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ING BANK, FSB 1 SOUTH ORANGE STREET
WILMINGTON, 19801

2008 Mortgage Research	Fairfield	Connecticut	US
Total Applications	815	1,372	67,230
Average Loan	$726.9k	$556.1k	$487.4k
Loan to Income Ratio	2.22	2.17	2.21
Subprime Loans	—	—	0.01%
Refinancing Loans	71.41%	69.02%	60.90%
Principal Dwellings	98.65%	97.89%	94.73%
Rejected Applications	32.15%	34.11%	35.64%

ING BANK, FSB 1 SOUTH ORANGE STREETWILMINGTON, 19801