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

2008 Mortgage Research Bertie North Carolina US
Total Applications 82 10,230 16,871
Average Loan $59.4k $67.1k $70.1k
Loan to Income Ratio 1.83 1.49 1.50
Subprime Loans 56.10% 31.52% 38.31%
Refinancing Loans 74.39% 84.53% 84.96%
Principal Dwellings 100% 99.98% 99.99%
Rejected Applications
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