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UMPQUA BANK 1 SW COLUMBIA STREET, SUITE 1400
PORTLAND, 97258

2008 Mortgage Research	Humboldt	California	US
Total Applications	101	608	2,200
Average Loan	$205.1k	$274.9k	$259.4k
Loan to Income Ratio	1.86	1.97	2.03
Subprime Loans	1.98%	4.28%	1.77%
Refinancing Loans	48.51%	40.30%	48.82%
Principal Dwellings	81.19%	77.63%	78.68%
Rejected Applications	—	—	—

UMPQUA BANK 1 SW COLUMBIA STREET, SUITE 1400PORTLAND, 97258