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

2008 Mortgage Research	Craig	Oklahoma	US
Total Applications	40	11,413	1,255,528
Average Loan	$105.0k	$127.5k	$259.4k
Loan to Income Ratio	1.84	1.74	2.04
Subprime Loans	10%	3.18%	1.84%
Refinancing Loans	37.50%	45.87%	55.94%
Principal Dwellings	92.50%	93.40%	85.62%
Rejected Applications	15%	16.88%	17.10%

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