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

2008 Mortgage Research	Chittenden	Vermont	US
Total Applications	259	684	574,073
Average Loan	$234.3k	$218.4k	$234.8k
Loan to Income Ratio	2.48	1.75	2.16
Subprime Loans	0.39%	0.73%	1.31%
Refinancing Loans	57.14%	63.74%	54.16%
Principal Dwellings	90.35%	79.68%	88.06%
Rejected Applications	15.44%	14.18%	11.20%

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