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AMERICA FIRST CREDIT UNION 4646 S 1500 W SUITE 140
RIVERDALE, 84405

2008 Mortgage Research	Davis	Utah	US
Total Applications	1,787	7,974	8,107
Average Loan	$128.4k	$128.2k	$133.5k
Loan to Income Ratio	1.69	1.84	1.84
Subprime Loans	7.22%	6.67%	6.76%
Refinancing Loans	73.36%	60.75%	60.77%
Principal Dwellings	98.15%	97.27%	97.13%
Rejected Applications	7.83%	14.70%	14.72%

AMERICA FIRST CREDIT UNION 4646 S 1500 W SUITE 140RIVERDALE, 84405