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

2008 Mortgage Research	Daggett	Utah	US
Total Applications	2	954	140,759
Average Loan	$107.0k	$206.4k	$182.7k
Loan to Income Ratio	1.75	2.45	1.99
Subprime Loans	—	2.10%	4.13%
Refinancing Loans	50%	62.89%	53.47%
Principal Dwellings	50%	91.09%	90.60%
Rejected Applications	—	7.13%	12.48%

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