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UNION SAVINGS BANK 8534 E. KEMPER ROAD
CINCINNATI, 45249-3701

2008 Mortgage Research	Boone	Indiana	US
Total Applications	84	2,070	10,954
Average Loan	$226.7k	$172.7k	$156.4k
Loan to Income Ratio	1.91	1.68	1.66
Subprime Loans	—	1.40%	1.51%
Refinancing Loans	66.67%	63.53%	66.62%
Principal Dwellings	98.81%	93.77%	90.72%
Rejected Applications	8.33%	13.19%	14.34%

UNION SAVINGS BANK 8534 E. KEMPER ROADCINCINNATI, 45249-3701