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

2008 Mortgage Research	Berrien	Michigan	US
Total Applications	265	15,961	574,073
Average Loan	$189.1k	$151.1k	$234.8k
Loan to Income Ratio	1.39	1.81	2.16
Subprime Loans	1.13%	1.64%	1.31%
Refinancing Loans	56.98%	63.47%	54.16%
Principal Dwellings	75.47%	87.96%	88.06%
Rejected Applications	13.96%	14.02%	11.20%

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