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LAKE MICHIGAN CREDIT UNION PO BOX 2848
GRAND RAPIDS, 49501

2008 Mortgage Research	Lake	Michigan	US
Total Applications	18	4,790	6,161
Average Loan	$87.9k	$112.8k	$123.7k
Loan to Income Ratio	0.80	1.51	1.64
Subprime Loans	—	0.15%	0.11%
Refinancing Loans	50%	50.84%	41.75%
Principal Dwellings	44.44%	94.01%	94.01%
Rejected Applications	16.67%	10.84%	17.85%

LAKE MICHIGAN CREDIT UNION PO BOX 2848GRAND RAPIDS, 49501