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VACATIONLAND FEDERAL CREDIT UN P.O. BOX 2257
SANDUSKY, 44870

2008 Mortgage Research	Erie	Ohio	US
Total Applications	336	417	418
Average Loan	$50.1k	$52.3k	$52.4k
Loan to Income Ratio	0.88	0.89	0.89
Subprime Loans	5.06%	5.28%	5.26%
Refinancing Loans	49.70%	50.60%	50.72%
Principal Dwellings	95.83%	94.00%	93.78%
Rejected Applications	12.50%	13.67%	13.64%

VACATIONLAND FEDERAL CREDIT UN P.O. BOX 2257SANDUSKY, 44870