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HORIZON CREDIT UNION 13224 E MANSFIELD, SUITE 300
SPOKANE VALLEY, 99216

2008 Mortgage Research	Bonner	Idaho	US
Total Applications	259	399	1,246
Average Loan	$71.3k	$68.5k	$60.9k
Loan to Income Ratio	1.01	0.96	0.84
Subprime Loans	—	—	—
Refinancing Loans	71.43%	71.93%	66.93%
Principal Dwellings	96.53%	96.24%	97.11%
Rejected Applications	12.36%	13.53%	14.04%

HORIZON CREDIT UNION 13224 E MANSFIELD, SUITE 300SPOKANE VALLEY, 99216