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

2008 Mortgage Research	Bear Lake	Idaho	US
Total Applications	15	3,900	1,255,528
Average Loan	$166.3k	$190.7k	$259.4k
Loan to Income Ratio	1.50	2.08	2.04
Subprime Loans	—	0.72%	1.84%
Refinancing Loans	53.33%	60.21%	55.94%
Principal Dwellings	66.67%	80.87%	85.62%
Rejected Applications	33.33%	14.92%	17.10%

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