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COUNTRYWIDE BANK, FSB 30930 RUSSELL RANCH RD MS WLRR-148
WESTLAKE VILLAGE, 91362-7366

2008 Mortgage Research	Flathead	Montana	US
Total Applications	705	7,025	1,336,389
Average Loan	$219.2k	$194.8k	$208.7k
Loan to Income Ratio	2.41	2.35	2.27
Subprime Loans	1.70%	2.19%	2.62%
Refinancing Loans	74.33%	65.02%	57.68%
Principal Dwellings	89.08%	90.62%	91.16%
Rejected Applications	12.77%	12.41%	16.41%

COUNTRYWIDE BANK, FSB 30930 RUSSELL RANCH RD MS WLRR-148WESTLAKE VILLAGE, 91362-7366