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REDWOOD CREDIT UNION 3033 CLEVELAND AVENUE SUITE 100
SANTA ROSA, 95403

2008 Mortgage Research	Lake	California	US
Total Applications	105	1,661	2,016
Average Loan	$154.1k	$225.6k	$241.5k
Loan to Income Ratio	2.22	2.13	2.35
Subprime Loans	—	0.30%	0.25%
Refinancing Loans	79.05%	77.66%	64.19%
Principal Dwellings	80%	87.78%	88.69%
Rejected Applications	4.76%	1.99%	2.33%

REDWOOD CREDIT UNION 3033 CLEVELAND AVENUE SUITE 100SANTA ROSA, 95403