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ING BANK, FSB 1 SOUTH ORANGE STREET
WILMINGTON, 19801

2008 Mortgage Research	Eagle	Colorado	US
Total Applications	196	2,449	67,230
Average Loan	$919.6k	$629.3k	$487.4k
Loan to Income Ratio	1.95	2.29	2.21
Subprime Loans	—	—	0.01%
Refinancing Loans	77.55%	69.09%	60.90%
Principal Dwellings	75%	90.53%	94.73%
Rejected Applications	34.18%	34.14%	35.64%

ING BANK, FSB 1 SOUTH ORANGE STREETWILMINGTON, 19801