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CITICORP TRUST BANK, FSB 4000 REGENT BLVD
IRVING, 75063

2008 Mortgage Research	Duchesne	Utah	US
Total Applications	91	8,238	158,099
Average Loan	$149.0k	$189.8k	$186.3k
Loan to Income Ratio	1.75	2.83	2.69
Subprime Loans	27.47%	10.78%	8.46%
Refinancing Loans	93.41%	93.43%	89.35%
Principal Dwellings	98.90%	96.87%	96.13%
Rejected Applications	37.36%	40.47%	52.79%

CITICORP TRUST BANK, FSB 4000 REGENT BLVDIRVING, 75063