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

2008 Mortgage Research	Ketchikan Gateway	Alaska	US
Total Applications	21	548	90,776
Average Loan	$209.9k	$215.6k	$177.5k
Loan to Income Ratio	2.58	2.01	1.78
Subprime Loans	—	0.55%	0.75%
Refinancing Loans	14.29%	48.54%	43.29%
Principal Dwellings	95.24%	93.25%	90.32%
Rejected Applications	19.05%	25%	24.62%

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