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JPMORGAN CHASE BANK, NA 1111 POLARIS PARKWAY
COLUMBUS, 43240-2031

2008 Mortgage Research	Jackson	Alabama	US
Total Applications	131	15,247	1,255,528
Average Loan	$119.7k	$141.8k	$259.4k
Loan to Income Ratio	2.19	1.86	2.04
Subprime Loans	2.29%	1.96%	1.84%
Refinancing Loans	61.07%	55.58%	55.94%
Principal Dwellings	96.95%	91.75%	85.62%
Rejected Applications	12.21%	14.38%	17.10%

JPMORGAN CHASE BANK, NA 1111 POLARIS PARKWAYCOLUMBUS, 43240-2031