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

2008 Mortgage Research	Fergus	Montana	US
Total Applications	13	747	43,902
Average Loan	$103.7k	$68.4k	$69.4k
Loan to Income Ratio	2.22	1.47	1.36
Subprime Loans	53.85%	28.11%	28.63%
Refinancing Loans	92.31%	87.82%	84.33%
Principal Dwellings	100%	99.87%	99.96%
Rejected Applications	—	—	—

CITIFINANCIAL, INC. 300 ST. PAUL PLACEBALTIMORE, 21202