WELLS FARGO BANK, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042
DES MOINES, 50328

2008 Mortgage Research	Fairfield	Connecticut	US
Total Applications	2,825	7,924	1,135,800
Average Loan	$415.3k	$290.7k	$220.6k
Loan to Income Ratio	2.10	2.05	2.03
Subprime Loans	0.88%	1.93%	3.21%
Refinancing Loans	52.85%	53.37%	47.39%
Principal Dwellings	94.55%	94.28%	90.29%
Rejected Applications	17.13%	19.57%	21.04%

WELLS FARGO BANK, NA 1 HOME CAMPUS, 4TH FLOOR, MAC X2301-042DES MOINES, 50328