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

2008 Mortgage Research	Beltrami	Minnesota	US
Total Applications	27	12,835	231,155
Average Loan	$175.8k	$205.1k	$185.0k
Loan to Income Ratio	2.57	2.07	1.94
Subprime Loans	3.70%	1.58%	3.21%
Refinancing Loans	51.85%	46.78%	39.98%
Principal Dwellings	77.78%	93.20%	92.70%
Rejected Applications	—	9.72%	13.29%

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