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

2008 Mortgage Research	Appomattox	Virginia	US
Total Applications	37	6,704	43,902
Average Loan	$57.8k	$77.8k	$69.4k
Loan to Income Ratio	1.34	1.56	1.36
Subprime Loans	27.03%	28.61%	28.63%
Refinancing Loans	89.19%	84.22%	84.33%
Principal Dwellings	100%	99.99%	99.96%
Rejected Applications	—	—	—

CITIFINANCIAL, INC. 300 ST. PAUL PLACEBALTIMORE, 21202