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

2008 Mortgage Research	Mahnomen	Minnesota	US
Total Applications	9	2,688	2,738
Average Loan	$49.6k	$71.1k	$70.9k
Loan to Income Ratio	0.97	1.39	1.39
Subprime Loans	66.67%	29.13%	28.71%
Refinancing Loans	100%	86.98%	86.92%
Principal Dwellings	100%	100%	100%
Rejected Applications	—	—	—

CITIFINANCIAL SERVICES, INC. 300 ST. PAUL PLACEBALTIMORE, 21202