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

2008 Mortgage Research	Sanpete	Utah	US
Total Applications	34	2,251	42,089
Average Loan	$201.4k	$233.5k	$185.7k
Loan to Income Ratio	2.19	2.57	2.03
Subprime Loans	—	1.60%	4.71%
Refinancing Loans	79.41%	63.44%	44.32%
Principal Dwellings	—	87.29%	79.82%
Rejected Applications	—	—	—

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