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KELLOGG COMMUNITY FEDERAL CU P O BOX 140/41 SECOND ST
BATTLE CREEK, 49016

2008 Mortgage Research	Calhoun	Michigan	US
Total Applications	257	297	382
Average Loan	$81.7k	$88.4k	$89.2k
Loan to Income Ratio	1.17	1.21	1.26
Subprime Loans	—	—	—
Refinancing Loans	54.09%	53.54%	46.07%
Principal Dwellings	98.44%	98.32%	98.69%
Rejected Applications	3.89%	4.04%	5.50%

KELLOGG COMMUNITY FEDERAL CU P O BOX 140/41 SECOND STBATTLE CREEK, 49016