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FIRST NATIONAL BANK & TRUST 502 S HICKORY, P O BOX 1928
MOUNTAIN HOME, 72654-1928

2008 Mortgage Research	Baxter	Arkansas	US
Total Applications	149	321	321
Average Loan	$85.5k	$76.0k	$76.0k
Loan to Income Ratio	1.21	1.07	1.07
Subprime Loans	46.98%	48.91%	48.91%
Refinancing Loans	34.90%	38.32%	38.32%
Principal Dwellings	94.63%	96.26%	96.26%
Rejected Applications	12.08%	12.77%	12.77%

FIRST NATIONAL BANK & TRUST 502 S HICKORY, P O BOX 1928MOUNTAIN HOME, 72654-1928