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

2008 Mortgage Research	Clark	South Dakota	US
Total Applications	6	408	43,902
Average Loan	$50.0k	$57.9k	$69.4k
Loan to Income Ratio	2.29	1.31	1.36
Subprime Loans	33.33%	30.88%	28.63%
Refinancing Loans	100%	90.44%	84.33%
Principal Dwellings	100%	99.75%	99.96%
Rejected Applications	—	—	—

CITIFINANCIAL, INC. 300 ST. PAUL PLACEBALTIMORE, 21202