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

2008 Mortgage Research	Ballard	Kentucky	US
Total Applications	7	4,195	231,155
Average Loan	$130.0k	$140.3k	$185.0k
Loan to Income Ratio	2.72	1.89	1.94
Subprime Loans	—	3.31%	3.21%
Refinancing Loans	14.29%	36.52%	39.98%
Principal Dwellings	100%	94.30%	92.70%
Rejected Applications	14.29%	10.85%	13.29%

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