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

2008 Mortgage Research	Phillips	Montana	US
Total Applications	1	91	933
Average Loan	$303.0k	$359.1k	$378.5k
Loan to Income Ratio	2.57	1.93	1.90
Subprime Loans	—	2.20%	0.96%
Refinancing Loans	—	54.95%	52.95%
Principal Dwellings	100%	83.52%	83.17%
Rejected Applications	—	19.78%	22.62%

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