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

2008 Mortgage Research	Flathead	Montana	US
Total Applications	327	2,541	231,155
Average Loan	$206.5k	$179.4k	$185.0k
Loan to Income Ratio	2.63	1.91	1.94
Subprime Loans	2.75%	2.36%	3.21%
Refinancing Loans	66.36%	50.14%	39.98%
Principal Dwellings	91.44%	90.67%	92.70%
Rejected Applications	21.10%	10.11%	13.29%

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