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

2008 Mortgage Research	Cassia	Idaho	US
Total Applications	22	2,326	231,155
Average Loan	$147.7k	$187.4k	$185.0k
Loan to Income Ratio	2.00	1.80	1.94
Subprime Loans	—	1.20%	3.21%
Refinancing Loans	54.55%	58.90%	39.98%
Principal Dwellings	95.45%	88.22%	92.70%
Rejected Applications	—	9.76%	13.29%

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