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NATIONAL CITY BANK 1900 E NINTH ST LOC 01-3144
CLEVELAND, 44114

2008 Mortgage Research	Idaho	Idaho	US
Total Applications	34	1,162	140,759
Average Loan	$163.3k	$173.5k	$182.7k
Loan to Income Ratio	2.40	2.22	1.99
Subprime Loans	—	1.38%	4.13%
Refinancing Loans	50%	65.66%	53.47%
Principal Dwellings	85.29%	89.76%	90.60%
Rejected Applications	—	5.77%	12.48%

NATIONAL CITY BANK 1900 E NINTH ST LOC 01-3144CLEVELAND, 44114