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RBS CITIZENS, N.A. ONE CITIZENS PLAZA
PROVIDENCE, 02903

2008 Mortgage Research	Clinton	New York	US
Total Applications	243	10,246	60,305
Average Loan	$66.0k	$79.8k	$110.5k
Loan to Income Ratio	0.77	0.93	1.14
Subprime Loans	7.41%	3.91%	2.85%
Refinancing Loans	34.98%	27.28%	39.43%
Principal Dwellings	95.06%	96.21%	95.05%
Rejected Applications	44.86%	45.81%	38.16%

RBS CITIZENS, N.A. ONE CITIZENS PLAZAPROVIDENCE, 02903