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M&T BANK 1 M&T PLAZA -15TH FLOOR
BUFFALO, 14203-2399

2008 Mortgage Research	Owyhee	Idaho	US
Total Applications	7	874	42,089
Average Loan	$242.1k	$208.4k	$185.7k
Loan to Income Ratio	3.40	2.42	2.03
Subprime Loans	—	3.09%	4.71%
Refinancing Loans	42.86%	62.59%	44.32%
Principal Dwellings	85.71%	72.54%	79.82%
Rejected Applications	—	—	—

M&T BANK 1 M&T PLAZA -15TH FLOORBUFFALO, 14203-2399