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VERIDIAN CREDIT UNION PO BOX 6000
WATERLOO, 50704

2008 Mortgage Research	Benton	Iowa	US
Total Applications	40	1,980	1,999
Average Loan	$112.6k	$119.5k	$119.5k
Loan to Income Ratio	1.94	1.88	1.88
Subprime Loans	—	—	—
Refinancing Loans	15%	20.96%	20.81%
Principal Dwellings	97.50%	97.02%	97.00%
Rejected Applications	7.50%	4.95%	4.95%

VERIDIAN CREDIT UNION PO BOX 6000WATERLOO, 50704