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

2008 Mortgage Research	Harney	Oregon	US
Total Applications	9	408	933
Average Loan	$225.3k	$423.1k	$378.5k
Loan to Income Ratio	2.68	2.23	1.90
Subprime Loans	—	1.47%	0.96%
Refinancing Loans	55.56%	53.43%	52.95%
Principal Dwellings	88.89%	83.58%	83.17%
Rejected Applications	22.22%	22.55%	22.62%

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