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

2008 Mortgage Research	Lincoln	Nevada	US
Total Applications	7	111	5,896
Average Loan	$184.6k	$212.3k	$251.1k
Loan to Income Ratio	2.93	1.90	1.95
Subprime Loans	—	—	5.99%
Refinancing Loans	42.86%	48.65%	45.61%
Principal Dwellings	100%	80.18%	83.58%
Rejected Applications	14.29%	10.81%	21.57%

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