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BANGOR SAVINGS BANK PO BOX 930
BANGOR, 04402

2008 Mortgage Research	Penobscot	Maine	US
Total Applications	761	2,383	2,576
Average Loan	$101.4k	$114.7k	$115.1k
Loan to Income Ratio	1.25	1.45	1.49
Subprime Loans	4.47%	4.11%	3.80%
Refinancing Loans	23.92%	24.97%	23.68%
Principal Dwellings	90.54%	45.15%	41.77%
Rejected Applications	13.40%	14.44%	13.35%

BANGOR SAVINGS BANK PO BOX 930BANGOR, 04402