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WHIDBEY ISLAND BANK PO BOX 7001
OAK HARBOR, 98277

2008 Mortgage Research	Island	Washington	US
Total Applications	163	357	359
Average Loan	$253.1k	$272.7k	$272.3k
Loan to Income Ratio	2.64	2.55	2.54
Subprime Loans	12.27%	8.96%	8.91%
Refinancing Loans	76.69%	76.19%	75.77%
Principal Dwellings	83.44%	80.39%	80.22%
Rejected Applications	—	—	—

WHIDBEY ISLAND BANK PO BOX 7001OAK HARBOR, 98277