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

2008 Mortgage Research	Benson	North Dakota	US
Total Applications	3	799	1,255,528
Average Loan	$71.0k	$132.9k	$259.4k
Loan to Income Ratio	1.17	1.79	2.04
Subprime Loans	—	0.88%	1.84%
Refinancing Loans	33.33%	53.57%	55.94%
Principal Dwellings	66.67%	94.99%	85.62%
Rejected Applications	—	10.14%	17.10%

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