BANK OF AMERICA, N.A. 1200 MAIN ST, MAIL STOP MO8-060-12-24
KANSAS CITY, 64105

2008 Mortgage Research	San Bernardino	California	US
Total Applications	6,624	130,740	674,341
Average Loan	$210.3k	$305.8k	$218.7k
Loan to Income Ratio	1.91	1.98	1.73
Subprime Loans	2.16%	1.50%	2.39%
Refinancing Loans	48.54%	49.03%	38.59%
Principal Dwellings	83.51%	87.72%	87.51%
Rejected Applications	29.09%	23.62%	31.08%

BANK OF AMERICA, N.A. 1200 MAIN ST, MAIL STOP MO8-060-12-24KANSAS CITY, 64105