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

2008 Mortgage Research	Herkimer	New York	US
Total Applications	169	10,873	42,089
Average Loan	$50.8k	$147.4k	$185.7k
Loan to Income Ratio	0.85	1.59	2.03
Subprime Loans	13.61%	4.75%	4.71%
Refinancing Loans	21.89%	26.37%	44.32%
Principal Dwellings	92.90%	83.95%	79.82%
Rejected Applications	—	—	—

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