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

2006 Mortgage Research Clay Indiana US
Total Applications 45 3,599 3,670
Average Loan $53.0k $51.3k $51.7k
Loan to Income Ratio 1.50 1.20 1.21
Subprime Loans 20% 28.79% 29.18%
Refinancing Loans 93.33% 83.19% 82.86%
Principal Dwellings 100% 100% 100%
Rejected Applications