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NORTHWEST FARM CREDIT SERVICES 1700 S. ASSEMBLY STREET
SPOKANE, 99220-0000

2008 Mortgage Research	Jerome	Idaho	US
Total Applications	8	120	933
Average Loan	$429.8k	$374.7k	$378.5k
Loan to Income Ratio	0.24	1.18	1.90
Subprime Loans	—	—	0.96%
Refinancing Loans	37.50%	58.33%	52.95%
Principal Dwellings	100%	77.50%	83.17%
Rejected Applications	25%	17.50%	22.62%

NORTHWEST FARM CREDIT SERVICES 1700 S. ASSEMBLY STREETSPOKANE, 99220-0000