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1ST LIBERTY FCU P O BOX 5002
GREAT FALLS, 59403-5002

2008 Mortgage Research	Pondera	Montana	US
Total Applications	11	87	100
Average Loan	$85.6k	$61.2k	$61.1k
Loan to Income Ratio	1.53	0.87	0.87
Subprime Loans	—	—	—
Refinancing Loans	54.55%	44.83%	40%
Principal Dwellings	100%	100%	100%
Rejected Applications	27.27%	8.05%	11%

1ST LIBERTY FCU P O BOX 5002GREAT FALLS, 59403-5002