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

2008 Mortgage Research	Ashland	Ohio	US
Total Applications	159	38,356	1,255,528
Average Loan	$104.4k	$137.3k	$259.4k
Loan to Income Ratio	1.68	1.79	2.04
Subprime Loans	7.55%	4.13%	1.84%
Refinancing Loans	57.23%	58.81%	55.94%
Principal Dwellings	95.60%	91.31%	85.62%
Rejected Applications	30.82%	22.98%	17.10%

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