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STEUBEN TRUST COMPANY ONE STEUBEN SQUARE
HORNELL, 14843

2008 Mortgage Research	Allegany	New York	US
Total Applications	133	301	302
Average Loan	$37.8k	$56.3k	$59.0k
Loan to Income Ratio	0.63	0.80	0.84
Subprime Loans	12.78%	12.96%	12.91%
Refinancing Loans	18.05%	20.93%	21.19%
Principal Dwellings	96.24%	91.69%	91.72%
Rejected Applications	9.02%	8.97%	8.94%

STEUBEN TRUST COMPANY ONE STEUBEN SQUAREHORNELL, 14843