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

2008 Mortgage Research	Clear Creek	Colorado	US
Total Applications	70	28,012	1,255,528
Average Loan	$280.6k	$264.5k	$259.4k
Loan to Income Ratio	2.01	2.08	2.04
Subprime Loans	1.43%	0.78%	1.84%
Refinancing Loans	62.86%	59.66%	55.94%
Principal Dwellings	85.71%	82.47%	85.62%
Rejected Applications	18.57%	12.36%	17.10%

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