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SYNOVUS MORTGAGE CORPORATION 2204 LAKESHORE DRIVE SUITE 325
BIRMINGHAM, 35209

2008 Mortgage Research	Bulloch	Georgia	US
Total Applications	111	4,809	9,077
Average Loan	$180.3k	$193.5k	$200.5k
Loan to Income Ratio	1.93	1.92	1.83
Subprime Loans	5.41%	2.04%	2.45%
Refinancing Loans	75.68%	57.31%	56.92%
Principal Dwellings	95.50%	89.96%	88.71%
Rejected Applications	—	1.98%	1.97%

SYNOVUS MORTGAGE CORPORATION 2204 LAKESHORE DRIVE SUITE 325BIRMINGHAM, 35209