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BRYAN BANK & TRUST P O BOX 1299
RICHMOND HILL, 31324

2008 Mortgage Research	Bryan	Georgia	US
Total Applications	65	139	140
Average Loan	$252.2k	$222.6k	$221.7k
Loan to Income Ratio	1.44	0.92	0.92
Subprime Loans	32.31%	24.46%	25%
Refinancing Loans	69.23%	72.66%	72.86%
Principal Dwellings	61.54%	48.92%	49.29%
Rejected Applications	4.62%	2.88%	2.86%

BRYAN BANK & TRUST P O BOX 1299RICHMOND HILL, 31324