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

2008 Mortgage Research	Crosby	Texas	US
Total Applications	12	12,100	12,107
Average Loan	$23.2k	$46.1k	$46.1k
Loan to Income Ratio	0.56	1.06	1.06
Subprime Loans	50%	39.48%	39.46%
Refinancing Loans	83.33%	69.42%	69.43%
Principal Dwellings	100%	99.96%	99.96%
Rejected Applications	—	—	—

CITIFINANCIAL, INC. 300 ST. PAUL PLACEBALTIMORE, 21202