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LANDMARK NATIONAL BANK 701 POYNTZ AVE
MANHATTAN, 66502-6052

2008 Mortgage Research	Barton	Kansas	US
Total Applications	154	1,277	1,303
Average Loan	$65.0k	$110.2k	$110.4k
Loan to Income Ratio	1.25	1.54	1.54
Subprime Loans	7.14%	4.39%	4.30%
Refinancing Loans	24.03%	27.41%	27.40%
Principal Dwellings	88.96%	84.89%	84.34%
Rejected Applications	12.34%	16.05%	16.50%

LANDMARK NATIONAL BANK 701 POYNTZ AVEMANHATTAN, 66502-6052