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CHEMICAL BANK 333 E MAIN STREET
MIDLAND, 48640

2008 Mortgage Research	Arenac	Michigan	US
Total Applications	127	5,710	6,110
Average Loan	$69.5k	$98.5k	$99.5k
Loan to Income Ratio	1.19	1.31	1.34
Subprime Loans	15.75%	10.26%	9.67%
Refinancing Loans	57.48%	49.61%	46.81%
Principal Dwellings	94.49%	85.87%	86.12%
Rejected Applications	15.75%	15.38%	17.73%

CHEMICAL BANK 333 E MAIN STREETMIDLAND, 48640