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ZIONS FIRST NATIONAL BANK ONE S MAIN ST, 11TH FL
SALT LAKE CITY, 84133-1109

2008 Mortgage Research	Bear Lake	Idaho	US
Total Applications	53	982	5,896
Average Loan	$172.7k	$197.6k	$251.1k
Loan to Income Ratio	1.78	1.83	1.95
Subprime Loans	15.09%	6.72%	5.99%
Refinancing Loans	35.85%	43.89%	45.61%
Principal Dwellings	77.36%	84.83%	83.58%
Rejected Applications	26.42%	24.13%	21.57%

ZIONS FIRST NATIONAL BANK ONE S MAIN ST, 11TH FLSALT LAKE CITY, 84133-1109