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UNIVERSAL LENDING CORPORATION 6775 EAST EVANS AVE.
DENVER, 80224

2008 Mortgage Research	Adams	Colorado	US
Total Applications	748	4,804	6,156
Average Loan	$154.9k	$183.3k	$172.8k
Loan to Income Ratio	2.57	2.62	2.53
Subprime Loans	11.10%	9.58%	15.22%
Refinancing Loans	13.64%	25.62%	28.04%
Principal Dwellings	97.19%	95.71%	96.13%
Rejected Applications	2.27%	1.83%	1.66%

UNIVERSAL LENDING CORPORATION 6775 EAST EVANS AVE.DENVER, 80224