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PHH HOME LOANS 3000 LEADENHALL ROAD, 3RD FLOOR
MT. LAUREL, 08054

2008 Mortgage Research	Jeff Davis	Texas	US
Total Applications	1	1,943	31,853
Average Loan	$231.0k	$184.4k	$228.5k
Loan to Income Ratio	2.12	1.82	2.11
Subprime Loans	—	4.63%	2.92%
Refinancing Loans	—	5.56%	16.03%
Principal Dwellings	100%	93.26%	89.85%
Rejected Applications	—	6.59%	6.48%

PHH HOME LOANS 3000 LEADENHALL ROAD, 3RD FLOORMT. LAUREL, 08054