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RANDOLPH-BROOKS FCU PO BOX 2097
UNIVERSAL CITY, 78148

2008 Mortgage Research	Caldwell	Texas	US
Total Applications	84	5,046	6,441
Average Loan	$76.3k	$103.8k	$112.6k
Loan to Income Ratio	1.12	1.08	1.25
Subprime Loans	4.76%	1.98%	1.55%
Refinancing Loans	44.05%	52.22%	40.91%
Principal Dwellings	90.48%	87.99%	89.47%
Rejected Applications	—	—	—

RANDOLPH-BROOKS FCU PO BOX 2097UNIVERSAL CITY, 78148