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

2008 Mortgage Research	Flathead	Montana	US
Total Applications	366	2,033	1,255,528
Average Loan	$241.7k	$199.5k	$259.4k
Loan to Income Ratio	2.25	2.02	2.04
Subprime Loans	0.27%	0.39%	1.84%
Refinancing Loans	52.73%	59.42%	55.94%
Principal Dwellings	89.07%	90.85%	85.62%
Rejected Applications	15.30%	14.36%	17.10%

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