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FRONTIER INVESTMENT CO. 1200 EXECUTIVE PARKWAY SUITE 430
EUGENE, 97401

2008 Mortgage Research	Lane	Oregon	US
Total Applications	724	1,308	2,590
Average Loan	$192.4k	$209.3k	$225.2k
Loan to Income Ratio	2.85	2.72	2.74
Subprime Loans	—	—	0.42%
Refinancing Loans	39.09%	41.28%	43.47%
Principal Dwellings	88.26%	87.16%	87.30%
Rejected Applications	1.80%	11.47%	21.81%

FRONTIER INVESTMENT CO. 1200 EXECUTIVE PARKWAY SUITE 430EUGENE, 97401