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

2008 Mortgage Research	Ellsworth	Kansas	US
Total Applications	7	1,279	43,902
Average Loan	$55.7k	$54.4k	$69.4k
Loan to Income Ratio	0.87	1.12	1.36
Subprime Loans	28.57%	36.20%	28.63%
Refinancing Loans	85.71%	83.19%	84.33%
Principal Dwellings	100%	99.92%	99.96%
Rejected Applications	—	—	—

CITIFINANCIAL, INC. 300 ST. PAUL PLACEBALTIMORE, 21202