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

2008 Mortgage Research	Ravalli	Montana	US
Total Applications	245	7,059	1,135,800
Average Loan	$216.3k	$170.1k	$220.6k
Loan to Income Ratio	2.26	1.90	2.03
Subprime Loans	1.63%	4.04%	3.21%
Refinancing Loans	62.86%	54.23%	47.39%
Principal Dwellings	86.12%	89.59%	90.29%
Rejected Applications	18.37%	15.64%	21.04%

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