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

2008 Mortgage Research	Allegany	Maryland	US
Total Applications	150	2,971	42,089
Average Loan	$86.5k	$186.5k	$185.7k
Loan to Income Ratio	1.32	1.72	2.03
Subprime Loans	11.33%	2.79%	4.71%
Refinancing Loans	42.67%	49.14%	44.32%
Principal Dwellings	93.33%	89.13%	79.82%
Rejected Applications	—	—	—

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