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

2008 Mortgage Research	Benton	Minnesota	US
Total Applications	106	12,835	231,155
Average Loan	$148.1k	$205.1k	$185.0k
Loan to Income Ratio	2.41	2.07	1.94
Subprime Loans	—	1.58%	3.21%
Refinancing Loans	38.68%	46.78%	39.98%
Principal Dwellings	99.06%	93.20%	92.70%
Rejected Applications	7.55%	9.72%	13.29%

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