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

2008 Mortgage Research	Beckham	Oklahoma	US
Total Applications	55	6,362	574,073
Average Loan	$116.2k	$125.9k	$234.8k
Loan to Income Ratio	1.74	1.78	2.16
Subprime Loans	3.64%	2.69%	1.31%
Refinancing Loans	27.27%	37.50%	54.16%
Principal Dwellings	100%	93.32%	88.06%
Rejected Applications	3.64%	9.57%	11.20%

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