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

2008 Mortgage Research	Wallowa	Oregon	US
Total Applications	12	4,040	231,155
Average Loan	$173.9k	$214.2k	$185.0k
Loan to Income Ratio	2.63	2.03	1.94
Subprime Loans	—	2.85%	3.21%
Refinancing Loans	50%	50.54%	39.98%
Principal Dwellings	83.33%	89.11%	92.70%
Rejected Applications	16.67%	14.38%	13.29%

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