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

2008 Mortgage Research	Hansford	Texas	US
Total Applications	1	6,026	12,044
Average Loan	$99.0k	$150.9k	$162.1k
Loan to Income Ratio	1.52	1.73	1.93
Subprime Loans	100%	9.94%	8.77%
Refinancing Loans	—	13.24%	17.05%
Principal Dwellings	100%	92.35%	90.31%
Rejected Applications	—	1.53%	2.08%

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