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KERN SCHOOLS FEDERAL CU P.O. BOX 9506
BAKERSFIELD, 93389-9506

2008 Mortgage Research	Kern	California	US
Total Applications	1,935	2,007	2,008
Average Loan	$167.7k	$168.9k	$168.9k
Loan to Income Ratio	2.29	2.28	2.28
Subprime Loans	—	—	—
Refinancing Loans	57.47%	57.05%	57.02%
Principal Dwellings	91.63%	91.03%	91.04%
Rejected Applications	35.19%	35.03%	35.01%

KERN SCHOOLS FEDERAL CU P.O. BOX 9506BAKERSFIELD, 93389-9506