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ING BANK, FSB 1 SOUTH ORANGE STREET
WILMINGTON, 19801

2008 Mortgage Research	Cook	Illinois	US
Total Applications	4,389	7,349	67,230
Average Loan	$529.5k	$520.5k	$487.4k
Loan to Income Ratio	2.09	2.11	2.21
Subprime Loans	—	—	0.01%
Refinancing Loans	66.35%	70.08%	60.90%
Principal Dwellings	97.29%	97.59%	94.73%
Rejected Applications	24.95%	27.32%	35.64%

ING BANK, FSB 1 SOUTH ORANGE STREETWILMINGTON, 19801