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WOODLANDS NATIONAL BANK 122 EAST MAIN STREET P.O. BOX 190
HINCKLEY, 55037

2008 Mortgage Research	Carlton	Minnesota	US
Total Applications	92	308	312
Average Loan	$153.7k	$136.8k	$136.3k
Loan to Income Ratio	1.71	1.94	1.94
Subprime Loans	15.22%	15.26%	15.38%
Refinancing Loans	65.22%	62.99%	63.46%
Principal Dwellings	83.70%	86.36%	85.90%
Rejected Applications	26.09%	35.71%	35.58%

WOODLANDS NATIONAL BANK 122 EAST MAIN STREET P.O. BOX 190HINCKLEY, 55037