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

2008 Mortgage Research	Dickens	Texas	US
Total Applications	1	7,087	231,155
Average Loan	$64.0k	$127.6k	$185.0k
Loan to Income Ratio	1.14	1.26	1.94
Subprime Loans	100%	9.76%	3.21%
Refinancing Loans	—	17.10%	39.98%
Principal Dwellings	100%	92.31%	92.70%
Rejected Applications	—	17.12%	13.29%

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