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

2008 Mortgage Research	Flathead	Montana	US
Total Applications	176	1,552	574,073
Average Loan	$252.5k	$208.6k	$234.8k
Loan to Income Ratio	1.88	2.06	2.16
Subprime Loans	1.14%	0.84%	1.31%
Refinancing Loans	73.86%	60.95%	54.16%
Principal Dwellings	83.52%	86.47%	88.06%
Rejected Applications	7.39%	7.67%	11.20%

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