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UNION BANK AND TRUST COMPANY 4243 PIONEER WOODS DR
LINCOLN, 68506

2008 Mortgage Research	Gage	Nebraska	US
Total Applications	33	2,667	2,943
Average Loan	$126.3k	$116.0k	$119.7k
Loan to Income Ratio	1.52	1.38	1.38
Subprime Loans	12.12%	11.10%	10.50%
Refinancing Loans	51.52%	47.77%	45.97%
Principal Dwellings	90.91%	90.74%	89.06%
Rejected Applications	—	—	—

UNION BANK AND TRUST COMPANY 4243 PIONEER WOODS DRLINCOLN, 68506