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MIDLAND STATES BANK 133 W. JEFFERSON
EFFINGHAM, 62401

2006 Mortgage Research Bond Illinois US
Total Applications 59 506 524
Average Loan $95.3k $86.2k $92.6k
Loan to Income Ratio 1.55 1.37 1.38
Subprime Loans 3.39% 8.70% 8.40%
Refinancing Loans 16.95% 33.40% 34.73%
Principal Dwellings 89.83% 88.14% 86.26%
Rejected Applications — — —