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BANK OF THE OZARKS PO BOX 8811
LITTLE ROCK, 72231

2008 Mortgage Research	Franklin	Arkansas	US
Total Applications	124	1,787	1,908
Average Loan	$45.1k	$80.4k	$96.4k
Loan to Income Ratio	0.58	1.11	1.12
Subprime Loans	39.52%	41.13%	39.57%
Refinancing Loans	58.06%	50.08%	49.21%
Principal Dwellings	63.71%	70.29%	70.23%
Rejected Applications	10.48%	9.35%	10.27%

BANK OF THE OZARKS PO BOX 8811LITTLE ROCK, 72231