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NBT BANK, NA 52 S. BROAD ST
NORWICH, 13815

2008 Mortgage Research	Chenango	New York	US
Total Applications	356	2,562	3,623
Average Loan	$73.4k	$82.9k	$86.2k
Loan to Income Ratio	1.35	1.29	1.30
Subprime Loans	23.60%	17.37%	15.13%
Refinancing Loans	54.78%	50.20%	49.10%
Principal Dwellings	93.82%	90.32%	90.06%
Rejected Applications	34.27%	34.07%	38.09%

NBT BANK, NA 52 S. BROAD STNORWICH, 13815