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FLAGSTAR BANK 5151 CORPORATE DRIVE
TROY, 48098-2639

2008 Mortgage Research	Atkinson	Georgia	US
Total Applications	3	7,434	236,148
Average Loan	$123.0k	$173.1k	$199.5k
Loan to Income Ratio	2.65	2.29	2.38
Subprime Loans	—	11.89%	10.42%
Refinancing Loans	66.67%	57.98%	52.12%
Principal Dwellings	66.67%	91.42%	89.91%
Rejected Applications	—	23.16%	20.04%

FLAGSTAR BANK 5151 CORPORATE DRIVETROY, 48098-2639