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

2008 Mortgage Research	Baylor	Texas	US
Total Applications	2	4,521	140,759
Average Loan	$111.5k	$182.1k	$182.7k
Loan to Income Ratio	1.04	1.54	1.99
Subprime Loans	—	2.65%	4.13%
Refinancing Loans	100%	53.31%	53.47%
Principal Dwellings	100%	89.94%	90.60%
Rejected Applications	50%	5.49%	12.48%

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