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FIRST NATIONAL BANK 101 MAIN STREET
MASSENA, 50853

2008 Mortgage Research	Adair	Iowa	US
Total Applications	37	70	71
Average Loan	$108.4k	$158.3k	$157.7k
Loan to Income Ratio	1.51	1.12	1.12
Subprime Loans	48.65%	44.29%	45.07%
Refinancing Loans	51.35%	55.71%	54.93%
Principal Dwellings	89.19%	85.71%	85.92%
Rejected Applications	5.41%	7.14%	7.04%

FIRST NATIONAL BANK 101 MAIN STREETMASSENA, 50853