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

2008 Mortgage Research	Lapeer	Michigan	US
Total Applications	126	15,961	574,073
Average Loan	$152.5k	$151.1k	$234.8k
Loan to Income Ratio	2.21	1.81	2.16
Subprime Loans	—	1.64%	1.31%
Refinancing Loans	72.22%	63.47%	54.16%
Principal Dwellings	96.03%	87.96%	88.06%
Rejected Applications	15.08%	14.02%	11.20%

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