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THE NATIONAL BANK OF GEORGIA 2234 W BROAD STREET
ATHENS, 30606

2008 Mortgage Research	Clarke	Georgia	US
Total Applications	231	437	459
Average Loan	$252.6k	$236.2k	$241.2k
Loan to Income Ratio	1.11	1.00	1.01
Subprime Loans	8.66%	9.38%	9.37%
Refinancing Loans	70.56%	70.02%	68.19%
Principal Dwellings	33.33%	38.67%	38.34%
Rejected Applications	2.60%	2.29%	2.83%

THE NATIONAL BANK OF GEORGIA 2234 W BROAD STREETATHENS, 30606