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

2008 Mortgage Research	Baker	Oregon	US
Total Applications	57	16,845	1,255,528
Average Loan	$119.1k	$266.2k	$259.4k
Loan to Income Ratio	1.79	2.19	2.04
Subprime Loans	1.75%	0.51%	1.84%
Refinancing Loans	42.11%	57.87%	55.94%
Principal Dwellings	85.96%	79.70%	85.62%
Rejected Applications	1.75%	10.32%	17.10%

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