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

2008 Mortgage Research	Bristol	Rhode Island	US
Total Applications	142	3,348	60,305
Average Loan	$184.3k	$142.8k	$110.5k
Loan to Income Ratio	2.05	1.63	1.14
Subprime Loans	2.11%	4.42%	2.85%
Refinancing Loans	66.20%	53.61%	39.43%
Principal Dwellings	94.37%	92.74%	95.05%
Rejected Applications	23.24%	26.19%	38.16%

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