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

2008 Mortgage Research	Bennington	Vermont	US
Total Applications	136	1,498	43,902
Average Loan	$71.6k	$82.4k	$69.4k
Loan to Income Ratio	1.54	1.67	1.36
Subprime Loans	40.44%	32.71%	28.63%
Refinancing Loans	96.32%	87.72%	84.33%
Principal Dwellings	100%	99.87%	99.96%
Rejected Applications	—	—	—

CITIFINANCIAL, INC. 300 ST. PAUL PLACEBALTIMORE, 21202