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

2008 Mortgage Research	Carroll	Ohio	US
Total Applications	80	8,768	8,805
Average Loan	$61.7k	$53.8k	$53.9k
Loan to Income Ratio	1.57	1.17	1.17
Subprime Loans	37.50%	30.73%	30.64%
Refinancing Loans	90%	84.17%	84.20%
Principal Dwellings	100%	99.97%	99.95%
Rejected Applications	—	—	—

CITIFINANCIAL, INC. 300 ST. PAUL PLACEBALTIMORE, 21202