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

2008 Mortgage Research	Clay	Indiana	US
Total Applications	61	3,752	3,848
Average Loan	$53.6k	$52.4k	$52.5k
Loan to Income Ratio	1.51	1.18	1.18
Subprime Loans	29.51%	25.91%	25.94%
Refinancing Loans	88.52%	89.07%	89.14%
Principal Dwellings	100%	99.95%	99.95%
Rejected Applications	—	—	—

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