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

2008 Mortgage Research	Mendocino	California	US
Total Applications	187	1,661	2,016
Average Loan	$209.8k	$225.6k	$241.5k
Loan to Income Ratio	2.52	2.13	2.35
Subprime Loans	1.07%	0.30%	0.25%
Refinancing Loans	84.49%	77.66%	64.19%
Principal Dwellings	87.70%	87.78%	88.69%
Rejected Applications	5.35%	1.99%	2.33%

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