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UNION BANK 20 MAIN STREET PO BOX 667
MORRISVILLE, 05661-0667

2008 Mortgage Research	Caledonia	Vermont	US
Total Applications	164	607	649
Average Loan	$75.1k	$109.3k	$110.4k
Loan to Income Ratio	1.18	1.22	1.24
Subprime Loans	14.63%	12.19%	11.56%
Refinancing Loans	44.51%	49.42%	50.23%
Principal Dwellings	—	9.06%	8.47%
Rejected Applications	—	0.66%	0.62%

UNION BANK 20 MAIN STREET PO BOX 667MORRISVILLE, 05661-0667