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GATEWAY BUSINESS BANK 1403 NORTH TUSTIN SUITE 280
SANTA ANA, 92705

2008 Mortgage Research	Klamath	Oregon	US
Total Applications	193	623	5,037
Average Loan	$155.5k	$182.1k	$213.6k
Loan to Income Ratio	2.54	2.50	2.29
Subprime Loans	8.81%	4.33%	4.61%
Refinancing Loans	34.72%	49.28%	36.03%
Principal Dwellings	84.97%	86.20%	89.44%
Rejected Applications	12.95%	13.00%	11.38%

GATEWAY BUSINESS BANK 1403 NORTH TUSTIN SUITE 280SANTA ANA, 92705