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

2008 Mortgage Research	Cavalier	North Dakota	US
Total Applications	6	978	43,902
Average Loan	$54.0k	$58.1k	$69.4k
Loan to Income Ratio	1.05	1.12	1.36
Subprime Loans	33.33%	32.41%	28.63%
Refinancing Loans	83.33%	88.14%	84.33%
Principal Dwellings	100%	100%	99.96%
Rejected Applications	—	—	—

CITIFINANCIAL, INC. 300 ST. PAUL PLACEBALTIMORE, 21202