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

2008 Mortgage Research	Douglas	Minnesota	US
Total Applications	66	12,835	231,155
Average Loan	$195.2k	$205.1k	$185.0k
Loan to Income Ratio	2.34	2.07	1.94
Subprime Loans	1.52%	1.58%	3.21%
Refinancing Loans	63.64%	46.78%	39.98%
Principal Dwellings	89.39%	93.20%	92.70%
Rejected Applications	4.55%	9.72%	13.29%

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