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

2008 Mortgage Research	Garfield	Montana	US
Total Applications	3	7,059	1,135,800
Average Loan	$103.0k	$170.1k	$220.6k
Loan to Income Ratio	2.15	1.90	2.03
Subprime Loans	—	4.04%	3.21%
Refinancing Loans	33.33%	54.23%	47.39%
Principal Dwellings	100%	89.59%	90.29%
Rejected Applications	—	15.64%	21.04%

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