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LES BOIS FEDERAL CREDIT UNION P.O. BOX 140809
GARDEN CITY, 83714

2008 Mortgage Research	Boise	Idaho	US
Total Applications	25	58	68
Average Loan	$158.1k	$160.3k	$159.2k
Loan to Income Ratio	2.23	2.23	2.28
Subprime Loans	—	—	—
Refinancing Loans	84%	82.76%	72.06%
Principal Dwellings	100%	100%	100%
Rejected Applications	4%	6.90%	8.82%

LES BOIS FEDERAL CREDIT UNION P.O. BOX 140809GARDEN CITY, 83714