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

2008 Mortgage Research	Cabarrus	North Carolina	US
Total Applications	674	25,504	674,341
Average Loan	$161.2k	$174.3k	$218.7k
Loan to Income Ratio	1.76	1.53	1.73
Subprime Loans	1.93%	2.71%	2.39%
Refinancing Loans	41.54%	43.67%	38.59%
Principal Dwellings	91.10%	85.45%	87.51%
Rejected Applications	14.99%	18.80%	31.08%

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