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

2008 Mortgage Research	Hampden	Massachusetts	US
Total Applications	1,448	17,009	674,341
Average Loan	$127.5k	$237.2k	$218.7k
Loan to Income Ratio	1.72	1.65	1.73
Subprime Loans	3.94%	1.99%	2.39%
Refinancing Loans	32.39%	41.84%	38.59%
Principal Dwellings	92.13%	91.69%	87.51%
Rejected Applications	26.45%	24.63%	31.08%

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