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BENEFICIAL COMPANY LLC 26525 N. RIVERWOODS BLVD.
METTAWA, 60045-3428

2008 Mortgage Research	Ravalli	Montana	US
Total Applications	115	2,496	435,132
Average Loan	$192.6k	$147.8k	$142.6k
Loan to Income Ratio	2.76	2.11	2.03
Subprime Loans	2.61%	4.61%	3.43%
Refinancing Loans	67.83%	65.10%	74.13%
Principal Dwellings	99.13%	99.44%	99.62%
Rejected Applications	—	—	—

BENEFICIAL COMPANY LLC 26525 N. RIVERWOODS BLVD.METTAWA, 60045-3428