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CHITTENDEN TRUST COMPANY 2 BURLINGTON SQUARE
BURLINGTON, 05401-0000

2008 Mortgage Research	Bennington	Vermont	US
Total Applications	129	1,735	3,036
Average Loan	$159.6k	$185.7k	$188.4k
Loan to Income Ratio	1.10	1.58	1.66
Subprime Loans	1.55%	2.02%	2.04%
Refinancing Loans	46.51%	48.53%	46.90%
Principal Dwellings	80.62%	80.63%	82.97%
Rejected Applications	10.85%	11.82%	10.87%

CHITTENDEN TRUST COMPANY 2 BURLINGTON SQUAREBURLINGTON, 05401-0000