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BANK OF OKLAHOMA, NA PO BOX 2300
TULSA, 74102

2008 Mortgage Research	Creek	Oklahoma	US
Total Applications	218	8,852	12,211
Average Loan	$111.8k	$112.3k	$116.7k
Loan to Income Ratio	1.57	1.36	1.41
Subprime Loans	7.80%	6.94%	5.09%
Refinancing Loans	33.95%	32.41%	25.27%
Principal Dwellings	96.79%	93.29%	93.61%
Rejected Applications	16.97%	19.81%	34.66%

BANK OF OKLAHOMA, NA PO BOX 2300TULSA, 74102