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

2008 Mortgage Research	Belmont	Ohio	US
Total Applications	100	13,980	231,155
Average Loan	$92.3k	$120.8k	$185.0k
Loan to Income Ratio	1.68	1.74	1.94
Subprime Loans	2%	1.52%	3.21%
Refinancing Loans	29%	20.04%	39.98%
Principal Dwellings	99%	96.55%	92.70%
Rejected Applications	3%	7.60%	13.29%

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