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

2008 Mortgage Research	Contra Costa	California	US
Total Applications	1,016	27,598	399,553
Average Loan	$317.8k	$289.0k	$204.7k
Loan to Income Ratio	2.69	2.76	2.31
Subprime Loans	0.10%	0.11%	0.19%
Refinancing Loans	27.85%	32.12%	40.92%
Principal Dwellings	92.22%	92.36%	93.53%
Rejected Applications	2.36%	1.34%	0.64%

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