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

2008 Mortgage Research	Bryan	Georgia	US
Total Applications	98	4,660	90,776
Average Loan	$211.8k	$163.0k	$177.5k
Loan to Income Ratio	2.22	1.76	1.78
Subprime Loans	1.02%	0.73%	0.75%
Refinancing Loans	27.55%	42.81%	43.29%
Principal Dwellings	95.92%	89.42%	90.32%
Rejected Applications	20.41%	26.18%	24.62%

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