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LAKE MICHIGAN CREDIT UNION PO BOX 2848
GRAND RAPIDS, 49501

2008 Mortgage Research	Barry	Michigan	US
Total Applications	96	4,790	6,161
Average Loan	$132.1k	$112.8k	$123.7k
Loan to Income Ratio	1.55	1.51	1.64
Subprime Loans	1.04%	0.15%	0.11%
Refinancing Loans	42.71%	50.84%	41.75%
Principal Dwellings	91.67%	94.01%	94.01%
Rejected Applications	11.46%	10.84%	17.85%

LAKE MICHIGAN CREDIT UNION PO BOX 2848GRAND RAPIDS, 49501