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VERMONT FEDERAL CREDIT UNION PO BOX 407
BURLINGTON, 05402

2008 Mortgage Research	Addison	Vermont	US
Total Applications	135	626	646
Average Loan	$111.2k	$125.3k	$125.8k
Loan to Income Ratio	1.79	1.77	1.79
Subprime Loans	1.48%	2.40%	2.32%
Refinancing Loans	51.11%	47.12%	45.67%
Principal Dwellings	98.52%	96.96%	97.06%
Rejected Applications	11.11%	10.38%	11.30%

VERMONT FEDERAL CREDIT UNION PO BOX 407BURLINGTON, 05402