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WEST TEXAS NATIONAL BANK 6 DESTA DRIVE SUITE 2400
MIDLAND, 79705

2008 Mortgage Research	Brewster	Texas	US
Total Applications	38	153	156
Average Loan	$75.5k	$79.6k	$89.0k
Loan to Income Ratio	0.54	0.54	0.58
Subprime Loans	21.05%	25.49%	25%
Refinancing Loans	34.21%	19.61%	19.87%
Principal Dwellings	73.68%	82.35%	80.77%
Rejected Applications	15.79%	26.80%	26.28%

WEST TEXAS NATIONAL BANK 6 DESTA DRIVE SUITE 2400MIDLAND, 79705