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STERLING BANK PO BOX 40333
HOUSTON, 77240-0333

2008 Mortgage Research	Grimes	Texas	US
Total Applications	1	310	312
Average Loan	$1900.0k	$248.0k	$256.2k
Loan to Income Ratio	—	0.79	0.80
Subprime Loans	—	16.77%	16.99%
Refinancing Loans	—	13.23%	13.46%
Principal Dwellings	—	54.52%	54.17%
Rejected Applications	—	15.48%	15.38%

STERLING BANK PO BOX 40333HOUSTON, 77240-0333