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AMTRUST BANK 1801 E. 9TH ST #200
CLEVELAND, 44114

2008 Mortgage Research	Baldwin	Alabama	US
Total Applications	450	4,180	150,591
Average Loan	$198.3k	$166.3k	$226.7k
Loan to Income Ratio	1.97	1.92	1.99
Subprime Loans	3.56%	6.63%	5.25%
Refinancing Loans	72%	61.53%	54.99%
Principal Dwellings	76.89%	86.53%	82.67%
Rejected Applications	4.67%	5.91%	7.87%

AMTRUST BANK 1801 E. 9TH ST #200CLEVELAND, 44114