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TEACHERS FEDERAL CREDIT UNION P.O.BOX 9029 2410 N OCEAN AVE
FARMINGVILLE, 11738-9029

2008 Mortgage Research	Suffolk	New York	US
Total Applications	2,559	2,731	2,980
Average Loan	$168.3k	$172.5k	$182.4k
Loan to Income Ratio	1.28	1.29	1.38
Subprime Loans	—	—	—
Refinancing Loans	66.90%	65.69%	60.91%
Principal Dwellings	99.06%	98.76%	97.52%
Rejected Applications	3.67%	3.73%	3.89%

TEACHERS FEDERAL CREDIT UNION P.O.BOX 9029 2410 N OCEAN AVEFARMINGVILLE, 11738-9029