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

2008 Mortgage Research	Wallowa	Oregon	US
Total Applications	7	3,884	42,089
Average Loan	$175.0k	$238.4k	$185.7k
Loan to Income Ratio	2.16	2.75	2.03
Subprime Loans	—	3.66%	4.71%
Refinancing Loans	57.14%	68.67%	44.32%
Principal Dwellings	—	71.50%	79.82%
Rejected Applications	—	—	—

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