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

2008 Mortgage Research	Carbon	Utah	US
Total Applications	33	4,279	231,155
Average Loan	$164.8k	$220.4k	$185.0k
Loan to Income Ratio	1.42	2.37	1.94
Subprime Loans	3.03%	0.72%	3.21%
Refinancing Loans	63.64%	60.34%	39.98%
Principal Dwellings	100%	92.26%	92.70%
Rejected Applications	3.03%	7.08%	13.29%

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