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

2008 Mortgage Research	Divide	North Dakota	US
Total Applications	1	586	231,155
Average Loan	$36.0k	$141.1k	$185.0k
Loan to Income Ratio	0.50	1.78	1.94
Subprime Loans	—	4.95%	3.21%
Refinancing Loans	—	37.20%	39.98%
Principal Dwellings	100%	94.03%	92.70%
Rejected Applications	—	14.85%	13.29%

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