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US BANK, N.A. 777 EAST WISCONSIN AVE
MILWAUKEE, 53202-5300

2008 Mortgage Research	Garland	Arkansas	US
Total Applications	105	3,217	231,155
Average Loan	$228.6k	$109.6k	$185.0k
Loan to Income Ratio	1.81	1.60	1.94
Subprime Loans	10.48%	5.32%	3.21%
Refinancing Loans	30.48%	19.61%	39.98%
Principal Dwellings	88.57%	95.65%	92.70%
Rejected Applications	20.95%	13.71%	13.29%

US BANK, N.A. 777 EAST WISCONSIN AVEMILWAUKEE, 53202-5300