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

2008 Mortgage Research	Elkhart	Indiana	US
Total Applications	825	24,765	1,255,528
Average Loan	$118.5k	$130.4k	$259.4k
Loan to Income Ratio	1.89	1.74	2.04
Subprime Loans	4.85%	3.71%	1.84%
Refinancing Loans	69.58%	61.42%	55.94%
Principal Dwellings	96.48%	91.78%	85.62%
Rejected Applications	29.70%	23.18%	17.10%

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