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

2008 Mortgage Research	Bell	Kentucky	US
Total Applications	26	4,384	4,428
Average Loan	$52.8k	$55.8k	$55.8k
Loan to Income Ratio	1.46	1.35	1.35
Subprime Loans	26.92%	28.13%	28.16%
Refinancing Loans	84.62%	87.36%	87.44%
Principal Dwellings	100%	99.95%	99.95%
Rejected Applications	—	—	—

CITIFINANCIAL SERVICES, INC. 300 ST. PAUL PLACEBALTIMORE, 21202