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

2008 Mortgage Research	Golden Valley	Montana	US
Total Applications	1	31	42,089
Average Loan	$107.0k	$252.8k	$185.7k
Loan to Income Ratio	2.61	2.03	2.03
Subprime Loans	—	3.23%	4.71%
Refinancing Loans	100%	45.16%	44.32%
Principal Dwellings	—	12.90%	79.82%
Rejected Applications	—	—	—

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