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VANTUS BANK PO BOX 897
SIOUX CITY, 51102

2008 Mortgage Research	Monona	Iowa	US
Total Applications	18	898	988
Average Loan	$76.4k	$91.9k	$99.3k
Loan to Income Ratio	1.19	1.23	1.26
Subprime Loans	22.22%	15.59%	14.68%
Refinancing Loans	27.78%	38.20%	38.56%
Principal Dwellings	100%	93.10%	92.61%
Rejected Applications	5.56%	8.57%	8.70%

VANTUS BANK PO BOX 897SIOUX CITY, 51102