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AMERICAN HERITAGE BANK PO BOX 1408
SAPULPA, 74067-1408

2008 Mortgage Research	Creek	Oklahoma	US
Total Applications	232	510	511
Average Loan	$61.5k	$60.4k	$60.3k
Loan to Income Ratio	0.90	0.82	0.82
Subprime Loans	23.71%	23.92%	23.87%
Refinancing Loans	23.28%	22.55%	22.50%
Principal Dwellings	66.81%	72.55%	72.41%
Rejected Applications	12.93%	14.51%	14.48%

AMERICAN HERITAGE BANK PO BOX 1408SAPULPA, 74067-1408