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COUNTRYWIDE BANK, N.A. 35 NORTH LAKE, MS 35-148
PASADENA, 91101

2006 Mortgage Research Flathead Montana US
Total Applications 419 3,217 775,217
Average Loan $187.8k $152.7k $228.6k
Loan to Income Ratio 1.41 1.50 1.82
Subprime Loans 0.03% 5.20%
Refinancing Loans 40.10% 40.91% 43.68%
Principal Dwellings 76.37% 84.99% 84.79%
Rejected Applications 26.73% 34.60% 14.95%