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

2008 Mortgage Research	Butler	Ohio	US
Total Applications	1,145	8,507	10,954
Average Loan	$142.3k	$150.6k	$156.4k
Loan to Income Ratio	1.83	1.66	1.66
Subprime Loans	1.31%	1.56%	1.51%
Refinancing Loans	66.11%	67.46%	66.62%
Principal Dwellings	91.53%	90.40%	90.72%
Rejected Applications	18.43%	14.60%	14.34%

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