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BAY FEDERAL CREDIT UNION 3333 CLARES STREET
CAPITOLA, 95010

2008 Mortgage Research	Santa Cruz	California	US
Total Applications	448	513	513
Average Loan	$209.2k	$208.6k	$208.6k
Loan to Income Ratio	2.45	2.43	2.43
Subprime Loans	24.11%	21.25%	21.25%
Refinancing Loans	66.96%	67.06%	67.06%
Principal Dwellings	96.88%	94.54%	94.54%
Rejected Applications	15.18%	16.57%	16.57%

BAY FEDERAL CREDIT UNION 3333 CLARES STREETCAPITOLA, 95010