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CENTRA CREDIT UNION P. O. BOX 789
COLUMBUS, 47202-0789

2008 Mortgage Research	Bartholomew	Indiana	US
Total Applications	481	1,806	2,308
Average Loan	$86.9k	$82.8k	$86.4k
Loan to Income Ratio	1.21	1.22	1.31
Subprime Loans	5.20%	3.54%	2.77%
Refinancing Loans	60.91%	57.14%	46.40%
Principal Dwellings	97.30%	97.84%	98.18%
Rejected Applications	7.69%	9.97%	15.42%

CENTRA CREDIT UNION P. O. BOX 789COLUMBUS, 47202-0789