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RIVER VALLEY BANK 327 N 17TH AVE, SUITE 200
WAUSAU, 54402-0777

2008 Mortgage Research	Gogebic	Michigan	US
Total Applications	47	438	1,151
Average Loan	$71.6k	$99.6k	$122.1k
Loan to Income Ratio	0.95	1.39	1.44
Subprime Loans	6.38%	16.44%	15.73%
Refinancing Loans	48.94%	50%	54.39%
Principal Dwellings	85.11%	82.65%	79.84%
Rejected Applications	—	—	—

RIVER VALLEY BANK 327 N 17TH AVE, SUITE 200WAUSAU, 54402-0777