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FIRST NIAGARA BANK 6950 SOUTH TRANSIT ROAD
LOCKPORT, 14094

2008 Mortgage Research	Erie	New York	US
Total Applications	920	2,840	2,919
Average Loan	$156.3k	$150.7k	$149.0k
Loan to Income Ratio	1.22	1.14	1.12
Subprime Loans	4.78%	9.12%	10.17%
Refinancing Loans	32.83%	31.20%	30.90%
Principal Dwellings	87.50%	87.78%	87.56%
Rejected Applications	10.54%	15.21%	14.94%

FIRST NIAGARA BANK 6950 SOUTH TRANSIT ROADLOCKPORT, 14094