	5.29%

FIRST NATIONAL BANK OF GEORGIA 201 MAPLE STREETCARROLLTON, 30117