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BANK OF OKLAHOMA, NA PO BOX 2300
TULSA, 74102

2008 Mortgage Research	Garfield	Oklahoma	US
Total Applications	315	8,852	12,211
Average Loan	$88.5k	$112.3k	$116.7k
Loan to Income Ratio	1.27	1.36	1.41
Subprime Loans	7.30%	6.94%	5.09%
Refinancing Loans	20.63%	32.41%	25.27%
Principal Dwellings	94.92%	93.29%	93.61%
Rejected Applications	19.05%	19.81%	34.66%

BANK OF OKLAHOMA, NA PO BOX 2300TULSA, 74102