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ELMIRA SAVINGS BANK 333 E WATER ST
ELMIRA, 14901

2008 Mortgage Research	Chemung	New York	US
Total Applications	451	792	869
Average Loan	$60.8k	$89.3k	$88.6k
Loan to Income Ratio	0.88	1.10	1.13
Subprime Loans	9.09%	6.19%	5.87%
Refinancing Loans	19.29%	20.96%	21.86%
Principal Dwellings	92.68%	89.65%	89.99%
Rejected Applications	14.41%	13.64%	13.23%

ELMIRA SAVINGS BANK 333 E WATER STELMIRA, 14901