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HSBC BANK USA, NA 1 HSBC CENTER - 24TH FLOOR
BUFFALO, 14203

2006 Mortgage Research Orleans New York US
Total Applications 118 11,673 93,320
Average Loan $26.6k $169.2k $199.5k
Loan to Income Ratio 0.28 0.31 0.43
Subprime Loans 1.69% 0.27% 0.03%
Refinancing Loans 5.93% 21.48% 41.96%
Principal Dwellings 94.92% 93.95% 93.34%
Rejected Applications 17.80% 7.92% 1.24%