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CITICORP TRUST BANK, FSB 4000 REGENT BLVD
IRVING, 75063

2008 Mortgage Research	Alfalfa	Oklahoma	US
Total Applications	11	3,415	158,099
Average Loan	$36.0k	$108.9k	$186.3k
Loan to Income Ratio	0.63	1.74	2.69
Subprime Loans	27.27%	13.12%	8.46%
Refinancing Loans	72.73%	92.97%	89.35%
Principal Dwellings	90.91%	97.10%	96.13%
Rejected Applications	45.45%	52.21%	52.79%

CITICORP TRUST BANK, FSB 4000 REGENT BLVDIRVING, 75063