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HUDSON CITY SAVINGS BANK WEST 80 CENTURY ROAD
PARAMUS, 07652

2008 Mortgage Research	Fairfield	Connecticut	US
Total Applications	2,319	2,898	18,067
Average Loan	$671.7k	$627.1k	$519.5k
Loan to Income Ratio	2.02	2.01	1.96
Subprime Loans	—	—	0.14%
Refinancing Loans	47.26%	46.07%	41.22%
Principal Dwellings	97.37%	96.86%	95.20%
Rejected Applications	5.43%	5.69%	7.27%

HUDSON CITY SAVINGS BANK WEST 80 CENTURY ROADPARAMUS, 07652