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

2008 Mortgage Research	Caledonia	Vermont	US
Total Applications	33	1,264	1,255,528
Average Loan	$189.0k	$208.9k	$259.4k
Loan to Income Ratio	1.13	1.84	2.04
Subprime Loans	3.03%	0.87%	1.84%
Refinancing Loans	78.79%	67.72%	55.94%
Principal Dwellings	84.85%	82.59%	85.62%
Rejected Applications	15.15%	14.40%	17.10%

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