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MORTGAGE FINANCIAL INC. 170 MAIN STREET, SUITE 108
TEWKSBURY, 01876

2008 Mortgage Research	Addison	Vermont	US
Total Applications	32	519	1,571
Average Loan	$238.1k	$225.5k	$267.3k
Loan to Income Ratio	2.42	2.35	2.39
Subprime Loans	3.13%	1.16%	1.27%
Refinancing Loans	78.13%	67.82%	62.44%
Principal Dwellings	96.88%	92.87%	92.87%
Rejected Applications	—	2.31%	2.99%

MORTGAGE FINANCIAL INC. 170 MAIN STREET, SUITE 108TEWKSBURY, 01876