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

2008 Mortgage Research	Erie	New York	US
Total Applications	2,269	10,873	42,089
Average Loan	$97.4k	$147.4k	$185.7k
Loan to Income Ratio	1.32	1.59	2.03
Subprime Loans	4.23%	4.75%	4.71%
Refinancing Loans	23.18%	26.37%	44.32%
Principal Dwellings	93.79%	83.95%	79.82%
Rejected Applications	—	—	—

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