Gain on loan sales margins decreased to 1.06 % for the second quarter 2009 , as compared to 2.54 % for the first quarter 2009 , but increased from and 0.54 % for the second quarter 2008 . For the six months ended June 30 , 2009 , the gain on sale margin increased to 1.71 % as compared to 0.70 % for the same period in 2008 .