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

2008 Mortgage Research	Antrim	Michigan	US
Total Applications	138	44,454	1,255,528
Average Loan	$174.6k	$155.4k	$259.4k
Loan to Income Ratio	1.84	1.78	2.04
Subprime Loans	4.35%	2.39%	1.84%
Refinancing Loans	76.09%	62.39%	55.94%
Principal Dwellings	72.46%	90.67%	85.62%
Rejected Applications	31.88%	21.27%	17.10%

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