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CITIMORTGAGE, INC 153 EAST 53RD STREET, 20TH FLOOR
NEW YORK, 10022

2008 Mortgage Research	Jerome	Idaho	US
Total Applications	25	1,987	574,073
Average Loan	$143.1k	$192.6k	$234.8k
Loan to Income Ratio	2.57	1.99	2.16
Subprime Loans	—	0.81%	1.31%
Refinancing Loans	80%	62.46%	54.16%
Principal Dwellings	92%	83.64%	88.06%
Rejected Applications	12%	10.62%	11.20%

CITIMORTGAGE, INC 153 EAST 53RD STREET, 20TH FLOORNEW YORK, 10022