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

2008 Mortgage Research	Denton	Texas	US
Total Applications	4,871	129,478	1,255,528
Average Loan	$167.2k	$138.2k	$259.4k
Loan to Income Ratio	1.75	1.57	2.04
Subprime Loans	2.11%	3.51%	1.84%
Refinancing Loans	40.92%	44.73%	55.94%
Principal Dwellings	94.03%	91.07%	85.62%
Rejected Applications	10.88%	17.82%	17.10%

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