A great perspective on lending activity.

1. Refinance %
Mortgage Loan Purchase Refinance of total
Year Qtr Week Applications Index Index Index applications
2009 Qtr3 25-Sep-09 551.3 292.3 2465.8 65.3%
2009 Qtr3 18-Sep-09 567.2 311.6 2680.2 63.8%
2009 Qtr3 11-Sep-09 502.8 295.1 2282.9 61.0%
2009 Qtr3 4-Sep-09 550.1 329.0 2465.4 59.8%
2009 Qtr3 28-Aug-09 540.9 300.4 2012.5 56.5%
2009 Qtr3 21-Aug-09 553.1 303.5 2076.9 56.5%
2009 Qtr3 14-Aug-09 514.5 300.5 1854.4 53.3%
2009 Qtr3 7-Aug-09 481.3 289.2 1734.7 52.3%
2009 Qtr3 31-Jul-09 499.8 262.9 1869.3 54.2%
2009 Qtr3 24-Jul-09 495.4 262.0 1862.1 52.6%
2009 Qtr3 17-Jul-09 528.9 262.1 2089.7 55.5%
2009 Qtr3 10-Jul-09 514.4 258.8 2009.4 54.9%
2009 Qtr3 3-Jul-09 493.1 285.6 1707.7 48.4%
2009 Qtr2 26-Jun-09 444.8 267.7 1482.2 46.4%
2009 Qtr2 19-Jun-09 548.2 280.3 2116.3 54.0%
2009 Qtr2 12-Jun-09 514.4 261.2 1998.1 54.1%
2009 Qtr2 5-Jun-09 611.0 270.7 2605.7 59.4%
2009 Qtr2 29-May-09 658.7 267.7 2953.6 62.4%
2009 Qtr2 22-May-09 786.0 256.6 3890.4 69.3%
2009 Qtr2 15-May-09 915.9 254.0 4794.4 73.6%
2009 Qtr2 8-May-09 895.6 265.7 4588.6 71.9%
2009 Qtr2 1-May-09 979.7 264.3 5169.3 74.4%
2009 Qtr2 24-Apr-09 960.6 251.6 5108.2 75.3%
2009 Qtr2 17-Apr-09 1172.2 253.0 6540.7 79.7%
2009 Qtr2 10-Apr-09 1113.2 264.1 6071.7 77.8%
2009 Qtr2 3-Apr-09 1250.6 297.7 6813.5 77.9%
2009 Qtr1 27-Mar-09 1194.4 268.0 6600.1 79.1%
2009 Qtr1 20-Mar-09 1159.4 267.8 6363.2 78.5%
2009 Qtr1 13-Mar-09 876.9 257.1 4497.6 72.9%
2009 Qtr1 6-Mar-09 723.4 253.3 3470.7 67.9%
2009 Qtr1 27-Feb-09 649.7 236.4 3063.4 66.9%
2009 Qtr1 20-Feb-09 743.5 250.5 3618.0 69.7%
2009 Qtr1 13-Feb-09 875.3 257.3 4472.9 74.2%
2009 Qtr1 6-Feb-09 600.6 235.9 2722.7 66.7%
2009 Qtr1 30-Jan-09 795.4 261.4 3906.3 73.2%
2009 Qtr1 23-Jan-09 732.1 294.3 3373.9 72.8%
2009 Qtr1 16-Jan-09 1195.3 303.1 6491.8 83.3%
2009 Qtr1 9-Jan-09 1324.8 295.8 7414.1 85.3%
2009 Qtr1 2-Jan-09 1143.8 344.2 5904.5 79.8%
2008 Qtr4 26-Dec-08 1245.7 320.9 6733.8 82.9%

2. 2008 Qtr4 19-Dec-08 1245.4 316.5 6758.6 83.2%
2008 Qtr4 12-Dec-08 841.4 286.1 4156.0 76.9%
2008 Qtr4 5-Dec-08 817.7 298.1 3885.9 74.3%
2008 Qtr4 28-Nov-08 857.7 361.1 3802.8 69.1%
2008 Qtr4 21-Nov-08 404.4 261.6 1254.0 49.3%
2008 Qtr4 14-Nov-08 398.6 248.5 1281.2 49.9%
2008 Qtr4 7-Nov-08 425.0 284.4 1248.4 45.1%
2008 Qtr4 31-Oct-08 379.9 260.9 1075.4 42.9%
2008 Qtr4 24-Oct-08 476.7 303.1 1489.4 46.9%
2008 Qtr4 17-Oct-08 408.1 279.3 1158.8 42.6%
2008 Qtr4 10-Oct-08 489.3 313.5 1514.2 46.4%
2008 Qtr4 3-Oct-08 465.5 314.5 1345.8 43.4%
2008 Qtr3 26-Sep-08 455.4 304.8 1333.9 44.0%

3. 30 year 15 year fixed Qtrly
fixed rate rate Avg
mortgage mortgage Qtrly Avg 15yr
rate rate Rate Rate
4.94% 4.34% 5.17% 4.58%
4.97% 4.41%
5.08% 4.41%
5.02% 4.45%
5.15% 4.57%
5.24% 4.58%
5.15% 4.52%
5.38% 4.71%
5.17% 4.60%
5.36% 4.75%
5.31% 4.80%
5.05% 4.59%
5.34% 4.83%
5.34% 4.81% 4.99% 4.65%
5.44% 4.93%
5.50% 4.99%
5.57% 5.10%
5.25% 4.80%
4.81% 4.44%
4.69% 4.44%
4.76% 4.50%
4.79% 4.57%
4.62% 4.45%
4.73% 4.46%
4.70% 4.46%
4.73% 4.49%
4.61% 4.45% 5.01% 4.73%
4.63% 4.48%
4.89% 4.52%
4.96% 4.54%
5.14% 4.73%
5.07% 4.71%
4.99% 4.66%
5.19% 5.00%
5.28% 5.15%
5.22% 4.98%
5.24% 4.99%
4.89% 4.63%
5.07% 4.67%
5.03% 4.79% 5.85% 5.57%

4. 5.04% 4.91%
5.18% 4.93%
5.44% 5.08%
5.47% 5.13%
5.99% 5.78%
6.19% 5.87%
6.24% 5.90%
6.47% 6.14%
6.26% 6.01%
6.28% 6.05%
6.47% 6.17%
5.99% 5.71%
6.07% 5.82% 6.31% 5.91%

5. MBA Statistics - Running One-Year Trend
Updated through the Week Ending September 25, 2009
30 Year Mortgage Rates - Running One-Year Trend MBA Refi Index - Running One-Year Trend
7.00% 12,000
10,000
6.50%
8,000
6.00%
6,000
5.50%
4,000
5.00%
2,000
4.50%
0
4.00%
22-May-09 14-Mar-08 5-Jan-07 28-Oct-05 20-Aug-04 13-Jun-03 5-Apr-02 26-Jan-01
8-May-09 1-Feb-08 27-Oct-06 22-Jul-05 16-Apr-04 10-Jan-03 5-Oct-01 25-Dec-09 17-Oct-08 10-Aug-07 2-Jun-06 25-Mar-05 16-Jan-04 8-Nov-02 31-Aug-01
25-Dec-09 19-Sep-08 15-Jun-07 10-Mar-06 3-Dec-04 29-Aug-03 24-May-02 16-Feb-01
Refi % of Total Mortgages - Running One-Year Trend Purchase Index - Running One Year Trend
90.0% 550
80.0% 500
450
70.0%
400
60.0%
350
50.0%
300
40.0%
250
30.0% 200
22-May-09 14-Mar-08 5-Jan-07 28-Oct-05 20-Aug-04 13-Jun-03 5-Apr-02 26-Jan-01 29-May-09 4-Apr-08 9-Feb-07 16-Dec-05 22-Oct-04 29-Aug-03 5-Jul-02 11-May-01
25-Dec-09 17-Oct-08 10-Aug-07 2-Jun-06 25-Mar-05 16-Jan-04 8-Nov-02 31-Aug-01 25-Dec-09 31-Oct-08 7-Sep-07 14-Jul-06 20-May-05 26-Mar-04 31-Jan-03 7-Dec-01
www.mortgagebankers.org/NewandMedia/PressCenter

6. 4.00%
4.50%
5.00%
5.50%
6.00%
6.50%
7.00%
25-Dec-09
30-Oct-09
4-Sep-09
10-Jul-09
15-May-09
20-Mar-09
23-Jan-09
28-Nov-08
3-Oct-08
8-Aug-08
13-Jun-08
18-Apr-08
22-Feb-08
28-Dec-07
2-Nov-07
7-Sep-07
13-Jul-07
18-May-07
23-Mar-07
26-Jan-07
1-Dec-06
6-Oct-06
11-Aug-06
16-Jun-06
21-Apr-06
24-Feb-06
30-Dec-05
4-Nov-05
9-Sep-05
15-Jul-05
20-May-05
25-Mar-05
28-Jan-05
3-Dec-04
8-Oct-04
13-Aug-04
18-Jun-04
23-Apr-04
27-Feb-04
2-Jan-04
30 Year Mortgage Rates - Running One-Year Trend
7-Nov-03
12-Sep-03
18-Jul-03
23-May-03
28-Mar-03
31-Jan-03
6-Dec-02
11-Oct-02
16-Aug-02
21-Jun-02
26-Apr-02
1-Mar-02
4-Jan-02
9-Nov-01
14-Sep-01
20-Jul-01
25-May-01
30-Mar-01
2-Feb-01
www.mortgagebankers.org/NewandMedia/PressCenter

7. 30.0%
40.0%
50.0%
60.0%
70.0%
80.0%
90.0%
25-Dec-09
30-Oct-09
4-Sep-09
10-Jul-09
15-May-09
20-Mar-09
23-Jan-09
28-Nov-08
3-Oct-08
8-Aug-08
13-Jun-08
18-Apr-08
22-Feb-08
28-Dec-07
2-Nov-07
7-Sep-07
13-Jul-07
18-May-07
23-Mar-07
26-Jan-07
1-Dec-06
6-Oct-06
11-Aug-06
16-Jun-06
21-Apr-06
24-Feb-06
30-Dec-05
4-Nov-05
9-Sep-05
15-Jul-05
20-May-05
25-Mar-05
28-Jan-05
3-Dec-04
8-Oct-04
13-Aug-04
18-Jun-04
23-Apr-04
27-Feb-04
2-Jan-04
7-Nov-03
Refi % of Total Mortgages - Running One-Year Trend
12-Sep-03
18-Jul-03
23-May-03
28-Mar-03
31-Jan-03
6-Dec-02
11-Oct-02
16-Aug-02
21-Jun-02
26-Apr-02
1-Mar-02
4-Jan-02
9-Nov-01
14-Sep-01
20-Jul-01
25-May-01
30-Mar-01
2-Feb-01
www.mortgagebankers.org/NewandMedia/PressCenter

8. 0.0
2,000.0
4,000.0
6,000.0
8,000.0
10,000.0
12,000.0
25-Dec-09
23-Oct-09
21-Aug-09
19-Jun-09
17-Apr-09
13-Feb-09
12-Dec-08
10-Oct-08
8-Aug-08
6-Jun-08
4-Apr-08
1-Feb-08
30-Nov-07
28-Sep-07
27-Jul-07
25-May-07
23-Mar-07
19-Jan-07
17-Nov-06
15-Sep-06
14-Jul-06
12-May-06
10-Mar-06
6-Jan-06
4-Nov-05
2-Sep-05
1-Jul-05
29-Apr-05
25-Feb-05
24-Dec-04
22-Oct-04
20-Aug-04
18-Jun-04
16-Apr-04
MBA Refi Index - Running One-Year Trend
13-Feb-04
12-Dec-03
10-Oct-03
8-Aug-03
6-Jun-03
4-Apr-03
31-Jan-03
29-Nov-02
27-Sep-02
26-Jul-02
24-May-02
22-Mar-02
18-Jan-02
16-Nov-01
14-Sep-01
13-Jul-01
11-May-01
9-Mar-01
5-Jan-01
www.mortgagebankers.org/NewandMedia/PressCenter

9. 200.0
250.0
300.0
350.0
400.0
450.0
500.0
25-Dec-09 550.0
16-Oct-09
7-Aug-09
29-May-09
20-Mar-09
9-Jan-09
31-Oct-08
22-Aug-08
13-Jun-08
4-Apr-08
25-Jan-08
16-Nov-07
7-Sep-07
29-Jun-07
20-Apr-07
9-Feb-07
1-Dec-06
22-Sep-06
14-Jul-06
5-May-06
24-Feb-06
16-Dec-05
7-Oct-05
29-Jul-05
20-May-05
11-Mar-05
31-Dec-04
22-Oct-04
13-Aug-04
4-Jun-04
26-Mar-04
16-Jan-04
Purchase Index - Running One Year Trend
7-Nov-03
29-Aug-03
20-Jun-03
11-Apr-03
31-Jan-03
22-Nov-02
13-Sep-02
5-Jul-02
26-Apr-02
15-Feb-02
7-Dec-01
28-Sep-01
20-Jul-01
11-May-01
2-Mar-01
www.mortgagebankers.org/NewandMedia/PressCenter