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

2008 Mortgage Research	Garfield	Utah	US
Total Applications	15	11,161	1,255,528
Average Loan	$233.7k	$258.1k	$259.4k
Loan to Income Ratio	1.60	2.26	2.04
Subprime Loans	—	1.17%	1.84%
Refinancing Loans	40%	62.15%	55.94%
Principal Dwellings	60%	87.12%	85.62%
Rejected Applications	26.67%	13.14%	17.10%

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