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CHEMUNG CANAL TRUST COMPANY ONE CHEMUNG CANAL PLAZA
ELMIRA, 14901

2008 Mortgage Research	Chemung	New York	US
Total Applications	395	705	854
Average Loan	$41.5k	$52.7k	$56.3k
Loan to Income Ratio	0.70	0.78	0.87
Subprime Loans	6.58%	7.52%	6.32%
Refinancing Loans	22.28%	24.26%	21.55%
Principal Dwellings	95.95%	94.47%	94.73%
Rejected Applications	14.94%	16.60%	14.17%

CHEMUNG CANAL TRUST COMPANY ONE CHEMUNG CANAL PLAZAELMIRA, 14901