8-K

UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, DC 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of the
Securities Exchange Act of 1934

Date of Report (date of earliest event reported): February 15, 2008

COUNTRYWIDE FINANCIAL CORPORATION(Exact name of registrant as specified in its charter)

Delaware	1-8422	13-2641992
(State or other jurisdiction	(Commission File Number)	(IRS Employer
of incorporation)		Identification No.)

4500 Park Granada, Calabasas, CA	91302
(Address of principal executive offices)	(Zip Code)

Registrant’s telephone number, including area code: (818) 225-3000

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):

o Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

o Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

o Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

o Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Item 2.02.              Results of Operations and Financial Condition

On February 15, 2008, Countrywide Financial Corporation (the “Company”) issued a press release announcing information regarding its operational statistics for the month ended January 31, 2008, a copy of which is attached as Exhibit 99.1. On February 15, 2008, the Company also made available an updated version of its thirteen-month statistical data report on its website, www.countrywide.com, a copy of which is attached as Exhibit 99.2.

The information furnished pursuant to this Current Report on Form 8-K (including the exhibits hereto) shall not be considered “filed” under the Securities Exchange Act of 1934, as amended, nor shall it be incorporated by reference into any of the Company’s filings under the Securities Act of 1933, as amended, or under the Securities Exchange Act of 1934, as amended, unless the Company expressly states in such filing that such information is to be considered “filed” or incorporated by reference therein.

Item 9.01.              Financial Statements and Exhibits

(d)Exhibits

99.1	Press Release issued by Countrywide Financial Corporation (the “Company”) pertaining to its operational statistics for the month ended January 31, 2008.
99.2	Thirteen-month statistical data report made available by the Company on its website.

SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

	COUNTRYWIDE FINANCIAL CORPORATION
	/s/ Lawrence R. Gee
Dated: February 15, 2008
	Lawrence R. Gee
	Managing Director, Technical Accounting

EXHIBIT INDEX

Exhibit
No.
99.1	Press Release issued by Countrywide Financial Corporation (the “Company”) pertaining to its operational statistics for the month ended January 31, 2008.
99.2	Thirteen-month statistical data report made available by the Company on its website.

EX-99.1

Exhibit 99.1

NEWS
	INVESTOR CONTACT:    (818) 225-3550
	David Bigelow or Lisa Riordan
	MEDIA CONTACT: (800) 796-8448

COUNTRYWIDE REPORTS JANUARY 2008 OPERATIONAL RESULTS

CALABASAS, CA (February 15, 2008) – Countrywide Financial Corporation (NYSE: CFC) released operational data for the month ended January 31, 2008.  A summary of the Company’s key operating statistics is included below:

·Average daily mortgage loan application activity for January 2008 was $2.6 billion, which compares to $1.5 billion for December 2007.  The mortgage loan pipeline was $51 billion at January 31, 2008, as compared to $35 billion for December 2007.

·Mortgage loan fundings for the month of January 2008 were $22 billion, down six percent from December 2007.

·The mortgage loan servicing portfolio increased modestly to $1.48 trillion at January 31, 2008, up $3.6 billion from December 31, 2007 and $163 billion from January 31, 2007.

·Banking Operations’ assets were $111 billion at January 31, 2008, which compares to $113 billion at December 31, 2007 and $83 billion at January 31, 2007.

·Securities trading volume in the Capital Markets segment was $336 billion for January 2008 as compared to $315 billion for December 2007 and $313 billion for January 2007.

·Net earned premiums from the Insurance segment were $163 million in January 2008, which compares to $164 million for December 2007 and $112 million for January 2007.

ABOUT COUNTRYWIDE

Founded in 1969, Countrywide Financial Corporation is a diversified financial services provider and a member of the S&P 500, Forbes 2000 and Fortune 500.  Through its family of companies, Countrywide originates, purchases, securitizes, sells, and services residential and commercial loans; provides loan closing services such as credit reports, appraisals and flood determinations; offers banking services which include depository and home loan products; conducts fixed income securities underwriting and trading activities; provides property, life and casualty insurance; and manages a captive mortgage reinsurance company. For more information about the Company, visit Countrywide’s website at www.countrywide.com.

This Press Release contains forward-looking statements within the meaning of Section 21E of the Securities Exchange Act of 1934, as amended, regarding management’s beliefs, estimates, projections, and assumptions with respect to, among other things, the Company’s future operations, financial results, business plans and strategies, as well as industry and market conditions, all of which are subject to change. Actual results and operations for any future period may vary materially from those projected herein and from past results discussed herein. Factors which could cause actual results to differ materially from historical results or those anticipated include, but are not limited to: lack of or further reduced access to corporate debt markets or other sources of liquidity; additional disruptions in the secondary mortgage market; increased credit losses due to downward trends in the economy and in the real estate market,

Investor Relations

4500 Park Granada · Calabasas, CA  91302 ·  818-225-3550

http://www.countrywide.com

 Countrywide Home Loans, Inc. and Countrywide Bank, FSB are Equal Housing Lenders. ã2007 Countrywide Financial Corporation.
 Trade/service marks are the property of Countrywide Financial Corporation and/or its subsidiaries.  All rights reserved.

including as a result of continued increases in the delinquency rates of borrowers and slower or negative home price appreciation; adverse changes in the Company’s credit ratings, including any downgrade that causes the Company to lose its investment grade credit rating; continued increases in credit exposure resulting from the Company’s decision to retain more loans in its portfolio of loans held for investment; competitive conditions in each of the Company’s business segments; unexpected changes in general business, economic, market and political conditions in the United States; reduction in government support of homeownership; the level and volatility of interest rates; changes in interest rate paths; changes in generally accepted accounting principles or in the legal, regulatory and legislative environments in which Countrywide operates; the judgments and assumptions made by management regarding accounting estimates and related matters; the ability of management to effectively implement the Company’s strategies; unforeseen cash or capital requirements; and other risks noted in documents filed by the Company with the Securities and Exchange Commission from time to time. Words like “believe,” “expect,” “anticipate,” “promise,” “plan,” and other expressions or words of similar meanings, as well as future or conditional verbs such as “will,” “would,” “should,” “could,” or “may” are generally intended to identify forward-looking statements. The Company undertakes no obligation to publicly update or revise any forward looking statements or any other information contained herein, and the statements made in this press release are current as of the date of this release only.

(Tables follow)

Investor Relations

4500 Park Granada· Calabasas, CA  91302 ·  818-225-3550

http://www.countrywide.com

 Countrywide Home Loans, Inc. and Countrywide Bank, FSB are Equal Housing Lenders. ã2007 Countrywide Financial Corporation.
 Trade/service marks are the property of Countrywide Financial Corporation and/or its subsidiaries.  All rights reserved.

2

COUNTRYWIDE FINANCIAL CORPORATION AND SUBSIDIARIES
OPERATING STATISTICS⁽¹⁾
(Dollars in Millions)

	Month Ended January 31,
	2008			2007
LOAN PRODUCTION
Number of Working Days in the Period	21			21
Average Daily Mortgage Loan Applications	$	2,639		$	2,820
Mortgage Loan Pipeline (loans-in-process)	$	51,038		$	58,697
Commercial Real Estate Loan Pipeline (loans-in-process)	$	254		$	1,954
Loan Fundings:
Retail Lending	$	9,396		$	12,647
Wholesale Lending	2,542			7,155
Correspondent Lending	9,890			16,261
Capital Markets Purchases	3			309
Banking Operations Purchases	54			741
Total Mortgage Loan Fundings	21,885			37,113
Commercial Real Estate Lending	50			654
Total Loan Fundings	$	21,935		$	37,767
Total Bank Loan Fundings (2)	$	21,090		$	15,520
Loan Fundings in Units:
Retail Lending	46,798			70,212
Wholesale Lending	11,674			34,318
Correspondent Lending	47,301			80,195
Capital Markets Purchases	4			951
Banking Operations Purchases	55			9,395
Total Mortgage Loan Fundings	105,832			195,071
Commercial Real Estate Lending	11			60
Total Loan Fundings	105,843			195,131
Total Bank Loan Fundings (2)	104,008			91,176
Mortgage Loan Fundings (3):
Purchase	$	6,831		$	13,268
Non-purchase	15,054			23,845
Total Mortgage Loan Fundings	$	21,885		$	37,113
Mortgage Loan Fundings by Product:
Government Fundings	$	2,559		$	1,100
ARM Fundings	$	2,832		$	13,748
Home Equity Fundings	$	872		$	3,586
Nonprime Fundings	$	—		$	2,939
MORTGAGE LOAN SERVICING (4)
Volume	$	1,479,852		$	1,316,579
Units	9,022,399			8,277,857
Subservicing Volume (5)	$	24,212		$	17,244
Subservicing Units	210,814			174,330
Prepayments in Full	$	12,459		$	19,126
Bulk Servicing Acquisitions	$	27		$	1,103
Servicing Portfolio Performance - CHL (6)
Delinquency as a percentage of:
unpaid principal balance	7.47		%	4.32		%
number of loans serviced	7.09		%	4.71		%
Foreclosures Pending as a percentage of:
unpaid principal balance	1.48		%	0.77		%
number of loans serviced	1.05		%	0.69		%

(more)

COUNTRYWIDE FINANCIAL CORPORATION AND SUBSIDIARIES
OPERATING STATISTICS⁽¹⁾
(Dollars in Millions)

	Month Ended January 31,
	2008			2007
LOAN CLOSING SERVICES (units)
Credit Reports	852,405			897,918
Flood Determinations	2,639			310,340
Appraisals	156,031			108,450
Automated Property Valuation Services	1,296,345			539,439
Other	34,211			25,756
Total Units	2,341,631			1,881,903
CAPITAL MARKETS
Securities Trading Volume (7)	$	335,624		$	312,666
BANKING
Banking Operations Assets (in billions)	$	111		$	83
INSURANCE
Net Premiums Earned:
Carrier	$	133.2		$	90.7
Reinsurance	30.1			20.8
Total Net Premiums Earned	$	163.3		$	111.5
Period-end Rates
10-Year U.S. Treasury Yield	3.67		%	4.83		%
FNMA 30-Year Fixed Rate MBS Coupon	5.05		%	5.91		%

⁽¹⁾This data reflects current operating statistics and do not constitute all factors impacting the quarterly and annual financial results of the Company. All figures are unaudited and monthly figures may be adjusted in the reported financial statements of the Company. Such financial statements are provided by the Company quarterly. The Company makes no commitment to update this information for changes in circumstances or events which occur subsequent to the date of this release.

⁽²⁾These loans are processed by the Company’s Mortgage Banking production divisions and Countrywide Commercial Real Estate Finance, Inc. or purchased from non-affiliates and are included in “Total Loan Fundings” above. The amounts include loans funded for both investment and for sale. The Company will report the amount of such loans subsequently sold on a quarterly basis.

⁽³⁾Purchase fundings include first trust deed and home equity loans used as purchase money debt in the acquisition of a home. Non-purchase fundings include first trust deed refinance loans, home equity refinance loans, and stand-alone home equity loans.

⁽⁴⁾Includes loans held for sale, loans held for investment, and loans serviced for others, including those under subservicing agreements.

⁽⁵⁾Subservicing volume for non-Countrywide entities.

⁽⁶⁾Excluding subserviced loans and portfolios purchased at a discount due to their non-performing status. Delinquencies as a percentage of unpaid principal balance and numbers of loans serviced exclude loans in foreclosure.

⁽⁷⁾Includes trades with Mortgage Banking Segment.

###

EX-99.2

Exhibit 99.2

COUNTRYWIDE FINANCIAL CORPORATION AND SUBSIDIARIES
ROLLING THIRTEEN MONTH STATISTICAL DATA
(Dollars in millions)

	Jan-07	Feb-07	Mar-07	Apr-07	May-07	Jun-07	Jul-07	Aug-07	Sep-07	Oct-07	Nov-07	Dec-07	Jan-08	YTD
LOAN PRODUCTION
Number of Working Days in the Period	21	19	22	21	22	21	21	23	19	23	21	20	21	21

Average Daily Mortgage Loan Applications	$	2,820		$	3,009		$	3,134		$	2,937		$	3,126		$	3,144		$	2,662		$	2,334		$	1,740		$	1,753		$	1,851		$	1,538		$	2,639		$	2,639
Mortgage Loan Pipeline (loans-in-process)	$	58,697		$	63,945		$	69,389		$	68,747		$	69,744		$	68,533		$	62,295		$	51,828		$	41,507		$	41,127		$	42,580		$	35,061		$	51,038
Commercial Real Estate Loan Pipeline (loans-in-process)	$	1,954		$	2,381		$	3,207		$	2,845		$	2,319		$	2,206		$	2,211		$	1,613		$	1,323		$	752		$	639		$	481		$	254
Loan Fundings:
Retail Lending	$	12,647		$	11,955		$	14,409		$	13,578		$	14,377		$	14,043		$	12,667		$	13,016		$	9,330		$	9,597		$	9,465		$	10,219		$	9,396		$	9,396
Wholesale Lending	7,155			6,874			8,159			7,963			8,077			7,413			6,603			5,564			3,100			3,220			3,063			3,040			2,542			2,542
Correspondent Lending	16,261			14,896			18,616			18,294			20,803			21,875			19,267			15,597			8,609			9,028			9,852			9,895			9,890			9,890
Capital Markets Purchases	309			566			954			192			884			1,558			147			140			137			85			5			26			3			3
Banking Operations Purchases	741			278			1,144			453			279			374			377			34			43			33			742			206			54			54
Total Mortgage Loan Fundings	37,113			34,569			43,282			40,480			44,420			45,263			39,061			34,351			21,219			21,963			23,127			23,386			21,885			21,885
Commercial Real Estate Lending	654			693			664			930			1,157			814			803			757			242			405			121			160			50			50
Total Loan Fundings	$	37,767		$	35,262		$	43,946		$	41,410		$	45,577		$	46,077		$	39,864		$	35,108		$	21,461		$	22,368		$	23,248		$	23,546		$	21,935		$	21,935
Total Bank Loan Fundings (1)	$	15,520		$	13,669		$	14,533		$	16,048		$	19,325		$	20,699		$	21,080		$	27,396		$	19,182		$	20,289		$	21,171		$	21,792		$	21,090		$	21,090
Loan Fundings in Units:
Retail Lending	70,212			67,241			80,682			78,759			85,901			83,664			78,962			81,231			56,520			56,626			53,072			53,231			46,798			46,798
Wholesale Lending	34,318			32,665			38,936			38,582			39,513			36,209			32,769			27,408			15,844			16,119			14,992			14,179			11,674			11,674
Correspondent Lending	80,195			73,413			92,391			90,113			102,422			109,615			102,021			82,938			42,914			44,540			47,440			47,447			47,301			47,301
Capital Markets Purchases	951			1,817			2,884			738			3,336			4,651			508			470			226			145			10			93			4			4
Banking Operations Purchases	9,395			2,670			7,552			2,723			2,110			6,638			6,345			164			—			—			9,917			1,600			55			55
Total Mortgage Loan Fundings	195,071			177,806			222,445			210,915			233,282			240,777			220,605			192,211			115,504			117,430			125,431			116,550			105,832			105,832
Commercial Real Estate Lending	60			64			88			89			170			137			103			141			88			66			36			27			11			11
Total Loan Fundings	195,131			177,870			222,533			211,004			233,452			240,914			220,708			192,352			115,592			117,496			125,467			116,577			105,843			105,843
Total Bank Loan Fundings (1)	91,176			78,823			87,660			94,593			111,041			121,778			132,506			156,255			105,553			109,892			116,590			110,090			104,008			104,008
Mortgage Loan Fundings (2):
Purchase	$	13,268		$	12,633		$	17,265		$	15,866		$	18,642		$	20,739		$	18,711		$	17,193		$	9,637		$	9,304		$	9,732		$	9,044		$	6,831		$	6,831
Non-purchase	23,845			21,936			26,017			24,614			25,778			24,524			20,350			17,158			11,582			12,659			13,395			14,342			15,054			15,054
Total Mortgage Loan Fundings	$	37,113		$	34,569		$	43,282		$	40,480		$	44,420		$	45,263		$	39,061		$	34,351		$	21,219		$	21,963		$	23,127		$	23,386		$	21,885		$	21,885
Mortgage Loan Fundings by Product :
Government Fundings	$	1,100		$	1,033		$	1,406		$	1,532		$	1,937		$	2,216		$	2,296		$	2,198		$	1,657		$	2,129		$	2,406		$	2,469		$	2,559		$	2,559
ARM Fundings	$	13,748		$	12,533		$	14,677		$	11,424		$	10,667		$	12,599		$	10,972		$	8,687		$	3,826		$	3,095		$	3,326		$	3,688		$	2,832		$	2,832
Home Equity Fundings	$	3,586		$	2,977		$	3,976		$	3,480		$	3,382		$	3,734		$	3,928		$	3,212		$	1,600		$	1,357		$	1,903		$	1,264		$	872		$	872
Nonprime Fundings	$	2,939		$	2,587		$	2,355		$	1,682		$	2,186		$	1,853		$	1,804		$	1,267		$	255		$	42		$	17		$	6		$	—		$	—
MORTGAGE LOAN SERVICING (3)
Volume	$	1,316,579		$	1,332,485		$	1,351,598		$	1,370,760		$	1,392,756		$	1,415,472		$	1,434,099		$	1,454,121		$	1,459,136		$	1,465,009		$	1,470,845		$	1,476,203		$	1,479,852
Units	8,277,857			8,347,533			8,438,625			8,522,364			8,625,522			8,737,534			8,840,474			8,964,565			8,982,308			8,999,292			9,021,138			9,034,763			9,022,399
Subservicing Volume (4)	$	17,244		$	16,455		$	16,258		$	16,338		$	16,144		$	16,263		$	17,294		$	23,530		$	22,921		$	24,722		$	24,670		$	24,049		$	24,212
Subservicing Units	174,330			170,625			172,916			171,381			169,041			168,026			173,490			224,476			220,898			229,428			229,073			210,385			210,814
Prepayments in Full	$	19,126		$	17,810		$	20,896		$	20,088		$	21,135		$	18,577		$	16,636		$	15,199		$	10,829		$	12,722		$	11,635		$	13,367		$	12,459		$	12,459
Bulk Servicing Acquisitions	$	1,103		$	6,136		$	5,198		$	2,962		$	2,650		$	2,401		$	42		$	1,106		$	64		$	36		$	21		$	16		$	27		$	27
Servicing Portfolio Performance - CHL (5)
Delinquency as a percentage of:
unpaid principal balance	4.32		%	4.48		%	4.07		%	4.23		%	4.44		%	4.77		%	4.89		%	4.90		%	5.85		%	5.94		%	6.52		%	7.20		%	7.47		%
number of loans serviced	4.71		%	4.71		%	4.29		%	4.45		%	4.71		%	4.98		%	5.10		%	5.05		%	5.87		%	5.89		%	6.34		%	6.96		%	7.09		%
Foreclosures Pending as a percentage of:
unpaid principal balance	0.77		%	0.80		%	0.83		%	0.85		%	0.90		%	0.96		%	1.04		%	1.20		%	1.27		%	1.23		%	1.28		%	1.44		%	1.48		%
number of loans serviced	0.69		%	0.70		%	0.69		%	0.69		%	0.71		%	0.74		%	0.79		%	0.89		%	0.92		%	0.89		%	0.94		%	1.04		%	1.05		%

COUNTRYWIDE FINANCIAL CORPORATION AND SUBSIDIARIES
ROLLING THIRTEEN MONTH STATISTICAL DATA
(Dollars in millions)

	Jan-07	Feb-07	Mar-07	Apr-07	May-07	Jun-07	Jul-07	Aug-07	Sep-07	Oct-07	Nov-07	Dec-07	Jan-08	YTD
LOAN CLOSING SERVICES (units)
Credit Reports	897,918	823,272	1,109,878	982,765	1,023,073	1,026,845	1,007,235	1,071,685	746,947	811,634	694,475	568,001	852,405	852,405
Flood Determinations	310,340	247,297	305,214	274,407	342,574	293,131	282,930	287,852	276,625	214,924	181,432	168,926	2,639	2,639
Appraisals	108,450	104,652	123,070	116,062	125,420	126,686	158,876	164,453	132,067	154,968	147,374	129,309	156,031	156,031
Automated Property Valuation Services	539,439	1,257,809	573,932	634,281	1,003,475	698,273	668,721	1,056,932	1,251,064	5,793,171	883,978	1,104,064	1,296,345	1,296,345
Other	25,756	23,599	24,179	24,020	26,640	27,245	31,474	37,356	30,267	30,662	28,462	31,218	34,211	34,211
Total Units	1,881,903	2,456,629	2,136,273	2,031,535	2,521,182	2,172,180	2,149,236	2,618,278	2,436,970	7,005,359	1,935,721	2,001,518	2,341,631	2,341,631
CAPITAL MARKETS

Securities Trading Volume (6)	$	312,666		$	288,731		$	396,545		$	308,694		$	350,850		$	450,200		$	370,513		$	413,899		$	272,229		$	260,243		$	293,597		$	314,804		$	335,624		$	335,624
BANKING
Banking Operations Assets (in billions)	$	83		$	84		$	84		$	86		$	87		$	90		$	90		$	94		$	105		$	106		$	109		$	113		$	111
INSURANCE
Net Premiums Earned:
Carrier	$	90.7		$	89.1		$	91.1		$	89.3		$	95.7		$	102.0		$	100.3		$	110.1		$	105.5		$	108.5		$	117.5		$	135.2		$	133.2		$	133.2
Reinsurance	20.8			21.6			20.9			20.9			21.9			22.6			23.3			24.7			26.0			27.6			29.2			29.1			30.1			30.1
Total Net Premiums Earned	$	111.5		$	110.7		$	112.0		$	110.2		$	117.6		$	124.6		$	123.6		$	134.8		$	131.5		$	136.1		$	146.7		$	164.3		$	163.3		$	163.3
Workforce Head Count: (7)
Loan Originations	31,633			31,721			31,849			32,641			32,966			33,796			34,326			33,658			28,322			25,688			23,424			22,549			21,933
Loan Servicing	7,145			7,209			7,256			7,453			7,818			7,897			8,059			8,182			8,283			8,493			8,687			8,854			9,039
Loan Closing Services	1,702			1,758			1,793			1,851			1,858			1,935			2,029			1,984			1,827			1,829			1,830			1,854			1,875
Banking	1,952			1,957			1,967			2,057			2,377			2,496			2,491			2,291			2,399			2,619			2,744			2,708			2,689
Capital Markets	903			928			996			1,035			1,064			1,098			1,136			1,123			895			883			868			855			837
Insurance	2,040			2,068			2,106			2,143			2,211			2,219			2,296			2,273			2,331			2,449			2,610			2,611			2,605
Global Operations	2,817			2,834			3,052			3,477			3,646			3,770			3,891			4,055			4,120			4,408			4,628			4,847			4,811
Corporate Overhead & Other	6,793			6,836			6,904			7,025			7,071			7,216			7,358			7,301			6,675			6,406			6,348			6,322			6,325
Total Workforce Head Count	54,985			55,311			55,923			57,682			59,011			60,427			61,586			60,867			54,852			52,775			51,139			50,600			50,114
Period-end Rates
10-Year U.S. Treasury Yield	4.83		%	4.56		%	4.65		%	4.63		%	4.90		%	5.03		%	4.78		%	4.54		%	4.59		%	4.48		%	3.97		%	4.04		%	3.67		%
FNMA 30-Year Fixed Rate MBS Coupon	5.91		%	5.72		%	5.77		%	5.76		%	6.04		%	6.26		%	6.21		%	6.01		%	5.97		%	5.84		%	5.39		%	5.51		%	5.05		%

(1)	These loans are processed by the Company’s Mortgage Banking production divisions and Countrywide Commercial Real Estate Finance, Inc. or purchased from non-affiliates and are included in “Total Loan Fundings” above. The amounts include loans funded for both investment and for sale. The Company will report the amount of such loans subsequently sold on a quarterly basis.
(2)	Purchase fundings include first trust deed and home equity loans used as purchase money debt in the acquisition of a home. Non-purchase fundings include first trust deed refinance loans, home equity refinance loans, and stand-alone home equity loans.
(3)	Includes loans held for sale, loans held for investment, and loans serviced for others, including those under subservicing agreements.
(4)	Subservicing volume for non-Countrywide entities.
(5)	Excluding subserviced loans and portfolios purchased at a discount due to their non-performing status. Delinquencies as a percentage of unpaid principal balance and numbers of loans serviced exclude loans in foreclosure.
(6)	Includes trades with Mortgage Banking Segment.
(7)	Workforce Head Count includes full-time employees, contract, and temporary help.

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