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

2008 Mortgage Research	Grant	North Dakota	US
Total Applications	1	978	43,902
Average Loan	$68.0k	$58.1k	$69.4k
Loan to Income Ratio	2.43	1.12	1.36
Subprime Loans	100%	32.41%	28.63%
Refinancing Loans	—	88.14%	84.33%
Principal Dwellings	100%	100%	99.96%
Rejected Applications	—	—	—

CITIFINANCIAL, INC. 300 ST. PAUL PLACEBALTIMORE, 21202