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GMAC BANK 1100 VIRGINIA DRIVE
FT. WASHINGTON, 19034

2008 Mortgage Research	Huron	Michigan	US
Total Applications	54	6,142	215,340
Average Loan	$115.1k	$151.4k	$213.1k
Loan to Income Ratio	1.48	1.83	2.29
Subprime Loans	1.85%	4.98%	2.97%
Refinancing Loans	70.37%	59.85%	57.69%
Principal Dwellings	79.63%	87.82%	90.31%
Rejected Applications	—	—	—

GMAC BANK 1100 VIRGINIA DRIVEFT. WASHINGTON, 19034