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UMB BANK, NA 1008 OAK ST.
KANSAS CITY, 64106

2008 Mortgage Research	Atchison	Kansas	US
Total Applications	35	896	3,991
Average Loan	$1302.3k	$133.7k	$98.0k
Loan to Income Ratio	1.25	0.92	0.87
Subprime Loans	—	4.91%	3.63%
Refinancing Loans	60%	30.92%	31.07%
Principal Dwellings	74.29%	91.07%	88.37%
Rejected Applications	25.71%	28.46%	30.62%

UMB BANK, NA 1008 OAK ST.KANSAS CITY, 64106