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

2008 Mortgage Research	Camp	Texas	US
Total Applications	8	49,090	574,073
Average Loan	$170.6k	$168.8k	$234.8k
Loan to Income Ratio	1.66	1.70	2.16
Subprime Loans	—	1.57%	1.31%
Refinancing Loans	62.50%	32.96%	54.16%
Principal Dwellings	100%	90.48%	88.06%
Rejected Applications	25%	7.60%	11.20%

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