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WR STARKEY MORTGAGE, LLP 5055 W. PARK BLVD. #300
PLANO, 75093

2008 Mortgage Research	Howard	Arkansas	US
Total Applications	24	106	12,044
Average Loan	$125.9k	$115.3k	$162.1k
Loan to Income Ratio	2.10	2.11	1.93
Subprime Loans	12.50%	9.43%	8.77%
Refinancing Loans	41.67%	18.87%	17.05%
Principal Dwellings	100%	98.11%	90.31%
Rejected Applications	—	0.94%	2.08%

WR STARKEY MORTGAGE, LLP 5055 W. PARK BLVD. #300PLANO, 75093