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USAA FEDERAL SAVINGS BANK 10750 MCDERMOTT FREEWAY
SAN ANTONIO, 78288-0544

2008 Mortgage Research	Coffee	Alabama	US
Total Applications	147	1,967	90,776
Average Loan	$153.6k	$149.4k	$177.5k
Loan to Income Ratio	1.92	1.70	1.78
Subprime Loans	1.36%	1.17%	0.75%
Refinancing Loans	29.25%	40.67%	43.29%
Principal Dwellings	88.44%	88.21%	90.32%
Rejected Applications	17.01%	24.15%	24.62%

USAA FEDERAL SAVINGS BANK 10750 MCDERMOTT FREEWAYSAN ANTONIO, 78288-0544