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

2008 Mortgage Research	Livingston	Michigan	US
Total Applications	277	4,058	150,591
Average Loan	$192.9k	$177.6k	$226.7k
Loan to Income Ratio	2.10	1.71	1.99
Subprime Loans	1.81%	6.90%	5.25%
Refinancing Loans	48.01%	57.15%	54.99%
Principal Dwellings	92.78%	81.74%	82.67%
Rejected Applications	6.50%	12.25%	7.87%

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