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CITICORP TRUST BANK, FSB 4000 REGENT BLVD
IRVING, 75063

2006 Mortgage Research Bingham Idaho US
Total Applications 105 1,789 171,261
Average Loan $101.9k $122.7k $154.6k
Loan to Income Ratio 1.86 2.40 2.50
Subprime Loans 14.29% 19.45% 15.69%
Refinancing Loans 100% 93.68% 91.09%
Principal Dwellings 98.10% 96.93% 97.16%
Rejected Applications 37.14% 33.99% 38.42%