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CITIFINANCIAL, INC. 300 ST. PAUL PLACE
BALTIMORE, 21202

2008 Mortgage Research	Brown	Ohio	US
Total Applications	97	8,768	8,805
Average Loan	$52.9k	$53.8k	$53.9k
Loan to Income Ratio	1.25	1.17	1.17
Subprime Loans	15.46%	30.73%	30.64%
Refinancing Loans	90.72%	84.17%	84.20%
Principal Dwellings	100%	99.97%	99.95%
Rejected Applications	—	—	—

CITIFINANCIAL, INC. 300 ST. PAUL PLACEBALTIMORE, 21202