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THE FIRST BANK AND TRUST CO. P.O. BOX 1000
ABINGDON, 24212

2008 Mortgage Research Bristol Virginia US
Total Applications 65 661 897
Average Loan $80.9k $162.7k $159.3k
Loan to Income Ratio 1.37 1.63 1.49
Subprime Loans 1.54% 6.05% 5.80%
Refinancing Loans 20% 53.10% 50.84%
Principal Dwellings 76.92% 84.42% 82.39%
Rejected Applications 10.77% 9.23% 10.03%
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