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MERRILL LYNCH BK&TC FSB 111 PINE STREET
SAN FRANCISCO, 94111

2008 Mortgage Research Napa California US
Total Applications 72 4,077 5,868
Average Loan $1247.1k $1072.9k $1117.7k
Loan to Income Ratio 1.65 1.65 1.42
Subprime Loans 1.39% 0.86% 0.90%
Refinancing Loans 54.17% 45.67% 42.98%
Principal Dwellings 52.78% 70.59% 71.32%
Rejected Applications 2.78% 1.99% 1.72%
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