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

2008 Mortgage Research	Brown	South Dakota	US
Total Applications	56	631	231,155
Average Loan	$140.2k	$161.5k	$185.0k
Loan to Income Ratio	1.45	1.44	1.94
Subprime Loans	7.14%	3.65%	3.21%
Refinancing Loans	26.79%	42.31%	39.98%
Principal Dwellings	94.64%	88.11%	92.70%
Rejected Applications	1.79%	6.81%	13.29%

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