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CAPITOL FEDERAL SAVINGS BANK 700 S. KANSAS AVE
TOPEKA, 66603-3894

2008 Mortgage Research	Douglas	Kansas	US
Total Applications	286	4,811	6,657
Average Loan	$168.1k	$170.7k	$189.7k
Loan to Income Ratio	1.66	1.65	1.72
Subprime Loans	—	1.00%	0.74%
Refinancing Loans	44.06%	42.07%	39.51%
Principal Dwellings	91.96%	95.72%	96.11%
Rejected Applications	3.85%	8.58%	18.00%

CAPITOL FEDERAL SAVINGS BANK 700 S. KANSAS AVETOPEKA, 66603-3894