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COMMUNITY FIRST BANK P.O. BOX 1700
HARRISON, 72601

2008 Mortgage Research	Boone	Arkansas	US
Total Applications	296	719	762
Average Loan	$99.0k	$111.1k	$112.1k
Loan to Income Ratio	1.37	1.51	1.53
Subprime Loans	12.50%	15.58%	16.01%
Refinancing Loans	26.35%	33.38%	32.68%
Principal Dwellings	85.81%	79.00%	78.61%
Rejected Applications	8.78%	9.46%	9.71%

COMMUNITY FIRST BANK P.O. BOX 1700HARRISON, 72601