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

2008 Mortgage Research	Benson	North Dakota	US
Total Applications	2	1,317	574,073
Average Loan	$125.0k	$140.9k	$234.8k
Loan to Income Ratio	3.00	1.82	2.16
Subprime Loans	—	1.37%	1.31%
Refinancing Loans	50%	46.24%	54.16%
Principal Dwellings	100%	95.29%	88.06%
Rejected Applications	—	4.40%	11.20%

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