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BNC NATIONAL BANK 322 EAST MAIN
BISMARCK, 58501

2008 Mortgage Research	Divide	North Dakota	US
Total Applications	2	105	989
Average Loan	$15.0k	$56.8k	$121.1k
Loan to Income Ratio	0.17	0.46	1.61
Subprime Loans	—	12.38%	1.52%
Refinancing Loans	—	41.90%	49.75%
Principal Dwellings	50%	94.29%	96.97%
Rejected Applications	—	5.71%	4.45%

BNC NATIONAL BANK 322 EAST MAINBISMARCK, 58501