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

2008 Mortgage Research	Umatilla	Oregon	US
Total Applications	84	4,040	231,155
Average Loan	$176.1k	$214.2k	$185.0k
Loan to Income Ratio	1.89	2.03	1.94
Subprime Loans	—	2.85%	3.21%
Refinancing Loans	44.05%	50.54%	39.98%
Principal Dwellings	82.14%	89.11%	92.70%
Rejected Applications	17.86%	14.38%	13.29%

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