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

2008 Mortgage Research	Millard	Utah	US
Total Applications	73	4,171	5,896
Average Loan	$109.2k	$246.8k	$251.1k
Loan to Income Ratio	1.55	1.93	1.95
Subprime Loans	13.70%	6.43%	5.99%
Refinancing Loans	45.21%	47.11%	45.61%
Principal Dwellings	90.41%	85.30%	83.58%
Rejected Applications	28.77%	23.35%	21.57%

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