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

2008 Mortgage Research	Benton	Missouri	US
Total Applications	47	2,525	3,991
Average Loan	$89.2k	$76.1k	$98.0k
Loan to Income Ratio	1.26	0.75	0.87
Subprime Loans	8.51%	3.17%	3.63%
Refinancing Loans	63.83%	29.82%	31.07%
Principal Dwellings	59.57%	88.16%	88.37%
Rejected Applications	4.26%	33.47%	30.62%

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