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

2008 Mortgage Research Harney Oregon US
Total Applications 21 3,884 42,089
Average Loan $150.0k $238.4k $185.7k
Loan to Income Ratio 1.95 2.75 2.03
Subprime Loans 4.76% 3.66% 4.71%
Refinancing Loans 42.86% 68.67% 44.32%
Principal Dwellings 71.50% 79.82%
Rejected Applications
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