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STATE BANK OF SOUTHERN UTAH PO BOX 340
CEDAR CITY, 84721-0340

2008 Mortgage Research	Garfield	Utah	US
Total Applications	22	405	411
Average Loan	$156.2k	$191.2k	$191.4k
Loan to Income Ratio	2.41	1.77	1.78
Subprime Loans	—	5.43%	5.35%
Refinancing Loans	72.73%	58.02%	58.15%
Principal Dwellings	86.36%	86.42%	86.62%
Rejected Applications	—	0.99%	0.97%

STATE BANK OF SOUTHERN UTAH PO BOX 340CEDAR CITY, 84721-0340