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BLACK HILLS FEDERAL CREDIT UNI P O BOX 1420
RAPID CITY, 57709-1420

2008 Mortgage Research	Butte	South Dakota	US
Total Applications	30	1,447	1,498
Average Loan	$64.6k	$81.8k	$79.8k
Loan to Income Ratio	1.10	1.14	1.13
Subprime Loans	6.67%	8.64%	8.34%
Refinancing Loans	53.33%	55.15%	53.27%
Principal Dwellings	96.67%	97.37%	97.46%
Rejected Applications	3.33%	9.74%	12.48%

BLACK HILLS FEDERAL CREDIT UNI P O BOX 1420RAPID CITY, 57709-1420