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

2008 Mortgage Research	Hardin	Texas	US
Total Applications	72	13,059	150,591
Average Loan	$163.7k	$187.6k	$226.7k
Loan to Income Ratio	1.73	1.48	1.99
Subprime Loans	13.89%	8.52%	5.25%
Refinancing Loans	31.94%	42.10%	54.99%
Principal Dwellings	94.44%	82.23%	82.67%
Rejected Applications	—	5.36%	7.87%

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