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

2008 Mortgage Research	Christian	Illinois	US
Total Applications	58	15,855	231,155
Average Loan	$103.3k	$211.8k	$185.0k
Loan to Income Ratio	1.58	2.06	1.94
Subprime Loans	10.34%	3.60%	3.21%
Refinancing Loans	24.14%	59.09%	39.98%
Principal Dwellings	98.28%	94.97%	92.70%
Rejected Applications	3.45%	9.16%	13.29%

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