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COMMUNITY BANK, N.A. 45-49 COURT STREET
CANTON, 13617-0509

2008 Mortgage Research	Allegany	New York	US
Total Applications	421	5,856	6,726
Average Loan	$32.6k	$49.4k	$51.2k
Loan to Income Ratio	0.59	0.74	0.76
Subprime Loans	10.21%	10.18%	10.23%
Refinancing Loans	10.69%	15.59%	16.82%
Principal Dwellings	97.86%	93.12%	92.89%
Rejected Applications	7.60%	11.77%	12.06%

COMMUNITY BANK, N.A. 45-49 COURT STREETCANTON, 13617-0509