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ING BANK, FSB 1 SOUTH ORANGE STREET
WILMINGTON, 19801

2008 Mortgage Research Santa Clara California US
Total Applications 2,603 13,046 67,230
Average Loan $679.7k $627.1k $487.4k
Loan to Income Ratio 2.99 2.66 2.21
Subprime Loans 0.01% 0.01%
Refinancing Loans 67.04% 67.11% 60.90%
Principal Dwellings 99.27% 97.76% 94.73%
Rejected Applications 25.62% 33.73% 35.64%
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