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

2008 Mortgage Research	Nassau	New York	US
Total Applications	3,259	31,336	574,073
Average Loan	$358.7k	$345.8k	$234.8k
Loan to Income Ratio	2.42	2.11	2.16
Subprime Loans	1.29%	1.54%	1.31%
Refinancing Loans	39.95%	37.69%	54.16%
Principal Dwellings	93.16%	89.34%	88.06%
Rejected Applications	16.29%	16.17%	11.20%

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