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

2008 Mortgage Research	Crow Wing	Minnesota	US
Total Applications	260	17,114	1,255,528
Average Loan	$195.1k	$226.1k	$259.4k
Loan to Income Ratio	1.99	2.17	2.04
Subprime Loans	0.77%	1.09%	1.84%
Refinancing Loans	49.62%	54.37%	55.94%
Principal Dwellings	73.46%	88.10%	85.62%
Rejected Applications	12.31%	11.73%	17.10%

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