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STEARNS BANK, NA 4191 2ND STREET SOUTH
ST. CLOUD, 56301

2008 Mortgage Research	Buffalo	South Dakota	US
Total Applications	1	3	146
Average Loan	$1650.0k	$1226.7k	$202.9k
Loan to Income Ratio	4.85	4.85	1.76
Subprime Loans	—	—	2.74%
Refinancing Loans	100%	33.33%	40.41%
Principal Dwellings	100%	33.33%	84.93%
Rejected Applications	—	—	15.07%

STEARNS BANK, NA 4191 2ND STREET SOUTHST. CLOUD, 56301