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TRUSTCO BANK 5 SARNOWSKI DRIVE
GLENVILLE, 12302-0000

2008 Mortgage Research	Saratoga	New York	US
Total Applications	580	3,034	3,457
Average Loan	$178.8k	$151.7k	$155.7k
Loan to Income Ratio	1.86	1.72	1.76
Subprime Loans	—	—	—
Refinancing Loans	48.62%	48.06%	49.15%
Principal Dwellings	93.45%	88.50%	88.28%
Rejected Applications	12.59%	20.44%	23.05%

TRUSTCO BANK 5 SARNOWSKI DRIVEGLENVILLE, 12302-0000