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

2008 Mortgage Research	Curry	Oregon	US
Total Applications	23	1,471	2,200
Average Loan	$271.2k	$248.0k	$259.4k
Loan to Income Ratio	2.21	2.06	2.03
Subprime Loans	—	0.88%	1.77%
Refinancing Loans	65.22%	53.71%	48.82%
Principal Dwellings	69.57%	79.13%	78.68%
Rejected Applications	—	—	—

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