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

2008 Mortgage Research	Benzie	Michigan	US
Total Applications	17	8,087	140,759
Average Loan	$186.6k	$136.7k	$182.7k
Loan to Income Ratio	2.23	1.55	1.99
Subprime Loans	—	6.31%	4.13%
Refinancing Loans	52.94%	50.14%	53.47%
Principal Dwellings	70.59%	90.71%	90.60%
Rejected Applications	11.76%	21.32%	12.48%

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