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FIRST NIAGARA BANK 6950 SOUTH TRANSIT ROAD
LOCKPORT, 14094

2006 Mortgage Research Montgomery New York US
Total Applications 181 6,102 6,206
Average Loan $55.7k $110.9k $114.9k
Loan to Income Ratio 0.93 1.10 1.10
Subprime Loans 3.87% 2.46% 2.93%
Refinancing Loans 33.70% 33.32% 33.32%
Principal Dwellings 98.34% 91.56% 91.20%
Rejected Applications 17.13% 13.73% 13.58%