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FLAGSTAR BANK 5151 CORPORATE DRIVE
TROY, 48098-2639

2008 Mortgage Research	Camas	Idaho	US
Total Applications	2	1,627	236,148
Average Loan	$244.0k	$184.9k	$199.5k
Loan to Income Ratio	2.37	2.32	2.38
Subprime Loans	—	7.62%	10.42%
Refinancing Loans	100%	56.48%	52.12%
Principal Dwellings	100%	85.13%	89.91%
Rejected Applications	—	21.39%	20.04%

FLAGSTAR BANK 5151 CORPORATE DRIVETROY, 48098-2639