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

2008 Mortgage Research	Garfield	Utah	US
Total Applications	7	2,251	42,089
Average Loan	$209.0k	$233.5k	$185.7k
Loan to Income Ratio	2.47	2.57	2.03
Subprime Loans	—	1.60%	4.71%
Refinancing Loans	71.43%	63.44%	44.32%
Principal Dwellings	—	87.29%	79.82%
Rejected Applications	—	—	—

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