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ALTAONE FEDERAL CREDIT UNION P. O. BOX 1209
RIDGECREST, 93556-1209

2008 Mortgage Research	Inyo	California	US
Total Applications	33	591	591
Average Loan	$154.6k	$132.0k	$132.0k
Loan to Income Ratio	2.05	1.73	1.73
Subprime Loans	—	—	—
Refinancing Loans	57.58%	53.81%	53.81%
Principal Dwellings	96.97%	97.12%	97.12%
Rejected Applications	21.21%	19.12%	19.12%

ALTAONE FEDERAL CREDIT UNION P. O. BOX 1209RIDGECREST, 93556-1209