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THE UNION BANK COMPANY 100 SOUTH HIGH STREET
COLUMBUS GROVE, 45830

2008 Mortgage Research	Allen	Ohio	US
Total Applications	240	622	634
Average Loan	$271.0k	$278.8k	$276.6k
Loan to Income Ratio	1.35	1.46	1.45
Subprime Loans	10%	8.36%	8.52%
Refinancing Loans	57.92%	56.91%	56.47%
Principal Dwellings	71.67%	82.15%	81.23%
Rejected Applications	10.83%	11.41%	11.20%

THE UNION BANK COMPANY 100 SOUTH HIGH STREETCOLUMBUS GROVE, 45830